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The best channel for news about FinTech in english and french. This channel was created on 22 September 2015. TeleGuard ID : C-R2YAWNQTB #fintech #fintechnews #fintechstartup #cryptocurrencies #bitcoin
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Disguised Unemployment? 88% of Ethereum Protocols Are Not Earning Revenue vs 75% in Solana
https://www.coindesk.com/markets/2025/07/23/disguised-unemployment-in-blockchain-data-shows-only-12-of-ethereum-25-of-solana-protocols-have-revenue
The week of July 14, 2025, was a significant one for the fintech industry, marked by major legislative discussions, substantial investment activity, and strategic moves by both traditional financial institutions and fintech startups.
Key Highlights:
* "Crypto Week" in the US and Regulatory Clarity: The US House of Representatives initiated "Crypto Week," focusing on three high-profile pieces of digital asset legislation. The Digital Asset Market Clarity Act (Clarity Act) aims to establish a comprehensive regulatory framework for digital assets and cryptocurrencies, while the Guiding and Establishing National Innovation for US Stablecoins Act (GENIUS Act) seeks to create the first federal regulatory framework for payment stablecoins. This legislative push is seen as a crucial step towards providing much-needed clarity and safeguarding consumers and investors in the digital asset space. Bitcoin also hit an all-time high on July 14th, ahead of these discussions, reflecting market optimism.
* Fintech Funding and IPOs: The first half of 2025 saw a total global funding of $22 billion to VC-backed financial technology startups, an 11.1% increase from H2 2024. While deal flow was down, indicating fewer but larger rounds, the IPO market in fintech seems to have broken its "dam." Several fintech companies have either gone public or filed to do so, with notable examples including digital bank Chime's successful IPO in June.
* Traditional Banks' Strategic Moves:
* JPMorgan's Data-Access Fees:
JPMorgan Chase announced that fintech companies must now pay to access customer banking data, a move that could significantly reshape the open-banking model and potentially increase operating costs for fintechs.
* Lloyds' Acquisition Talks: Lloyds Banking Group is in advanced discussions to acquire digital-wallet fintech Curve for up to £120 million, signaling a trend of traditional banks acquiring fintech enablers to remain competitive and diversify revenue streams.
* Citigroup Explores Stablecoin Launch: Citigroup is considering issuing its own stablecoin, aiming to expand its digital asset services and compete with players like JPMorgan in the tokenization space. This move is supported by the regulatory framework under the GENIUS Act.
* Notable Investments and Developments:
* iCapital's Growth Round: iCapital, a provider of alternative investment access, secured a massive growth round, reflecting continued investor confidence in democratizing private market access.
* Bilt Rewards' Decacorn Status: Bilt's $250 million raise vaulted the company into decacorn status, validating fintech loyalty models tied to rent.
* AI and RegTech: Investments in AI-driven compliance technology continue, with companies like ComplyControl joining UK Finance. The increasing focus on AI for financial services, including fraud detection, risk assessment, and customer service automation, is a significant trend.
* Cybersecurity Funding: YesWeHack secured €26 million in Series C funding for cybersecurity expansion, highlighting the growing importance of security in the fintech landscape.
* BlackRock's Bitcoin ETF Success: BlackRock's Bitcoin ETF has become a top revenue driver, surpassing its S&P 500 fund, with significant inflows coinciding with Bitcoin's price surge.
Overall, the week underscored a dynamic fintech environment characterized by a push for regulatory clarity, strategic M&A activities, strong investment in innovative solutions (particularly in crypto and AI), and the continued evolution of the relationship between traditional finance and emerging technologies.
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The week of July 21, 2025, saw several significant developments in the fintech sector, with a strong focus on mergers and acquisitions, advancements in AI applications, and the continued evolution of digital assets and payments.
Key Highlights:
* Major Acquisitions:
* SS&C Technologies acquired Calastone in a £766 million deal (July 21, 2025), a significant move likely to impact the funds processing and global transaction network landscape.
* Blockstream acquired Elysium Lab and launched its European HQ in Switzerland (July 28, 2025), strengthening its presence in the European digital asset space and advancing its Bitcoin infrastructure strategy.
* AI and Automation in Finance:
* Xelix secured US$160 million in Series B funding (July 22, 2025) to further advance its AI capabilities in accounts payable, highlighting the growing investment in AI for financial operations.
* LegalOn raised $50M Series E (July 28, 2025) to fuel legal AI development and UK expansion, demonstrating the broader application of AI in adjacent financial services.
* The overall trend of AI transforming commerce, enhancing efficiency, security, and customer engagement continued to be a major theme, with increased adoption of AI in areas like fraud detection, investment management, and personalized financial solutions.
* Digital Assets and Payments:
* eToro was recognized in CNBC's World's Top Fintech List for the third year running (July 21, 2025), emphasizing its continued leadership in technology-driven investing, particularly in areas like artificial intelligence and blockchain.
* Discussions around the digital euro continued, with analyses questioning its potential as a "cashless dream or a functional mirage," highlighting ongoing considerations for central bank digital currencies (CBDCs).
* The FATF's 2025 report indicated progress but also significant gaps in regulating virtual assets and service providers, emphasizing the need for continued international cooperation and public-private sector collaboration to address emerging risks in the crypto space.
* Arsenal partnered with Airwallex as its official finance software provider (July 21, 2025), showcasing the increasing adoption of fintech solutions by large organizations for financial management.
* Funding and Investment:
* Beyond Xelix's significant funding, there was a stable week for fintech deals, with various companies securing investments. Notably, Exein (IoT cybersecurity) secured €70m, and Spiko (treasury fintech) raised $22m for tokenized fund infrastructure, among others.
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Zurich digital wealth manager’s AUM jumps to CHF 2bn
https://citywire.com/ch/news/zurich-digital-wealth-manager-s-aum-jumps-to-chf-2bn/a2470951
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How Switzerland Lost a 900,000 Bitcoin Bank
https://www.finews.com/news/english-news/68507-xapo-bank-silicon-valley-switzerland-gibraltar-crypto-bitcoin-private-banking-seamus-rocca-wences-casares
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https://youtu.be/jI2oyrmxXDk?si=8bTZVNQSwhgVr8o7
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