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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
Swissquote has fully acquired Yuh, the digital finance app, by purchasing PostFinance's 50% stake in the joint venture. This transaction, announced on July 4, 2025, values Yuh at CHF 180 million.
Here are the key details of the acquisition:
• Full Ownership: Swissquote now holds 100% of Yuh, which was previously a 50/50 joint venture with PostFinance.
• Strategic Move for PostFinance: PostFinance sold its stake to focus more on its core strategic competencies amidst a challenging market environment.
• Enhanced Integration for Swissquote: This full acquisition allows Swissquote to integrate Yuh's operations more closely with its existing services, aiming to leverage synergies and expand its overall offering.
• Growth of Yuh: As of June 30, 2025, Yuh managed 342,369 accounts with CHF 3.2 billion in assets under management. It also reported its first annual profit of CHF 1.7 million in 2024.
• Impact on Swissquote: The acquisition expands Swissquote's total account base to over one million (1,050,762 accounts as of June 30, 2025) and is expected to have a positive impact on its market perception and future growth.
• Payment Structure: Swissquote paid part of the purchase price to PostFinance in the form of treasury shares, which strengthens PostFinance's existing 5% shareholding in Swissquote.
• Continued Brand: Yuh will continue to operate as a brand, now fully supported by Swissquote.
This move represents a strategic consolidation in the Swiss digital banking sector, allowing Swissquote to gain full control over Yuh's growth trajectory and product development.
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140.000 fois sa mise de départ: un utilisateur de bitcoin devient milliardaire en récupérant 20.000 unités achetées en 2011 https://share.google/qoctE2hiBwzKB6QYG
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Here is a list of the largest cryptocurrencies by market capitalization, converted to US dollars (USD).
Please note that the cryptocurrency market is extremely volatile, and the prices listed below may have changed since the last real-time data update. These are approximate values at the current time.
* Bitcoin (BTC): Approximately $109,234.10 USD
* Ethereum (ETH): Approximately $2,569.82 USD
* Tether (USDT): Approximately $1.00 USD (stablecoin, its price is designed to remain close to 1 USD)
* XRP (XRP): Approximately $2.25 USD
* BNB (BNB): Approximately $663.36 USD
* Solana (SOL): Approximately $153.93 USD
* USD Coin (USDC): Approximately $1.00 USD (stablecoin, similar to Tether)
* TRON (TRX): Approximately $0.28 USD
* Dogecoin (DOGE): Approximately $0.17 USD
* Cardano (ADA): Approximately $0.60 USD
These five companies illustrate the diversity and dynamism of the fintech sector. Whether it's simplifying payments, reinventing banking, connecting the ecosystem, or reaching new populations, these fintech leaders are not just following trends—they are creating them, thus redefining the future of finance for everyone.
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Fintech News Summary: Week of June 16, 2025
Here's a summary of the key fintech news for the week of June 16, 2025:
1. AI Continues to Dominate the News
* TD Bank deployed an AI-powered predictive model to personalize the customer experience, highlighting AI's increasing importance in enhancing banking services.
* Starling Bank (London-based) launched a new AI-driven tool to help its customers better understand their spending habits.
* Revolut plans to launch an AI-powered financial assistant as part of its accelerated global expansion.
* G42, an AI-focused group based in the UAE, established a subsidiary in Europe and the UK to expand its operations.
* Discussions intensified on how agency AI is poised to transform financial services through automation and personalization.
2. Strategic Moves and Acquisitions
* Stripe acquired Privy to strengthen its crypto infrastructure offering, indicating continued interest in integrating cryptocurrencies into traditional payment services.
* BoursoBank (France) now offers crypto-asset ETNs (Exchange Traded Notes) with no purchase fees on its Boursomarkets platform, making crypto investment more accessible.
* Finom raised €115 million to develop its financial tools for SMEs.
3. Regulatory and Cryptocurrency Developments
* Crypto giants are on the verge of obtaining licenses to operate in the European Union, signaling a gradual normalization of the market.
* In Brazil, the government adopted measures on the taxation of financial investments and virtual assets, including the removal of the exemption on crypto profits under R$35,000 and the introduction of a flat rate of 17.5% on all digital asset capital gains.
* The UK clarified its plans to amend "Buy Now, Pay Later" (BNPL) service regulations for domestic property providers, concluding that these services pose a low risk to consumers.
* The EU Council approved its negotiating mandate on the European Commission's proposals for a new Payment Services Directive (PSD3) and a Payment Services Regulation (PSR).
* Commission Delegated Regulation (EU) 2025/1190 was published, setting out Regulatory Technical Standards (RTS) on threat-led penetration testing (TLPT) under the Digital Operational Resilience Act (DORA).
4. Consumer Trends
* A study showed that European consumers prefer an "all-in-one" financial app format, but a lack of features often drives them to use multiple apps.
In summary, the week was marked by an acceleration of AI integration into financial services, consolidation and investment movements within the sector, and significant advancements in cryptocurrency and payment regulations.
BitcoinOS Demo Sends BTC to Cardano and Back—Without a Cross-Chain Bridge - Decrypt
https://decrypt.co/317840/bitcoinos-demo-sends-btc-to-cardano-and-back-without-a-cross-chain-bridge
Bank Sarasin Acquires 70% Majority Stake in Denmark’s Saxo Bank - Fintech Schweiz Digital Finance News - FintechNewsCH
https://fintechnews.ch/roboadvisor_onlinewealth/bank-sarasin-acquires-70-majority-stake-in-denmarks-saxo-bank/75032/
Le président de la BNS se positionne contre le bitcoin comme réserve - rts.ch - Economie
https://www.rts.ch/info/economie/2025/article/la-bns-rejette-le-bitcoin-comme-reserve-trop-volatil-et-risque-28807419.html
From BNY to Citi, Wall Street Moves In on Crypto — The Information
https://www.theinformation.com/articles/from-bny-to-citi-wall-street-moves-in-on-crypto
https://www.ccn.com/news/cardano-spot-etf-approval-timing-details/
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Memecoins Show Coinbase's Base Blockchain Isn't So Centralized, Founder Says
https://www.coindesk.com/tech/2024/11/28/memecoins-show-coinbases-base-blockchain-isnt-so-centralized-founder-says
Cryptocurrency clarified to be personal property in China, remains barred for businesses
https://cryptoslate.com/crypto-clarified-as-personal-property-in-china-remains-barred-for-businesses/
Telegram, clé de l’essor crypto en Afrique et Europe de l’Est
https://www.cointribune.com/telegram-cle-de-lessor-crypto-en-afrique-et-europe-de-lest/
https://www.finews.asia/finance/42251-ubs-asset-management-tokenization-tokenized-fund
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Bitcoin Price News: Crypto Fear and Greed Index Flashes 'Extreme Greed' Amid BTC Price Drop
https://www.coindesk.com/markets/2024/11/01/bitcoin-price-drop-leads-to-250m-bullish-liquidations-crypto-sentiment-indicator-signals-top/
Here's a summary of key fintech news from the week of June 30, 2025, drawing from global reports:
Major Funding & Investments:
* Propel Finance secured a massive £1.5 billion to boost UK SME lending, marking one of the largest single funding rounds in European Fintech this year.
* Zango (London) raised $4.8 million in a round led by Nexus Venture Partners to expand teams and product modules.
* Natech Banking Solutions (Greece) secured over $33 million in Series B funding to support its expansion in embedded finance and AI-driven banking solutions, following the launch of Snappi, their digital bank joint venture.
* Monit (Indonesia), an AI-powered spend management platform, raised $2.5 million.
* DataBahn.ai, a fintech building security-native data pipelines, secured $17 million in Series A funding.
Partnerships & Collaborations:
* Lunar, a Nordic digital bank, partnered with Visa-owned Pismo and Wise Platform to enhance its payment services, becoming the first Nordic bank to adopt these solutions for cross-border payments.
* InComm Payments adopted Atleos' ReadyCode API solution to enable its fintech and banking partners to offer ATM-based cardless cash pickup across the US.
* INSHUR, a global insurance provider, partnered with Diesta to automate payment operations and support international growth.
* Mobile Payment Solutions partnered with open banking company Salt Edge to launch PSD2-compliant APIs.
* Western Union extended its reach in the UK through a long-term deal with the Post Office, allowing customers to send funds from over 11,500 branches to 200+ countries.
Regulatory & Policy Updates:
* The European Commission adopted regulatory technical standards (RTS) on asset-referenced tokens and e-money tokens, supplementing MiCAR and establishing minimum liquidity management requirements for issuers.
* The U.S. Senate passed the “GENIUS Act” (Guiding and Establishing National Innovation for U.S. Stablecoins Act), moving closer to a regulatory framework for stablecoin issuers.
* The FCA published consultation papers on stablecoins and crypto custody, covering proposed rules and guidance for firms issuing qualifying stablecoins and safeguarding qualifying cryptoassets.
* The Financial Action Task Force (FATF) published its sixth targeted update on global AML/CFT measures for virtual assets and VASPs.
* The Bank Policy Institute (BPI) urged the US Department of the Treasury to prioritize the transition to secure, modern electronic payment methods and minimize paper checks.
New Market Entries & Expansions:
* Europe's largest neobank, Revolut, is set to enter Latin America by acquiring Banco Cetelem Argentina.
* Uruguay-based fintech dLocal obtained new payment licenses in the UAE, Turkey, and the Philippines to expand its cross-border payments network.
* Paytm (India) signaled international ambitions by appointing a new CEO for its Middle East operations.
* JCB (Japan) advanced its contactless agenda in Asia, bringing Apple Pay to Vietnam and contactless payments to Shanghai and Beijing subway systems.
Technological Innovations & Trends:
* There's a significant focus on AI in financial services, with discussions around its use in core financial decision-making, trading, investment, fraud detection, and customer relationships. Regulators are cautioning against the risks of advanced AI models deployed without appropriate testing and governance.
* Moneythor unveiled an AI Suite to help banks in South East Asia bolster personalization for customers.
* The FCA highlighted its strategic priorities for 2025, which include harnessing AI and technology.
* Discussions at CreditWeek 2025 emphasized the growing role of AI in credit modeling, alongside the need for transparency and digital inclusion.
Decoding Open Banking: When Your Bank Data Works For You!
Did you know your bank data could one day unlock a world of more innovative and personalized financial services for you? That's the core idea behind Open Banking, a concept that's shaking up the traditional rules of the banking world!
🤔 What exactly is Open Banking?
In a nutshell, Open Banking is a system that allows for the secure and consented sharing of your financial data (transactions, accounts, history, etc.) between different financial institutions and third-party service providers. This sharing happens via APIs (Application Programming Interfaces), which are like secure digital "connectors."
Before, your data was "locked away" within your bank. With Open Banking, you gain the power to decide when to share it to access new services.
🚀 Why is this a revolution for Fintech?
Open Banking is a true engine for innovation in Fintech:
* Personalized Services: Say goodbye to generic bank offers! By accessing your data, applications can provide you with loans tailored to your spending profile, smart budgeting tools, or customized insurance.
* New Apps and Services: This paves the way for a multitude of third-party services:
* Account Aggregators: View all your accounts (banks, savings, investments) on a single interface.
* Advanced Budget Managers: Analyze your spending, identify potential savings, and manage your subscriptions.
* Investment Decision Support: Receive recommendations based on your overall financial situation.
* Simplified Financing: Get credit faster with streamlined verification processes.
* Increased Competition and Innovation: Traditional banks are pushed to innovate and improve their own offerings to compete with agile new entrants.
* Financial Inclusion: By making data accessible, Open Banking can help assess the creditworthiness of individuals without traditional credit histories, thus facilitating their access to financial services.
🔒 Is it safe?
Security is at the heart of Open Banking. Data sharing NEVER happens without your explicit consent. Regulations like PSD2 (Revised Payment Services Directive) in Europe strictly govern these practices, imposing high security standards and protecting your information.
Open Banking isn't just a trend; it's a fundamental new infrastructure redefining how we interact with our finances. It puts the consumer at the center, giving them more control and options.
Here's a summary of key fintech news from the week of June 23, 2025:
Major Themes & Trends:
* AI continues to be a dominant force: The integration and impact of AI in fintech remains a hot topic, with discussions around its ability to augment human capabilities in areas like insurance, regulatory compliance, and financial management. However, there are also warnings about the potential for high costs and abandonment of some agentic AI projects.
* Sustainable Growth and Collaboration: The fintech industry is transitioning from a phase of rapid expansion to one focused on sustainable growth, increased collaboration between fintechs and traditional financial institutions, and broader market reach. Partnerships, especially via API integrations, are becoming increasingly common.
* Insurtech in the Spotlight: Insurtech was a prominent theme, with discussions centering on features customers want but aren't getting, how traditional insurers can adapt to embedded insurance, and the role of AI in the sector. Upcover, for example, launched tailored insurance for fintechs.
* Real-time Payments and Digital Transformation: There's continued focus on the global potential of real-time payments, with Singapore launching a payments network entity to oversee national schemes. Digital transformation within banking, including open banking and API-driven financial services, remains a key area of development.
* Regulatory Scrutiny: Regulators are continuing to increase pressure on fintechs, particularly concerning areas like KYC, AML, and rules around AI. This indicates a growing need for robust compliance solutions.
* Investment Climate: While certain fintech sectors like payments, regulatory technology (RegTech), and wealth management technology (WealthTech) are still attracting investor interest, the overall climate suggests a shift towards consolidation and strategic acquisitions over aggressive funding of new ventures.
Key Developments & Announcements:
* Funding and Acquisitions:
* Greek banking technology platform Natech Banking Solutions secured over €28.1 million in Series B funding.
* Finom, an Amsterdam-based digital financial services platform, completed a €115 million funding round.
* TBC Bank Uzbekistan secured US$12.5 million in financing from Triple Jump.
* CUBE acquired Acin to build a unified Regtech and risk management platform.
* Carmoola secured a $381 million private asset-backed securities (ABS) facility to expand its UK car finance offering.
* Product Launches and Partnerships:
* Alibaba.com partnered with Balance to launch 'Pay Later for Business' for US SMEs.
* Sohar International launched an Open Banking platform in Oman.
* KfW, the German state-owned development bank, issued a CHF 140 million senior unsecured native digital bond.
* Upcover launched tailored insurance for fintechs.
* BSP Papua New Guinea partnered with the UK's SmartStream to enhance its reconciliation system.
* Garanti BBVA Kripto partnered with Wyden to enhance digital asset trading.
* Leadership and Expansion:
* Qonto appointed Malte Dous as Managing Director for Central Europe.
* Revolut appointed Béatrice Cossa-Dumurgier as CEO for Western Europe.
* Coinbase secured a MiCA license and established an EU crypto hub in Luxembourg.
* Industry Insights:
* The World Economic Forum's Future of Global Fintech report highlighted the industry's transition to sustainable growth and increasing collaboration.
* TransUnion revealed that 60% of UK adults like using BNPL due to its simplicity.
* Citi detailed the global potential of real-time payments, but warned firms of potential challenges.
This week underscored the ongoing evolution of fintech, with a clear emphasis on leveraging AI, fostering collaboration, and adapting to a more mature and regulated landscape.
The Fintech Landscape in 2025: Here Are the Top 5 Global Leaders Redefining Finance
The financial technology (fintech) sector continues to reshape the global financial landscape at a breathtaking pace. In 2025, a handful of companies stand out for their innovation, meteoric growth, and impact on millions of consumers and businesses. Here are the top 5 fintechs dominating the world, based on their valuation, innovation, and market influence.
1. Stripe: The Online Payments Giant
Stripe has established itself as the backbone of the digital economy, offering a comprehensive suite of payment processing tools for businesses of all sizes. Its robust and easy-to-integrate platform has made it a preferred choice for startups and tech giants alike.
* Key Services: Online payment processing, subscriptions, invoicing, fraud prevention.
* Valuation and Funding: Stripe was recently valued at $65 billion, making it one of the most valuable startups in the world.
* Success Factors: Cutting-edge technology, a clear focus on developers, and continuous expansion of its services, including tools for revenue management and fraud prevention.
2. Revolut: The Financial Super-App
The British fintech Revolut has evolved far beyond its beginnings as a simple currency exchange app. It is now a global financial "super-app" that offers an extensive range of services, from banking and insurance to cryptocurrency trading and wealth management.
* Key Services: Current accounts, debit cards, currency exchange, stock and cryptocurrency trading, insurance.
* User Base: Revolut has tens of millions of customers worldwide and continues to expand into new markets.
* Success Factors: a seamless user experience, a wide range of integrated services, and an aggressive international expansion strategy.
3. Chime: The American Neobank Leader
Chime has disrupted the traditional banking sector in the United States by offering fee-free, mobile-first banking services. Its simple and transparent value proposition has attracted millions of customers looking for an alternative to traditional banks.
* Key Services: Fee-free checking and savings accounts, early direct deposit, a secured credit card to help build credit scores.
* Market Impact: Chime is one of the largest and most popular neobanks in the United States, challenging established players.
* Success Factors: A business model with no hidden fees, innovative features like "SpotMe" (a form of fee-free overdraft), and a strong focus on its members' financial well-being.
4. Plaid: The Connector of the Fintech Ecosystem
Plaid operates behind the scenes to power much of the fintech ecosystem. Its technology allows consumers to securely connect their bank accounts to thousands of financial apps and services, from Venmo to Coinbase.
* Key Services: APIs for bank account linking, identity verification, and transaction data extraction.
* Role in the Industry: Plaid is a foundational player that facilitates innovation for countless other fintech companies.
* Success Factors: Reliable and secure technology, a vast network of connections with financial institutions, and growing demand for connected financial services.
5. Nubank: The Brazilian Digital Finance Giant
Nubank has transformed the banking sector in Latin America, a region where a large portion of the population was previously unbanked or underbanked. By offering simple, transparent, and fully digital financial products, Nubank has experienced exponential growth.
* Key Services: Fee-free credit cards, high-yield savings accounts, personal loans, and business banking services.
* Reach and Influence: Nubank is one of the largest digital banks in the world by customer count, with a strong presence in Brazil, Mexico, and Colombia.
* Success Factors: A deep understanding of the needs of the Latin American market, an exceptional customer experience, and a commitment to financial inclusion.
https://fintechnews.ch/roboadvisor_onlinewealth/yuh-profitable-2024-growth/75099/
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Google to Allow Bitcoin Wallet Access—Is This the Start of Mass Crypto Adoption? - The Bit Journal
https://thebitjournal.com/google-to-allow-bitcoin-wallet-access-is-this-the-start-of-mass-crypto-adoption/
Bitcoin (BTC) Price Bounces to $99K, XRP, ETH Rally as Trade War Tensions Suddenly Ease
https://www.coindesk.com/markets/2025/02/03/bitcoin-bounces-above-usd99k-xrp-surges-40-as-trade-war-tensions-suddenly-ease
Musk’s DOGE Considers Blockchain to Revolutionize US Systems
https://beincrypto.com/musks-doge-considers-blockchain-to-revolutionize-us-systems/
Une nouvelle banque choisit Ethereum (ETH) : UBS lance son fonds tokenisé
https://cryptoast.fr/nouvelle-banque-choisit-ethereum-eth-ubs-lance-fonds-tokenise/
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