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bunq has switched on Wero for both peer-to-peer transfers and online checkout across the Netherlands, Germany, France and Belgium, becoming, by its own account, the first bank to offer the European payment scheme for both uses in all four markets.

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Reusable KYC Goes Live as MiniPay Shares One Identity Check Across Its Network

Sumsub has launched Reusable KYC Gateway, a product that lets a verified user clear identity checks once and reuse that verification across an entire network of regulated partners. The first company live with it is MiniPay, the self-custodial stablecoin wallet built by Opera, which will now give its users a single verified identity they can carry to every regulated service in its partner ecosystem. The launch was announced at Token2049 Singapore on 7 October 2026. The pitch a

SAP Stablecoin Payments Arrive as Circle Embeds USDC in Cloud ERP

Stablecoin payments are moving into SAP, the enterprise software that sits at the centre of corporate finance for most of the world's largest companies. Circle, the issuer of USDC and EURC, has partnered with Tereina, an SAP-backed payments firm, to embed both tokens directly into SAP Cloud ERP. The companies confirmed the tie-up on 7 October 2026, a day after Tereina launched SAP Pay, SAP's first native payment capability built into its Cloud ERP. Eligible SAP customers will

Beyond Banking Finds Its Second Gear: Inclusion, Stablecoins and the Rails Rewriting Africa

As of this week, embedded finance is no longer the industry's buzzword darling. It's a $617bn forecast with a mobile money agent waiting at a Mozambican kiosk and a stablecoin settling a remittance into Lagos. The beyond banking story used to be easy to dismiss as a slide-deck slogan. In October 2026, the slogan is quietly becoming infrastructure. Fresh capital is flowing into embedded finance builders, agent networks are swallowing the role of bank branches across Africa, an

Noah Raises $38m to Expand Stablecoin Cross-Border Payments

Noah, the London-based infrastructure provider for stablecoin cross-border payments, has closed its seed round at $38 million after adding a $16 million extension from new and existing backers. The top-up builds on the $22 million the company raised in June 2025, and it arrives with a credibility marker that sets Noah apart in a crowded field: co-founder and president Thijn Lamers was part of the early team at Adyen, the Dutch payments group now valued in the tens of billions

Agentic RegTech Arrives: The Week Compliance Stopped Being a Cost Centre

Bretton AI banked $75 million, Napier AI pulled in £45 million, and liveness detection quietly became a core control. As of this week, the AI-native compliance stack is no longer a slide in a pitch deck, it is the operating model. Something unusual happened in RegTech over the last seven days. The sector that spent a decade being treated as a post-trade afterthought, the thing you bolted on to a core banking stack because the regulator told you to, has started to look like th

OKX $25 Billion Valuation Holds Flat as Its Own Partners Buy In

OKX has closed a strategic investment from Circle, Qube Research & Technologies, Ripple and SC Ventures, the venture arm of Standard Chartered, at the same $25 billion valuation the exchange carried seven months ago. The deal extends the round led in March by Intercontinental Exchange, parent of the New York Stock Exchange, and the unchanged headline number is the first thing worth noticing: in a year when digital-asset valuations have run hot, the OKX $25 billion valuation h

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CONTRIBUTORS & INTERVIEWS

When a Hundred Thousand Books Change Hands

An interview with Vineet Mohan by Sean Murphy A large part of the American wealth industry is about to change hands. Cerulli Associates expects more than a hundred thousand financial advisers to retire over the next decade, around 37 percent of the industry's headcount and 41 percent of its assets. Behind each of them sits a book built over thirty or forty years and every one of those books will have to move to someone else, whether there is a clearly defined process for movi

Digitalisation and Self Service Do Not Equal Good Client Service

By Dieter Rosch, Executive Head Solutions Architecture at BBD A bank can have an excellent app and still be difficult to deal with. The cause is not always the technology itself. In some cases, the process was poorly designed to begin with. In others, regulatory requirements have accumulated into layers of checks and hand-offs, or the underlying systems were never built to share context. More often, it’s a combination of all three. Connecting the work therefore means looking

How to Scale Private Banking Personalisation

By Frank Schooneveldt, Managing Director at Akkuro Savings & Investments Private banking clients expect highly personalised advice, but most banks still rely on operating models that become more expensive with every new client they add. The challenge is no longer whether banks can personalise service, but whether they can do it profitably at scale. What does scaling private banking personalisation actually mean? Scaling personalisation means delivering customised portfolio ma

A Common Language for Compliance

An interview with Nicole Dyskant by Sean Murphy For a digital-asset firm, the sharpest regulatory pain is often the overlap between regimes, the grey zone where a single offering can trigger two sets of rules at once. A payments firm that adds stablecoins finds itself inside MiCA, the European crypto framework; a stablecoin issuer that touches fiat currency may also need a payment services licence; and a hard-won MiCA licence does nothing the moment a firm wants to serve clie

From Reactive, Fragmented Claims Management to Empowered, Consistent Claims Resolution

By Yariv Lissauer, CEO at Canotera Insurance is fundamentally a business of prediction. Carriers forecast frequency, severity and aggregate losses to price risk and allocate capital. Yet once a complex claim arrives, some of the industry's most consequential financial decisions remain surprisingly reactive and fragmented. Claims management has traditionally been an iterative process: adjusters assess evolving information, defense counsel provides evaluations, reserves are rev

Turning Shopping Into Loyalty

An interview with Geno Prussakov by Sean Murphy Banks have made their money from lending for as long as banking has been a business. Deposits come in, loans go out, and the gap between the two minus operational costs is the profit. Fees, cards and current accounts all matter, but break a traditional bank down far enough and the majority of the income still comes from lending. There is no particular guarantee that the banks of the future will work that way. Stripe and the larg

Banking Transformation Summit USA’s Program Centers on the Decisions Banks Can't Put Off Until Next Quarter

By Mark Johnstone, Founder of Banking Transformation Summit In most US banks this autumn, a finance committee is working through its technology spend line by line. There is a generative AI pilot that has run long enough to need a verdict, a core modernization plan that’s timeline has been redrawn more than once, and a fraud budget that changes every time another deepfake case hits the news. Each line needs a decision, and the people making those decisions rarely have the time

Buy Now, Pay Later: The End of the Regulatory Grey Area?

By Pierre E. Berger, Joris Latui and Selena Rosiglioni, DLA Piper Buy Now, Pay Later solutions ("BNPL Solutions") are one of the fastest-growing payment methods in Europe. BNPL Solutions finance a consumer for the exclusive purpose of purchasing goods or services provided by a supplier. BNPL Solutions are often granted free of interest and without any other charges.1 Scaling FinTech companies, such as Klarna, play a key role in popularising BNPL Solutions amongst European co

AI in Creditworthiness Assessment Following the Adoption of the Digital Omnibus

By Piotr Putyra, Managing Partner, Barrister at Dudkowiak & Putyra More Time, but Compliance Work Must Continue Artificial intelligence is now standard in credit processes. Scoring algorithms analyse hundreds of variables almost instantly, so decisions take seconds rather than days. This improves risk management and speeds up customers’ access to financing. But more automation also means more responsibility for how the models work and what they decide. Credit scoring is gener