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USDC just became the EU’s first significant e-money token. From 12 November, Brussels supervises the reserves, and the annual review means it won’t be the last.

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Marqeta Adds Coinbase and Base to its Stablecoin Card Stack

Marqeta has signed Coinbase as a partner for stablecoin-backed cards, the second such deal the card issuer has struck in five weeks and a sign that it intends to support stablecoin card programmes across competing infrastructure rather than betting on one rail. Announced on 16 October 2026, the collaboration puts Coinbase in charge of custody and fiat conversion, with settlement running on Base, Coinbase's Ethereum layer-2 network, while Marqeta handles card issuance, process

Stablecoin Rails Grow Up: Why This Week Was Payments' Quiet Turning Point

Cross River plugs Ripple's RLUSD into US banking rails, Kora launches African stablecoin corridors, Visa surveys 49% of consumers and the FSB warns G20.

Credit Risk Assessment: Altares to Resell Tinubu's Analyst Reviews in France

Altares, the French arm of the Dun & Bradstreet business-data network, will begin selling analyst-written credit risk assessments produced by Tinubu to its own customers, turning a 20-year data relationship into a reseller arrangement for human-led credit analysis. The expansion, announced on 16 October 2026, arrives as French business failures sit at their highest level in two decades, a figure Altares itself publishes. What are Altares and Tinubu actually offering? Altares

AI Agents Meet Quantum Risk: Finance's Hardest Technology Week of 2026

US regulators tightened AI oversight, Coinbase urged a post-quantum migration for Bitcoin, Europol warned on wallet exposure, and tokenised stocks spilled onto new rails. This is finance's hardest technology week of the year.

Explainable Risk Scoring Targets the Shell Firms Behind AI Access

Trulioo has launched Business Risk Horizon, a business risk scoring product that traces company ownership through layered corporate structures, flags sanctioned owners or ties to restricted jurisdictions, and attaches a plain-English explanation to every score. The company says a leading artificial intelligence lab has already signed on as an early adopter, using the tool to decide which businesses can reach its models. The product, a form of explainable risk scoring, went li

Western Union and dLocal Open Wallet Payouts in Cameroon

Western Union will now pay remittances directly into mobile wallets across parts of Africa through the infrastructure of dLocal (NASDAQ: DLO), starting with a live corridor in Cameroon. The move extends a partnership that until now covered only the collection side of cross-border transfers, and it gives Western Union a faster route to deliver money in a market where most recipients rely on mobile money rather than bank branches. dLocal supplies the technology and connectivity

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CONTRIBUTORS & INTERVIEWS

When AI Gives Investment Advice, Who Checks the Maths?

By Ildar Farkhshatov, Co-Founder and Chief Technology Officer at IVM Markets Earlier this year, at a conference in Paris, I came across a company comparing investment themes recommended by different AI models. The answers varied, sometimes considerably. Each model had a perfectly reasonable explanation for its choices. I was more interested in what happened when you checked the numbers. Researchers had been asking similar questions a year earlier. A 2025 study presented at AC

Money Doesn’t Get to Be “Probably Right”

By Rafał Kucharski, Principal Fintech Architect at The Software House A few months ago, my team at The Software House gave a chat interface the ability to move money. The first message someone typed into the test build was: “Send €500 to John.” Four words. No account number, no currency, no confirmation of which John. The model, being a model, answered with total confidence. It just wasn't the right answer. That gap between confident and correct is the real fault line in agen

Location, Location, Location: The Signal Fraud Struggles to Fake

An interview with André Ferraz by Sean Murphy The property trade has a mantra, that the three things which determine the value of a home are location, location and location. It has always described houses. It now describes, in André Ferraz's account, one of the more effective tools in the fight against online fraud, although the benefit of location is probably not what you expect. André Ferraz is the co-founder and chief executive of Incognia, a company that sells fraud detec

Beyond Banking: Embedded Finance, Open Banking and the ESG Data Gap

By Piotr Glapiński, Attorney at law, Senior Counsel at Dudkowiak & Putyra Distribution Is Changing Faster Than the Data Behind Sustainability Claims For decades, a bank was a place customers went to. Increasingly, it comes to them, often under another company's brand: credit appears at an online checkout, insurance is sold alongside a purchase, and licensed third parties can read payment account data. Banks are also expected to show that the money they lend and invest support

When AI Becomes the First Conversation: Rethinking How Fintechs Buy and Sell

By Koen Vanderhoydonk, CEO at The Connector. Something is changing in how fintechs sell, and how buyers buy I have spent a lot of time speaking with fintechs, technology providers and people on the buying side of the market. What I am seeing is not simply another shift in digital marketing or another new sales tool. AI is starting to change the conversation itself. The traditional journey was relatively straightforward. A buyer identified a problem, searched the market, visit

What Should Be in a Startup Data Room?

By John D. Evans, CFA, Founder & General Manager at SEIML Most early-stage startups don’t prepare a proper investor data room until investors ask for it. By then, the fundraising process has already slowed down. One of the fastest ways for a Founder to build credibility with investors is a well-organised data room. Yet many early-stage companies overlook it until the fundraising process is already underway. That usually creates unnecessary friction. A well-prepared data room

Europe’s Next Energy Frontier Is Above Us

By Jasper Deprez, Founder & CEO at TerraSpark Space-based solar power sounds like an enormous technological bet. The more interesting question for finance may be whether we can turn it into a sequence of investable ones. Imagine collecting solar energy in space and transmitting it wirelessly to Earth, wherever it is needed. A factory in Germany. A data centre in Luxembourg. An island thousands of kilometres from the nearest power plant. The idea is called space-based solar po

Where the Toll Booth Goes Next

By Arunjay Katakam, Author For years, I argued that open financial infrastructure would make moving money cheaper. Remove the unnecessary intermediaries, settle faster, release the capital trapped in correspondent accounts, and the savings would reach the people making the payments. I still believe much of that. What I no longer believe is that removing an intermediary necessarily removes its margin. Money is becoming software, and the question is what that does to everyone w

A Video is Worth a Thousand Words

An interview with David Morrica by Sean Murphy A wealth adviser will happily talk for two hours across a lunch table, build a relationship over decades, and read a client's mood without thinking about it. Put the same person in front of a camera and they clam up. David Moricca has seen this happen enough times to treat it as the central problem of his business rather than a quirk. Being conversational with someone in the room is one thing; recording alone, with no one to reac