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<div style="display: none; max-height: 0px; overflow: hidden;">Revolut is considering hiring investment bankers as it decides whether to acquire a U.S. lender or pursue its own banking license </div>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.airwallex.com%2Fus%2Flp%2Fembedded-finance-build-vs-buy%3Futm_source=other%26utm_medium=paid_other%26utm_campaign=v01_amer_us_ib_dg_cust_tofu_us-aug-2025-tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/qv6_sUngSFkHhyxyiClY4F4bBKSgqBF_0exgJBEsnFc=420"><img src="https://images.tldr.tech/airwallex.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Airwallex"></a></td></tr></tbody></table>
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<h1><strong>TLDR Fintech <span id="date">2025-09-01</span></strong></h1>
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<strong>Embedded finance can cost $6M+ in year one. Most companies never see it coming (Sponsor)</strong>
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Building payments and financial services into your platform in-house seems straightforward… until you hit the hidden costs.<p></p><p>This <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.airwallex.com%2Fus%2Flp%2Fembedded-finance-build-vs-buy%3Futm_source=other%26utm_medium=paid_other%26utm_campaign=v01_amer_us_ib_dg_cust_tofu_us-aug-2025-tldrfintech/3/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/1yt7i3dPt4fxjC1s6y_kUO94aeUX-MYFyIRoxsKg0Ic=420" rel="noopener noreferrer nofollow" target="_blank"><span>whitepaper</span></a> breaks these down into what you can actually expect to pay: an eye-watering $6.08M in implementation costs, and $7.38M annually in operations.</p>
<p>Then there's the complexity: regional banking licenses, compliance, and compounding operational overhead. Expect 1.5+ years to market when going DIY.</p>
<p><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.airwallex.com%2Fus%2Flp%2Fembedded-finance-build-vs-buy%3Futm_source=other%26utm_medium=paid_other%26utm_campaign=v01_amer_us_ib_dg_cust_tofu_us-aug-2025-tldrfintech/4/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/rTWTUtuycjT7n1gbl7ldCPKaF0XM2jx-Pn755MePBPY=420" rel="noopener noreferrer nofollow" target="_blank"><span>Read the full whitepaper</span></a> to see the detailed cost breakdown, and how much you could save by partnering with an embedded finance provider - including a real-life case study of how one company saved $millions with Airwallex.</p>
<p>Download here → <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.airwallex.com%2Fus%2Flp%2Fembedded-finance-build-vs-buy%3Futm_source=other%26utm_medium=paid_other%26utm_campaign=v01_amer_us_ib_dg_cust_tofu_us-aug-2025-tldrfintech/5/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/ylBZyl4riXTClX7qnHRqc7bDRs8tpZZA9VVJqDBmjpo=420" rel="noopener noreferrer nofollow" target="_blank"><span><em>Embedded finance: The build vs. buy playbook</em></span></a>
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<strong>Revolut Considers U.S. Bank Acquisition to Fuel Expansion (3 minute read)</strong>
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Revolut is considering hiring investment bankers as it decides whether to acquire a U.S. lender or pursue its own banking license to accelerate growth in the country. The fintech is preparing to launch savings products for U.S. consumers and recently ramped up marketing, even offering free subway rides in New York. Backed by talks to raise $1B at a $65B valuation, Revolut is positioning itself for a deeper U.S. push as deregulation and M&A opportunities open new doors.
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<strong>Affirm Surges on Strong Q4 Results, Beats Across the Board (4 minute read)</strong>
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Affirm shares jumped 12% after posting fiscal Q4 earnings of $0.20 per share, nearly double expectations, with revenue up 33% to $876M and net income of $69M versus a loss last year. Gross merchandise volume rose 44%, driven by partnerships with Amazon and Shopify, offsetting the loss of Walmart to Klarna, while its Affirm Card saw GMV growth of 132% and in-store spend up 187%. CEO Max Levchin pointed to strong consumer demand, rising usage, and AI-powered credit models, with upbeat guidance for FY26 fueling optimism.
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<strong>Chinese Money Launderers Move $312B Through U.S. Banks, Treasury Says (3 minute read)</strong>
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The U.S. Treasury estimates Chinese money-laundering networks funneled up to $312 billion in illicit funds through U.S. banks between 2020 and 2024, often working with Mexican drug cartels. Driven by China's currency controls, these networks now dominate the underground market for U.S. cash and are also tied to scams, human trafficking, and healthcare fraud. Banks are being urged to flag red flags, such as suspicious cash deposits from Chinese passport holders.
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<h1><strong>Deep Dives & Reports</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthefinancialbrand.com%2Fnews%2Fopen-banking%2Fopen-finance-is-exploding-globally-why-is-the-u-s-lagging-191986%3Futm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/xwIDKNve5ldfvzd-CyB3Y-Jj7gnT8i-9wP12cwN4A-M=420">
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<strong>Open Finance Is Exploding Globally. Why is the U.S. Lagging? (7 minute read)</strong>
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Markets like Brazil, the UK, India, and Singapore are racing ahead in open finance thanks to clear regulations, interoperable data standards, and industry-wide collaboration. The U.S., by contrast, sits in the “Enthusiast” category, strong in private innovation but slowed by fragmented policy and regulatory uncertainty. With forecasts projecting a $7.2 trillion embedded finance market by 2030, U.S. banks risk ceding leadership unless they move quickly to align governance, API security, and cross-industry monetization strategies.
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<strong>“Consumer Protection” Is Already Failing Americans (15 minute read)</strong>
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TomoCredit, once known for its “No FICO” card, faces a wave of lawsuits alleging fake tradelines, aggressive and misleading debt collection tactics, and inaccurate credit bureau reporting. Despite clear red flags, investors like Morgan Stanley and Mastercard, partner banks, credit bureaus, and even regulators such as the CFPB largely failed to intervene, leaving consumers exposed. The saga raises a broader question: in an era of fintech growth and crypto adoption, are regulators enabling a golden age of scams under the guise of encouraging risk-taking?
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<strong>Building financial resiliency (15 minute read)</strong>
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Despite record access to financial services, most U.S. households remain fragile, with only three in ten considered financially healthy and 37% unable to cover a $400 emergency. The issue is no longer inclusion, but resilience—helping consumers build buffers, coordinate bill payments, access integrated small-dollar credit, and mitigate risks. Banks and fintechs already have the tools to create a more resilient choice architecture, turning resilience into both a consumer safeguard and a business growth opportunity.
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<strong>The Rise of Digital Banking and Fintechs: Branch Tomorrow (1 hour podcast)</strong>
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In this episode, Brett King speaks with Richard Turrin, an industry leader in fintech innovation and digital transformation and author of Cashless: China's Digital Currency. King and Turrin delve into the robust digital financial services landscape in China, which experienced significant digital disruption starting in the mid-2010s. They discuss how bankers there are still reeling from the unprecedented scale of disruption brought on by MYbank, WeBank, WeChat, and Alipay.
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<h1><strong>Launches & Products</strong></h1>
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<strong>Workday Expands Zuora Partnership for Smarter Billing (3 minute read)</strong>
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Workday and Zuora are deepening their collaboration to streamline revenue management for businesses juggling subscriptions, usage-based pricing, and hybrid billing models. The integration links Zuora's order-to-cash automation with Workday Financial Management, providing accurate revenue tracking, compliance support, and faster audits. By automating data flow into Workday's general ledger, the partnership promises a unified financial view that reduces manual work and improves precision across complex revenue streams.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.thinkadvisor.com%2F2025%2F08%2F29%2Fwells-fargo-adds-alternatives-to-personalized-umas%2F%3Famp=1%26utm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/RONUgEn7BjxJ_XV1UqAxgY-TJBVD2ogEtEmV88rw3SA=420">
<span>
<strong>Wells Fargo adds alternatives to personalized UMAs (4 minute read)</strong>
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Wells Fargo is expanding its Personalized Unified Managed Account platform by integrating alternative investments through a partnership with fintech firm InvestCloud. The upgrade allows clients and advisors to blend traditional assets with options like private equity, hedge funds, real estate, and derivatives in a single account. The move reflects growing demand for portfolio diversification and positions Wells Fargo to offer more resilient, tech-enabled wealth management solutions.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.foxbusiness.com%2Ftechnology%2Fai-credit-disputing-tool-launches-consumers-nationwide-correct-credit-report-errors%3Futm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/M0jHO5r_wsuMQVwpmO9jkaG7eGUET4UU9CIc0oXVoDc=420">
<span>
<strong>AI credit disputing tool launches for consumers nationwide to correct credit report errors (6 minute read)</strong>
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Kikoff has rolled out an AI-powered feature that helps users quickly identify and challenge errors on their credit reports. Since launching, the tool has been used more than 70,000 times and is offered free within the Kikoff app. With nearly half of U.S. consumers reporting credit report mistakes, this tool could make disputing errors less daunting while giving users greater control over their financial health.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffinovate.com%2Falloy-and-mastercard-team-up-to-accelerate-the-onboarding-process%2F%3Futm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/kBty0CN-I9RafClB0qVyQAmb_i3KHksTug31LQTNq5U=420">
<span>
<strong>Alloy and Mastercard Team Up to Accelerate the Onboarding Process (6 minute read)</strong>
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A new customer onboarding solution is being launched for banks and fintechs to tackle rising fraud and improve account openings. The offering combines identity verification with open finance to reduce fraud, which reportedly surged 60% in 2024, while also streamlining account openings. By embedding Mastercard's digital identity tools directly into Alloy's platform, the partnership aims to cut manual reviews, improve conversion rates, and deliver a more secure and consistent onboarding experience.
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<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2Ffmarlp/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/vPFFimsVAemmuc4Tt9F5HtCmClTZ75uy4GDsjiwif3o=420">
<span>
<strong>Circle, Paxos Pilot Tech to Verify Stablecoin Authenticity (2 minute read)</strong>
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Circle and Paxos have partnered with fintech startup Bluprynt to pilot cryptographic tools that trace stablecoins back to verified issuers, aiming to prevent counterfeits and impersonation attacks. The technology provides upfront provenance and transparency, which could aid regulators, auditors, and investors as new global stablecoin rules take effect. With USDC and PayPal's PYUSD among the largest tokens, the move signals a maturing stablecoin market seeking stronger safeguards against fraud.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthefinancialbrand.com%2Fnews%2Fbuy-now-pay-later%2Fbnpl-isnt-just-lending-its-a-card-growth-engine-191930%3Futm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/oSTVbgOX_XIcQkxpfRwL57zItrlB10u9z_Kye9F4HVc=420">
<span>
<strong>BNPL Isn't Just Lending, It's a Card Growth Engine (7 minute read)</strong>
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Debit cards paired with Buy Now, Pay Later are reshaping how consumers manage spending, offering installment flexibility without relying on traditional credit. This appeals to younger buyers and those avoiding debt, giving them budgeting control while still enabling larger or more frequent purchases. For banks and credit unions, integrating BNPL into debit transforms a once-static product into a driver of higher spend, engagement, and long-term loyalty.
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<div style="text-align: center;"><span style="font-size: 36px;">⚡</span></div></div>
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<h1><strong>Quick Links</strong></h1>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftechcrunch.com%2F2025%2F08%2F27%2Fwith-indias-corporate-banking-lagging-decades-behind-consumer-fintech-transbnk-raises-25m-to-bridge-the-gap%2F%3Futm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/YP02-ENLyYjMq2D5-WZV7lGcaVU9NTt0mbibYz6j81Y=420">
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<strong>TransBnk Raises $25M to Modernize India's Corporate Banking (1 minute read)</strong>
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TransBnk secured $25M in funding to bring modern fintech infrastructure to India's decades-behind corporate banking sector.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.coindesk.com%2Fbusiness%2F2025%2F08%2F22%2Fsouth-korea-s-top-banks-said-to-meet-tether-circle-on-stablecoin-partnerships-report%3Futm_source=tldrfintech/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/SFil3HxFkzchfAgxwqq3xt6xWEPt-Vupjwx2R7wPQN4=420">
<span>
<strong>South Korea's Top Banks Said to Meet Tether, Circle on Stablecoin Partnerships: Report (6 minute read)</strong>
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<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
South Korea's largest banks are holding talks with Tether and Circle about distributing dollar-backed stablecoins and potentially launching a won-pegged digital token.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/Ouu3dGc-tfot7IQAgrsBKLCzKBszLUsiN16F64U_JG0=420"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/mnrIY80HRpFy8u74Q5y2E5WmkAMw3AbOnUav2dg1-uk=420"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019905622155-b71f4082-6782-47a8-8b0c-fd737e195776-000000/9g1R6zpdvesPGiTXwHK5FZ-U-wnCl-CIH0_I99Tx2Z4=420"><span>Gabriel Sundaram</span></a>
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