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<div style="display: none; max-height: 0px; overflow: hidden;">Klarna has officially filed to go public in the US, aiming to raise up to $1.27 billion in what could be one of the largest fintech IPOs of the year </div>
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<h1><strong>TLDR Fintech <span id="date">2025-09-04</span></strong></h1>
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<strong>Achieved compliance? Congratulations - now comes the worse part (Sponsor)</strong>
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You can get compliant in 15 hours with <strong>Delve</strong>. SOC 2, HIPAA, ISO - all automated with AI.<p></p><p>(That's why 500+ of the fastest-growing AI companies - Lovable, Cluely, Wispr Flow - already run compliance on Delve.)</p><p>But then there's <strong>enterprise reviews</strong>.</p><p>If you've ever sold enterprise software, you've sat through 100s of hours of security questionnaires.</p><p>Pointless checkboxes. SaaS-era questions. Deals stalled.</p><p><strong>Delve</strong> and <strong>Bland AI</strong> have partnered to do something about it.</p><p>They've just published the <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fdelve.co%2Fblog%2Fwhat-security-questionnaires-should-ask-ai-vendors%3Futm_source=tldrfintech%26utm_medium=newsletter%26utm_campaign=tldrfintech-primary-sep04-25/3/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/74D3MILKBwUEYkiE8lfsEA139LlEF1Yjs8UHuQRO-2w=421" rel="noopener noreferrer nofollow" target="_blank"><span>manifesto</span></a> on security questionnaires in the age of AI.</p>
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<strong>Klarna files for U.S. IPO to raise up to $1.27 billion (2 minute read)</strong>
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Klarna has officially filed to go public in the U.S., aiming to raise up to $1.27 billion in what could be one of the largest fintech IPOs of the year. The Swedish BNPL giant will list on the Nasdaq under the ticker "KLAR" and plans to use proceeds for international expansion and AI investments. The IPO follows a strong rebound in Klarna's financials, including a return to profitability and growing traction in the U.S. market, where it now serves over 40 million users.
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Revolut's valuation has surged to $75B after a secondary share sale, giving employees the chance to cash out up to 20% of their holdings. The fintech's profits more than doubled in 2024, fueled by subscriptions and growth in wealth and crypto trading. While the move rewards staff, it also raises questions about whether the company's long-awaited IPO is being delayed—especially as executives eye New York over London for a potential listing.
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Business payments outfit Airwallex is pitching itself directly against Stripe Billing through the acquisition of billing platform OpenPay.
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Blockchain lender Figure Technology Solutions seeks to raise ~$526M in its IPO, while Winklevoss-led Gemini aims for up to $361M, according to updated SEC filings. Figure, which runs on Provenance Blockchain, reported $191M in H1 2025 revenue and $29M in net income, while Gemini disclosed a $283M H1 net loss after widening losses from last year. It joins Circle, Bullish, Grayscale, and BitGo in a wave of crypto firms going public, underscoring renewed investor appetite for digital asset companies.
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Financial institutions are embracing early-stage AI startups, shifting from a reactive stance to actively adopting cutting-edge technology. Key themes include the rise of AI agents in security, DevOps, fraud, compliance, and capital markets; the “hidden crisis” in enterprise financial operations and the need for a next-gen CFO stack; and urgent infrastructure modernization away from legacy mainframes. This piece highlights the challenges of autonomy vs. control for AI agents and the growing ecosystem of infrastructure, security, and monetization tools needed to scale AI adoption.
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In a new interview, Flexport founder and CEO Ryan Petersen reflects on starting the company in 2013, scaling explosively during COVID, and managing the sharp market correction that followed. He also highlights the rapid growth of Flexport Capital, showing how logistics firms are evolving into fintech providers. The conversation offers founders lessons on leading through turbulence and building in overlooked categories.
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This free cheat sheet from <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.teamohana.com%2Fheadcount-management-platform%3Futm_source=tldr%26utm_medium=ad%26utm_campaign=august%2B28%2B2025%2Btldr%2Bfintech%2Bplacement%2Btwo%26utm_id=tldr%2Bfintech%2Bplacement%26utm_term=headcount%2Bmanagement%2Bplatform%26utm_content=demo%2Brequest/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/HcW-GHtDh_-cpHi-Jn-osoKpvmp7iy-T4WxGi9HmC34=421" rel="noopener noreferrer nofollow" target="_blank"><span>TeamOhana</span></a> helps align Finance, HR, Talent, and business leaders around a shared set of metrics for headcount planning, so everyone is speaking the same language. Developed with input from recruiting & operations leaders at Postman and Docker to make collaboration easier. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.teamohana.com%2Ftoolkit%2Fcollaborative-headcount-planning-metrics%3Futm_source=tldr%26utm_medium=ad%26utm_campaign=august%2B28%2B2025%2Btldr%2Bfintech%2Bplacement%2Btwo%26utm_id=tldr%2Bfintech%2Bplacement%26utm_term=headcount%2Bmetrics%2Bcheat%2Bsheet%26utm_content=landing%2Bpage/2/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/367Z98GJbx-ydBHjqtxhuINEzfxjRvGKZ-c7w14s9YU=421" rel="noopener noreferrer nofollow" target="_blank"><span>Get the cheat sheet.</span></a>
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fsquare-unveils-new-product-roadmap%2F758984%2F%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/Tv2GqZAameV4sHx7H76jA9LzBKrTRPuxiXkIJ0dyUPU=421">
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<strong>Square unveils roadmap with 68 new features including bitcoin payments and Shopify sync (3 minute read)</strong>
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Block's Square has released its product roadmap through Q1 2026, highlighting 68 upcoming features such as ACH payments, Shopify inventory sync, automatic credit card surcharges, and bitcoin acceptance starting in Q4. Other updates include booking deposits, prepaid appointment links, a “tip before payment” option, and Afterpay integration for online bookings. Square will share more details at a conference on October 8. It plans to update the roadmap quarterly, with customer feedback shaping feature development.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fvisa-new-merchant-card-acceptance-fraud-dispute-program%2F758988%2F%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/q-3Xt7t5VIDrisCx2A8-rQ-v22Mk0b1NB7zKJNngKLI=421">
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<strong>Visa merges fraud and dispute programs into new compliance regime for merchants (3 minute read)</strong>
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Visa will enforce its new “Visa acquirer monitoring program” (Vamp) starting October 1, consolidating five fraud and dispute programs into one system. Merchants and acquiring banks will face new fees or fines tied to fraud and dispute ratios, with smaller merchants expected to feel the biggest impact. Visa estimates Vamp could cut global losses by $2.5B and aims to tackle both automated credential attacks and rising “friendly fraud” chargebacks, which hit $11B last year.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.cnbc.com%2F2025%2F09%2F03%2Fwalmart-backed-onepay-adds-wireless.html%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/6E9AIATV-H34x--rH3bCyGcWwszX0oCjxK0F9m2Y1Nc=421">
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<strong>Walmart-backed fintech OnePay is adding wireless plans to its everything app (6 minute read)</strong>
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OnePay, the Walmart majority-owned fintech, is expanding beyond banking into mobile service with the launch of OnePay Wireless, a $35/month unlimited 5G plan offered through a partnership with startup Gigs and powered by AT&T's network. The service, available directly in-app with no credit checks or fees, positions OnePay closer to becoming a U.S. super app, alongside its debit and credit cards, savings accounts, BNPL loans, and P2P wallet. Industry watchers note this model mirrors moves by Klarna and Nubank, signaling a broader trend of fintechs embedding wireless plans to boost user stickiness while lowering telecom acquisition costs.
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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%2Ffintechmagazine.com%2Ftop10%2Ftop-10-fintech-events-around-the-globe%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/gDv7GJyKL0TqjNr7zUF0fus5RQmoGp8m3kJDPwwRml0=421">
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<strong>Top 10: fintech events around the globe (5 minute read)</strong>
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The fintech world's calendar is packed with major gatherings like Singapore FinTech Festival, Money20/20 (USA & Europe), Sibos, Paris Fintech Forum, and Hong Kong FinTech Week. Taking the #1 spot is Fintech LIVE London, the UK's fastest-rising event that has quickly become a premier stage for digital banking, sustainable finance, and AI-driven innovation—highlighted by its Global FinTech Awards ceremony.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fblogposting%2F29238%2Fai-collection-agents-transforming-debt-recovery-in-financial-services%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/sIC92Xwuw0a3x9XCNm2w67_NPuQ73cTHbT78jC1r1xw=421">
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<strong>AI Collection Agents: Transforming Debt Recovery in Financial Services (5 minute read)</strong>
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Debt collection is changing fast. AI-powered systems are replacing traditional call centers, operating 24/7 to recover debts while maintaining customer satisfaction. For banks, fintechs, and collection agencies, this technology is becoming essential, not optional. Industry data shows AI collection strategies can boost recovery rates by up to 25% while improving customer satisfaction. This solves a key challenge: recovering money without damaging customer relationships.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.finextra.com%2Fpressarticle%2F106912%2Fstripe-terminal-goes-live-in-japan%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/wcZNRB1YixAWEc8M29a2J5RQl5AK8UzybTdvkHRxnz0=421">
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<strong>Stripe Terminal goes live in Japan (2 minute read)</strong>
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Stripe launched Stripe Terminal in Japan, helping Japanese businesses unify commerce experiences across online and offline channels. Stripe Terminal includes support for Tap to Pay on iPhone, as well as integrations with PayPay, the leading QR code payment method in Japan with over 70 million users, and Weixin Pay, also known as WeChat Pay.
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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%2Fx.com%2Fjevgenijs%2Fstatus%2F1962121970427826287%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/HddCH675HVzQyd5mBRQGQNWVHpT-LXqRyhG-5Q_TcHE=421">
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<strong>Affirm CEO on 0% APR loans: “Underwriting is hard and we're good at it and others aren't” (1 minute read)</strong>
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On Affirm's earnings call, CEO Max Levchin explained the company's lead in 0% APR loans by bluntly stating that underwriting is difficult and competitors simply aren't as good at it.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2025-09-03%2Ffed-to-host-payments-innovation-conference-next-month%3Futm_source=tldrfintech/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/kWREGHrnGolw3xEwxpM2ki5WZsxFxNxAmbOwPghNgBE=421">
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<strong>Fed to host ‘payments innovation' conference next month (3 minute read)</strong>
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The Federal Reserve is holding a payments-focused event on October 21 to explore how crypto, AI, and tokenization could reshape the financial system.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/Ttb3quDN0p-9kIvSNYiImeQFw3hc0J1cORDtCtWJ73U=421"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/PYGovn-O1nhbhg50NMJ9PQtbr4G6j36lo5RGRQLYVJc=421"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/0100019914d4bb3b-1d9cd57c-f008-4fc3-9eef-67c4f9e71b1a-000000/h8SJuNxyaU_w2utlQdVI9Sv-XbSn2JEA4wk1xgYVqpc=421"><span>Gabriel Sundaram</span></a>
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