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<div style="display: none; max-height: 0px; overflow: hidden;">Stablecoin infrastructure firm Rain raised $250 million in a Series C led by ICONIQ that values the company at $1.95 billion </div>
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<h1><strong>TLDR Fintech <span id="date">2026-01-12</span></strong></h1>
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<strong>Setting meaningful KPIs: advice from a business coach with downloadable templates (Sponsor)</strong>
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Acclaimed business coach Bernie Smith shares his <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fgo.netsuite.com%2FLP=15036%3Fleadsource=Email_Horiz_KPICheck_TLDR_0126/3/0100019bb2888ae1-42c63fd8-a35d-4f50-b17a-e427d27bf053-000000/mmvljgReGYW2zGxJQtNyC4YkmzU2WaQHAsKJ4ZAvZwc=439" rel="noopener noreferrer nofollow" target="_blank"><span>comprehensive guide</span></a> to developing meaningful, reliable KPIs, including 50 checklists and downloadable templates.
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<strong>Rain's valuation jumps to $1.95bn as stablecoin funding accelerates (2 minute read)</strong>
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Stablecoin infrastructure firm Rain raised $250 million in a Series C led by ICONIQ that values the company at $1.95 billion, as regulatory tailwinds and institutional interest fuel crypto adoption. The company plans to use the capital to expand into licensed markets and scale its stablecoin-linked cards and payments platform, which already supports transactions wherever Visa is accepted.
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<strong>Google announces a new protocol to facilitate commerce using AI agents (5 minute read)</strong>
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Google has introduced an open standard designed to let AI-driven shopping assistants work seamlessly across product discovery, checkout, and post-purchase support without custom integrations for each retailer. Built alongside partners like Shopify, Walmart, and Target, the framework will soon power direct purchases inside Google Search and Gemini, using Google Pay and stored wallet details. The move signals a broader push to make conversational commerce native to search, while giving merchants more control over how their products and promotions surface in AI-driven buying moments.
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<strong>Wealth tax meets super-voting shares: Tech founders warn of unintended fallout (3 minute read)</strong>
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A proposed California billionaire wealth tax is drawing backlash from tech leaders who argue it would tax founders based on voting control rather than economic ownership, potentially inflating taxable wealth far beyond actual holdings. Critics warn the language could hit founders with super-voting shares especially hard, incentivize capital flight, and create severe consequences for illiquid startup founders if enacted as written.
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<strong>Why capping credit card APRs could quietly kill rewards and shrink access (4 minute read)</strong>
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A proposed 10% cap on credit card APRs may sound consumer-friendly, but fintech veterans warn it would undermine the cross-subsidies that fund rewards, lounges, and broad credit access. The likely outcome is fewer perks, higher fees for premium cards, and the disappearance of subprime credit, pushing riskier borrowers toward less regulated and more expensive alternatives.
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<strong>Tokenized stocks could redefine global equity markets (23 minute video)</strong>
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Tokenized stocks have the potential to massively expand global access to equities by enabling fractional ownership, 24/7 trading, real-time settlement, and new instruments like perpetual futures. Tokenization is the logical next step after stablecoins, unlocking faster, more flexible capital markets and new governance models.
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<strong>Global fintech funding surges 21% in 2025, according to new Innovate Finance report (2 minute read)</strong>
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Global fintech investment rebounded in 2025, with startups raising $53 billion across nearly 6,000 deals, signaling a clear recovery in investor confidence after several down years, according to Innovate Finance. Capital flowed heavily into payments and crypto, led by mega-rounds for Binance, Kraken, and Ripple, while secondary transactions, most notably at Revolut, pushed valuations higher without new primary funding. The US remained the dominant market by a wide margin, but faster growth outside Europe highlights intensifying global competition for fintech capital and talent.
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<strong>Stripe opens the door to crypto-funded checkout with Crypto.com partnership (3 minute read)</strong>
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Stripe will enable consumers to pay merchants using cryptocurrency balances through a new partnership with Crypto.com, signaling growing interest among payment processors in crypto-funded checkout. While stablecoins are seen as the most likely driver of adoption, industry experts caution that widespread use will depend on actual consumer demand and comfort with paying directly in digital assets.
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<strong>Microsoft pushes retail into the agentic era with AI-powered commerce and operations (4 minute read)</strong>
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Microsoft unveiled a suite of agentic AI tools that embed intelligent automation across the entire retail value chain, from merchandising and checkout to store operations and fulfillment. The launch includes Copilot Checkout for in-chat purchasing, brand and shopping agents for personalized discovery, and operational agents that help retailers automate decisions, improve efficiency, and convert intent into action without breaking the customer experience.
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<strong>Pluto launches AI-powered lending platform to unlock liquidity in private markets (4 minute read)</strong>
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Pluto Financial Technologies has raised $8.6 million in seed funding to build an AI-powered credit infrastructure that allows financial advisors and high-net-worth investors to borrow against private equity, venture, and alternative assets without selling them. Its flagship Wealth Equity Line of Credit (WELOC) lets investors access liquidity at competitive rates with repayment tied to future fund distributions rather than monthly interest, keeping capital deployed while unlocking cash. Through distribution partners Allocate and Moonfare, Pluto already reaches thousands of investors managing over $6 billion in alternative assets, positioning the platform as a new liquidity layer for private markets.
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<strong>JPMorgan ditches proxy advisers in favor of AI-driven shareholder voting (2 minute read)</strong>
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JPMorgan Asset Management has replaced third-party proxy advisers like ISS and Glass Lewis with an internal AI system, Proxy IQ, to analyze data and vote shares across more than 3,000 US company meetings. The move reflects long-standing criticism from CEO Jamie Dimon and aligns with broader political and regulatory efforts to curb the influence of proxy advisers, particularly on ESG-related issues.
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<strong>Saudis open stocks to all foreign investors to boost inflows (3 minute read)</strong>
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Saudi Arabia has removed long-standing eligibility rules that limited who could buy local shares, opening its main equity market to all foreign investors starting February 1. The move, announced by the Saudi Capital Market Authority, scraps the “qualified foreign investor” framework and is part of a broader push to revive a market that underperformed other emerging peers last year. Analysts say the change could unlock billions in new passive inflows from global index trackers like MSCI and FTSE, while supporting a growing pipeline of IPOs as the kingdom seeks fresh capital amid rising fiscal pressure.
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<strong>Fireblocks buys TRES for $130M as institutions demand clean crypto books (3 minute read)</strong>
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Fireblocks just spent $130 million to buy TRES, a company that handles crypto taxes and record-keeping for large banks and trading firms.
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<strong>Fintech wins 2025's most lucrative league table (5 minute read)</strong>
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A booming 2025 market generated enormous paper wealth, but fintech and crypto founders far outpaced bank CEOs, with Robinhood's Vlad Tenev up roughly $3.3 billion and Circle's Jeremy Allaire adding close to $900 million as shares surged.
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<strong>Markets signal a brighter UK future after lost decade (5 minute read)</strong>
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UK bank stocks have outperformed the Magnificent Seven over the past two years, signaling investor confidence in higher margins, cheaper valuations, and a UK recovery narrative that markets appear to believe ahead of economists.
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