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<div style="display: none; max-height: 0px; overflow: hidden;">Klarna has grown the number of merchants offering its payment methods by 47% in the past year, adding 285,000 merchants in 2025 </div>
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<h1><strong>TLDR Fintech <span id="date">2026-03-19</span></strong></h1>
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<strong>Fin resolves complex financial queries with unmatched accuracy (Sponsor)</strong>
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In the world of Financial Services support, the stakes are high and your customers' information is extremely sensitive. Fin is built for the scale and complexity of Financial Services, delivering the highest-quality responses in 45+ languages for your customers all around the world. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fsolutions%2Ffinancial-services%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/3/0100019d0635377f-d41217d3-f48d-4daf-9ce1-f9601b8b3090-000000/ecuyjWSciiVD9RZiCoQK7c6NuHwipzvQID840VHL6cY=449" rel="noopener noreferrer nofollow" target="_blank"><span>Fin</span></a> resolves even the most complex queries like fraud claims, transaction disputes, account changes, and more.
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<p>And companies like RocketMoney, Polymarket, and Consensys trust Fin to deliver always-on, accurate, secure support. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ffin.ai%2Fcustomers%2Frocket-money%3Futm_source=tldr%26utm_medium=newsletter%26utm_campaign=f_tldr_newsletter_bmkt_ba_awar_pros_3p_fintech-vertical_namer_us_en_newsletter/1/0100019d0635377f-d41217d3-f48d-4daf-9ce1-f9601b8b3090-000000/HPxH82XRBbdlRRuqJt7VvnuUW6XOrzCSp8CcrPvJqXk=449" rel="noopener noreferrer nofollow" target="_blank"><span>Check out customer testimonials.</span></a></p>
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<strong>Klarna smashes one million merchants milestone (2 minute read)</strong>
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Klarna has grown the number of merchants offering its payment methods by 47% in the past year, adding 285,000 merchants in 2025 - 115,000 in the final quarter alone - and surpassing one million merchants globally.
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Mastercard said it will acquire stablecoin infrastructure startup BVNK for up to $1.8 billion, including $300 million tied to performance targets, marking its largest crypto deal to date. The acquisition gives Mastercard deeper exposure to stablecoins and tokenized deposits by linking traditional payment rails with blockchain-based systems. It also reflects how large payment networks are positioning for broader digital currency adoption amid a more favorable crypto regulatory backdrop.
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Robinhood launched a $695 invitation-only Platinum Card targeting younger, tech-savvy affluent consumers who prefer cash back and simple rewards over traditional premium card perks like points and lounge access. The company plans to invite top spenders from its existing Gold card base, which already has about 700,000 users and $10 billion in annual spending. The move positions Robinhood to compete directly with premium offerings from American Express, JPMorgan Chase, and Citi as fintechs push deeper into high-end banking.
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<strong>Stripe-backed Tempo blockchain goes live with machine payments protocol (2 minute read)</strong>
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Tempo, the payments blockchain backed by Stripe, has launched its mainnet and introduced an open standard for machine payments. Incubated by Stripe and backed by crypto investment firm Paradigm, Tempo is an independent company working on a payments-oriented blockchain for high-scale, real-world financial services applications.
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<strong>Mastercard takes wraps off new GenAI model (2 minute read)</strong>
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Mastercard is betting that its new foundational AI model, trained on billions of anonymized transactions, will help improve everything from its cyber defences to loyalty programmes. Unlike the popular large language models trained on huge amounts of unstructured data, Mastercard, working with Nvidia and Databricks, has built a large tabular model, or LTM, which is trained on structured data, such as large-scale tables or datasets.
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<strong>Fintechs push states to adopt 36% lending rate cap (2 minute read)</strong>
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Fintech companies are advocating for states to adopt a 36% interest rate cap on consumer lending. A consistent standard would clarify rules and allow responsible lenders to compete nationwide. The push comes as federal efforts to impose a national cap have stalled, shifting the policy battle to state legislatures such as Iowa and West Virginia. Industry groups representing firms like Affirm and DailyPay say standardized caps would protect consumers while enabling digital lenders to scale across states.
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<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bain.com%2Finsights%2Fsix-threats-demand-a-new-playbook-for-banks-in-wealth-and-asset-management%2F%3Futm_source=tldrfintech/1/0100019d0635377f-d41217d3-f48d-4daf-9ce1-f9601b8b3090-000000/VrEdWBL_dkFPSgH1jI1I1otTKzgjLF1JHNyidIsGzNQ=449">
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<strong>Six threats demand a new playbook for banks in wealth and asset management (6 minute read)</strong>
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Banks are facing mounting pressure from tech-native firms, direct-to-consumer asset managers, and decentralized finance players that are steadily eroding their dominance across the financial value chain. The shift toward AI-driven advice, modular platforms, tokenized assets, and localized strategies is forcing incumbents to rethink how they deliver performance, own client relationships, and compete on data and distribution. To stay relevant, banks must choose between becoming digital gatekeepers, alpha-focused investment engines, or asset-light orchestrators, each requiring bold build, buy, or partner decisions.
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<h1><strong>Quick Links</strong></h1>
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<strong>SEC considers eliminating mandatory quarterly earnings reports (1 minute read)</strong>
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The SEC is preparing a proposal that would make quarterly earnings reporting optional and allow public companies to report results only twice a year.
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<strong>JPMorgan sued over $328M crypto ‘Ponzi' scheme (4 minute read)</strong>
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Investors are suing JPMorgan Chase for allegedly enabling a $328M crypto fraud tied to Goliath Ventures by continuing to service its accounts despite clear warning signs.
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