#fintech regulation

Lending & Credit

The Great Fintech Breakup: Why Affirm, Upstart, and Payoneer Are Finally Ditching Their Bank Partners

For two decades, fintechs thrived by outsourcing banking to partners. Now Affirm, Upstart, and Payoneer are applying for their own charters. The shift signals a fundamental reshuffling of fintech economics—and a reckoning with who controls the customer relationship.

Payments & Wallets

PayPal, Convera, and Nium Are Betting Big on Stablecoins—But Regulators Aren't Done Writing the Rules

The stablecoin arms race is accelerating, and major fintech players are placing their bets before the regulatory finish line moves. But the real question isn't whether stablecoins work—it's whether the rules will let them survive.