<!DOCTYPE html><html lang="en"><head><meta http-equiv="Content-Type" content="text/html charset=UTF-8"><meta charset="UTF-8"><meta name="viewport" content="width=device-width"><meta name="x-apple-disable-message-reformatting"><title>TLDR Fintech</title><meta name="color-scheme" content="light dark"><meta name="supported-color-schemes" content="light dark"><style type="text/css">
:root {
color-scheme: light dark; supported-color-schemes: light dark;
}
*,
*:after,
*:before {
-webkit-box-sizing: border-box; -moz-box-sizing: border-box; box-sizing: border-box;
}
* {
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;
}
html,
body,
.document {
width: 100% !important; height: 100% !important; margin: 0; padding: 0;
}
body {
-webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; text-rendering: optimizeLegibility;
}
div[style*="margin: 16px 0"] {
margin: 0 !important;
}
table,
td {
mso-table-lspace: 0pt; mso-table-rspace: 0pt;
}
table {
border-spacing: 0; border-collapse: collapse; table-layout: fixed; margin: 0 auto;
}
img {
-ms-interpolation-mode: bicubic; max-width: 100%; border: 0;
}
*[x-apple-data-detectors] {
color: inherit !important; text-decoration: none !important;
}
.x-gmail-data-detectors,
.x-gmail-data-detectors *,
.aBn {
border-bottom: 0 !important; cursor: default !important;
}
.btn {
-webkit-transition: all 200ms ease; transition: all 200ms ease;
}
.btn:hover {
background-color: #f67575; border-color: #f67575;
}
* {
font-family: Arial, Helvetica, sans-serif; font-size: 18px;
}
@media screen and (max-width: 600px) {
.container {
width: 100%; margin: auto;
}
.stack {
display: block!important; width: 100%!important; max-width: 100%!important;
}
.btn {
display: block; width: 100%; text-align: center;
}
}
body,
p,
td,
tr,
.body,
table,
h1,
h2,
h3,
h4,
h5,
h6,
div,
span {
background-color: #FEFEFE !important; color: #010101 !important;
}
@media (prefers-color-scheme: dark) {
body,
p,
td,
tr,
.body,
table,
h1,
h2,
h3,
h4,
h5,
h6,
div,
span {
background-color: #27292D !important; color: #FEFEFE !important;
}
}
a {
color: inherit !important; text-decoration: underline !important;
}
</style><!--[if mso | ie]>
<style type="text/css">
a {
background-color: #FEFEFE !important; color: #010101 !important;
}
@media (prefers-color-scheme: dark) {
a {
background-color: #27292D !important; color: #FEFEFE !important;
}
}
</style>
<![endif]--></head><body class="">
<div style="display: none; max-height: 0px; overflow: hidden;">A proposed partnership between Ramp and Airwallex to strengthen Rampβs international payments capabilities reportedly fell apart in April 2025 β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β β </div>
<div style="display: none; max-height: 0px; overflow: hidden;">
<br>
</div>
<table align="center" class="document"><tbody><tr><td valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="container" width="600"><tbody><tr class="inner-body"><td>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr class="header"><td bgcolor="" class="container">
<table width="100%"><tbody><tr><td class="container">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" style="margin-top: 0px;" width="100%"><tbody><tr><td style="padding: 0px;">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div style="text-align: center;">
<span style="margin-right: 0px;"><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftldr.tech%2Ffintech%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/LQBgtR73XxY70wD1vKPR_eiU0eEydxNICi9Eno8nRB4=452" rel="noopener noreferrer" target="_blank"><span>Sign Up</span></a>
|<span style="margin-right: 2px; margin-left: 2px;"><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fadvertise.tldr.tech%3Futm_source=tldrfintech%26utm_medium=newsletter%26utm_campaign=advertisetopnav/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/RbZCSdHxfjebODCCPAQejKYbVFFhT7wfl400CAl-9sY=452" rel="noopener noreferrer" target="_blank"><span>Advertise</span></a></span>|<span style="margin-left: 2px;"><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fa.tldrnewsletter.com%2Fweb-version%3Fep=1%26lc=aa509116-be20-11f0-8093-572e50e18fb2%26p=32f1c3a0-d12b-11f1-9490-dfabe59676c3%26pt=campaign%26t=1793022493%26s=20e1f8d35007042690b914e142ee6292d3c35ef165d88d975e41b5bc484afdae/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/3CUq1DLkV9ksVWgNJVUWvj37MXRr7ZG5aeAEIHmVIY0=452"><span>View Online</span></a></span>
<br>
</span></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="text-align: center;"><span data-darkreader-inline-color="" style="--darkreader-inline-color:#3db3ff; color: rgb(51, 175, 255) !important; font-size: 30px;">T</span><span style="font-size: 30px;"><span data-darkreader-inline-color="" style="color: rgb(232, 192, 96) !important; --darkreader-inline-color:#e8c163; font-size:30px;">L</span><span data-darkreader-inline-color="" style="color: rgb(101, 195, 173) !important; --darkreader-inline-color:#6ec7b2; font-size:30px;">D</span></span><span data-darkreader-inline-color="" style="--darkreader-inline-color:#dd6e6e; color: rgb(220, 107, 107) !important; font-size: 30px;">R</span>
<br>
</td></tr></tbody></table>
<br>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr id="together-with"><td align="center" height="20" style="vertical-align:middle !important;" valign="middle" width="100%"><strong style="vertical-align:middle !important; height: 100%;">Together With </strong>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fvirtual.ramp.com%2Fchatgpt-workflows%2F%3Futm_source=tldr%26utm_medium=3P-email%26utm_campaign=webinar-q4-chatgpt-workflows-q4fy26%26utm_content=fintech_header_live_masterclass_chatgpt%26utm_term=2026-10-26_tldr_fintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/QjeS4WLBpfzu4mpv9i2zEEv_Z6wZV6QNG8dLbRAR1aM=452"><img src="https://images.tldr.tech/ramp.png" valign="middle" style="vertical-align: middle !important; height: 100%;" alt="Ramp"></a></td></tr></tbody></table>
<table style="table-layout: fixed; width:100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;">
<div style="text-align: center;">
<h1><strong>TLDR Fintech <span id="date">2026-10-26</span></strong></h1>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width:100%;" width="100%"><tbody><tr id="sponsy-copy"><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fvirtual.ramp.com%2Fchatgpt-workflows%2F%3Futm_source=tldr%26utm_medium=3P-email%26utm_campaign=webinar-q4-chatgpt-workflows-q4fy26%26utm_content=fintech_header_live_masterclass_chatgpt%26utm_term=2026-10-26_tldr_fintech/2/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/PZ7ipI1SeCZUqqlxeQ9E7gfG7bAHSlDzyXRJbZsjz_U=452">
<span>
<strong>Live Masterclass: ChatGPT Workflows for Finance (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Using ChatGPT Work is a golden opportunity for finance & accounting teams. Most are still sleeping on it.<p></p><p>On November 9th, Founder of AI Finance Club Nicolas Boucher is hosting a live <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fvirtual.ramp.com%2Fchatgpt-workflows%2F%3Futm_source=tldr%26utm_medium=3P-email%26utm_campaign=webinar-q4-chatgpt-workflows-q4fy26%26utm_content=fintech_body_intro_masterclass_chatgpt_work%26utm_term=2026-10-26_tldr_fintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/gfvfih17ogodyalnxJ6eWf8-_NQ1A7Co2a38asJtNx4=452" rel="noopener noreferrer nofollow" target="_blank"><span>Masterclass on ChatGPT Work</span></a>.</p>
<p>Nicolas will show you how to hand real-world work to AI, and get back completed spreadsheets, documents, or reports - on a schedule. By the session end, you'll know how to:</p>
<ul>
<li><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fvirtual.ramp.com%2Fchatgpt-workflows%2F%3Futm_source=tldr%26utm_medium=3P-email%26utm_campaign=webinar-q4-chatgpt-workflows-q4fy26%26utm_content=fintech_body_outro_create_ai_teammate%26utm_term=2026-10-26_tldr_fintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/Y1Dw4dxDWADjGZG5F2P49Im_AFxqlYudO9zezpULzpw=452" rel="noopener noreferrer nofollow" target="_blank"><span>Create an AI teammate</span></a> that handles time-consuming, recurring work</li>
<li>Automate tasks and workflows on a schedule</li>
<li>Get your agent to self-improve on a loop!</li>
</ul>
<p>1-hour workshop, hundreds of hours saved. <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fvirtual.ramp.com%2Fchatgpt-workflows%2F%3Futm_source=tldr%26utm_medium=3P-email%26utm_campaign=webinar-q4-chatgpt-workflows-q4fy26%26utm_content=fintech_cta_save_spot%26utm_term=2026-10-26_tldr_fintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/xjz1PzAJ5ibFBqRNx5p7pcIUvsZT4Q2d_38A2hv4-q4=452" rel="noopener noreferrer nofollow" target="_blank"><span>Save your free spot</span></a>
</p>
</span></span></div>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr>
<tr bgcolor=""><td class="container">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td style="padding: 0px;">
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">π±</span></div></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>News & Trends</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.theinformation.com%2Farticles%2Framp-investors-went-nuclear-airwallex-doomed-deal%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/FCz048iCDu8I6urbY93hWSIz_hwbpwF53xUEPuz8KHw=452">
<span>
<strong>Ramp-Airwallex partnership reportedly collapsed as competition intensified (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
A proposed partnership between Ramp and Airwallex to strengthen Ramp's international payments capabilities reportedly fell apart in April 2025 after Airwallex investors pushed CEO Jack Zhang to compete with Ramp instead. Ramp co-founder Eric Glyman reportedly tried to salvage the deal and later warned that the relationship between the two fintechs could become less friendly as they moved toward more direct competition.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FVE4qmY/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/8QkbFMx8Y4cUhCWS-wKm89DgrqnyG8annvion8LbgF0=452">
<span>
<strong>Barclays to slash 5,000 jobs in AI-powered cost-cutting drive (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Barclays plans to eliminate roughly 5,000 positions, about 5% of its workforce, as automation and AI reduce support costs, with developers among the functions most affected. The bank has already cut around 1,000 roles and booked Β£201 million in third-quarter restructuring charges.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.americanbanker.com%2Fpayments%2Fnews%2Famex-touts-ai-plans-5-downsizing%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/68Xvtuksqn-wYjh7ykr_0zdqDDUDXcGBJKOmge6Baws=452">
<span>
<strong>American Express touts AI, plans 5% downsizing (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
CEO Steve Squeri framed the restructuring as a way to remove management layers and speed up decisions, without directly attributing the job cuts to automation. The company is also automating expense reports, preparing a payroll system for early 2027, and developing protections for purchases made by AI agents.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2Fhcf21C/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/chF929rMotMyVk_xcmOSZhG5TcgAjchATOl7LCXlKps=452">
<span>
<strong>Sam's Club picks Affirm for BNPL (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Affirm today announced an exclusive, multi-year collaboration with Sam's Club that will give eligible shoppers a clear, predictable way to pay over time. Affirm will be available on SamsClub.com in the coming weeks, with Affirm planning to expand availability to Sam's Club locations in 2027.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">π</span></div>
</div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>Deep Dives & Reports</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Famex-american-express-shrink-workforce-ai-squeri%2F833853%2F%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/QQXFrzzX9JBfofIuLk4wp-9B0FUhkBHVl0bJ8isqR0s=452">
<span>
<strong>Amex to shrink workforce as it adjusts to AI and rising competition (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
American Express plans to cut about 3,500 jobs, roughly 4.5% of its workforce, as CEO Stephen Squeri pushes for faster decision-making, higher productivity, and a leaner operating model. Amex also plans to deploy more AI agents across its commercial and consumer products as competition intensifies from JPMorgan, Visa, Mastercard, Ramp, and Capital One-owned Brex.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.newcomer.co%2Fp%2Fmercury-crosses-1-billion-annualized%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/CwmCn8_XK6z-O2fv0Lnu-pAIAJHWjgS7NhbGtsGbIds=452">
<span>
<strong>Mercury Crosses $1 Billion Annualized Revenue (53 minute podcast)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Mercury went from $500M in 2024 rev to a $650M run-rate in September 2025, and is now growing ~50% year over year. Customer growth keeps accelerating: +40% in 2024, +50% in 2025, then 300K to 450K+ in under 10 months. Although some of this is helped by the average customer size getting smaller/going more mass market.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">π»</span></div>
</div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>Launches & Products</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fstripe.com%2Flp%2Fcard-issuing-use-cases%3Futm_campaign=T0tyC29BWZ4HbAsB5KF6b71TN/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/2739YyuyxBgPl_Ov1_LXyY9a6GIkiLHKj0D8YcRDTeU=452">
<span>
<strong>How companies are using Stripe Issuing to drive growth (Sponsor)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fstripe.com%2Flp%2Fcard-issuing-use-cases%3Futm_campaign=T0tyC29BWZ4HbAsB5KF6b71TN/2/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/Nsv289IRsDVTfavcSLm0EJbWNbM7ITMRe9OtKB-6Z_M=452" rel="noopener noreferrer nofollow" target="_blank"><span><strong>Emburse has issued more than 1.6 million cards</strong></span></a><strong> </strong>across 22 countries with Stripe Issuing, while reducing new-user approval time from more than a week to as little as a day.
<p></p>
<p><a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fstripe.com%2Flp%2Fcard-issuing-use-cases%3Futm_campaign=T0tyC29BWZ4HbAsB5KF6b71TN/3/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/UIVGVAkMOP7cTZvNmtifUEAWBEgqxMM_CjeK3xRb_QU=452" rel="noopener noreferrer nofollow" target="_blank"><span><strong>Read the report</strong></span></a>
</p>
</span></span></div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftechcrunch.com%2F2026%2F09%2F28%2Fmavi-bets-on-the-ai-boom-creating-demand-for-a-new-kind-of-accountant%2F%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/XLh8kPMQwI5LC125060upNECxnWxyJB0tFGvn8q85yA=452">
<span>
<strong>MAVI bets on the AI boom creating demand for a new kind of accountant (3 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
MAVI is a marketplace that helps US companies hire global finance professionals who can integrate automation into workflows and catch errors in its output. It focuses on full-time, mid- and senior-level roles, handling cross-border contracts, compliance, and payroll. The startup has more than 3,000 accounting professionals on its platform.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.meshpay.com%2Fblog%2Fmesh-x-visa-spend-crypto-stablecoins-at-175m-merchants%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/RpsYLmv5n3j6n7dAe5ebI17xYphhGxcV7L23ebkC5hM=452">
<span>
<strong>Mesh and Visa Partner to Make Crypto and Stablecoin Balances Spendable at 175M+ Merchants (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Mesh and Visa have partnered so people can spend crypto and stablecoin balances straight from their wallet apps at more than 175 million Visa merchant locations in 200+ countries and territories, in-store and online, without a separate card or preloading funds
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FIGv6uU/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/gBgw4wJ37lD3VatPMgLMWUBY0NxORZ_L1faUwRmg5TE=452">
<span>
<strong>HSBC launches first stablecoin (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The coin is available in Hong Kong through the bank's PayMe channel, a P2P network for Hong Kong consumers. The 3.3 million users of PayMe will be able to make payments to friends and merchants and, in the near future, will be able to invest in tokenised assets. RedCoin is licensed and regulated by the Hong Kong Monetary Authority and is HKD-denominated.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">π</span></div></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><strong><h1>Miscellaneous</h1></strong></div>
</div>
</td></tr></tbody></table>
<table bgcolor="" style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fthedefiant.io%2Fconverge%2Fregulation%2Fsec-adds-tokenization-to-2027-examination-priorities%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/9XiL-qFbMLIdcrG6U18CweyNfnQA3w7Ojmfr2qnzWOU=452">
<span>
<strong>SEC adds tokenization to 2027 examination priorities (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
The SEC's Division of Examinations added tokenization to its fiscal 2027 priorities, with clearing agencies and Regulation SCI entities facing greater scrutiny around tokenized securities and related market-infrastructure risks. The move does not create new rules, but signals that tokenization is becoming part of mainstream securities oversight as regulators examine how blockchain-based infrastructure affects clearing, recordkeeping, operations, and market integrity.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.bankingdive.com%2Fnews%2Fciti-takes-cautious-approach-ai-agent-access%2F833849%2F%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/lq1Lf8Wb2degdWUKRiPYPu31M7bW5c7dPVo5WhYQWD0=452">
<span>
<strong>Citi takes cautious approach on AI agent access (6 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Citi is blocking external AI agents from transacting inside customer accounts for now, allowing only limited read-only open-banking access while it develops βknow your agentβ controls around identity, authorization, entitlements and regulatory compliance. At the same time, Citi is expanding internal AI across onboarding, document processing, client chat, and embedded banking, showing a split strategy: move quickly with controlled in-house AI, but slowly with third-party agents that can take financial actions.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FCCVYHP/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/wklD2LwHZtljTJwU1KxZek4wx6fzcw7wjV5m0c9-lS4=452">
<span>
<strong>Netanyahu rebuked for plan to use crypto to bypass economic sanctions (2 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
On October 25, Israel's central bank rejected Prime Minister Benjamin Netanyahu's suggestion that cryptocurrency and blockchain could protect the economy if foreign sanctions reached its banking system. More than 100 economists warned the strategy would not preserve access to trading partners and could instead accelerate capital flight, unemployment, and financial isolation
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;"><span style="font-size: 36px;">β‘</span></div></div>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding-top: 0px; padding-bottom: 0px;">
<div class="text-block">
<div style="text-align: center;">
<h1><strong>Quick Links</strong></h1>
</div>
</div>
</td></tr></tbody></table>
<table bgcolor="" style="table-layout: fixed; width: 100%;" width="100%"><tbody><tr><td style="padding:0;border-collapse:collapse;border-spacing:0;margin:0;" valign="top">
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2Fsrvvif/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/NkKAORfWubu-0a-KeKtO96TqExYYj3_e_i_wsM6_uLQ=452">
<span>
<strong>Instacart explores potential sale after talks with Uber and DoorDash (1 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Instacart is exploring a sale and has held preliminary discussions with potential buyers, including Uber and DoorDash.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.paymentsdive.com%2Fnews%2Fshopping-is-muses-top-task-meta%2F833817%2F%3Futm_source=tldrfintech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/Lj_rqBtDMjrtO_hA6uqZ61M_SJz-BJ1Onk8ndQHFE9c=452">
<span>
<strong>Shopping is Muse's top task, Meta says (4 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
Meta says shopping is the most common use case for its Muse personal AI agent.
</span>
</span>
</div>
</td></tr></tbody></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block">
<span>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Flinks.tldrnewsletter.com%2FWDkkKE/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/x8VtKbXeq_OFdP62Szpj5NagTIFv9Ow2Pm7fbgJe_hI=452">
<span>
<strong>US fintech Coast secures $35m for physical economy payments platform (5 minute read)</strong>
</span>
</a>
<br>
<br>
<span style="font-family: "Helvetica Neue", Helvetica, Arial, Verdana, sans-serif;">
New York-based startup Coast has raised $35m for the launch of a payment platform designed to support companies working in the physical economy.
</span>
</span>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td align="left" style="word-break: break-word; vertical-align: top; padding: 5px 10px;">
<p style="padding: 0; margin: 0; font-size: 22px; color: #000000; line-height: 1.6; font-weight: bold;">
Want to advertise in TLDR? π°
</p>
<div class="text-block" style="margin-top: 10px;">
If your company is interested in reaching an audience of fintech professionals and decision makers, you may want to <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fadvertise.tldr.tech%2F%3Futm_source=tldrfintech%26utm_medium=newsletter%26utm_campaign=advertisecta/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/iKnRYNcXkSXC5clZRHXKoMJ1NNd3UIZWfd12pSwzauc=452"><strong><span>advertise with us</span></strong></a>.
</div>
<br>
<!-- New "Want to work at TLDR?" section -->
<p style="padding: 0; margin: 0; font-size: 22px; color: #000000; line-height: 1.6; font-weight: bold;">
Want to work at TLDR? πΌ
</p>
<div class="text-block" style="margin-top: 10px;">
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fjobs.ashbyhq.com%2Ftldr.tech/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/6bG1opFkaN9U7N20AzJSihXPoOclQHsmvsEmdJxJqm0=452" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>Apply here</strong></a>,
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fjobs.ashbyhq.com%2Ftldr.tech%2Fc227b917-a6a4-40ce-8950-d3e165357871/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/oS1yizx7ERUFgAteIglwHe84wMVzUJYVz5mQmqT1xVk=452" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>create your own role</strong></a> or send a friend's resume to <a href="mailto:jobs@tldr.tech" style="color: #0000EE; text-decoration: underline;">jobs@tldr.tech</a> and get $1k if we hire them! TLDR is one of <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Ffeed%2Fupdate%2Furn:li:activity:7401699691039830016%2F/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/E8DPtg-74OtVa46S6VfFXNR3F-r-DtAAd8fjkImi098=452" rel="noopener noreferrer" style="color: #0000EE; text-decoration: underline;" target="_blank"><strong>Inc.'s Best Bootstrapped businesses</strong></a> of 2025.
</div>
<br>
<div class="text-block">
If you have any comments or feedback, just respond to this email!
<br>
<br> Thanks for reading,
<br>
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Frachitakumar%2F/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/WGtWuKkAK3VFLr6_Wdbn7hoZLnUu5bWvO5A89IU_EKM=452"><span>Rachita Kumar</span></a>, <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fcheungmatt%2F/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/t47xEwqajOlmOatRU4-3xHHZGFsTt0BGHzlNJevoJAE=452"><span>Matt Cheung</span></a> & <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fwww.linkedin.com%2Fin%2Fgabrielsundaram%2F/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/BCzVr2fKMAK_QYMUXWThc0bvST_nOSdcz5reoniykJE=452"><span>Gabriel Sundaram</span></a>
<br>
<br>
</div>
<br>
</td></tr></tbody></table>
<table align="center" bgcolor="" border="0" cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td class="container" style="padding: 15px 15px;">
<div class="text-block" id="testing-id">
<a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Ftldr.tech%2Ffintech%2Fmanage%3Femail=donut.sweater.23%2540rss.andrealin.it/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/ubJLmYKN9DOJaIbKfGD_mn3ldxS3uy5IGJ1c87eL1CA=452">Manage your subscriptions</a> to our other newsletters on tech, startups, and programming. Or if TLDR Fintech isn't for you, please <a href="https://tracking.tldrnewsletter.com/CL0/https:%2F%2Fa.tldrnewsletter.com%2Funsubscribe%3Fep=1%26l=a9f58246-0e2a-11ef-8572-09f6f474b7ba%26lc=aa509116-be20-11f0-8093-572e50e18fb2%26p=32f1c3a0-d12b-11f1-9490-dfabe59676c3%26pt=campaign%26pv=5%26spa=1793019648%26t=1793022493%26s=e2cc178f3e456c375f745f729a7228b1eaebfd289fad19cc6a7c4624c57d8569/1/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/IF4jNEiwnwwG2R_z18Hu4zzL1doPnfNf44WAuNr5DnY=452">unsubscribe</a>.
<br>
</div>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
</td></tr></tbody></table>
<img alt="" src="http://tracking.tldrnewsletter.com/CI0/010001a178780206-e5fc3f11-7fcc-4d09-b6c0-ef8e3083d12b-000000/NweVvG1ksS8ZXwJ3miADd77VFR6DVCE2z1CWhEaoGqA=452" style="display: none; width: 1px; height: 1px;">
</body></html>