In the world of Financial Services support, the stakes are high and your customers' information is extremely sensitive. Fin is the best-performing AI Agent for Financial Services support, delivering the highest-quality responses in 45+ languages for your customers all around the
world. Fin [5] resolves even the most complex queries like fraud claims, transaction disputes, account changes, and more.
And companies like Rocket Money, Crypto.com, and Consensys trust Fin to deliver always-on,
accurate, secure support. Check out customer testimonials [6].
Learn more about Fin [7], the AI Agent making perfect customer experiences possible.
Bumble is reportedly in advanced talks to be acquired by Ithaca Holdings in a deal valuing the dating-app company at roughly $1 billion, well above its $389 million market value before the report. The potential take-private comes as Bumble struggles with falling paying users, declining revenue, and weaker engagement among younger consumers, highlighting broader pressure across the online dating sector.
JPMorgan is blocking third-party AI agents such as Muse and Instinct from directly moving money or paying bills on behalf of retail customers, citing security, rogue-agent, and liability risks, while still allowing limited read-only access through open-banking connectors. At the same time, the bank is building its own agentic tools, including Smart Cash, which can forecast cash flow and move funds to improve yield, suggesting banks may prefer controlled in-house agents over unrestricted external access.
Ramp's Glass is an internal AI workspace designed to capture and reuse the best prompts, workflows, context, and operating knowledge created across the company instead of leaving them trapped in individual chat histories. Glass connects to systems like Slack, Notion, Linear, and Gong, supports shared sessions and reusable skills, routes work across models, and tracks cost by project. Ramp says the system cut its own AI bill by 30% while scaling workflows such as feature-request capture from roughly 300 to 20,000 per month.
Ramp SVP of Sales Max Freeman describes GTM as an operating system built around talent density, rigorous hiring, and automation. Ramp recruits unconventional sellers such as investment bankers and reps from high-growth, low-NPS companies, pairs that talent with structured onboarding and quota design, and uses internal engineering tools to automate prospect research, outbound, and pipeline workflows so reps spend more time selling.
AI agents will replace much of today's app and website interface, which means payments must also become “headless” and usable directly by software agents. The opportunity is in combining stablecoins, real-time settlement, embedded wallets, fiat connectivity, and card networks behind APIs that let agents hold and move money globally while enforcing permissions, limits, and liability rules.
John Collison sat down with Mark Zuckerberg and Alexandr Wang to discuss Meta's new frontier model, Muse Wonder, and the broader race to build leading AI systems. The conversation spans model development, Meta's willingness to invest $100 billion, agentic commerce, OpenRouter, new computing interfaces beyond smartphones, and Zuckerberg's view that AI will support multiple major winners rather than a single dominant platform.
Monzo raised $500M at a $4.5B valuation in late 2021, near the peak of fintech VC funding. Its last employee share sale last year nudged that to $5.9B. That's a 31% gain in three years, while annual revenue grew from £154M to the current £1.7B. Over the same period, competitor Revolut went from $33B in 2021 to $115B in a secondary sale this July, a 3.5x increase. That prices Revolut at roughly 19x its 2025 revenues vs. Monzo's 3x revenues.
Money 20/20 starts in just 3 days. While you're in Vegas to see where the future of commerce is headed [16], don't miss the Adyen Lounge at The Venetian. Drop by for ad-hoc 1:1 strategy sessions, get exclusive tech demos, and hear from customers. Stop in on a whim or connect now
Carta received Specialised PSF authorization from Luxembourg's CSSF, allowing it to provide licensed fund administration and transfer agency services for structures including SCSp, RAIF, SIF, and SICAR. The move extends Carta's private-capital ERP into one of Europe's largest fund domiciles, with fund administration, KYC, investor workflows, and private credit loan operations running on the same platform across global fund structures.
Splitwise, the platform that makes it easier to share expenses with friends and family, today announced Itemize, a new, collaborative way to split a bill from a photo. The free in-app feature allows one person to take a picture of a restaurant or bar receipt and quickly calculate each person's total, with proportional tax and tip included. Everyone at the table can claim their individual and shared items to keep the split fair, even if they don't have the Splitwise app installed.
Following its acquisition by Bending Spoons, Airtable is moving to a leaner operating model while refocusing the product around three priorities: faster improvements to the core platform, deeper AI and agent workflows, and stronger enterprise controls. Near-term plans include monthly customer-requested improvements, better performance and scale, upgraded Omni, Airtable Canvas, a stronger MCP, bring-your-own agents, agent permissions, audit logs, and tighter governance so Airtable can serve as a shared system of record for both people and AI agents.
Autonomous money management could weaken banks' grip on deposits as software moves funds in search of better returns. JPMorgan is restricting outside agents' access while piloting Smart Cash, its own tool for optimizing balances across internal accounts. The bank says productivity experiments are promising, but benefits from generative and agentic AI aren't yet visible in quarterly earnings.
For as long as card payments have existed, a human has been at the keyboard or the terminal, tapping a card, typing a PIN, and clicking buy now. That assumption is ending. A new class of AI agents is being built to shop, negotiate, and pay on our behalf. Your assistant reorders groceries when the fridge runs low. A travel agent books the whole trip the moment prices dip. A procurement bot restocks a warehouse without anyone signing off on each order.
The traditional distinction between checking and savings accounts no longer makes sense in modern fintech, especially when idle cash in checking earns nothing while prevailing short-term rates remain much higher.
Ecommpay, the inclusive global payments platform, has added Klarna, the everyday finance network, to its payment choices, giving merchants a simple way to offer millions of shoppers greater choice, transparency, and control at checkout.
Commercial payments, stablecoin backed cards and money movement — every new capability rides on the infrastructure beneath it. And that infrastructure must adapt with it.
Marqeta gives the world's most innovative companies a modern card issuing platform built to scale globally, adapt fast, and stay dependable as your ambitions grow, with seamless API integration, multi-currency support, real-time fraud detection, and the reliability high-volume programs depend on.
Revolut CEO Nik Storonsky says the fintech plans to build a full US digital banking offering, including credit cards and loans, as it competes with incumbents such as JPMorgan and American Express. He also expects AI and automation to reshape banking, with Revolut preparing to test AI agents that can shop and transact on behalf of customers.
Netflix will release “The Altruists,” a dramatized series about the collapse of FTX, on November 19, starring Anthony Boyle as Sam Bankman-Fried and Julia Garner as Caroline Ellison. The show focuses on their relationship and the effective altruism movement surrounding FTX, turning one of crypto's biggest scandals into a scripted Hollywood drama.
OpenAI has reportedly told investors that annualized revenue is approaching $50 billion, well below the roughly $70 billion figure previously circulated by investors attempting to compare the company with Anthropic. The discrepancy also highlights differing revenue definitions between the two companies, while raising more scrutiny around OpenAI's economics as it invests heavily in infrastructure and prepares for a potential IPO in 2027.
AI is changing finance software from tools that help teams manage work into systems that increasingly do the work themselves, pushing CFOs toward a new role as builders of the company's operating system. The AI-native finance organization is smaller and higher leverage, with continuous forecasting, finance engineers, agent-driven workflows, and stronger audit controls, while the CFO focuses more on designing what people versus software should do and less on manually collecting and reconciling data.
AI agents and programmable money are pushing financial value away from transaction processing and toward orchestration, identity, liquidity, compliance, and software. McKinsey estimates agentic AI could put $75 billion to $160 billion of payments revenue at risk by 2030, while Capgemini says $230 billion is already exposed across areas like FX spreads, correspondent fees, and float income. The emerging battleground is increasingly about who controls the intelligence that decides how money moves, whether that is a bank, fintech, software platform, or AI agent.
Bring ACH, wires, instant payments, checks, push-to-card, and stablecoins into your product with one API. With Modern Treasury, you get accounts, ledgering, payments, and compliance built in. See Modern Treasury's usage-based pricing and start building [11].
Powered by Gusto, the service lets eligible small businesses handle payroll, tax filings, and employee payments inside Chase Business Online, with next-day processing available to qualifying checking customers. The integration brings another essential workflow into Chase's platform while leaving the specialized payroll calculations and filings to its fintech partner.
Experian is building an FCRA-regulated layer that lets lenders incorporate permissioned bank-account activity into credit decisions, potentially helping thin-file and credit-challenged borrowers qualify. Experian says these insights can increase approvals by up to 25% without changing risk tolerance, while bringing consent, data aggregation, standardized reports, analytics, and its existing scoring tools into one ecosystem. The move puts Experian into closer competition with Plaid, Prism Data, Mastercard Finicity, and Nova Credit, even as Plaid remains one of its data partners.
The NFL urged the Supreme Court to review whether sports prediction contracts such as Kalshi's should be regulated as gambling by states or as swaps under exclusive CFTC jurisdiction, arguing that Dodd-Frank was not intended to federalize sports betting. The dispute has produced conflicting appeals-court rulings, while Kalshi argues its markets are federally regulated and protected by existing integrity controls, setting up a potentially important Supreme Court test of prediction-market regulation.
American Express National Bank was ordered to pay a $350 million penalty after the OCC found major deficiencies in its anti-money laundering program, including weak risk assessments and systemic failures in suspicious activity monitoring that regulators said involved roughly $13 billion of suspected money laundering activity over 10 years. The Federal Reserve separately issued a cease-and-desist order covering broader enterprise-wide AML issues, while Amex said the penalty will not affect its 2026 or 2027 guidance.
Capitolis raised $220 million in new financing at a $1.9 billion valuation, including a $120 million Series E led by Citi with participation from Bank of America, Nomura, Tradeweb, and several major global banks.
Bank of America, Citi, and Morgan Stanley are syndicating $42 billion of Broadcom-backed senior loans plus $18 billion of riskier junior debt to finance Anthropic's lease of Google-designed chips.
AI capabilities across banking improved nearly three times faster over the past year than the average of the previous three years, as deployment accelerated at a record pace.
Frontier AI has disrupted the standard cybersecurity model for financial services. Supply chain attacks are now occurring weekly, and the window to remediate CVEs before exploitation is collapsing. Chainguard partners with G-SIBs, fintechs, and investment firms to prevent malware, zero-days, and CVE exploits.
> 97.6% AVERAGE CVE REDUCTION with minimal, hardened artifacts built from source.
> 615K+ MALICIOUS PACKAGES BLOCKED in language dependencies, with backported fixes for critical CVEs.
> AUDIT-READY COMPLIANCE with SBOMs, Sigstore-signed artifacts, and full provenance.
Valon raised $150 million led by Ribbit Capital, with participation from Andreessen Horowitz and existing investors, after opening ValonOS to third-party mortgage servicers and signing more than $200 million of ARR within six months. The company says 1 in 6 US mortgages is now signed up to run on ValonOS, while its Ditto AI agent automates complex servicing work such as homeowner communications, escrow analysis, complaint research, and payment reallocations on top of a unified system of record.
Open finance fintech Plaid has unveiled AI models designed to help financial firms make better lending decisions, catch more fraud, and reduce payment risk. Plaid notes that millions of US adults fall outside of the traditional credit lens, making them difficult to evaluate with traditional scores alone. To help with this, the firm is tapping into cash flow data, which shows how people earn, spend, and pay their bills, giving lenders a fuller picture of their ability to repay.
Pine Labs, a global payments technology company, today announced a unified platform for merchants in Singapore that combines payment acceptance, acquiring, instalment payments, and customer engagement.
Stripe co-founder John Collison argues that AI agents will increasingly replace humans as the primary actors in online commerce, forcing Stripe to redesign its APIs and infrastructure for machine-driven transactions. He points to acquisitions including Bridge, Privy, Metronome, and OpenRouter as building blocks for this shift across stablecoins, wallets, usage-based billing, and model routing, while computer use provides a compatibility layer for agents to operate across today's web.
The CFTC proposed a framework that would let crypto exchanges register under a new federal “crypto asset market” regime, with leverage or margin serving as the main trigger for federal oversight while non-leveraged exchanges could remain under state licensing. The plan would also introduce broker, AML, proof-of-reserves, and market-manipulation standards, marking a shift toward formal rulemaking after the Clarity Act failed to advance in Congress.
With Cloudflare's latest launch, agents can now pay at request time rather than requiring subscriptions. The economics of software is changing by becoming the economics of tokens and inference. Intelligence acts upon data, and data is still gated all across different parts of the web. In order to be able to answer questions and book trips, robots need to query information and pull together a lot of disconnected context. Little tentacles will extend from our searches into machine brains, ready to purchase whatever mana is needed to fulfill our wish.
If you supply tech to firms that operate in EU finance services, DORA compliance is mandatory. The good news is that you can comply with DORA, NIST 800-53, and ISO 27001 with autonomous AI agents in production using one platform. Teleport [12] offers a helpful DORA
Modern Treasury applied to the OCC to create a limited-purpose national trust bank that would add federally supervised digital asset custody and related fiat services to its existing payments platform. If approved, customers could custody and move both stablecoins and fiat through an integrated setup, while the proposed bank would remain separate from Modern Treasury's software business and would not make loans or issue stablecoins.
Stuut connects to accounting, banking, sales, and payment systems so its AI agents can pursue collections, resolve invoice disputes, and match incoming cash rather than merely flagging work for employees. The October 7 round, led by Insight Partners with Andreessen Horowitz and Microsoft's M12 participating, brings total funding to $93 million as the company expands from receivables into credit, lending, and cross-border payments.
Privy CEO Henri Stern is expanding his role to lead crypto and stablecoins at Stripe, with a focus on building an open, global developer platform that connects wallets, fiat rails, cards, asset issuance, and stablecoin infrastructure. His roadmap centers on practical business use cases, seamless fiat-crypto interoperability, end-to-end products, open modular systems, and compliance, positioning Stripe to make stablecoins easier for mainstream fintechs and enterprises to adopt without rebuilding their entire stack.
As agentic commerce and HTTP 402 (“x402”) payments draw more attention, executives and risk teams keep asking for one number: how much have AI agents lost by paying the wrong party? After compiling sourced items for the Agent Payment Risk Index 2026, the honest answer is that confirmed production-loss totals are still scarce—none of the indexed sources establishes one.
Banks have taken meaningful steps of late to incorporate stablecoins into their institutional payment strategy as pressure intensifies for faster cross-border settlement.
In less than two weeks, you'll be landing in Vegas for Money 20/20. When you're out there, you'll definitely want to drop by the ADYEN LOUNGE at THE VENETIAN:
→ See where the future of commerce [5] and money movement [6] is actually headed
→ Access exclusive tech demos and real-world merchant insights
→ Have ad-hoc, 1:1 strategy sessions with executives and tech leaders at Adyen