Opinion

Editorial opinions and perspective on Fintech.

Senator Warren Asks Big Tech Firms, AI to Disclose Tax Breaks

Senator Elizabeth Warren and other Democrats are targeting big tech once again, as they have sent a missive to the CEOs of firms Amazon, Meta, Alphabet, and Microsoft, demanding that they share any tax breaks that have been received as they build out their AI… Read More

95% of Enterprise GenAI Pilots Deliver No Measurable Return, Oradian Says

Banking software provider Oradian says banks need to overhaul their core technology infrastructure to move generative artificial intelligence from experimentation to production, as most enterprise AI pilots fail to generate measurable returns. Oradian, citing data from MIT’s Project NANDA 2025 report, said 95% of enterprise… Read More

Nubank’s Monzo Takeover Discussions Highlight How Digital Banks Are Scaling and Why Incumbents Still Dominate

Brazil’s digital banking platform Nubank (NYSE: NU) is said to currently be holding early conversations about a possible purchase of UK’s Monzo, a move that would give the Latin American digital lender a ready-made platform in the United Kingdom and a foothold for wider European… Read More

Revolut Obtains Central Bank Approval to Acquire Banco Cetelem in Argentina

Revolut has secured a key regulatory milestone in Latin America after Argentina’s central bank approved its purchase of Banco Cetelem Argentina from BNP Paribas Personal Finance. The decision, announced by the London-based fintech on 24 September 2026, allows the company to complete a deal first… Read More

SEC Commissioner Hester Peirce Shares Departure Letter as She Moves on From the Commission

SEC Commissioner Hester Peirce, who has completed two terms at the nation’s securities regulator, will end her tenure at the beginning of next month. In a post on X, Commissioner Peirce shared a letter to President Donald Trump thanking him for the chance to serve… Read More

Securities and Exchange Commission to Adjust Accredited Investor Definition at Open Meeting

The Securities and Exchange Commission (SEC) has scheduled an open meeting next week to review several issues. Perhaps the most important for investors is a potential update to the definition of an Accredited Investor. In general, an Accredited Investor is someone who earns over $200,000… Read More

Strategy’s Michael Saylor Tells VC Jason Calacanis that Bitcoin Is Digital Capital, Not a Dead Format

Michael Saylor, executive chairman of Strategy (NASDAQ: MSTR), issued a concise public reply after venture capitalist Jason Calacanis posted a lengthy critique that treated Bitcoin as a technology whose cultural moment had passed. The comments appeared as the cryptocurrency recovered toward the $80,000 level. Calacanis… Read More

Perspective: SPACs Are the New Microcap IPO

For most of the last decade, the SPAC debate has been framed as SPACs versus IPOs, as if a company picks between two comparable routes to the public markets. The market is no longer organized that way: traditional equity capital markets have concentrated in larger,… Read More

People Will Switch from Local Currencies to Dollars as Stablecoins Become More Prominent: Report

Silicon Valley Bank and Sphere Labs have jointly published a report, called Runaway Dollarization, on dollar-based payment stablecoins- effectively, regulated digital dollars. The thesis is that the growth of digital dollars will boost dollarization in a positive way while also reducing reliance on local currencies… Read More

What? No CLARITY? Bitcoin Rockets Higher, Crypto Adjacent Firms Join Rally

Bitcoin bulls are celebrating today as the world’s most popular crypto moves higher. Currently, $BTC is up by over 5%, topping $85,000 for the first time since last January. Last week, the CLARITY Act, crypto market infrastructure legislation, failed in the Senate on a cloture… Read More

BitMEX Co-founder Arthur Hayes Calls the CLARITY Act Irrelevant as Bitcoin (BTC) Price Reclaims $81,000 After Fed Hike

Arthur Hayes, the BitMEX co-founder who now leads Flop Labs and serves as chief investment officer at Maelstrom, used Bitcoin’s rebound above $81,000 to argue that Washington’s latest market-structure bill was never the real catalyst. In his telling, crypto did not need the Digital Asset… Read More

Bitwise CIO Matt Hougan Says CLARITY Act Setback Unlikely to End Bitcoin and Crypto Bull Run

Bitwise Chief Investment Officer Matt Hougan now argues that the Senate’s failure to advance the CLARITY Act is unlikely to halt the cryptocurrency rally that began in early July. In a September 16 memo, he recast the legislative setback as a temporary obstacle rather than… Read More

Innovation Exemption: Tokenization Firms Welcome SEC’s Rules on Digital Securities

A seismic shift for global finance as the US regulator brings the $75 trillion plus US equity market into the digital age As the tokenization market is predicted to quickly top trillions of dollars in securities within a few years, global participants in the tokenization… Read More

The CLARITY Act: “Firms still do not have a clear answer on how some digital asset products will be classified or which rules apply”

CI has received dozens of comments about the US Senate’s failure to advance the CLARITY Act. The legislation would have protected consumers while enabling innovation with defined regulatory oversight. This common-sense approach was crushed by midterm politics and the Democratic Party’s refusal to give Republicans… Read More

Group of Senate Democrats Issue Statement on the CLARITY Act, Say they Are Committed to Passing Crypto Legislation

A group of seven Democratic senators issued a statement declaring their support for the CLARITY Act after voting against the bill this week, effectively killing it for now. Senators Kirsten Gillibrand, Angela Alsobrooks, Cory Booker, Catherine Cortez Masto, Ruben Gallego, Mark Warner, and Raphael Warnock stated: “Democrats… Read More

Federal Reserve Raises Rates by 25 BPS, Yields Rise, Markets Drop

The US Federal Reserve‘s Federal Open Market Committee (FOMC) voted unanimously to raise benchmark rates by 25 basis points. The move was widely expected, but market indices took the news poorly, with most sectors closing down for the day. At the same time, yields of… Read More

White House Digital Asset Lead the CLARITY Act Debacle: “A Failure of American Leadership,”

  The dust has yet to settle on the failed vote in the US Senate that would have advanced the CLARITY Act to a vote for future consideration. The vote was a procedural move for cloture, which would have established sufficient support to avoid a… Read More

Cloture Vote on the CLARITY Act Fails in the Senate

The cloture vote on the CLARITY Act failed in the Senate, as supporters fell short of the 60 votes needed to open debate on the legislation. The final tally was disappointing as several Republican senators, including Senators Hawley, Collins, and Moran, typically more supportive of… Read More

If The CLARITY Act Does Not Become Law It Would Be Terrible For The US

With a cloture vote scheduled for today and market participants hopeful the bill will move forward, the CLARITY Act, crypto market infrastructure legislation, continues to have a dim outlook on prediction markets that the bill will be approved. Kalshi currently has just a 33% expectation that… Read More

Everyone is Talking About How Silly the Banking Industry Looks Because of the FUD on Stablecoin Yield

Mr. Potter Banker Banking (1)

FUD, or fear, uncertainty, and doubt, can effectively influence individuals’ hearts and minds. The unknown can lead to risk, and the possibility of something bad happening, even when the probability is low, can drive decisions. FUD is what the banking industry has leveraged to strip… Read More

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