Fintech’s moving fast. Nubank charges into the US with a national bank charter, Visa and Mastercard earnings reveal how consumers are really spending, and Washington stirs up drama with the Credit Card Competition Act. We also break down crypto’s coming-of-age moment — from Mesh hitting unicorn status to MoonPay turning compliance into a growth engine — and what it all means for the future of money.

Fintech’s juggling heart and hard policy. JPMorgan and Bank of America roll out baby investment accounts for employees, Fidelity launches its own stablecoin, and Washington wrestles with the high-stakes Clarity Act showdown. We break down what it all means for markets, regulation, and the future of money — minus the fog, plus a little happy hour flair.

Fintech’s moving fast—and regulators, AI, and crypto are all colliding. From New York’s crackdown on earned wage access to Mastercard’s agentic AI push, Bank of America’s Erica scaling quietly, and Tether’s made-in-America stablecoin debut, there’s a lot to unpack. Fin & Tech break down what it all means for innovation, incumbents, and the future of money—without the noise.

Payments are getting a serious upgrade. Affirm pushes BNPL straight into debit cards with Fiserv, applies for a banking charter, PayPal doubles down on agentic AI with its Cymbio acquisition, crypto payments get another swing from Square and Stripe, and Wyoming launches the first-ever state-issued stablecoin. Fin & Tech break down what it all means for banks, merchants, and the future of money — from checkout to the capitol.

Payments are heating up and compliance is tightening. Capital One scoops up Brex in a blockbuster fintech deal, Truist closes the book on a costly overdraft saga, a massive crypto scam marketplace collapses, and JPMorgan freezes stablecoin accounts tied to sanctioned markets. Fin & Tech break down what it all means for banks, builders, and the future of money — with a few sharp one-liners along the way.

Fintech keeps evolving — steadily, not loudly. Block passes $200 billion in lifetime credit with a data-driven lending model, Affirm pilots bi-weekly rent payments with Esusu, and Bermuda outlines a practical plan to bring parts of its economy onchain. Our hosts walk through what’s changing, what’s still experimental, and why these moves matter for borrowers, renters, and policymakers alike.

Banks are in the hot seat as Senate Democrats probe Venezuela-linked oil dealings, Trump floats voluntary “Trump cards” to cap credit rates, and the Fed hands MUFG a coveted primary dealer badge. Meanwhile, stablecoins edge closer to the checkout counter as Ingenico tests crypto payments at the point of sale. Fin & Tech break down what it all means for banks, politics, and the future of payments — with just enough gossip to keep things interesting.

Washington is stirring the pot. Trump floats letting Americans tap their 401(k)s for home down payments, escalates a public debanking fight with JPMorgan, and a Senate crypto bill unravels under pressure from bankers and Coinbase. Fin & Tech break down how politics, banking power, and stablecoins collided this week — and why the fallout could reshape the future of money.