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Understanding Yield Farming: Crypto Passive Returns in DeFi

Yield farming has become one of the most talked-about ways to earn in crypto. But for many, the concept still feels confusing or inaccessible. To take part effectively, it is important to begin by understanding yield farming. What it is, how it works, and the risks involved. At its core, yield farming refers to earning rewards by supplying crypto assets to decentralised finance (DeFi) protocols. These rewards often come in the form of interest, incentive tokens, or a share of protocol revenue. In return, the user contributes liquidity that powers DeFi platforms. In this article, we break down the fundamentals of yield farming, the key mechanics, and what beginners should know before getting started. What Is Yield Farming in Practice? Yield farming is typically done by depositing tokens into liquidity pools on decentralised exchanges (DEXs) or lending protocols. These pools allow others to trade, borrow, or use assets — and farmers earn a portion of the fees or receive additional tokens for participating. For example, a user might provide USDC and ETH to a Uniswap pool. In return, they earn trading fees and may also receive governance tokens like UNI. Other platforms, such as Aave or Compound, reward lenders with interest and native tokens for supplying assets. Photo by Anton Atanasov on Pexels.com Because DeFi is decentralised, the entire process is permissionless. Anyone with a compatible wallet can farm yields without going through a bank or intermediary. Why People Use Yield Farming Yield farming became popular because it offers potentially higher returns than traditional savings accounts or staking alone. In many cases, protocols offer annual percentage yields (APY) that range from 5% to well over 100%, depending on the platform, token pair, and incentives. Furthermore, yield farming supports a wide range of strategies. Users can farm stablecoins, volatile pairs, or even exotic tokens. Some use automated tools or aggregators to maximise returns with minimal manual effort. However, as we will see, high rewards often come with higher risks. Key Risks to Understand Although yield farming can be profitable, it is not without its dangers. Some of the main risks include: Impermanent loss: When prices change significantly, farmers can lose value compared to simply holding assets Smart contract risk: Vulnerabilities in code can lead to hacks or bugs that drain funds Protocol risk: Some projects may be unaudited, poorly managed, or designed with flawed tokenomics Market volatility: In fast-moving markets, even stablecoins can depeg or rewards can drop quickly Therefore, anyone exploring yield farming should begin small, use reputable platforms, and always read documentation before depositing funds. Photo by David McBee on Pexels.com Where Yield Farming Happens Today, most yield farming takes place on Ethereum-compatible networks, including: Ethereum Mainnet: Still the largest ecosystem, though gas fees are high BNB Chain: Popular for low-cost farming and accessible to beginners Polygon: Offers high-speed farming with low fees and strong DeFi support Avalanche and Fantom: Attract farmers with high APYs and fast transactions Arbitrum and Optimism: Layer 2 networks growing rapidly in TVL and dApp activity Yield farming is expanding to other chains like Solana and Cosmos, though cross-chain compatibility is still developing. Understanding yield farming is the first step to making informed decisions in DeFi. While the rewards can be attractive, they must be weighed against technical complexity and market risk. The post Understanding Yield Farming: Crypto Passive Returns in DeFi appeared first on Fintech Review.

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What the Trade War Means for Global Fintech

The intensifying trade tensions between major economies, particularly the United States and China, are reshaping industries far beyond manufacturing and commodities. Financial services, and fintech specifically, are increasingly caught in the crossfire. As the trade war expands into technology, data, and finance, global fintech finds itself facing new challenges, regulatory pressures, and unexpected openings. Understanding what the trade war means for fintech requires looking beyond tariffs. The battle is not just about goods, but about infrastructure, influence, and the future of digital commerce. For fintech founders, investors, and policy-makers, this environment demands agility, creativity, and a new strategic outlook. Rising Barriers to Cross-Border Expansion One of the first effects of the trade war on global fintech is the increase in barriers to international expansion. In the past, fintech companies could often move across borders relatively freely, building customer bases and partnerships without heavy political risk. Now, tighter scrutiny on cross-border data flows, payment systems, and investment is becoming the norm. Countries are introducing new data localisation laws, restrictions on foreign ownership in financial services, and security reviews for inbound fintech investment. For example, Chinese fintech giants like Ant Group and Tencent have faced growing difficulties expanding into the US and Europe. Meanwhile, American fintechs encounter obstacles entering markets aligned with China’s economic sphere. Startups from smaller economies may find themselves forced to choose sides, limiting their addressable markets. Increased Emphasis on Localisation and Compliance To navigate the geopolitical divide, fintech companies must invest heavily in local compliance, partnerships, and infrastructure. Operating a global platform from a single hub is increasingly risky. Instead, successful fintechs are building localised models: setting up regional subsidiaries, forming joint ventures, and aligning closely with local regulatory frameworks. Open banking standards, digital ID requirements, and licensing regimes differ sharply between jurisdictions, requiring granular operational adjustments. This localisation trend benefits regional fintechs and infrastructure players that can offer expertise in local compliance and integration. It also makes finance more fragmented, reducing the dominance of single platforms across multiple markets. Supply Chain Disruptions Reach Financial Services The trade war’s impact on physical supply chains has well-documented effects, but the same dynamics are playing out in digital financial infrastructure. Payment rails, cloud services, cybersecurity providers, and core banking software are increasingly seen as strategic assets. Governments are encouraging or mandating the use of domestic infrastructure providers for sensitive sectors, including finance. This can affect fintech companies relying on cross-border cloud providers, international payment processors, or foreign-owned APIs. As a result, fintechs must assess their vendor dependencies more carefully, diversify critical infrastructure providers, and prepare for more stringent localisation demands even at the technology stack level. Trade War: Opportunities in Emerging Markets Despite the challenges, the shifting global landscape also creates new opportunities for fintech. Emerging markets in Southeast Asia, Latin America, Africa, and the Middle East are less entrenched in either major economic bloc and present fertile ground for growth. Countries in these regions are eager to modernise financial systems, promote digital inclusion, and attract fintech investment. Cross-border payment solutions, alternative lending platforms, digital wallets, and SME finance platforms are particularly in demand. Fintech companies able to adapt to diverse regulatory environments, partner locally, and deliver value to underserved markets may find that de-globalisation in the traditional sense does not stop global growth in fintech. It merely reroutes fintech services. Trade War: Fintechs Must Adapt Another major consequence of the trade war is the acceleration of digital sovereignty initiatives. Governments increasingly view control over financial data, payments infrastructure, and consumer identity as matters of national security. This has broad implications for fintech strategy. Open banking initiatives may become more protectionist. CBDC (Central Bank Digital Currency) projects are gaining urgency. Global stablecoin initiatives face intense regulatory hurdles. Fintechs need to future-proof operations by designing architectures that respect jurisdictional boundaries and by building strong frameworks for data protection, compliance, and interoperability. The age of frictionless global expansion for fintech is over. In its place, a more complex, multipolar financial landscape is emerging, shaped by geopolitics as much as by technology. Understanding what the trade war means for global fintech is not about predicting short-term tariffs, but about recognising a deeper realignment of financial infrastructure, governance, and opportunity. Those companies that stay agile, invest in local trust, and build flexible, resilient models will continue to thrive. Even in a divided world. The post What the Trade War Means for Global Fintech appeared first on Fintech Review.

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AI & Fintech: From Automation to Personalisation

Artificial intelligence is no longer a futuristic concept in finance, it is now a core driver of innovation across the industry. From underwriting loans to managing investments to preventing fraud, AI in fintech is reshaping the way financial services are designed, delivered, and consumed. Understanding how AI is impacting fintech is crucial for founders, investors, and finance teams looking to stay competitive in a rapidly evolving landscape. The integration of AI into fintech is not just about cost savings, it is about creating smarter, faster, and more personalised experiences for customers worldwide. Intelligent Automation Across Financial Operations One of the first areas where AI has made a significant impact is automation. Robotic process automation (RPA) combined with machine learning models has allowed fintech companies to streamline repetitive tasks such as customer onboarding, KYC verification, loan application processing, and transaction monitoring. Instead of manual document review, AI can verify identities, check compliance documents, and flag inconsistencies at scale, improving speed and reducing error rates. Chatbots and virtual assistants, powered by natural language processing (NLP), now handle millions of customer service inquiries across fintech platforms, reducing wait times and operational costs. This intelligent automation is freeing up human teams to focus on higher-value activities like relationship management, complex risk assessment, and strategic planning. AI & Fintech: Personalisation at Scale AI enables fintech companies to move beyond mass-market products toward deeply personalised financial experiences. Recommendation engines suggest tailored investment portfolios, budgeting tips, insurance options, and credit products based on individual behaviours and financial goals. For example, robo-advisors like Betterment and Wealthfront use AI algorithms to dynamically adjust investment portfolios based on market conditions and client risk profiles. Neobanks and personal finance apps analyse transaction data to offer proactive savings advice, debt reduction strategies, or customised rewards programmes. In lending, AI-driven models assess creditworthiness using alternative data sources such as cash flow, gig economy income, or even social signals, opening up financial access for underserved populations previously invisible to traditional scoring systems. Fraud Detection and Risk Management As digital finance grows, so do threats from fraud and cybercrime. AI is a powerful ally in defending fintech platforms against these risks. Machine learning models can detect anomalous patterns in real-time, flagging suspicious transactions, login attempts, or account behaviour before damage occurs. Unlike traditional rule-based fraud systems, AI models continuously learn from new data, adapting to evolving attack vectors without needing constant manual rule updates. This makes fraud prevention faster, more accurate, and more resilient. AI also enhances risk management in areas like anti-money laundering (AML), transaction monitoring, and regulatory reporting. Predictive analytics help institutions anticipate risk exposures and intervene early, improving overall financial system integrity. Democratizing Financial Advice AI is levelling the playing field for financial advice. Previously, personalised financial planning was accessible mainly to high-net-worth individuals. Now, digital advisors and AI-powered apps offer affordable, tailored advice to a much wider audience. Platforms like Cleo and Plum provide everyday consumers with budgeting assistance, micro-savings automation, and financial health insights, often for free or at low cost. As AI models become more sophisticated, their advice increasingly mirrors what human advisors might recommend. But delivered instantly, continuously, and without bias. This democratisation of advice is one of the most transformative effects of AI in fintech, helping millions take control of their financial futures with tools once reserved for the wealthy. AI & Fintech: Challenges and Ethical Considerations Despite its promise, AI in fintech also raises important challenges. Algorithmic bias is a serious risk if training data reflects societal inequalities. Models that deny loans or recommend investments unfairly could deepen existing financial exclusion. Transparency is another concern. Black-box AI models are difficult to audit and explain, which is problematic in highly regulated sectors like banking and insurance. Regulators are beginning to push for explainable AI standards to ensure accountability. Data privacy remains a critical issue. Fintech companies must balance leveraging data for smarter products with respecting customer consent and complying with regulations like GDPR and CCPA. Responsible AI development, bias mitigation strategies, and robust governance frameworks are essential to ensure that the benefits of AI are shared fairly and ethically. AI is not simply an add-on to fintech, it is becoming the foundation for a new generation of financial services. Faster, smarter, more inclusive, and more resilient. Companies that understand how to integrate AI thoughtfully and ethically will lead the next wave of innovation in finance. The post AI & Fintech: From Automation to Personalisation appeared first on Fintech Review.

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FBS Analysts Expect Market Recovery After Recent Bitcoin Decline

Singapore, Singapore, April 25th, 2025, FinanceWire FBS, a leading global broker, presents its latest market analysis exploring the recent Bitcoin downturn and the broader outlook for the cryptocurrency market in 2025. Despite a 28% price drop since the beginning of the year, FBS analysts suggest the current market phase is part of a broader correction and potentially an early stage of a strong rally. Following Donald Trump’s return to the US presidency in January 2025, optimism surged across crypto markets. However, heightened geopolitical tensions, particularly renewed trade war threats, caused a shift in investor sentiment. As long positions closed and volatility increased, Bitcoin faced a temporary decline. FBS experts point out that this pattern has been seen before. A similar drop occurred during Trump’s first presidency in 2018, followed by a strong recovery driven by monetary easing. The Federal Reserve’s anticipated rate cuts in 2025 could again provide fertile ground for crypto growth. Lower interest rates, a weakening dollar, and increased liquidity typically encourage investment in higher-risk assets like Bitcoin. Technically, Bitcoin continues to respect its long-term trendline. Positive signs, such as tariff easing talks with Japan, suggest market sentiment may soon shift. If the trend holds, FBS forecasts a return to key levels, with Bitcoin potentially testing $100 000 in the mid-term, and reaching up to $150 000 should liquidity conditions improve further. The altcoin market mirrors this potential. Though currently consolidating, the market cap of altcoins may recover from $810 billion back toward its previous high of $1.62 trillion as investor confidence returns. FBS analysts interpret recent market behavior as a measured correction within an overarching upward trend. They note that historical patterns, sustained institutional interest, and Bitcoin’s positioning as a “digital gold” asset contribute to perspectives on its long-term value. Readers can find more insights and expert forecasts in the full FBS analysis. To learn more about FBS, users can visit FBS.com.  Disclaimer: This material does not constitute investment advice and is intended for informational purposes only. About FBS FBS is a global brand that unites several independent brokerage companies under the licenses of FSC (Belize), CySEC (Cyprus), and ASIC (Australia). With 16 years of experience and over 100 international awards, FBS is steadily developing as one of the market’s most trusted brokers. Today, FBS serves over 27 000 000 traders and more than 700 000 partners around the globe.  Contact FBSpress@fbs.com The post FBS Analysts Expect Market Recovery After Recent Bitcoin Decline appeared first on Fintech Review.

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Impermanent Loss in Yield Farming: 5 Strategies To Adopt

Yield farming has become one of the most attractive aspects of decentralised finance. It offers crypto users a way to earn passive income by supplying liquidity to protocols that facilitate trading, lending, or other on-chain activities. However, one of the least understood and often underestimated risks of yield farming is impermanent loss. If you provide liquidity to an automated market maker (AMM) and the relative prices of the assets diverge, you might earn less than if you had simply held the tokens in your wallet. Understanding how to avoid impermanent loss in yield farming is essential for building a sustainable DeFi strategy. It requires a combination of asset selection, platform knowledge, active monitoring, and, in some cases, choosing more advanced protocols with built-in mitigations. In this article, we explore what impermanent loss is, why it happens, and what strategies can help reduce its impact without giving up the rewards that make yield farming attractive. What Is Impermanent Loss? Impermanent loss occurs when the price of one or both assets in a liquidity pool changes relative to the other. In most AMMs like Uniswap or PancakeSwap, liquidity is provided in equal value parts of two assets. If one token increases significantly in price, arbitrage traders will rebalance the pool by trading against it. As a result, the liquidity provider ends up holding more of the underperforming token and less of the appreciating one. The term “impermanent” refers to the fact that this loss only becomes permanent if and when the user withdraws their liquidity at the time of divergence. If prices return to their original ratio, the loss disappears. But if you withdraw while the tokens have diverged in value, you realise the loss compared to simply holding the tokens outside the pool. In practice, impermanent loss can range from negligible to severe. A 100% price increase in one asset relative to the other can result in over 5% loss compared to holding. If the price change is more extreme, the loss grows. This effect is not visible in your wallet balance but becomes clear once you compare your liquidity position’s value to the value of the same tokens if held separately. Strategy 1: Stick to Correlated or Stable Assets One of the most effective ways to mitigate impermanent loss is by providing liquidity to pools composed of assets that move in sync or have minimal price volatility relative to each other. Stablecoin pairs such as USDC/DAI or USDT/BUSD are prime examples. Because their prices remain close to 1:1, the risk of significant divergence is low. Another category includes synthetic tokens and wrapped versions of the same asset, such as ETH/stETH or BTC/wBTC. These tokens are often pegged or linked through underlying mechanisms, reducing the risk of divergence and therefore reducing exposure to impermanent loss. While these pools often offer lower trading fees or yield incentives compared to more volatile pairs, they provide more predictable performance. For users who prioritise capital preservation over high-risk, high-reward farming, these stable or correlated pairs are ideal. Strategy 2: Choose Protocols That Offer Impermanent Loss Protection A growing number of DeFi protocols have introduced mechanisms to reduce or offset impermanent loss. Bancor was the first to offer a protocol-level solution with its single-sided staking and compensation system. Users can deposit one asset, and if they remain in the pool for a minimum duration, the protocol gradually covers any impermanent loss. Thorchain offers a similar approach by subsidising LPs through block rewards, while other emerging protocols like Bancor 3 and Carbon Finance are building on these models. Some even combine rebalancing incentives with insurance-like coverage to shield LPs from volatility. These systems are still evolving and come with their own trade-offs. Such as protocol-specific risks, lock-up periods, or token exposure. But they represent important innovations in DeFi’s risk mitigation toolkit. Users interested in minimising loss while staying active in volatile pools should explore these options carefully. Strategy 3: Farm Protocol Incentives to Offset Impermanent Loss Many yield farms offer token rewards to compensate for risks taken by liquidity providers. These rewards are usually distributed in the form of governance or utility tokens and are added on top of trading fees earned from AMM activity. If the incentive rewards are high enough, they can more than make up for any impermanent loss incurred. For instance, if you provide liquidity to a volatile ETH/ALT pair and earn 60% APY in token incentives, you may still end the year ahead even if you suffer 10% in impermanent loss due to price divergence. This strategy does require careful evaluation. Protocol tokens may be volatile, and APYs can drop as more liquidity enters the pool. Ensure that you understand the risks of the reward token’s price collapsing or becoming illiquid. It’s also important to consider whether the rewards are vested, locked, or immediately claimable. Strategy 4: Use Concentrated Liquidity and Custom AMM Models Newer AMM designs offer more flexibility for liquidity providers. Platforms such as Uniswap v3, Algebra, and Arrakis allow you to concentrate your liquidity within a specific price range. Instead of providing capital across an entire curve, you can deploy it in a narrow band where most trading occurs. This concentrated approach increases fee efficiency and reduces exposure to unwanted price movements outside your range. If the asset stays within the selected band, you earn more fees with less capital and potentially less impermanent loss. However, if prices move outside your range, your position becomes inactive, and you stop earning. Protocols like Balancer allow asymmetric pools, such as 80:20 or 95:5 weightings, which let you stay more exposed to one token while still earning from the pool. These are particularly useful for users with a long bias on one asset but who want some additional yield. Strategy 5: Time Your Entries and Monitor Volatility Impermanent loss is more likely to occur during periods of high price volatility. If you enter a pool during relative market stability, the chance of extreme divergence is lower. Monitor token correlations and look for moments when both assets are trading within a predictable range. It also helps to time your exits. If you notice that the price divergence is increasing, but the trend looks temporary, it may make sense to delay withdrawal until the prices converge again. Remember, the loss is not locked in unless you exit while divergence is present. Using tools like DeFi Llama, APY.vision, and Token Terminal can help you track pool metrics and monitor your portfolio’s performance. You can also use backtesting tools to understand historical behaviour and estimate how much impermanent loss similar positions would have experienced over time. Final Thought: Managing Risk While Earning Yield Learning how to avoid impermanent loss in yield farming is essential for making smarter decisions in DeFi. The goal is not necessarily to eliminate the risk, but to manage it thoughtfully while continuing to earn meaningful returns. Whether you choose stablecoin pairs, protocol-protected pools, concentrated liquidity, or timing strategies, the key is to understand how impermanent loss fits into your broader risk-reward framework. The post Impermanent Loss in Yield Farming: 5 Strategies To Adopt appeared first on Fintech Review.

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Ares Joins the Borderless.xyz Network, Expanding Stablecoin Coverage Across South and Central America

New York, New York, April 24th, 2025, FinanceWire Borderless.xyz, a global payments infrastructure company enabling transactions through stablecoins and real-world assets (RWAs), is pleased to announce a strategic partnership with Ares, a leading DeFi infrastructure provider in Latin America. This collaboration significantly expands Borderless.xyz’s orchestration network across Central and South America, offering broader access to local payout rails via Borderless.xyz’s single-API platform. The integration delivers deeper liquidity, greater reliability, lower costs, and more flexibility when selecting counterparties. Kevin Lehtiniitty, CEO of Borderless.xyz, commented on the partnership: “Latin America is one of the fastest-growing markets for stablecoin payouts. Our customers are increasingly seeking coverage beyond the traditional remittance corridors. Ares delivers top-tier liquidity and competitive FX pricing across critical markets in Central America. Integrating their infrastructure into our network significantly improves our capabilities in Costa Rica, Panama, Paraguay, the Dominican Republic, Uruguay, El Salvador, and Guatemala—delivering faster speeds and lower costs to all users.” José Alberto (Beto) Díaz García, Co-founder of Ares, added: “At Ares, we’re focused on making local payouts programmable, compliant, and seamless. Joining Borderless.xyz’s global stablecoin network is a natural step forward as we work to enhance interoperability and efficiency. Together, we’re simplifying complex cross-border payment flows for businesses transacting across Latin America and beyond.” This collaboration marks another milestone in Borderless.xyz’s mission to unite the world’s leading stablecoin innovators under one network. By connecting diverse local rails into a cohesive global system, Borderless.xyz is making cross-border payments faster, simpler, and more cost-effective for all. About Borderless.xyz Borderless.xyz is a leading global payments infrastructure company designed to facilitate transactions using internet-native money, including stablecoins and real-world assets (RWAs). Covering more than 50 countries and 23 currencies, Borderless.xyz’s mission is to empower builders to create efficient money movement, deliver stable currencies to emerging markets, and drive the transition to on-chain banking. Borderless.xyz is backed by Amity Ventures, along with executives of leading companies such as Michael Shaulov of Fireblocks, Johnny Ayres of Socure, and Anton Katz of Talos. To learn more, users can visit https://borderless.xyz. About Ares Ares is a Latin American fintech specializing in DeFI infrastructure provider wallets, real-time payouts and FX conversion across Mexico, Central America, and South America. Through direct banking integrations and a unified API, Ares delivers near-mid-market rates, named local accounts, and instant settlement in more than a dozen regional currencies—all while maintaining rigorous compliance with local regulations. Trusted by payment processors, wallets, and global enterprises, Ares removes the complexity of cross-border disbursements so businesses can move value seamlessly throughout LATAM. Users can learn more at https://www.aresfin.co/. Contact Sarah CohenSJC PRsarah@sjc-pr.com The post Ares Joins the Borderless.xyz Network, Expanding Stablecoin Coverage Across South and Central America appeared first on Fintech Review.

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PrimeXBT Launches Stock Trading on MetaTrader 5

Castries, Saint Lucia, April 24th, 2025, FinanceWire PrimeXBT, a regulated multi-asset broker, has expanded its offering with the introduction of stock CFDs, allowing clients to trade shares of major global companies with greater flexibility. The move is part of a broader strategy to give clients access to more markets and asset classes within the same trusted trading environment. The expansion introduces some of the most sought-after US stocks, such as MicroStrategy (MSTR), Amazon (AMZN), and Tesla (TSLA), each commanding renewed attention due to major tech-driven narratives, from Bitcoin accumulation strategies and AI breakthroughs to the global EV race and robotics. These high-profile stocks are at the centre of fast-moving sectors that continue to drive market interest, offering traders exposure to timely opportunities and momentum-driven moves.  According to PrimeXBT, providing clients with streamlined access to global markets is core to its mission. By combining stock and crypto CFDs, forex, commodities, and indices all in one place, the broker offers greater freedom to build and manage diverse portfolios tailored to various strategies and risk preferences. All stock CFDs are available on MetaTrader 5 (MT5), the industry-standard platform, and on the PrimeXBT CFD trading platform. Clients can trade using crypto or USD as margin, providing more flexibility to act on opportunities across global equity markets. The broker supports both crypto and fiat deposits and withdrawals, offering international payment options like Neteller and Binance Pay that help clients manage their funds efficiently, wherever they are. Once funded, clients can also access the integrated exchange to quickly convert between supported assets such as USD, Bitcoin, and stablecoins, without needing to leave the broker’s environment. With a growing set of instruments and a clear focus on innovation, PrimeXBT continues to reflect its commitment to a more integrated trading experience, positioning itself as a competitive force in the multi-asset brokerage space, providing smarter ways to trade the world’s most in-demand markets. To learn more, users can visit the PrimeXBT website. About PrimeXBT PrimeXBT is a leading Crypto and CFD broker that offers an all-in-one trading platform to buy, sell, and store Cryptocurrencies, and trade over 100 popular markets, including Crypto Futures and CFDs on Crypto, Forex, Indices, and Commodities using both fiat and Crypto funds. Since its founding in 2018, PrimeXBT has grown exponentially, serving 1,000,000+ traders in 150+ countries worldwide. With an aim of making investing available to all, PrimeXBT lowers the barriers to entry, providing easy and secure access to the financial markets with industry-leading trading conditions and innovative tools. Clients engage with a regulated financial services provider recognized for its reliability and commitment to offering cost-efficient trading solutions. Disclaimer: The content provided here is for informational purposes only and is not intended as personal investment advice and does not constitute a solicitation or invitation to engage in any financial transactions, investments, or related activities. Past performance is not a reliable indicator of future results. The financial products offered by the Company are complex and come with a high risk of losing money rapidly due to leverage. These products may not be suitable for all investors. Before engaging, you should consider whether you understand how these leveraged products work and whether you can afford the high risk of losing your money. The Company does not accept clients from the Restricted Jurisdictions as indicated on its website. Some products and services, including MT5, may not be available in your jurisdiction. The applicable legal entity and its respective products and services depend on the client’s country of residence and the entity with which the client has established a contractual relationship during registration. Contact PrimeXBTpr@primexbt.com The post PrimeXBT Launches Stock Trading on MetaTrader 5 appeared first on Fintech Review.

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Fintech Stocks: Tracking the Growth Engines

Fintech is not just a sector, it is a major driver of value in the global markets. From digital payments to online lending, from crypto exchanges to personal finance platforms, fintech stocks reflect the rapid transformation of how money moves, grows, and is managed. For investors, fintech stocks offer both excitement and risk. They represent companies that are reshaping banking and finance, often at high speed and high volatility. Yet, beneath the headlines, these stocks tell a deeper story. One of structural change in the financial industry. In this article, we explore what fintech stocks include, why they matter to investors, and what trends are shaping their performance in 2025. What Are Fintech Stocks? Photo by energepic.com on Pexels.com Fintech stocks refer to publicly traded companies whose core business involves financial technology. These firms use digital tools to disrupt or improve traditional financial services, such as banking, insurance, investing, and payments. Examples include major players like PayPal, Block (formerly Square), SoFi, Robinhood, and Coinbase. Others include infrastructure providers such as Adyen and Marqeta, as well as niche companies focused on AI underwriting, robo-advisory, or embedded finance. Fintech stocks are listed on global exchanges, including NASDAQ, NYSE, and various international bourses. Some have achieved large-cap status, while others are still small or mid-cap growth stocks with high upside potential. As the sector evolves, the range of investable fintech companies continues to expand, offering exposure to different business models, regions, and technologies. Why Investors Watch Fintech Stocks Closely Fintech stocks attract attention because they sit at the crossroads of finance and technology, two of the most influential forces in the global economy. They often grow faster than traditional financial institutions, leveraging scale, automation, and low overheads. Investors are drawn to their disruptive potential. A successful fintech can acquire millions of users quickly, expand into new markets, and launch multiple products on a single platform. This makes them attractive for long-term growth portfolios. However, fintech stocks also tend to be more volatile. Their valuations are often based on future earnings potential rather than current profitability. As a result, they are sensitive to interest rates, regulation, and investor sentiment. Still, for those who can manage the volatility, fintech stocks offer access to the frontier of innovation in finance. Key Segments Within Fintech Stocks Photo by Burak The Weekender on Pexels.com The fintech stock universe includes several distinct categories, each with its own drivers and risk factors: Digital payments (e.g. PayPal, Adyen, Square): Focused on transaction volume and merchant adoption Neobanks (e.g. SoFi, Nubank): Competing with traditional banks on user experience and cost Crypto platforms (e.g. Coinbase, Galaxy Digital): Tied to digital asset volatility and regulatory clarity Lending platforms (e.g. Upstart, LendingClub): Use AI and data to assess risk and serve niche borrowers Infrastructure providers (e.g. Marqeta): Power the backend of fintech and banking services Wealthtech (e.g. Robinhood): Offering investing tools for retail or underserved segments By understanding these segments, investors can better diversify their exposure or focus on the areas with the most promise. Trends Shaping Fintech Stock Performance Several macro and sector-specific trends are influencing fintech stock valuations: Interest rate cycles: Higher rates can reduce borrowing and impact fintech lenders, but benefit deposit-based neobanks Regulation: New compliance standards for data sharing, crypto, and lending shape investor confidence Partnerships: Fintechs that collaborate with banks, retailers, or telcos often scale faster Profitability pressures: Investors are shifting focus from user growth to clear paths to earnings AI integration: Companies applying AI to fraud prevention, underwriting, and personal finance stand out Additionally, public market appetite for tech stocks more broadly influences fintech valuations. Sentiment around innovation, disruption, and risk will continue to play a major role. Risks and Rewards Photo by Pixabay on Pexels.com Investing in fintech stocks comes with both upside and uncertainty. On one hand, the addressable market is enormous. Financial services generate trillions in annual revenue. Fintech firms can capture this by doing things better, faster, and cheaper. On the other hand, competition is intense. Many fintechs operate in crowded spaces, face constant pricing pressure, and rely on complex regulatory environments. A single compliance issue or shift in consumer behaviour can impact growth. As such, fintech investors need to do their homework. Evaluating business models, cash flow trends, market positioning, and management capability is key to identifying the winners. Fintech stocks offer a way to invest in the future of finance. They are not just speculative plays, they are reflections of deep changes in how people bank, borrow, spend, and invest. For those who understand the sector, manage risk carefully, and take a long-term view, fintech stocks can be a compelling addition to a modern portfolio. The post Fintech Stocks: Tracking the Growth Engines appeared first on Fintech Review.

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Global Financial Crime Prevention Leader Feedzai Acquires Demyst to Break Down Data Silos and Accelerate Risk Decisions

New York, New York, USA, April 23rd, 2025, FinanceWire Sydney, Australia / Lisbon, Portugal / Feedzai, the global leader in fraud and financial crime prevention, today announced that it has acquired Demyst, including its Zonic data workflow orchestration platform, intellectual property, and sophisticated data-integration capabilities. This strategic move is part of Feedzai’s vision to unify data orchestration and risk management into a single platform, providing financial institutions with the real-time data, analytics, and trusted artificial intelligence they need to make the best possible risk decisions “There is no shortage of data in our industry — the trick is how to access the right data as quickly as possible so that you can accelerate risk decisions with the fewest consumer friction points,” said Nuno Sebastiao, Feedzai CEO and co-founder. “Demyst is a first mover and leader in accessing necessary data — internal or external — at the critical moment for any part of the user journey. Paired with Feedzai’s market-leading AI, this ensures every data point is fully utilised to drive smarter and faster decisions. More broadly, this acquisition marks a pivotal moment in continuing Feedzai’s evolution from a data consumer to a data provider.” Together, Feedzai and Demyst deliver: A unified AI platform that seamlessly integrates data at speed via orchestration with robust fraud and financial crime prevention measures. Strengthened RiskOps lifecycle with enhanced account opening capabilities, ensuring a consistent end-to-end customer view from initial onboarding through ongoing transactions.  Contextual intelligence to combine identity, credit, network, financial history, behavioral insights, and others for precise fraud prediction and prevention. Better customer experiences with faster onboarding, fewer friction points, and reduced false positives boost customer satisfaction and retention. Improved risk insights by using the right data at the right time, including shared insights from a diverse global community of banks, payment providers, and networks on fraud and financial crime. Operational efficiency for non-technical teams (product managers, business analysts) with automation to autonomously build and manage data workflows, significantly reducing IT dependency. “External data is the next frontier of business impact for financial institutions, yet it is notoriously complex, involving a labyrinth of sources for KYC/AML, identity, fraud, credit checks, and compliance,” said Mark Hookey, CEO of Demyst, who will remain with Feedzai along with key members of the Demyst team. “We’re thrilled to join Feedzai to bring AI and data together at scale for our customers. Together we are building the most advanced solution for customer onboarding, fraud prevention, and risk management.” “An automated and efficient bank account opening process is both the first time a bank gets to know the customer as well as the first line of defense against fraud and financial crime,” said Dr. Ashish Kakar, Research Financial Insights Director, IDC Asia/Pacific. “The process has to be seamless to ensure a lasting customer relationship, and at the same time, by building trust from the start, banks not only enhance customer experience, but also strengthen the integrity of the financial system. Feedzai’s addition of automated data orchestration to its RiskOps Platform is a powerful combination that will benefit all customers. This should also help the regulators’ cause of reducing mule accounts and scams.”   Feedzai was advised in this transaction by the law firms Cooley and Garrigues. For more information on Feedzai and Demyst, users can visit: www.feedzai.com/demyst. About Feedzai Feedzai is the world’s first end-to-end financial crime prevention platform, protecting people and payments with AI-native solutions that stop fraud and financial crime. Leading financial institutions trust Feedzai to manage critical risk and compliance processes, safeguarding trillions of dollars of transactions while improving the customer experience and protecting the privacy of everyday users. For more information, users can visit feedzai.com. Contact Feedzaipr@feedzai.com The post Global Financial Crime Prevention Leader Feedzai Acquires Demyst to Break Down Data Silos and Accelerate Risk Decisions appeared first on Fintech Review.

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How to Start a Fintech Company

Fintech is one of the fastest-growing and most dynamic sectors in the global economy. By blending financial services with modern technology, it creates opportunities to reimagine how people save, spend, borrow, and invest. From neobanks and robo-advisors to payments infrastructure and credit platforms, fintech innovation has exploded. Now is a great time to start a fintech company. The barriers to entry are lower than ever. Cloud infrastructure, open banking APIs, and Banking-as-a-Service providers allow you to build faster and cheaper than a decade ago. You do not need a banking licence on day one. You do need a clear vision and the ability to execute. But to start a fintech company, it requires more than good code or clever branding. It means navigating a heavily regulated space, winning user trust, and solving real financial problems. This article walks you through the steps to get started, from idea to minimum viable product, and what it takes to succeed. Define Your Problem, Not Just Your Product Many founders begin with a product idea, a feature or user interface, but do not validate whether the problem is real. If you want to start a fintech company, you need to begin with a deep understanding of user pain. A good fintech business does not just digitise an experience. It improves or reimagines it entirely. Spend time interviewing potential users. Understand where the friction lies. Are they underserved by banks? Do they lack access to services? Are current products expensive, slow, or opaque? The more specific the problem, the stronger your value proposition. Photo by Pixabay on Pexels.com Once you validate the problem, define your solution clearly. Avoid buzzwords like blockchain or AI unless they directly solve the issue. Technology should serve the user, not the other way around. A simple solution that works is more valuable than a complex one that sounds impressive. Clarity at this stage will inform your product design, go-to-market strategy, and regulatory approach. If you start vague, you will end vague. If you start specific, you have a foundation that scales. Choose Your Business Model Early Before writing a single line of code, decide how your fintech company will generate revenue. Business models in fintech vary widely. You could charge a monthly fee, take a percentage of transactions, offer premium features, or monetise through lending or insurance partnerships. Some fintechs offer free tools and earn revenue through financial flows. Each model has trade-offs. Subscription models are predictable but require high retention. Transaction models grow with usage but depend on volume. Lending models can be profitable but carry credit and regulatory risk. You must choose a path that fits your audience and your capabilities. The business model also determines your compliance needs and product roadmap. If you plan to embed lending, you may need risk models, a credit decision engine, and a regulated partner. If you take deposits, you will need a full banking partner and possibly a licence. Thinking through monetisation early helps you raise investment, hire correctly, and align your roadmap with real economic value. While your model may evolve over time, you need an initial structure to operate efficiently and explain your vision. Understand the Regulatory Landscape Photo by Pixabay on Pexels.com The fintech sector is exciting but also tightly regulated. If you plan to start a fintech company, you must understand the legal and compliance requirements for your business. These vary significantly depending on your activity and your country of operation. The first question is whether your business is regulated at all. If you are offering personal finance dashboards, you may not need a licence. But if you are handling payments, offering loans, or issuing cards, you almost certainly will. Many early-stage companies underestimate how long licensing takes and how much it costs. Do not try to navigate regulation alone. Speak with a compliance advisor or fintech lawyer early. Understand which licences apply, which regulators to engage with, and what level of reporting is required. Some founders choose to operate under the licence of a partner initially, which can save time and cost. Importantly, compliance is not just a cost centre. It is part of your brand. Users will not trust a platform that feels unprofessional or unsafe. Building a solid regulatory foundation is not optional. It is core to your credibility, fundraising, and long-term success. Build With APIs and Fintech Infrastructure One of the biggest advantages of launching a fintech startup today is the availability of financial infrastructure. You no longer need to build your own core banking stack or payments gateway. Dozens of providers now offer plug-and-play APIs for everything from account creation to fraud monitoring. Banking-as-a-Service platforms allow you to issue IBANs, virtual cards, and digital wallets without becoming a regulated bank. KYC providers help you verify user identity in seconds. Regtech tools automate transaction monitoring, GDPR compliance, and reporting. These building blocks save you time and reduce risk. Photo by Ash Amplifies on Pexels.com The key is to choose your infrastructure partners carefully. Assess their documentation, service-level agreements, and regulatory standing. Look for modular systems that let you switch or scale as needed. Be sure you retain ownership of user data and control over the user interface. By outsourcing commodity services, you can focus on your competitive edge. That could be a better user experience, smarter underwriting, or a seamless workflow. Your infrastructure should support your vision, not slow it down. Design for Trust and Simplicity In fintech, trust is everything. You are handling sensitive data, financial transactions, or in some cases, people’s entire livelihoods. A sleek interface is not enough. Users need to feel confident that your platform is secure, compliant, and reliable. Start with onboarding. Make it simple, transparent, and reassuring. Clearly explain why you collect certain data and how it is protected. Avoid jargon. Build support channels even if you are small, trust often hinges on responsiveness and transparency. From a technical perspective, prioritise security from day one. Encrypt data at rest and in transit. Use secure APIs and follow best practices in authentication. Work with cybersecurity experts to test and harden your systems before launch. Design also plays a role in trust. Clarity and simplicity go a long way. Avoid clutter. Make transactions easy to understand. Show real-time confirmations. Trust is not just earned through compliance. It is communicated through design, language, and service quality. Assemble a Founding Team With Complementary Skills Photo by Pixabay on Pexels.com If you want to start a fintech company, it requires more than a good idea. You need a team with the right skills, mindset, and resilience. Financial services are complex, and building in this space requires both speed and precision. Ideally, your founding team should include a strong technical lead, a product or design expert, and someone with domain knowledge in finance, regulation, or operations. You will also need someone comfortable speaking with investors, managing budgets, and negotiating partnerships. If you lack expertise in key areas, consider bringing in advisors or part-time contributors with experience in compliance, payments, lending, or financial modelling. The more rounded your early team, the fewer blind spots you will face. Beyond skills, culture matters. Fintech is full of challenges, shifting regulations, tough competition, and long sales cycles. You need a team that can learn quickly, make hard decisions, and stay mission-driven under pressure. Test and Launch Your MVP You do not need to build a full product before launching. In fact, you should not. Instead, focus on releasing a minimum viable product (MVP) that solves a narrow but meaningful problem. This lets you test assumptions, learn from real users, and avoid wasted development. Choose one clear use case. That could be generating virtual cards, automating expense tracking, or managing invoices for freelancers. Strip away anything that is not essential. You want speed, simplicity, and user feedback. After launching your MVP, measure how users engage. Look for signs of value, do they return? Do they recommend it? Are they willing to pay? Use this insight to guide your next development sprint. Keep your early users close. Offer direct support. Ask them what works and what does not. If you build with them, they will become your best advocates, and possibly your first customers. Fundraising and Growth Strategy Photo by AS Photography on Pexels.com To start a fintech company, you will likely need funding. Compliance, infrastructure, and user acquisition require capital, even if your model is lean. Begin with a clear fundraising plan based on your business model and roadmap. There are many funding options, including angel investors, seed funds, venture capital, and strategic partners. Each type comes with expectations around growth, governance, and timelines. Choose investors who understand fintech and support responsible innovation. When pitching, focus on the problem, your unique approach, your regulatory plan, and your path to revenue. Avoid generic claims. Be specific. Fintech investors want clarity, traction, and a credible route to scale. For growth, prioritise quality over quantity. Build trust with your first 100 users. Nail your onboarding. Refine your messaging. Scaling prematurely can break your platform and damage your brand. Build patiently, but with ambition. Think Long-Term Photo by Jan Kroon on Pexels.com Starting a fintech company is hard, but meaningful. You are building something that can change how people interact with money. That impact brings responsibility. It also brings opportunity. Focus on solving real problems with clarity and empathy. Build trust early and never compromise on security or compliance. Be prepared to adapt, regulation, user behaviour, and technology will evolve. Fintech is not about copying the old system. It is about building something better. If that excites you, there is no better time to start. The post How to Start a Fintech Company appeared first on Fintech Review.

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Changelly Hits 10 Million Users and Celebrates 10-Year Anniversary with Partners

Kingstown, St. Vincent and the Grenadines, April 22nd, 2025, FinanceWire Changelly, a leading instant cryptocurrency exchange, is celebrating its 10th anniversary and announcing a major milestone: over 10 million users worldwide now trust the platform for seamless crypto swaps and fiat on-/off-ramps.  Over the past decade, Changelly has grown significantly and steadily in the turbulent crypto market: now, the platform supports over 1,000 coins across 185 blockchains, maintaining consistent security and reliability. Through its aggregator service, Changelly works with 15+ tier-1 providers to deliver competitive fiat on-/off-ramp deals. The company’s network of 600+ global partners reflects its trusted position in the cryptocurrency exchange market. To celebrate this achievement—and the company’s anniversary—Changelly is launching a special in-app campaign: the “Wheel of Fortune” prize giveaway, with a total prize pool worth $100,000. Running from April 22 to May 6, 2025, the promotion gives users a chance to win high-value prizes from Changelly and its partners Tangem, Trezor, and Zengo, including the latest iPhone 16 Pro Max, hardware wallets, premium subscriptions, bonus credits, and more. Industry Leaders Congratulate Changelly and Its Users To make this celebration truly special, Changelly has teamed up with its partners and the most trusted names in the crypto industry—Trezor, Zengo, and Tangem—to provide its 10 million users with secure and user-friendly products and support. “At Tangem, our mission is to build the most secure and intuitive hardware wallet—one that empowers everyone, everywhere, to access and use crypto safely in their daily lives. We believe security should never come at the cost of simplicity, and usability should never compromise safety. That’s why we’re excited to partner with Changelly for their 10-year anniversary campaign—joining forces to make crypto more secure, accessible, and user-friendly for everyone,” – Darya Karpukova, Chief Commercial Officer at Tangem. Tangem provides winners of the giveaway with its exclusive Spring Collection, featuring a limited-edition set of three elegantly designed hardware wallet cards. These wallets offer robust security combined with seamless access to digital assets. As part of the campaign, users can benefit from 0% fees on all stablecoin swaps conducted via the Changelly integration within the Tangem Wallet. Additionally, Tangem offers a promo code for a 20% discount across all collections, accompanied by complimentary shipping—accessible through a limited-time promo code while spinning the wheel of fortune in the Changelly app. “Zengo Wallet is rewriting the rules of self-custody: No seed phrases, no compromises. We’re thrilled to team up with Changelly to bring secure, user-first crypto access to millions, and are delighted to congratulate them on their 10-year milestone as industry leaders for seamless swaps!” – Elad Bleistein, Chief Marketing Officer at Zengo. Lucky winners can get free access to Zengo Wallet’s premium service for 3 months with next-gen security features and special deals, including Legacy Transfer (crypto inheritance), Biometric Theft Protection, Bitcoin Vaults, up to 50% off crypto purchase fees, and more. The Trezor Safe 3 hardware wallets are also available for the participants of the giveaway and feature a Secure Element (EAL6+) and a device-entry passphrase for enhanced protection of digital assets. The device includes a 0.96″ monochromatic OLED screen and supports comprehensive coin management through the Trezor Suite application. Anniversary Giveaway Features Premium Prizes from Leading Crypto Security Brands As part of its anniversary celebration, Changelly is hosting a giveaway featuring a range of high-value prizes. Participants have the opportunity to win items including the iPhone 16 Pro Max, Tangem Limited Edition 3-card wallet sets, Trezor Safe 3 hardware wallets, and three-month Zengo premium subscriptions. Additional rewards include $50 and $100 Changelly service fee bonuses, VIP statuses for Changelly services, and exclusive discount codes for Tangem products. How it works: The campaign is available in the Changelly mobile app All registered users get 1 free spin  Users earn 1 extra spin by making a transaction in the app  Prizes are revealed instantly after each spin Changelly Launches Limited-Time Spin-to-Win Event for App Users Between April 22 and May 6, users who download the Changelly app and log in will be eligible to participate in a spin-to-win event. Each spin offers the chance to secure a variety of prizes as part of the platform’s ongoing anniversary celebration. About Changelly Changelly is an instant crypto exchange platform serving over 10 million users worldwide. Founded in 2015, Changelly offers safe and fast crypto-to-crypto and fiat-to-crypto exchanges of over 1,000 crypto coins across 185 blockchains with 24/7 live customer support. As a CeDeFi ecosystem, Changelly provides its 600+ partners with instant exchange and fiat on-/off-ramp APIs, a platform for listing, and a DEX aggregator for decentralized swaps. Changelly is available on the desktop (website), iOS (App Store), and Android (Google Play). Contact Head of Marketing & PRAshley VancouverChangellypr@changelly.com The post Changelly Hits 10 Million Users and Celebrates 10-Year Anniversary with Partners appeared first on Fintech Review.

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ChargeAfter Partners with Foundation Finance to Expand Home Improvement Financing Options

New York, United States, April 22nd, 2025, FinanceWire ChargeAfter adds Foundation Finance to its embedded lending network, further expanding its reach and reinforcing its leadership in home improvement financing. ChargeAfter, the embedded lending platform for point-of-sale financing, has partnered with Foundation Finance to expand financing options available to home improvement contractors and their customers.  ChargeAfter’s embedded lending network, powered by its waterfall financing technology, enables contractors to instantly match customers to the best-fit financing options. Foundation Finance expands access to home improvement financing of up to $100,000 with terms of up to 20 years for near-prime customers – boosting approvals and enhancing the customer experience. A smooth, secure financing experience builds customer confidence, especially crucial in the home improvement industry, where financing decisions often take place at the customer’s kitchen table.  “As home improvement providers adopt a multi-lender financing approach, ChargeAfter enables them to simplify the process,” said Andrea McCullion, Chief Business Development Officer, at Foundation Finance. “Through this partnership, Foundation Finance products are easily available to customers at their moment of need, helping contractors provide more financing options with less complexity. Together, we’re making financing more accessible and efficient for homeowners and contractors alike.” “We are thrilled to welcome Foundation Finance to our network, further strengthening ChargeAfter as the go-to platform for home improvement financing,” said Meidad Sharon, CEO of ChargeAfter. “With Foundation Finance’s competitive terms and high approval amounts, contractors gain greater flexibility to meet their customers’ financing needs, helping maximize approval rates and drive sales. With ChargeAfter’s easy-to-use platform, contractors can seamlessly manage the financing process, while our post-sale capabilities, including advanced analytics, help simplify managing the entire financing process and optimize financing for growth.” About ChargeAfter ChargeAfter is pioneering the embedded lending network for point-of-sale consumer financing for merchants and financial institutions. Powered by a network of lenders and a data-driven matching engine, ChargeAfter streamlines the distribution of credit into a single, secure, and reliable embedded lending platform. Merchants can rapidly implement ChargeAfter’s omnichannel platform online, in-store, and at every point of sale, enabling them to provide personalized financing choices to their customers. ChargeAfter is backed by investors including Visa, Citi Ventures, Synchrony Financial, Banco Bradesco, MUFG, and more. Users can learn more at chargeafter.com. About Foundation Finance Foundation was founded in 2012 and specializes in point-of-sale home improvement financing programs across the credit spectrum. Foundation operates in all 50 states and serves more than 13,000 home improvement contractors and hundreds of thousands of homeowners nationwide. Foundation has been owned by InterVest Capital Partners since September of 2022. For more information, users can visit foundationfinance.com Contact Director of MarketingVarda BachrachChargeAftervarda.bachrach@chargeafter.com The post ChargeAfter Partners with Foundation Finance to Expand Home Improvement Financing Options appeared first on Fintech Review.

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Amwaj International acquires 18% stake in Dubai-based Cledor at $100M post-money valuation

Dubai, United Arab Emirates, April 22nd, 2025, FinanceWire Amwaj International, a billion-dollar multi-national conglomerate with over 10,000 employees and a global footprint across 27 cities, has acquired 18% stake in Dubai-based development firm Cledor, founded by industry veteran Omar Gull. The investment marks Amwaj’s entry into the real estate market in the UAE, with Cledor’s post-money valuation hitting USD 100 million. This investment is a key part of Amwaj’s strategy to expand into one of the world’s most significant real estate markets. For over 30 years, Namir El Akabi has successfully directed developments and investments worth more than $60 billion across nearly every sector of the real estate industry. Under the partnership, Cledor will manage and spearhead Amwaj’s upcoming real estate ventures in the UAE, harnessing its expertise in luxury real estate development. The funds will enable Cledor to support recruitment and manage operational expenses until its projects generate liquidity. Cledor will also leverage Amwaj’s global team of professionals, procurement network, and expertise to accelerate future growth. Dubai’s real estate sector recorded significant transaction volumes. In 2024, Dubai reached an all-time high in real estate transaction values, totaling over AED 760.7 billion from 226,000 transactions. The boom has been fueled by foreign direct investment, a growing demand for luxury properties, and a pro-business regulatory framework. As a thriving global business hub, Dubai provides a business-friendly environment that supports company growth. With a tax-free income regime, ease of doing business, and a dynamic investment ecosystem, the city continues to attract international firms due to its regulatory and tax framework “Dubai provides the ideal environment for entrepreneurs to dream big and scale quickly,” said Omar Gull, Founder of Cledor. “In just under a year, we secured AED 2.3 billion in Gross Development Value (GDV) and more than 1.3 million square feet in projects. We have also demonstrated our ability to execute, having launched and sold out our first development in just four days, with a GDV of AED 435 million. Our partnership with Amwaj will further fuel our growth, allowing us to capitalize on Dubai’s booming real estate market.” Omar’s illustrious career path has seen him achieve sales upwards of USD 30 billion. He has previously held key leadership roles including the Chief Sales Officer of Dubai Holding, Head of Sales at Emaar Properties, General Manager of Emaar Saudi Arabia, Head of International Business at DAMAC Properties, as well as prior consulting experience at JLL. Namir El Akabi, Founder and Chairman of Amwaj Group stated: “We are deeply confident in the vision and leadership of Omar Gull, who brings invaluable experience in the Dubai real estate market. The remarkable speed and scale at which Cledor has grown in under a year is testament to its vast potential. We are excited to support its journey and join hands in redefining the UAE’s real estate sector.” While Cledor’s primary focus remains Dubai, the firm is also exploring high-growth emerging markets such as Far East Asia and Eastern Europe for potential expansion opportunities. Through current and upcoming projects spanning approximately 20 million sqm of land, Amwaj aims to provide 50,000 units to accommodate 200,000 residents. To date, the company has invested about $2.4 billion in real estate assets that are either sold or under development in Iraq alone. These assets include residential, retail, and office properties in Iraq’s premier property market. About Amwaj International Amwaj International is a billion-dollar multi-national conglomerate with a global presence in 27 cities, employing over 10,000 people. With more than 30 years of experience, Amwaj has successfully directed developments and investments across diverse sectors, including real estate, energy, and infrastructure. The company has committed over $2.4 billion to real estate assets in Iraq and is now strategically expanding into the UAE market. Through its recent investment in Cledor, Amwaj Group is poised to strengthen its presence in Dubai’s booming real estate sector, driving growth and innovation across the region. www.amwaj.com About Cledor Cledor is a Dubai-based real estate development firm specializing in luxury properties and high-value investments. In less than a year, Cledor has secured AED 2.3 billion in Gross Development Value (GDV) with over 1.3 million square feet of real estate projects in Dubai. With a proven track record, including the rapid sell-out of its first AED 435 million project in just four days, Cledor aims to become a billion-dollar company in five years. The firm continues to expand its portfolio, launching five major developments in 2025 while exploring high-growth emerging markets such as Far East Asia and Eastern Europe. www.cledor.com Contact Keel Commssupport@keelcomms.com The post Amwaj International acquires 18% stake in Dubai-based Cledor at $100M post-money valuation appeared first on Fintech Review.

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Strategel Wealth Society Introduces Intelligent Tool Backed by Benjamin Caldwell

Miami, Florida, April 22nd, 2025, FinanceWire Strategel Wealth Society, under the leadership of financial strategist and CEO Benjamin Caldwell, has officially launched InsightMatrix, a cutting-edge data intelligence platform designed to transform how investors interact with real-time market information. The platform is aimed at enhancing decision-making speed, strategy precision, and educational depth across global investor communities. InsightMatrix empowers users to interpret evolving market dynamics through an interactive analytics environment that includes asset tracking, macroeconomic indicators, and behavioral insights. The system is built to support diversified portfolios, cross-market strategies, and user-specific customization. “In volatile markets, insight must move as fast as price,” said Benjamin Caldwell. “InsightMatrix is engineered to close the gap between raw data and real action—making high-quality strategy support available not only to professionals, but to every investor who demands better clarity.” Key capabilities of InsightMatrix include: Live Market Intelligence Dashboards: Real-time visualization of key metrics across equities, currencies, fixed income, and digital assets. Behavioral Signal Engine: Alerts that identify sentiment shifts, emotional extremes, and crowd-driven market movements. Macro-Adaptive Filters: Tools that adjust strategic focus based on interest rates, inflation expectations, and geopolitical triggers. Interactive Learning Overlays: Contextual explanations, glossary tags, and mini-lessons embedded directly into the analytics interface. Scenario Playback Mode: Enables users to simulate strategy responses to past market events for comparative analysis and performance review. Strategel Wealth Society developed InsightMatrix as part of its broader initiative to integrate financial education with advanced technology. The platform is now available in beta for a select group of members, with full public access scheduled for later this year. Early access users will be invited to participate in roadmap discussions and feature refinement workshops. The organization also plans to expand InsightMatrix with voice-assisted navigation, cross-platform integration tools, and AI-generated market narrative summaries in upcoming development cycles. With this launch, Strategel Wealth Society continues to solidify its role as a leading force in intelligent investing—bridging strategy, education, and innovation under Benjamin Caldwell’s leadership. About Strategel Wealth Society Strategel Wealth Society is a global financial education and fintech platform committed to empowering investors with intelligent tools, strategic knowledge, and community-driven support. Founded on the vision of making investment expertise accessible and effective, the organization delivers personalized financial learning, data-driven decision support, and cross-border collaboration opportunities. Under the leadership of Benjamin Caldwell, Strategel Wealth Society continues to drive innovation in financial education, helping individuals achieve long-term wealth growth through clarity, confidence, and competence. For access to the InsightMatrix beta program and future release updates, users can Strategel Wealth Society. Contact Sophia BellStrategel Wealth Societysales@strategel.com The post Strategel Wealth Society Introduces Intelligent Tool Backed by Benjamin Caldwell appeared first on Fintech Review.

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SwissBorg offers FREE €30,000 grant to help you take the leap

Lausanne, Switzerland, April 22nd, 2025, FinanceWire SwissBorg, a European wealth management app with over one million users, has introduced the Dream Fund campaign, a new initiative that will award *€10,000 each to three selected applicants to support personal, creative, or entrepreneurial projects. The Dream Fund is designed to assist individuals in taking the next step toward their goals, especially where financial limitations might otherwise present obstacles. Projects eligible for support range from launching a business or recording a creative work to community-driven efforts and personal development. “This isn’t just about money, it’s about purpose,” said Cyrus Fazel, CEO at SwissBorg. “Sometimes, all it takes is a small push to create real change in your life and pursue your dreams.” Open Participation Process Eligible participants can apply at no cost by submitting a short description of their project through swissborg.com/dream-fund. Three submissions will be selected to receive *€10,000 each. The campaign is open only in jurisdictions where the SwissBorg app is available. Supporting Broader Access to Financial Opportunity SwissBorg, known for its digital wealth-building platform focused on cryptocurrency and decentralized finance, positions the Dream Fund as an extension of its mission to promote inclusive and human-centered financial solutions. The initiative reflects SwissBorg’s belief that personal wealth includes the freedom to pursue goals with meaning beyond financial return. More information and the application form can be found at swissborg.com/dream-fund. *Please note: *€10,000 prize is not available to UK users or residents in countries outside of the SwissBorg app’s operating regions. About SwissBorg SwissBorg is a leading wealth management platform empowering its 1M users to achieve financial freedom through investing in digital assets and decentralised finance. Engineered in Lausanne, Switzerland, and licensed in multiple EU countries, SwissBorg brings trust and transparency back to crypto. Its flagship product, the Meta-Exchange, integrates 17 exchanges in 1 to bring its users the best rates on the market for their trades and supports 16 fiat currencies including EUR, CHF and GBP. Beyond the Meta-Exchange, they offer crypto bundles which automatically adjust according to market conditions, yield on multiple cryptocurrencies, and early investment opportunities in emerging Web3 projects. Their own token, BORG, sits at the heart of their ecosystem providing a multitude of benefits to its holders. Contact MrMicah ThompsonSwissBorgmicah@swissborg.com The post SwissBorg offers FREE €30,000 grant to help you take the leap appeared first on Fintech Review.

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PayPal Review: From Digital Wallet Pioneer to Fintech Powerhouse

Few names are as closely associated with the evolution of digital payments as PayPal. Once a startup disrupting the online auction scene, PayPal has grown into a global fintech giant, handling over a trillion dollars in annual payment volume. It has become synonymous with sending money online, offering both convenience and trust. But PayPal is more than just a payment button. In 2025, it is a platform spanning personal finance, business solutions, and international commerce. From peer-to-peer transfers and checkout integration to crypto trading and buy now pay later, PayPal continues to expand its reach. This article explores PayPal’s evolution, what it offers today, and how it maintains relevance in a rapidly changing fintech landscape. The Origins PayPal began in the late 1990s, originally as a security-focused mobile payments company. It gained prominence after merging with Elon Musk’s X.com and pivoting to email-based payments. Its breakthrough came through eBay, where it became the default method for buyers and sellers to transact. By 2002, it had gone public and was quickly acquired by eBay. For over a decade, the two were closely linked. However, PayPal’s ambition extended beyond marketplaces. In 2015, it split from eBay to pursue a broader fintech strategy, and never looked back. Today, PayPal operates in more than 200 markets, supports over 100 currencies, and serves consumers, merchants, and developers alike. Its user base exceeds 400 million accounts. What PayPal Offers in 2025 At its core, PayPal still allows users to send and receive money using email or mobile numbers. But its product suite has grown far beyond that. Users can now pay for goods online, split bills with friends, or manage subscriptions through a unified wallet. For businesses, PayPal offers merchant accounts, invoicing, recurring billing, and payment processing. Sellers can accept card payments, manage fraud, and integrate with platforms like Shopify and WooCommerce. Newer features include PayPal Pay Later, allowing users to split purchases into interest-free instalments. The app also includes budgeting tools, loyalty rewards, and crypto trading for supported currencies. In some countries, PayPal even offers high-yield savings accounts or credit services. The platform is becoming more like a financial operating system, connecting users with tools to spend, save, invest, and manage money. All without needing a traditional bank. PayPal for Consumers PayPal’s strength lies in trust and ease of use. Consumers value the brand’s reputation for security and its purchase protection policies. The interface is intuitive, the experience is smooth, and the service is well-supported. Users can shop online without exposing card details. They can link multiple funding sources, manage payments across platforms, and use a single login to pay anywhere PayPal is accepted. The mobile app consolidates spending activity, account balances, and recurring payments. It also supports contactless payments in some regions, allowing PayPal to compete with mobile wallets like Apple Pay and Google Pay. Peer-to-peer transfers remain a core feature. Whether splitting dinner or sending birthday money, it makes moving funds between individuals frictionless and free in many cases. PayPal for Businesses For small and medium businesses, PayPal is more than a payment method, it is a full service provider. Merchants can accept payments online or in person using QR codes or card readers. PayPal also supports invoicing, reporting, and customer management. The platform’s strength is reach. Businesses using PayPal can sell globally with confidence. Currency conversion, chargeback handling, and local compliance are built in. PayPal offers integrations with e-commerce platforms, accounting tools, and CRM systems. It also powers branded checkouts, subscription billing, and marketplace payouts. The company has invested heavily in merchant services, offering working capital loans and instant withdrawals. For entrepreneurs, it can replace or supplement traditional banking infrastructure. Innovation and Competition PayPal continues to innovate while fending off fierce competition. Rivals include dedicated payment processors like Stripe, digital banks like Revolut, and mobile wallets with regional dominance. Super apps in Asia and open banking in Europe present additional challenges. In response, PayPal has made acquisitions. That is including Honey for shopping rewards and Paidy for BNPL services in Japan. It also launched its own stablecoin and expanded crypto services, appealing to younger users and investors. The company has adopted APIs and embedded payment capabilities to stay relevant to developers and platforms. It has also doubled down on data security and compliance, crucial for maintaining trust at scale. Innovation is no longer optional. PayPal must balance agility with scale to maintain its leadership position. The Global Impact of PayPal PayPal’s global footprint is significant. In emerging markets, it offers cross-border remittances and access to international commerce. In developed economies, it supports gig workers, remote teams, and digital nomads. It has helped democratise payments, reduce reliance on banks, and empower entrepreneurs. It has also advocated for responsible financial services and digital inclusion. Critics note that fees for currency conversion or business accounts can be high. Others question the centralised control the company has over user accounts and fund access. Still, its scale and utility remain unmatched. PayPal has changed how the world transacts, and continues to shape the future of digital finance. It has grown from a simple payment processor into a fintech ecosystem serving hundreds of millions. PayPal has remained relevant through reinvention, partnership, and user trust. Its future will depend on maintaining that trust while embracing change. With new entrants, new technologies, and rising user expectations, PayPal must evolve without losing what made it essential in the first place. The post PayPal Review: From Digital Wallet Pioneer to Fintech Powerhouse appeared first on Fintech Review.

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Understanding Cross-Chain Interoperability

The blockchain ecosystem has rapidly grown from a handful of networks to hundreds of chains, each with its own specialisation. While this diversity fuels innovation, it also creates fragmentation. Understanding cross-chain interoperability is essential to navigating this new landscape, where users and developers need seamless connections between blockchains. In short, cross-chain interoperability enables communication and coordination across otherwise isolated blockchain networks. It allows tokens, data, and messages to move securely between chains, unlocking new functionality and simplifying user experiences. In this article, we break down the concept of cross-chain interoperability, how it works, and why it is a foundational requirement for the next phase of Web3. What Is Cross-Chain Interoperability? Photo by luis gomes on Pexels.com Cross-chain interoperability refers to the ability of different blockchains to communicate and share data. This includes transferring tokens, triggering smart contract functions, and synchronising states between independent networks. Instead of operating in silos, interoperable blockchains can interact much like the early internet evolved through protocols such as TCP/IP. As a result, users can access applications and services across multiple chains without switching platforms or managing multiple wallets. Therefore, interoperability is not just about convenience — it is about creating a unified, scalable, and user-friendly decentralised ecosystem. Why Interoperability Is So Important To begin with, most users do not care which blockchain an application is built on. They care about speed, cost, security, and ease of use. Without interoperability, users must jump through hoops to bridge assets, learn different interfaces, and manage multiple versions of the same wallet. Moreover, developers are forced to choose a single chain, limiting their reach. Cross-chain interoperability removes these constraints by enabling multi-chain dApps, shared liquidity, and unified user bases. Consequently, this reduces redundancy, increases capital efficiency, and makes Web3 more accessible to mainstream audiences. How Cross-Chain Interoperability Works Photo by Pixabay on Pexels.com There are several approaches to enabling interoperability: Bridges: These lock assets on one chain and mint equivalent tokens on another. Messaging protocols: These allow smart contracts to communicate across chains (e.g. LayerZero, Chainlink CCIP). Relay chains: Networks like Polkadot use a central relay to connect multiple parachains securely. Standardised protocols: Solutions such as Cosmos’ IBC provide a common language for interchain communication. Each method comes with its own trade-offs in terms of decentralisation, speed, and security. However, all aim to reduce friction and improve coordination between networks. Examples of Cross-Chain Interoperability in Practice Already, we see cross-chain interoperability in action: ThorChain enables swaps between Bitcoin, Ethereum, and Cosmos without wrapping LayerZero powers omnichain tokens and NFT minting across EVM and non-EVM chains Polkadot’s XCM facilitates messaging and asset transfers between parachains IBC allows Cosmos chains to share liquidity and data without external bridges These projects demonstrate that interoperability is moving from theory to reality. It is improving liquidity, user experience, and developer agility. The Risks and Challenges Ahead Photo by Pixabay on Pexels.com While progress is being made, cross-chain interoperability remains a complex undertaking. Some of the biggest challenges include: Security vulnerabilities in bridges and relayers Latency and performance issues across chains Lack of standardisation between protocols and message formats Governance over cross-chain transactions and upgrades Addressing these challenges will require community coordination, improved tooling, and robust security practices. Nevertheless, the incentives to solve them are strong, as demand for multi-chain dApps continues to grow. Understanding cross-chain interoperability is key to unlocking the next level of decentralised services. It is what transforms isolated chains into an ecosystem. One where users can move freely, developers can scale quickly, and innovation is no longer bound by architecture. The post Understanding Cross-Chain Interoperability appeared first on Fintech Review.

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Cybertech: Securing the Foundations of Finance

In today’s financial ecosystem, technology drives nearly every transaction. However, as services become more digitised, the risks multiply. This is where cybertech comes in, the application of advanced cybersecurity technologies to protect digital finance. Cybertech sits at the intersection of cybersecurity and fintech. It covers the tools, platforms, and strategies that defend against data breaches, fraud, identity theft, and financial disruption. For banks, fintechs, and payment providers, cybertech is not a luxury, it is a necessity. What Is Cybertech? Cybertech refers to the suite of digital tools designed to secure networks, systems, and users from cyber threats. In the financial sector, it includes fraud detection, threat intelligence, data encryption, biometric verification, and risk monitoring. More than just firewalls and antivirus software, modern cybertech is proactive and adaptive. It uses artificial intelligence and behavioural analytics to spot unusual patterns and respond in real time. Whether protecting mobile banking apps or securing blockchain wallets, cybertech plays a foundational role. It ensures trust in the system, reduces downtime, and meets increasingly strict regulatory standards. Why Finance Needs It Financial institutions are frequent targets for cybercrime. Attackers pursue data, funds, and access to infrastructure. The risks range from phishing and account takeovers to ransomware and insider threats. Because financial data is highly valuable, banks and fintechs are required to maintain rigorous security protocols. Yet, as services move to the cloud and users expect instant access, the attack surface expands. Cybertech helps mitigate these risks by securing each layer of the stack — from device authentication to back-end systems. It also enables faster, safer innovation. New features can be launched with confidence that systems will remain secure. In short, cybertech makes digital finance possible. Key Technologies in Cybertech The landscape includes a wide range of solutions, each addressing a different part of the threat environment. These include: Biometric authentication, such as facial and fingerprint recognition AI-powered fraud detection that flags anomalies in real time End-to-end encryption for data in transit and at rest Secure access controls, including zero-trust architecture Identity verification tools using document scans and liveness tests Tokenisation to anonymise sensitive financial information Together, these tools create layers of defence that reduce both the likelihood and impact of a cyberattack. Importantly, many of these tools are delivered as-a-service, making them accessible to smaller fintechs as well as large institutions. Regulation and Compliance Cybertech is not only about protecting infrastructure, it is also about meeting legal and regulatory expectations. Regulators around the world now require financial services to demonstrate cybersecurity readiness, resilience, and reporting capabilities. This includes data protection laws such as GDPR, operational resilience frameworks, and specific financial sector regulations. Institutions must conduct regular testing, report incidents, and show they can recover from disruptions. Cybertech platforms often include compliance dashboards, audit trails, and automated reporting tools. These features reduce the administrative burden and help organisations stay aligned with evolving standards. Compliance is no longer a back-office task. It is part of the user experience, brand reputation, and investor confidence. Cybertech in Fintech Startups For fintech startups, it is a critical enabler. It allows them to scale rapidly without compromising security. From day one, they can build trust by offering secure onboarding, encrypted communication, and transaction monitoring. Startups may lack large security teams, but thanks to cybertech platforms, they can access enterprise-grade defences through APIs and SaaS tools. This levels the playing field and supports innovation. Some fintechs also specialise in cybertech themselves, offering white-label fraud prevention or identity services to other platforms. These firms sit at the heart of the digital finance ecosystem, ensuring it remains safe and resilient. Emerging Trends in Cybertech Cybertech is evolving quickly. New trends are shaping how security is implemented, including: Behavioural biometrics that track user habits to detect fraud Secure multiparty computation for data privacy in shared systems AI-generated synthetic data to train fraud models without exposing real information Decentralised identity solutions that give users more control over their data These innovations reflect a shift from static, reactive systems to dynamic, intelligent security frameworks. The future of cybertech is not only more secure, but also more adaptive and personalised. In digital finance, trust is everything. Without strong cybersecurity, there can be no growth, no innovation, and no customer loyalty. Cybertech provides the foundation for secure, scalable financial services. As threats evolve and services become more complex, cybertech will remain central to strategy and execution. The post Cybertech: Securing the Foundations of Finance appeared first on Fintech Review.

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SaaS Fintech: What’s Next for the Most Powerful Pairing in Finance?

We previously explored why the convergence of SaaS and fintech is so compelling. Cloud-native design, scalability, and recurring revenue models made the model attractive for both users and investors. The ability to deploy financial services at scale, through intuitive software interfaces, opened new possibilities for user experience and cost-efficiency. Now, as fintech matures and SaaS evolves, a second wave is taking shape. This is SaaS fintech v2.0. A new phase where these two forces blend more deeply into the financial system, not just serving finance, but reshaping it entirely. SaaS fintech is no longer just a delivery model for financial services. It is becoming infrastructure, embedded, intelligent, and indispensable to the digital economy. We are witnessing a shift from standalone financial tools to full-stack, sector-specific platforms that seamlessly combine workflow automation with financial innovation. In this piece, we dive deeper into the drivers, challenges, and emerging opportunities behind this transition. SaaS Fintech: The Shift from Tools to Ecosystems The first generation of SaaS fintech platforms focused primarily on digitising individual tasks. These included cloud accounting, SME lending dashboards, invoicing tools, and payment portals. While powerful, they typically operated in isolation and addressed narrow user needs. In contrast, SaaS fintech v2.0 builds connected ecosystems. These ecosystems focus on the entire customer journey rather than a specific transaction or process. Platforms are now designed around workflows, rather than standalone features. They aim to reduce switching costs and eliminate the friction of fragmented systems. For instance, a payroll platform no longer just handles payslips. It also supports tax compliance, pension contributions, and access to earned wages before payday. A treasury management SaaS doesn’t only reconcile cash, it connects to foreign exchange hedging, liquidity planning, and yield optimisation. These newer platforms blend data, automation, and embedded finance in ways that simplify user experience. The result is higher retention, better margins, and broader value delivery, especially for small businesses, which benefit most from an all-in-one approach. Embedded Finance as a SaaS Fintech Enabler At the heart of SaaS fintech v2.0 lies embedded finance. It allows software platforms to integrate payments, lending, insurance, and other financial services directly into their user interfaces, without becoming regulated financial institutions themselves. This shift is fundamental to how SaaS fintech platforms create and capture value. Think of embedded finance as the invisible engine behind user experience. The SaaS platform acts as the storefront, while regulated financial partners manage the underlying infrastructure. APIs and Banking-as-a-Service (BaaS) providers are the bridges that connect them. For example, payment acceptance features are increasingly embedded into point-of-sale and invoicing SaaS platforms. Invoice financing is offered natively within accounts receivable tools. Logistics software platforms bundle goods-in-transit insurance into their shipping flows. These integrations enable seamless user journeys. They also unlock new revenue streams, such as transaction fees, interest spreads, and insurance commissions. Embedded finance turns software into a monetisable distribution channel for regulated products, helping platforms diversify income beyond subscriptions. Data Is the Real Differentiator Photo by gdtography on Pexels.com As SaaS fintech platforms mature, data becomes the key competitive asset. The combination of financial, behavioural, and operational data generated by these platforms creates significant strategic advantage. SaaS fintech v2.0 is defined not just by how software functions, but by how intelligently it adapts to users. This data is no longer just for reporting or dashboards. When layered with AI and machine learning, it powers predictive insights, dynamic pricing, and intelligent automation. These capabilities improve decision-making and reduce administrative burden for users. For example, platforms can forecast cash flow based on invoice cycles and payment history. They can recommend credit based on upcoming expenses and revenue trends. Expense management systems can detect anomalies and potential fraud before they escalate. In this model, the more the platform is used, the better it becomes. This creates stickiness and defensibility. The depth of data insights builds user loyalty, increases switching costs, and opens up adjacent product opportunities. SaaS fintech players that fail to leverage their data risk being outpaced by more adaptive competitors. Monetisation Moves Beyond Subscriptions Photo by Italo Melo on Pexels.com Traditional SaaS businesses have long relied on predictable subscription revenue, monthly or annual licensing fees. In SaaS fintech v2.0, monetisation is becoming more dynamic. Companies increasingly combine software subscriptions with transaction-based revenue, interest income, and embedded service commissions. This hybrid model enables companies to better align pricing with user value and activity. A user who processes more payments, finances invoices, or insures shipments generates more revenue, without needing to upgrade their plan. As usage increases, so do monetisation opportunities. Some platforms even offer their software for free, monetising solely through embedded financial flows. Others provide freemium models with optional fintech upgrades. This flexibility opens doors to underserved segments that were previously priced out of traditional enterprise software. However, monetising financial flows requires scale, regulatory clarity, and strong operational execution. SaaS fintech companies must ensure compliance, risk management, and secure infrastructure. The challenge lies in growing sustainably without losing user trust or running into compliance issues. Regulation and Trust: Still Central As software platforms integrate financial services more deeply, the distinction between fintech and SaaS begins to blur. Yet for regulators, this distinction still matters. SaaS fintech v2.0 must meet the same regulatory standards as traditional financial providers. Trust is the cornerstone of this evolution. Users expect intuitive digital experiences, but also demand reliability and protection. A security lapse, system outage, or compliance failure can destroy a platform’s credibility overnight. Key regulatory areas include customer onboarding, data protection, anti-money laundering (AML), and transaction monitoring. Even if financial services are offered via partners, platforms must understand their compliance obligations. This includes due diligence, auditing, and shared responsibilities with financial institutions. Photo by Francesco Ungaro on Pexels.com Regulatory scrutiny is increasing, especially in areas like embedded lending and SME finance. Platforms that embrace proactive governance and regtech integrations are better positioned for long-term growth. Building compliance and risk into the core platform — not as an afterthought — is critical to scaling safely. The Competitive Edge: Verticalisation While horizontal SaaS fintech solutions still have broad appeal, the real edge in v2.0 lies in vertical platforms. Vertical SaaS fintech targets specific industries such as construction, legal, healthcare, education, or logistics, with tailored workflows and financial services. These platforms speak the language of their users. They are built around sector-specific pain points, compliance needs, and regulatory contexts. This results in higher user engagement, better retention, and stronger pricing power. Verticalisation also creates fertile ground for embedded finance. A construction SaaS platform might offer materials financing or subcontractor insurance. A healthcare SaaS could provide patient payment plans and medical equipment leasing. These offerings make the platform indispensable and hard to replace. By owning the vertical, SaaS fintech platforms become the operating system for that industry. They build not just software, but business infrastructure. What’s Next for SaaS Fintech? Photo by Sean Whang on Pexels.com SaaS fintech v2.0 is still unfolding. The convergence of cloud, data, and embedded finance is driving rapid innovation across sectors. The next phase will be shaped by deeper partnerships, technological advances, and smarter monetisation strategies. We will likely see closer collaboration between SaaS firms and banks, insurance providers, or credit institutions. Traditional players need digital reach. SaaS platforms need regulatory expertise and capital access. Strategic alignment benefits both sides. Expect to see more fintech infrastructure providers being acquired by enterprise SaaS companies. API-native banking, payments, and compliance layers will be brought in-house to control user experience and margin. Artificial intelligence will play a greater role, especially in decision-making, risk profiling, and customer engagement. Platforms will become more predictive, not just reactive. Global expansion will continue, particularly in emerging markets where mobile and SaaS adoption is accelerating. API-first platforms with local partnerships can build scalable and compliant offerings quickly. From Feature to Fabric SaaS fintech started as a delivery feature. It offered faster, cheaper, and more accessible ways to engage with financial services. Today, it is becoming something much larger, part of the fabric of how modern businesses operate. The platforms that succeed will be those that understand industry context, prioritise trust, and intelligently blend software and financial products into seamless workflows. SaaS fintech v2.0 is not just a new phase, it’s a new foundation for digital finance. The post SaaS Fintech: What’s Next for the Most Powerful Pairing in Finance? appeared first on Fintech Review.

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Promax Organizes Private Royal Token Banquet Focused on Future of Decentralized Technologies

Abu Dhabi, United Arab Emirates, April 18th, 2025, FinanceWire On April 28th, 2025, on behalf of Promax Holding LLC, one of the companies owned by His Royal Highness Sheikh Hamdan Bin Mohamed Al Nahyan. Under the Honorary Sponsorship of the private office of His Royal Highness Sheikh Abdulla Al Sharqi, Promax will host an exclusive “Royal Token Banquet” at the Emirates Palace in Abu Dhabi. The prestigious evening will gather an elite circle of guests, including executives from top Web3 exchanges, leading venture capital firms, prominent dignitaries, and global luminaries in innovation and finance. Held under the presence of His Excellency Louai Mohamed Ali the President of Promax Group, and His Excellency Dr Mohamed Al Ahdaly, the CEO of the group, the banquet will begin promptly at 6:00 PM. It is set to be a landmark event, facilitating high-level discourse on the future of technology and the unveiling of a transformative initiative in the Web3 space. This closed-door gathering marks a significant moment for Promax as it seeks to foster collaboration among those driving the frontier of decentralized technologies, finance, and global innovation. About Promax United LLC Based in Abu Dhabi, UAE, Promax United LLC is a dynamic conglomerate led by His Royal Highness Sheikh Hamdan bin Mohammed Al Nahyan, with visionary leadership from His Excellency Louai Mohamed Ali, group president of Promax United. As a pioneer in business innovation, Promax Group delivers indispensable tools for success across diverse sectors, including: Banking and finance Capital management Renewable energy Infrastructure and manufacturing Healthcare Logistics and transportation Sustainability and environmental services Digital technology Security Real estate Media Humanitarian and community services Through its forward-thinking initiatives, Promax United continues to redefine industries and drive sustainable, impactful solutions on a global scale. Official website: https://promaxunited.com Contact CIO & Head of Business DevelopmentAlexander ReayPromax United Investments LLCalex@promax.digital The post Promax Organizes Private Royal Token Banquet Focused on Future of Decentralized Technologies appeared first on Fintech Review.

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