Doro

Just my personal take, happy to be challenged. Thanks again to everyone who joined and asked such great questions — more answers to come as we continue compiling responses for the ABF Learn community! discord.com/invite/Prnd947…

Putting it all together: banks unbundle their role and rent out their license via BaaS (Steps 1–2) → as fintechs scale on top of that infrastructure, they naturally begin taking on bank-like responsibilities (Step 3). These aren't three separate trends — they're three stages of the same story: banks and fintechs converging on each other, with the line between them getting blurrier every year.

Yesterday we successfully hosted our first ABF Learn session on "How Fintech Started Rebuilding Finance." 39 ppl joined live, the questions raised were genuinely thoughtful — Interestingly, these three questions aren't really separate — they're three facets of the same underlying question: how the boundary between fintech and traditional banking is being redrawn. 1. Will universal banks disappear or evolve? 2. What are the challenges of Banking-as-a-Service (BaaS) partnerships? 3. Do fintechs risk becoming the institutions they originally set out to disrupt? Here's how they connect, along with some thoughts on each:

Step 3: As fintechs scale, they naturally start taking on bank-like responsibilities As fintechs grow through BaaS, regulators naturally start treating them more like systemically important institutions — expecting more compliance, more capital, more risk ownership. This is simply a natural consequence of scaling, not a departure from their original mission. At that point, fintechs typically face a strategic choice: 1. Stay "asset-light" and keep depending on banking partners — though this means remaining constrained by their partners' risk appetite and the friction inherent in BaaS; or 2. Proactively obtain their own license, build out compliance infrastructure, and take on capital requirements themselves — gradually taking on bank-like capabilities and responsibilities along the way.

Step 2: This unbundling shows up concretely as BaaS Banks package their license and compliance capabilities into APIs and rent them out to fintechs, who own the front-end experience — that's Banking-as-a-Service. It sounds elegant, but the unbundling itself creates real friction: 1. Blurred accountability — when something goes wrong (AML failures, consumer protection issues), is it the bank's fault or the fintech's? Regulators increasingly hold the bank ultimately responsible for its partners' conduct, making banks more cautious about these partnerships. 2. Mismatched risk management speed — banks have mature risk controls, but fintechs iterate far faster than banks can review and monitor, creating a persistent gap between "what the fintech is doing" and "what the bank can actually oversee." 3. Tension over profit-sharing — the bank provides the license and capital; the fintech captures the users and data. Who deserves more of the upside is an ongoing negotiation. 4. Concentration risk — if one bank powers too many fintechs through BaaS, a single point of failure (as seen in past regulatory actions against BaaS-focused banks) can ripple across an entire ecosystem of fintech partners.

Step 1: Universal banks aren't disappearing — but their role is being unbundled High barriers to entry (banking licenses, capital requirements, deposit insurance) mean banks won't simply be "disrupted out of existence." But their role is shifting: from doing everything in-house to becoming back-end infrastructure providers. The front end — user experience, product innovation — is increasingly being taken over by fintechs.

@JunboPeng @thesaqlaintweet @helen_abfinance @Hicker_Moledao So lucky to meet and work with you❤️

The people I admire most have never been the smartest—they are the ones with the purest hearts ❤️ @thesaqlaintweet @helen_abfinance @Doro_mole @Hicker_Moledao I'm so lucky to work with you🌱

@trq212 It won’t be long before AI can summarize human intent against the actual territory, and start telling you about your own unknowns /unprompted.

G-SIBs = Globally Systemically Important Banks. Only around 30 of them globally, and face the strictest regulatory standards. A clear signal: institutional adoption of USDC is still accelerating. Recently, Open USD just made a big move to challenge USDC’s profit model. Now, Circle responded fast, with real implementation.

Circle 🤝 Standard Chartered @StanChart has launched institutional USDC minting and redemption through DIFC, becoming the first G-SIB to offer institutional access to USDC through a regulated banking channel. A major milestone for institutional stablecoin adoption. circle.com/pressroom/stan…

@jerallaire 反击来了，反击来了

Standard Chartered becomes the first GSIB to offer direct USDC liquidity as a bundled service for institutional clients. Demand from major banks to offer USDC continues to grow, corresponding to the growth in on onchain payments and treasury and tokenization.

@chenyan_upup ok

i think ABFinance is shit.

@moledao_io 🥳🥳🥳

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@abf_finance Let's Learn & Build the future together

Today, we're proud to introduce ABF Learn a new education initiative designed to help you understand the future of finance. Meet the experienced mentors leading our first courses, bringing real-world expertise in banking, digital finance, AI, digital assets, and security. 📚 Beginner-friendly. Built for everyone. ✅ Register now: learn.abfinance.com #ABFLearn #ABFinance #Education

@Joi2James learn.abfinance.com/en-USA/learn-p…

Let me be your first customer. Drop your website/app.

@VKESH_AD Sounds great, added!

I’m very interested in working with your team and exploring the KOL, influencer, and moderator opportunities you’re offering. I believe my skills, experience, and passion for community engagement make me a strong fit for these roles. I’m eager to contribute by creating impactful content, supporting campaigns, and helping foster a positive, engaging community. I value collaboration and would love the opportunity to work closely with your team to achieve shared goals and bring meaningful results. I look forward to the chance to contribute, learn, and grow together as part of your team. I'm @VKESHOO1 on TG 🙌

最近很火的一个概念：Loop Engineering 一个 Loop，需要五个模块+memory一个 loop 需要五样东西，外加一个记忆的地方： ① Automations：按计划自动触发，独立完成发现和分类（triage）工作 ② Worktrees：让并行运行的多个智能体互不干扰 ③ Skills：把项目知识写下来，让智能体不用每次都靠猜 ④ Plugins 和 Connectors：把智能体接入你已经在用的工具 ⑤ Sub-agents：一个负责生成，另一个负责检查 现在CodeX和Claud Code都有相关技术支持 原文 @addyosmani addyosmani.com/blog/loop-engi…

@marconoiz AI Agents

Founders👋 what are you building right now? - SaaS - AI - Automation - Web Apps - Developer - Tools Drop it below 👇