Sendsprint

Sendsprint's Market Entry Toolkit is that bridge you need to launch fast in the US Market. Our founder, Damisi Busari, shares more details on what you need to know about our infrastructure. Contact us now via #diaspora" target="_blank" rel="nofollow noopener">sendsprint.com/contact-sales#… to get started with us. #crossborderpayments #internationalpayments #moneytransfer #crossborderpaymentsinfrastructure #remittanceservices

@oost_marcel @Revolut A massive step forward for them 👏

𝙎𝘾𝙊𝙊𝙋 👀: @Revolut files for a U.S. 🇺🇸 bank charter! And appoints a new CEO to lead the push: The $75B FinTech with 70M+ customers has officially applied for a U.S. national bank charter with the OCC and FDIC, a major step in its push to become the world’s first truly global banking platform. If approved, Revolut Bank US, N.A. would allow the company to: • Operate nationwide under a single federal framework • Access key payment rails like ACH and Fedwire directly • Offer FDIC-insured deposits • Launch lending and credit cards to unlock net interest margin At the same time, Revolut also appointed Cetin Duransoy (ex-Raisin, Capital One, Visa) as U.S. CEO to lead the expansion. The timing is interesting. Revolut already serves 70M+ customers globally, is targeting 100M by 2027, and was last valued at $75B after a secondary share sale in 2025. But cracking the U.S. banking market has historically been one of the hardest things for fintechs to do. If they succeed, this could be a huge strategic unlock. More about this in my newsletter!

@CyprxResearch In fact, APIs remains the bridge that connects both world

One of the biggest myths in intelligent banking: “APIs don’t matter anymore.” They matter more than ever. Banks are shifting from a product and channel model to a capability and platform model. Old world: APIs connect front-end apps to internal systems. New world: APIs are the commercial interface of the bank embedding payments, lending, KYC, treasury, and risk into external platforms and AI-driven workflows. If APIs become the product surface, they need an operating layer. That’s where an API marketplace comes in: - Central catalog of capabilities - Clear docs, pricing, and usage plans - Sandbox access for partners - Structured onboarding flows - Access control and rate limits - Billing and monetisation built in This isn’t just a developer portal. It’s distribution infrastructure. Most banks struggle because discovery, identity, pricing, billing, and compliance must function as one coordinated product. The strategic shift: Stop treating APIs as plumbing. Start treating them as packaged capabilities. In intelligent banking, the edge won’t come from having the most APIs but from knowing how to package, distribute, and monetise them at scale.

@NachaOnline This is a good one from NACHA 👏

The rise of AI means ACH operations are on the brink of a new era. From strengthening fraud protection to reducing the amount of time needed for staff to manually review transactions, AI can take your financial institutions’ operations to the next level. 🧵

@NachaOnline A good question that every fintech must answer is that third line… always!!!

National Consumer Protection Week is here (March 1–7)! Payments Innovation Alliance + external consumer protection resources: hubs.la/Q0453BLz0 How are you protecting your customers? #NCPW #PaymentsInnovationAlliance #ConsumerProtection

@defyneric This solidifies fiat infrastructure more, for speed

crypto has officially graduated from gambling to a serious financial system everyone in the space should be insanely proud of themselves especially everyone in the neobank sector

@Paxos At the end, utility of fiat remains unchanged

Tackling scam ads like this, at the source, is a game-changer for fintechs too because Social media scams drive so many fraudulent transfers and remittances, hitting consumers and payment providers hard. Stronger upstream prevention like this means fewer downstream losses, safer rails, and more trust in cross-border payments. This is a good move 👏

Watch - @BankersPrez at #ABACCB on why the bipartisan SCAM Act, which will require social media companies to take reasonable steps to remove scam acts from their platforms, is a “major step in the right direction” in the fight against fraud.

@bankpolicy This is another reason why all companies should never joke with their compliant infrastructure

$16.6 billion was lost to internet crime in 2024, per the FBI. The current patchwork defense isn't working. BPI is calling for a National Anti-Scam Strategy that aligns accountability across the government, technology and telecom sectors to prioritize fraud prevention. Learn more: usagainstfraud.com

@CaliforniaDFPI This simple diagnostic will really be helpful to founders too (when it comes to launching a MSB), and not just individual consumers

Knowing how to budget is the very first step to saving. Follow these tips to start: • Determine your financial goals. • Choose a budget method. • Take it slow and steady – set realistic goals. Read more: hubs.li/Q0429MHz0.

@businessfront @financeinafrica @MuyoSan @AB_convention This is a very profound view that clearly supports the need for every company to ensure that their foundation is built to support trust earning e.g. making compliance a step one and priority in every steps taken

“Earning the trust of your customers, building legacy, and showing up with consistency have proven to be the most sustainable way to build a business.” Marbled words from @muyosan, CEO of @businessfront, at the just concluded Africa Business Convention.

@kingidee Congratulations, Grey Finance 👏

@segunhq Thank you for spotlighting us on the map 😎 This is an amazing and good work done 👏

Nigeria Fintech Map 2025 is live. 🚀 505 companies. 12 categories. ~17% YoY growth. Biggest momentum came from FX, B2B payments, and cross-border remittances. For the first time, the map now has a home 👇 nigeriafintechmap.com #NigeriaFintechMap2025 #Fintech #Nigeria

@StoneAtwine You can reduce your spending if you’re going into the US market through our compliant market entry infrastructure

Compliance will be your highest single cost in B2C.

@defyneric @matveevp Yes we are, and we provide regtech infrastructure that helps other build compliantly for the US market too 😃

@UseSendSprint @matveevp the question is is Sendsprint compliant?

@defyneric @matveevp Nobody wants to be found non-compliant at the end of the day 🤧

@UseSendSprint @matveevp very hard to find an issuer, failed 90% of all the compliance tests i had to go through, no banks or providers want to work with you

@defyneric @matveevp How was the compliance process management for you?

@matveevp i ran a no kyc card business, brutal industry to be in.

@business What would the new compliance demands for this ‘merger’ look like?

Deutsche Bank will incorporate its HausFX software with BlackRock’s Aladdin portfolio-management system bloomberg.com/news/articles/…

@oost_marcel @tether The huge amount of work these entities would have done to stay compliant since inception is really incredible 👏

The 20 Most Valuable Private FinTechs in the World 👇 See who made the list: Here’s the 𝗚𝗹𝗼𝗯𝗮𝗹 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗙𝗶𝗻𝗧𝗲𝗰𝗵 𝗥𝗮𝗻𝗸𝗶𝗻𝗴, featuring the Top 20 private FinTech companies globally, ranked by estimated valuation (as of January 2026): 1 – @tether 🔹 Segment: Stablecoin 🔹 Founded: 2014 | HQ: El Salvador 💰 Valuation: $500B 2 – @stripe 🔹 Segment: Payments (API) 🔹 Founded: 2010 | HQ: USA & Ireland 🦄 Unicorn: 2014 (4 years) 💰 Valuation: $106.7B 3 – @AntGroup 🔹 Segment: Payments 🔹 Founded: 2004 | HQ: China 🦄 Unicorn: 2015 (11 years) 💰 Valuation: $103–104B 4 – @Revolut 🔹 Segment: Neobank 🔹 Founded: 2015 | HQ: UK 🦄 Unicorn: 2018 (3 years) 💰 Valuation: $75B 5 – @binance 🔹 Segment: Crypto Exchange 🔹 Founded: 2017 | HQ: United Arab Emirates 🦄 Unicorn: 2025 (6 years) 💰 Valuation: $62B 6 – @Ripple 🔹 Segment: Crypto Payments 🔹 Founded: 2012 | HQ: USA 🦄 Unicorn: 2014–2016 (2–4 years) 💰 Valuation: $40B 7 – @Webank 🔹 Segment: Digital Bank 🔹 Founded: 2014 | HQ: China 🦄 Unicorn: 2016 (2 years) 💰 Valuation: $32.4B 8 – @tryramp 🔹 Segment: FinTech / FinOps 🔹 Founded: 2019 | HQ: USA 🦄 Unicorn: 2021 (2 years) 💰 Valuation: $32B 9 – JD Digits 🔹 Segment: FinTech Infrastructure 🔹 Founded: 2013 | HQ: China 🦄 Unicorn: 2020 (7 years) 💰 Valuation: $30B 10 – @Citadel Securities 🔹 Segment: Market Maker 🔹 Founded: 2002 | HQ: USA 🦄 Unicorn: 2022 (20 years) 💰 Valuation: $22B 11 – @FNZ_Group 🔹 Segment: WealthTech 🔹 Founded: 2003 | HQ: UK 🦄 Unicorn: 2019 (16 years) 💰 Valuation: $20–21B 12 – @krakenfx 🔹 Segment: Crypto Exchange 🔹 Founded: 2011 | HQ: USA 🦄 Unicorn: 2023 (12 years) 💰 Valuation: $20B* 13 – @traderepublic 🔹 Segment: WealthTech 🔹 Founded: 2015 | HQ: Germany 🦄 Unicorn: 2021 (6 years) 💰 Valuation: $14.6B 14 – @PhonePe 🔹 Segment: Mobile Payments 🔹 Founded: 2015 | HQ: India 🦄 Unicorn: 2018 (3 years) 💰 Valuation: $14.5B 15 – @onegoodleap 🔹 Segment: Lending 🔹 Founded: 2003 | HQ: USA 🦄 Unicorn: 2021 (18 years) 💰 Valuation: $12B 16 – @Checkout .com 🔹 Segment: Payment Gateway 🔹 Founded: 2012 | HQ: UK 🦄 Unicorn: 2019 (7 years) 💰 Valuation: $12B* 17 – @Polymarket 🔹 Segment: Prediction Markets 🔹 Founded: 2020 | HQ: USA 🦄 Unicorn: 2025 (5 years) 💰 Valuation: $11.6B 18 – @Kalshi 🔹 Segment: Prediction Markets 🔹 Founded: 2018 | HQ: USA 🦄 Unicorn: 2025 (7 years) 💰 Valuation: $11B 19 – @HeyBilt Rewards 🔹 Segment: Payments / Rewards 🔹 Founded: 2012 | HQ: UK 🦄 Unicorn: 2019 (7 years) 💰 Valuation: $10.75B 20 – Dunamu (Upbit) 🔹 Segment: Crypto Exchange 🔹 Founded: 2012 | HQ: South Korea 🦄 Unicorn: 2018 (6 years) 💰 Valuation: $10.27B I higly recommend reading the complete blog post with more info & stats: bit.ly/4bKyWAw Did I miss anything?

@oost_marcel What about regtechs?

Here's an introduction to 𝐓𝐡𝐞 𝐊𝐞𝐲 𝐏𝐥𝐚𝐲𝐞𝐫𝐬 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 Behind every card transaction there is a coordinated set of players: Each with a unique role. 𝐈𝐬𝐬𝐮𝐞𝐫𝐬: Issuers are banks or financial institutions that provide cards directly to consumers. ► Key Functions: → Underwrite and approve new cardholders → Furnish credit, debit, or prepaid cards → Authorize and clear transactions in real-time ► How They Make Money: From interchange fees, annual card fees, interest on revolving credit, and FX markups. ► Examples: Citi, UBS, ING, TD, Deutsche Bank, Chase 𝐀𝐜𝐪𝐮𝐢𝐫𝐞𝐫𝐬 Acquirers are responsible for enabling businesses to accept card payments. ► Key Functions: → Set up and manage merchant accounts → Process card transactions and settle funds to merchants → Manage chargebacks and fraud risk ► How They Make Money: Through processing fees, gateway charges, and often value-added services (fraud protection, analytics) ► Examples: @Checkout , Worldpay, @Nuvei 𝐂𝐚𝐫𝐝 𝐍𝐞𝐭𝐰𝐨𝐫𝐤𝐬 Card networks serve as the central infrastructure layer between issuers and acquirers. ► Key Functions: → Route transaction requests between issuer and acquirer → Establish dispute resolution protocols → Set interchange and assessment fees → Manage card branding and acceptance standards ► How They Make Money: Card networks earn scheme fees, cross-border fees, and fraud assessment charges ► Examples: Visa, Mastercard, American Express 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐆𝐚𝐭𝐞𝐰𝐚𝐲𝐬 Gateways act as the secure portal through which card data travels from the consumer to the acquiring bank. ► Key Functions: → Route transactions to the appropriate processor → Offer tools for fraud prevention, 3DS, and retry logic → Provide dashboard and reconciliation interfaces to merchants 𝐍𝐨𝐭𝐞: The tokenization process may be performed by 3rd Party vault VGS, Acquirer Checkout .com, Gateway DEUNA, and Merchant... ► How They Make Money: Gateways charge monthly platform fees, per-transaction fees, and revenue-sharing arrangements ► Examples: DEUNA, CellPoint Digital 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐀𝐠𝐠𝐫𝐞𝐠𝐚𝐭𝐨𝐫𝐬 Aggregators combine payment services into a single offering, especially for smaller merchants ► Key Functions: → Act as Merchant of Record (MoR), processing under their own MID → Aggregate transactions across merchants → Handle onboarding, settlement, and risk management ► How They Make Money: Profit from higher per-transaction fees and managing float ► Examples: @PaddleHQ , @stripe , PayU — ► Check out Edition 1: The Types of Cards: bit.ly/3N82j5i ► Check out my newsletter for more Payments News & Insight: bit.ly/4mdogfB Sources: Travel & Payments, and a BIG thanks to my mate Arthur Bedel for writing this piece 👌

@ReutersBiz This could be great news for crossborder trade-enabling startups from Africa

President Trump signed a law extending a preferential trade program for Africa through December 31, effective retroactively from September 30, 2025, the chief US trade negotiator said. More here: reut.rs/49Xig7x