The Paypers

Our flagship 𝐎𝐩𝐞𝐧 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐑𝐞𝐩𝐨𝐫𝐭 (9th edition) is now live! This year’s report features exclusive insights from top industry voices, in-depth regional breakdowns, and a global mapping of key players in the industry driving the next wave of innovation in financial data, payments, and APIs. 𝐖𝐡𝐚𝐭’𝐬 𝐢𝐧𝐬𝐢𝐝𝐞 𝐭𝐡𝐞 2025 𝐞𝐝𝐢𝐭𝐢𝐨𝐧? Discover how Open Finance evolves across Europe, North America, Latin America, and the Eastern Hemisphere, from regulation to real-world examples. Dive deeper into: 🔹🇪🇺 Europe’s regulatory evolution (PSD3 and FIDA), 🔹🇧🇷 Brazil’s five-year Open Finance journey and measurable impact, 🔹How 🇦🇺 Australia, 🇸🇬 Singapore, and 🇮🇳 India push innovation beyond compliance, 🔹Unique emerging use cases explained, 🔹A global mapping of leading industry players. Open Finance is no longer just a regulatory initiative; it’s a global movement reshaping financial access, inclusion, and value creation. Whether you’re a bank, fintech, policymaker, or tech provider, this report offers the insights, context, and connections you need to stay ahead. Download your free copy of the Open Finance Report 2025 and discover how openness redefines the future of financial services. 👉 buff.ly/aYoCtp1

A former @jpmorgan Head of AI and a @Google AI veteran just came out of stealth with $7M ▶️ Obin AI is building agentic AI for financial institutions that works inside existing audit and compliance boundaries. 🗨️ Read more: buff.ly/5IXhp2S

The hardest part of expanding into Europe is not the product; it is the licences. @tryramp just solved that in one move ▶️ acquiring Billhop for its UK and Swedish regulatory authorisations, bringing regulated infrastructure, local offices, and an existing European customer base under one roof. 🗨️ Read more: buff.ly/lhjErpX

The @SECGov 🤝 @CFTC ▶️ joint interpretation clarifying which crypto assets are securities, which are commodities, and which are neither. This is the regulatory clarity the crypto industry has been demanding for years. 🗨️ Read more: buff.ly/HhI00TB

Sending $5 and paying $3 in gas is not a payment rail. It's a tax on small transactions. @Plasma launched with a dedicated zero-fee lane for USDT. @Cryptorefills just plugged into it. Flights, hotels, gift cards ▶️ payable in USDT, no fees, no fiat conversion needed. 🗨️ Read more: buff.ly/HIwJVnc

Teleshopping for the new gen: livestream commerce. From TV then to @tiktok_us feeds now, entertainment, community, and commerce are yet again colliding. As brands reinvent consumer engagement, @IreneSkrynova, Chief Customer Officer at @Unlimit_com, in the Paypers’ 𝐆𝐥𝐨𝐛𝐚𝐥 𝐄𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐑𝐞𝐩𝐨𝐫𝐭 2026, explains which aspects to prioritise when revamping an ecommerce strategy. ‘When users are engaged, the process simply has to be view – click – buy. ‘ Read the full article on page 22 of our free report to understand what brands must get right. ➡️ buff.ly/VVSh7OV

Every new merchant in your portfolio = more compliance exposure = more manual checks = more headcount. Kyp.io's WebCompli just challenged this equation ▶️ automated monitoring across @Mastercard, @Visa, and @TheFCA frameworks, with audit trails logged automatically and escalations only when something actually warrants it. 🗨️ Read more: buff.ly/4V7KupL

@Nexway 4/ The shift in mindset: when operational complexity is managed effectively, global expansion stops being a challenge and becomes a growth lever. One contract, end-to-end coverage, and a partner whose success is directly aligned with yours.

3/ Regional complexity is real: Europe's intricate VAT systems, Latin America's tax rules and higher fraud exposure, Asia-Pacific's fragmented payment ecosystem. A MoR handles these variations behind the scenes so teams can focus on customer demand and strategy, not administrative firefighting.

🧵 Expanding globally? The hidden killers aren't marketing, or logistics costs ▶️ it's VAT compliance across jurisdictions, fragmented payment integrations, and chargebacks consuming months of internal resources. @Nexway COO Sergey Solskiy explains how the Merchant of Record model changes this 👉 buff.ly/n8SLOUd

.@stripe. @paradigm. @AnthropicAI. @OpenAI. @Visa. @Mastercard. @Revolut. @Shopify. @DoorDash. @nubank. @StanChart. That's the partner list for @tempo and MPP ▶️ a new blockchain and open payment standard built for letting AI agents spend money. 🗨️ Read more: buff.ly/UnL8Umb

$15 billion ▶️ $9–10.5 billion ▶️ 'we'll wait'. @PhonePe is blaming geopolitical instability and market volatility. But the valuation slide before the delay even happened tells its own story. 🗨️ Read more: buff.ly/UCO78SN

.@Walmart got patents for AI-powered pricing tools. 👀 At the same time, US senators are trying to BAN the electronic shelf labels Walmart is installing in all 4,600 of its stores. Is algorithmic grocery pricing the next big consumer battleground? 🗨️ Read more: buff.ly/rlM60Mp

4/ A provocative take on regulation: focusing primarily on reimbursement risks creating moral hazard. The real need? Cross-industry data exchange, accountability for platforms hosting scam ads, pre-screening of financial promotions, and faster victim reporting tools. Ecosystem defense, not isolated responsibility.

3/ External partnerships matter as much as internal tools. @ing_ro worked with regulators, telcos, and law enforcement to block landline spoofing in Romania from mid-2023 onward. Fraud flows through social media, telecom networks, and payment rails ▶️ banks are often the last checkpoint, not the origin.

🧵 One victim. Scammed three times by the same criminal network ▶️ first an investment scam, then a fake tax request, then fraudsters posing as a recovery agency. @ing_ro's Alin Becheanu explains why fraud is no longer a one-off attack 👉 buff.ly/JY3Jp2o

Your bank portal is not a finance strategy. Cortena 🤝 @YapilyLtd ▶️ connect live bank data directly to AI-driven finance workflows, offering real-time cash visibility, automated reconciliation, and zero manual steps. 🗨️ Read more: buff.ly/4W0jWq9