Adam Atlas

ISOs and Payment Processors not #MSBs: #FinCEN. #AdamAtlas assists in clarifying key U.S. #payments law issue. fincen.gov/news_room/rp/r…

@gaspardlezin pairs well with this payment processor family tree docs.google.com/drawings/d/1ZE…

I don't say this lightly: @anthonynoto is one of the most visionary leaders in fintech. The clarity of his thinking, the speed of execution, the ambition he brings to everything @SoFi touches. Genuinely rare. This week he mentioned @meshpayments as SoFi's commercial payments partner on @basispointpod . Hearing that from someone I respect this much means the world to me and to everyone at Mesh. Grateful for the partnership. Excited for what we build together.

@harleyf ❤️

Peak Montreal right now. There’s nowhere like it.

@mikulaja not adamatlas.com. consequences 🤠😆

I guess BaaS consent orders are still a thing! CFSB has partnered with higher-risk programs like Airwallex, Wise, Nomad, and Chipper Cash, as well as TomoCredit and Revolut.

@mikulaja i spent years hearing that from clients back in the synapse days things were simpler back then only one baas platform and only one bank

"Synapse is gonna f— everything up," Yotta CEO Adam Moelis worried before the so-called brokerage migration, per just released California DFPI consent order w/the company. "I don't trust Sankaet," "Synapse constantly lies." Full story in today's Fintech Business Weekly.

The DFPI’s Digital Financial Assets Law (DFAL) application portal is now open. Digital asset companies offering most crypto-related services in CA must submit a completed application by July 1, 2026, to continue operating in the state. Learn more: hubs.li/Q04gHVCM0.

Join me to discuss the Clarity Act!

@FerdiDabitz neat bitcoin.law

full convo here cnbc.com/video/2026/05/…

Thanks @andrewrsorkin @JoeSquawk for having me on cnbc. Long live augustus!

@AlexH_Johnson i just met a vc that does a ton of research starts a business then hires the young founder 🙃

One of the sneaky best businesses to get into in fintech is babysitting. VCs prefer to invest in founders who are young and inexperienced (not sure why, but they do). U.S. financial services regulators are very averse to allowing companies led by young and inexperienced people to touch anything that would pose a risk to safety and soundness. The solution is to let the young and inexperienced people be in charge of the companies, but to hire older and more experienced people (who, ideally, also have personal relationships with regulators) to babysit them. Law firms, consulting firms, and investment banks that specialize in serving fintech companies have figured this out. Former regulators and bank executives who are willing to join, advise, and/or invest in fintech companies have figured this out. The demand for fintech babysitting has always been present, but it has increased meaningfully over the last 18 months, as regulators have signaled a willingness to allow fintech companies to move further within the regulatory perimeter. These regulators *want* to say yes, but they need cover. The babysitters provide it. It's lucrative work, though perhaps unsatisfying if you are looking for a long-term role where your expertise is genuinely valued and acted upon.

@Cointelegraph meet bitcoin.law

Give your best crypto advice.

Fintechs: the quantum clock is ticking. RSA/ECC will break. The real risk is harvest now, decrypt later—data stolen today, unlocked tomorrow. If you handle payments, wallets, or KYC, start now: • Inventory crypto use • Build crypto agility • Pilot hybrid (classical + PQC) • Push vendors on PQ readiness This is a governance + regulatory issue, not just technical. #Fintech #Cybersecurity #PostQuantum #PQC

🇧🇷 LATEST: Brazil's central bank bans stablecoin and crypto settlement in cross-border payments, effective October 1.

@atlas adamatlas.com naturally interested

Startup formations are at a record high. More companies incorporated on Atlas in Q1 than any quarter ever: up 130% year-over-year. (Delaware incorporations up 38% year-over-year).

@AlexH_Johnson maybe investors want to see proof of concept on someone else's license first?

Why? They have a bank charter. The whole point is to get direct access rather than going through a correspondent bank.

@maxkarpis one set of non-transferrable money transmitter licenses between venmo and paypal. one of them will be a api to the other.

Revolut buying Venmo with it's 100M users in the US would be huge gear change for Revolut in US market. Can it afford it, and manage the development afterwards?

@jevgenijs keep in mind the money transmitter licenses that paypal and venmo now share are not transferable

Very curious about who will eventually buy it $PYPL

@mikulaja @nubank when the tide is out you find out which fintechs are just an api

Mini-scoop: @nubank, which has already received conditional approval of its U.S. bank charter, appears to be launching an interim product with Lead Bank, per disclosures available on its site:

@WSJmarkets adamatlas.com waiting for the call

Erebor Bank, which will cater to startups and high-net worth individuals, on Friday became the first to receive a national bank charter under the second Trump administration on.wsj.com/3O2PidR

@mikulaja @ereborbank nex de gen baas apis at it like rabbits i can't keep up #gid=1288811708" target="_blank" rel="nofollow noopener">docs.google.com/spreadsheets/d…

Mini-scoop: @ereborbank is leveraging Coastal Community Bank as a correspondent, per an investor presentation Coastal filed with the SEC earlier this week:

@patrickc time to hire adamatlas.com

Stripe Atlas just hit 100,000 all-time incorporations. Q1 2026 is +130% Y/Y.