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Archive · January 11, 2026

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Story 01

Ripple's FCA Authorization Signals Stronger Competition in UK Cross-Border Payments

Ripple has secured FCA authorization, allowing it to expand its platform in the UK, enhancing its cross-border payment solutions. This move positions Ripple to challenge traditional banking systems and intensify competition in the cross-border payments market. As Ripple gains traction, traditional banks may need to innovate or risk losing market share to agile fintechs. Watch for potential partnerships with UK banks that could further disrupt the payments landscape.

Source: The Block
Also Worth Knowing
№02

BNY Mellon's Tokenized Deposit Service Sets New Standard for Institutional Payments

BNY Mellon has launched a tokenized deposit service, enabling blockchain-based payments and collateral for institutional clients. This positions BNY Mellon as a leader in integrating blockchain technology into traditional banking services, potentially increasing blockchain adoption across the financial sector. Other financial institutions may follow suit, leading to a broader acceptance of tokenization in banking. However, skepticism about security and regulatory compliance could pose challenges.

Source: The Block
№03

UK FCA's Crypto Licensing Plans Could Boost Market Confidence and Innovation

The UK Financial Conduct Authority plans to open its crypto licensing application period in September 2026, ahead of a new regulatory regime. This initiative could enhance the UK's position as a crypto-friendly jurisdiction, attracting more firms and investment into the market. Increased regulatory compliance costs for crypto firms may arise, but the potential for innovation in compliance solutions could offset these challenges. Watch for how this regulatory clarity influences market dynamics.

Source: The Block
№04

Digital Euro Initiative Gains Momentum Amid Calls for Financial Sovereignty

Economists, including Thomas Piketty, are urging the European Parliament to support the digital euro project as a countermeasure against US monetary control. This initiative could challenge the dominance of the US dollar in international trade, potentially shifting economic power dynamics. Increased innovation in digital currency infrastructure within Europe may follow, but implementation challenges could arise from traditional banking sectors. This reflects a broader trend of central banks exploring digital currencies.

Source: Financial Times
№05

Plaid's Strategic Hire of Former FDIC Chief Enhances Regulatory Compliance Focus

Plaid has hired former FDIC chief Jelena McWilliams as president of corporate and external affairs, emphasizing its commitment to regulatory compliance and innovation. This move could strengthen Plaid's regulatory strategy and enhance its credibility with financial institutions. As fintechs face increasing scrutiny, this hire may influence regulatory policies and increase compliance focus across the industry. This trend of bolstering regulatory expertise is becoming crucial for fintech success.

Source: Banking Dive
The Long Memory
“Did you know that the digital euro initiative is seen as a potential countermeasure against US monetary dominance?

Source: Financial Times ↗