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Archive · February 17, 2026

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Story 01

JPMorgan and Nacha Collaborate on Blockchain Data Sharing

JPMorgan and Nacha are collaborating to use blockchain technology for simplifying account verification processes for JPMorgan Chase customers, enhancing efficiency and security in data sharing. This initiative could set a new standard for data verification in banking, potentially giving JPMorgan a competitive edge in customer experience and security. Other banks may explore blockchain for similar uses, leading to industry-wide adoption and new regulatory considerations. While blockchain is touted for security, the complexity and cost of implementation may outweigh benefits in the short term.

Source: Banking Dive
Also Worth Knowing
№02

Stablecoin Use Grows as Everyday Money

A global study finds that stablecoins are increasingly used for everyday spending, cross-border work, and savings, reflecting their growing mainstream adoption. Stablecoins could challenge traditional payment methods, prompting financial institutions to integrate crypto solutions. This trend may lead to evolving regulatory frameworks addressing stablecoin use in everyday transactions, impacting compliance requirements. However, stablecoin volatility and regulatory uncertainty could hinder widespread adoption in the short term.

Source: The Block
№03

Real-Time Payments Benefit Contractors

Real-time payments are helping contractors save up to two workweeks a month by reducing payment delays and improving cash flow. Adoption of real-time payments could become a competitive differentiator for payment processors targeting the construction industry. Improved cash flow could lead to more timely project completions and increased profitability for contractors. However, the benefits may be overstated if contractors face other systemic delays unrelated to payments.

Source: PYMNTS
№04

Global Fintech Investment Rebounds

Global fintech investment rebounded in 2025, reaching $116 billion, driven by stronger exit activity and investor confidence. Increased investment could lead to more innovation and competition in the fintech space, pressuring incumbents to adapt. This rebound may pave the way for more fintech IPOs and M&A activity as companies seek to capitalize on favorable market conditions. However, the rebound might be short-lived if macroeconomic conditions worsen, impacting investor sentiment.

Source: Finextra
№05

Wintermute Launches Institutional Tokenized Gold Trading

Wintermute has launched a platform for institutional tokenized gold trading, anticipating the market to reach $15 billion in 2026. This could position Wintermute as a leader in tokenized commodities, challenging traditional gold trading platforms. Increased adoption of tokenized assets in institutional portfolios may influence commodity trading strategies. However, tokenized gold may face regulatory hurdles and skepticism from traditional investors, slowing adoption.

Source: The Block
The Long Memory
“Did you know that the first credit card was made of cardboard? Diners Club introduced it in 1950 after founder Frank McNamara forgot his wallet at a restaurant, revolutionizing the way consumers approached payments.

Filed under: Payments History · The Long Memory

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