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Archive · February 27, 2026

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Story 01

Revolut Joins FCA's Stablecoin Testing Cohort, Paving Way for Regulatory Clarity

The FCA has selected Revolut, Monee Financial Technologies, ReStabilise, and VVTX to test stablecoin innovations in its regulatory sandbox. This means that successful tests could position these companies as leaders in the stablecoin space, influencing future regulatory frameworks. As a result, fintechs involved may gain a competitive edge in the evolving stablecoin market. Expect increased regulatory clarity and potential mainstream adoption of stablecoins in the UK.

Source: Finextra
Also Worth Knowing
№02

Visa's AI Integration Strategy Sets New Industry Benchmark

Visa is reportedly leading the payments industry's race to integrate AI, with Mastercard and PayPal close behind, according to a new global benchmark. This integration could enhance fraud detection and operational efficiency, giving Visa a competitive edge in the market. Smaller players may struggle to keep pace with this rapid adoption of AI technologies. Expect accelerated AI adoption across the industry, reshaping competitive dynamics.

Source: Finextra
№03

US Regional Banks Collaborate on Blockchain-Based Tokenised Deposit Network

Five regional US banks have collaborated to create a blockchain-based platform for tokenised deposits. This move could enhance operational efficiency and attract tech-savvy customers, challenging traditional banking models. As these banks innovate, they may set a precedent for others in the industry to follow. Expect increased interest in blockchain solutions from other banks and potential regulatory scrutiny.

Source: Finextra
№04

Payoneer Seeks National Trust Bank Charter to Expand Services

Payoneer has applied for a national trust bank charter with the OCC, joining other fintechs seeking banking licenses to issue and custody stablecoins. This move could enhance Payoneer's credibility and expand its service offerings in a competitive landscape. However, regulatory hurdles and compliance costs could outweigh the benefits of obtaining a charter. Expect more fintechs to pursue banking licenses, potentially blurring the lines between fintech and traditional banking.

Source: Banking Dive
№05

New York Proposes BNPL Regulations, Impacting Providers and Consumers

New York state has proposed new rules for buy now, pay later (BNPL) providers, establishing a licensing and supervision framework. This regulation could level the playing field but may also increase compliance costs for BNPL providers. As a result, some providers may struggle to adapt to the new landscape. Expect other states to follow suit, potentially leading to a patchwork of regulations across the US.

Source: Finextra
The Long Memory
“Did you know ACH began as a way to replace paper checks in the 1970s, and now it moves trillions electronically each year?

Filed under: Payments History · The Long Memory

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