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Archive · July 20, 2026

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Story 01

ACI Worldwide Eyes Billing Division Sale as Payments Software Demand Surges

ACI Worldwide is exploring the sale of its billing division, aiming to focus on its core real-time payments and fraud prevention offerings. The move could benefit competitors like FIS and Fiserv by opening opportunities to acquire enterprise billing clients, while buyers may use the asset to strengthen their own recurring revenue streams in the billing software market.

Source: PYMNTS
Also Worth Knowing
№02

Lumin Digital Secures $70M in Client-Backed Funding, Pioneering New Fintech Capital Model

Lumin Digital raised over $70 million directly from its credit union clients, setting a precedent for cloud banking platforms to deepen customer-investor ties. Other digital banking providers, such as Alkami and Q2, may consider similar funding models to boost client loyalty and long-term engagement.

Source: Finextra
№03

Bank of America Elevates AI and Crypto Leadership to Accelerate Digital Strategy

Bank of America promoted new executives to lead its AI and crypto initiatives, signaling plans to launch programmable payments and digital asset services for corporate and retail clients. These changes could intensify competition with JPMorgan and Citi, while prompting faster product cycles and new compliance challenges for large banks.

Source: PYMNTS
№04

Hyperliquid’s HIP-4 Proposal Enables Permissionless Outcome Markets With Token Staking

Hyperliquid introduced HIP-4, letting developers launch outcome markets by staking 500,000 HYPE tokens, which could rapidly expand the number and diversity of markets on the platform. This approach may attract independent DeFi builders seeking lower entry barriers, while established protocols risk losing developer mindshare if they maintain stricter controls.

Source: The Block
№05

Japanese Logistics Firm Uses JPYC Stablecoin for Faster Contractor Payments Amid Labor Crunch

A Japanese logistics company is using the JPYC stablecoin to pay contractors instantly, aiming to attract more partners during a labor shortage. This deployment highlights how digital assets can address payment delays in logistics, and may encourage other firms in manufacturing and supply chain sectors to experiment with stablecoins for operational efficiency.

Source: The Block
The Long Memory
“The GoDirect program not only reduced check fraud but also unexpectedly boosted financial inclusion by helping unbanked federal benefit recipients open their first bank accounts.

Filed under: Payments History · The Long Memory

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