Fiserv’s FIUSD Flex Begins🪙
Future of Finance - Edition #169 (24th - 30th June‘ 25)
This week’s fintech is moving like it means it. Platforms are tightening their grip, exits are getting strategic, and new rails are sliding quietly into the stack.
✔️ Credit and payments go native
✔️ Acquisitions sharpen the stack
✔️ Stablecoins step into real flows
Let’s get into the guts of it »
Deep Dive Ahead:
Cracking the Code to B2B Embedded Finance
From tightening cash cycles to unlocking new revenue streams, embedded finance is fast becoming a cornerstone of how corporates operate, grow, and compete.
In our latest collaboration with Toqio, we unpack how B2B Embedded Finance is solving some of the most pressing challenges for enterprises—liquidity constraints, operational inefficiencies, supply chain risks, and more. The focus? Real outcomes that matter: faster access to capital, smarter reconciliation, stronger supplier ties, and higher monetisation potential.
This visual framework maps five core pain points faced by corporates today, and how embedded lending, payments, and financial data are being built directly into business workflows—not around them. It’s not about layering finance on top. It’s about making finance native to how businesses run.
📌 Highlights include:
Embedded levers across lending, BNPL, insurance, and wallets
Use-cases tailored for complex B2B value chains
Outcomes like reduced capital burden, faster cash flow, and data-driven decisioning
Whether you're a platform provider, financial institution, or corporate exploring new monetisation rails, this is your playbook for where embedded finance is heading—and how to move with it.
📥 Explore the full report here: B2B Embedded Finance: Toqio x WhiteSight
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What’s on the fintech menu today?
🌟 Fintech Fiesta: The Week's Hot 10!
🌐 ‘Byte’ Buzz: Fintech highlights, sorted by segment!
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Here comes your fintech fix — Edition #169 is built on new rails, riding open waves, and freshly brewed for global scale.
The Week's Hot 10!♨️🔟
Everyday Spending Gets a Boost
⤷ Zopa launched a new current account combining cashback, savings, and fee-free travel for a streamlined, benefit-rich banking experience.
⤷ Chase rolled out a credit card in the UK with cashback and zero foreign transaction fees to enhance its consumer banking play.
Payment Giants Expand Their Edge
⤷ Visa and FIS partnered to deliver tokenization, fraud tools, and data services to financial institutions through enhanced payment rails.
⤷ Experian added Mastercard’s identity verification capabilities to its platform to bolster decisioning and security infrastructure.
Fintech Strategy Realignments
⤷ Envestnet sold its open finance unit Yodlee to private equity firm STG as part of a strategy to refocus on core advisory services.
⤷ Prosper partnered with Griffin to launch FSCS-protected accounts and streamline infrastructure through Banking-as-a-Service.
New Rails for Digital Commerce
⤷ Xsolla partnered with Affirm to offer “buy now, pay later” options for gamers, simplifying digital purchases with installment flexibility.
⤷ Belvo joined forces with Ualá to enhance credit products using user-permissioned data, unlocking better access for underserved customers.
Digital Assets Go Institutional
⤷ Kraken secured a MiCA license from the Central Bank of Ireland, strengthening its regulated crypto footprint across Europe.
⤷ Fiserv launched FIUSD, a new stablecoin designed for financial institutions to enable real-time, secure payments.
Now, for the ‘byte’-sized fintech buzz –
Embedded Finance is leaning into life's flow, making every tap, and checkout a smooth financial experience without the heavy lifting.
NatWest's Banking-as-a-Service division, Mettle, finalised a deal with Saga to power digital banking services tailored for the over-50s demographic. The goal is to offer Saga-branded digital bank accounts with features suited to older customers.
Klarna integrated with Google Pay, allowing users to access Klarna’s interest-free instalment payments directly within Google Pay at checkout. This makes alternative payment options more accessible across thousands of retail partners.
Open Finance is stepping into the toolkit of everyday business, helping users stay safer, get paid faster, and think less about the back-end.
Experian integrated Mastercard’s Identity Insights into its fraud prevention services to enhance identity verification and risk decision-making, aiming to reduce synthetic identity fraud and improve financial security.
GoCardless partnered with FreeAgent to deliver a new integrated payment solution that automates invoice payments for small businesses, streamlining cash flow management and reconciliation.
Digital Finance is riding a global wave with a local lens, bringing full-stack banking to new markets—no branches required.
Revolut signed a deal to acquire Banco Cetelem in Argentina, securing a banking license in the country to support its Latin American expansion plans.
BBVA launched a new fully digital bank in Germany, providing banking services through a mobile-first platform and marking its latest European expansion effort.
Fintech Infrastructure is evolving fast, layering smarter systems into the rails that keep money moving, both locally and across borders.
Xero acquired Melio, a B2B bill payments platform, for $2.5B to strengthen its accounts payable capabilities and expand its small business financial services.
Unlimit expanded its partnership with Visa in Mexico by introducing local card issuance capabilities, aiming to enhance its suite of cross-border and local payment solutions.
Digital Assets are scaling their presence in the mainstream, linking up with legacy rails and locking down the pipes for regulated crypto flows.
Chainlink and Mastercard partnered to enable direct crypto purchases on-chain for Mastercard users, integrating blockchain oracles with traditional card networks to simplify Web3 adoption.
Fiserv and PayPal expanded their partnership to advance stablecoin-based transactions, combining PayPal’s PYUSD with Fiserv’s payments infrastructure for enhanced speed and accessibility in digital commerce.
And that's a wrap 👋
We hope you enjoyed this edition of the Weekly Fintech Brew!
As a reward for making it this far, enjoy a curated list of awesome fintech resources to keep your curiosity cuppa full to the brim. Cheers to continuous learning!
🔗 Link Up! –
The use of cryptocurrency in business Report- Deloitte
Why SME banking matters Report- Backbase
How AI will change banking forever - Part 1 Blog- Solaris
The case for “Pay by Bank” as a global term Blog- Tink
Reimagining Digital Banking for SMEs Report - WhiteSight + Zazu
If you're someone who likes to read think pieces, you will likely love our monthly blog, Fintersections, where our team members analyse the convergence of fintech with the world.
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