#fintech
Explore financial technology innovations and digital banking solutions
Embedded cards underwrite from live sales data instead of your FICO score — faster approval, but floating limits and exit terms to read first.
Bluevine now onboards foreign-resident US business owners fully remotely — but every foreign-owned LLC still owes Form 5472 or faces a $25,000 penalty.
Klarna earned $9M in Q2 2026 on $1.04B of revenue, but a $69M loan-sale gain did the work; $11.7B of deposits equal 120% of its $9.8B loan book.
Nubank earned $1.06B in Q2 2026, its first $1B quarter: 138.9M customers at a $1 monthly cost to serve, a 22.9% NIM and $6.59B of loss allowances.
Stripe Atlas founders can open a Rho business account before the IRS issues their EIN — route startup costs through it to keep Section 195 deductions clean.
Revolut Business Scale costs $180/month ($1,680/year) in 2026, not the $119 roundups quote — plus price history and Grow-vs-Scale break-even math.
Airwallex bundles billing at no added cost while Stripe Billing charges 0.7% of subscription volume — but the FX spread, 0.4–0.7 points wider, costs more.
Rippling's Business Banking pairs same-day payroll with 2.25% APY checking — judge the custody, lock-in, and fine print before switching.
Tajikistan now debits 3% from e-wallet, QR and mobile payments — over 10 payments a day from different senders can register you as an entrepreneur.
Adyen paid $335M for Orb because usage-based pricing went mainstream: 42% of SaaS offer it, top-quartile NRR is 122%. A 3-question test and 5 launch mistakes.
The GENIUS Act of July 2025 created the first federal licensing regime for dollar-backed payment stablecoins, with full rules expected by January 2027. Small businesses gain seconds-fast, low-fee settlement — but every stablecoin receipt is property income with basis tracking, and broker sales are now reported to the IRS on Form 1099-DA.
Mercury Command, launched June 16, 2026, lets founders run business banking in plain English — checking cash, changing transfer rules, categorizing transactions, and sending invoices — with every action staged for explicit human approval. This guide explains what it does, the agent-card spend controls that followed, and the adoption checklist small businesses need before granting AI payment access.
