The Fintech Times

JANUARY 28, 2025

For example, take a small merchant in Latin America who might deal in cash almost exclusively because card payments are expensive and settlement takes too long. Blanket policies often favour larger corporations, as they have the resources to navigate compliance. For smaller fintechs, these same rules can become roadblocks.

Service Provider 59

Service Provider FinTech Underserved Innovation 59

The Payments Association

APRIL 28, 2025

Triple Threat Challenge Landscape Regulatory compliance, customer needs understanding, and digital transformation each represent 11% of reported challenges, creating unprecedented pressure from all fronts simultaneously. Real-time payments and digital currencies follow, each identified by 8% of respondents.

Cross-Border Payments 88

Cross-Border Payments Cross-Border Digital Currency Financial Crimes 88

CoinRemitter

MARCH 28, 2025

Faster Settlements: Transactions are processed in minutes rather than days or weeks, which helps businesses improve cash flow management. Regulatory Compliance: Day by day, stablecoins like Tether and EUR-backed digital currencies are aligning more with EU financial regulations.

Stablecoins 52

Stablecoins Payment Gateways Gateways Cryptocurrency 52

Clearly Payments

FEBRUARY 10, 2025

Settlement Delays International payments can take 2-5 days to process due to multiple banking systems involved. Regulatory Compliance Businesses must comply with rules like GDPR (Europe), PSD2 (EU), and AML/KYC laws in various countries. Higher Interchange Fees International card transactions often have 0.5%

Small Business 66

Small Business Process Address Verification System (AVS) Cross-Border 66

Finovate

JUNE 13, 2025

The platform offers instant settlements, high-yield USDC savings of up to 4.1% Among the features of Coinbase Business are: crypto payments with instant settlements, no delays, and no chargebacks; the ability to buy, sell, and exchange crypto directly from the business account; high interest savings of up to 4.1%

Payment APIs and Integration 52

Payment APIs and Integration Stablecoins Small Business Regulatory Compliance 52

The Payments Association

JANUARY 21, 2025

The report notes how stablecoins, supported by regulatory developments, are driving advancements in digital commerce and cross-border transactions. Their price stability, especially when fiat-backed, is proving vital for remittances, settlement processes, and even everyday payments. However, this growth is not without its hurdles.

Payments Trends 88

Payments Trends Financial Crimes Cross-Border Payments 88

Fintech Review

MAY 10, 2025

Better data visibility also supports regulatory compliance, audit preparation, and financial reconciliation for global operations. Global Expansion : Successfully scaling issuing programmes globally requires local regulatory compliance, banking partnerships, and nuanced operational playbooks.

Payment APIs and Integration 52

Payment APIs and Integration Embedded Finance API Regulatory Compliance 52

The Fintech Times

JULY 17, 2025

Our network is designed to simplify the complexities of the wallet ecosystem by offering a unified framework for integration, transaction processing, and settlement across global wallets. So, one of the ‘trickiest’ things we have done and continue to do is building our compliance capabilities. We’re also building for the future.

Cross-Border 45

Cross-Border Cross-Border Payments Interoperability SWIFT 45

The Fintech Times

JULY 17, 2025

HUCH’s platform connects directly to 2,000+ European banks, enabling real‑time settlement, no chargebacks and fast payouts. Euroclear, a major European post-trade infrastructure provider, has unveiled plans to create a single market for settlement and custody services across the EU.

FinTech 59

FinTech Payment APIs and Integration Non-Bank AI 59

The Fintech Times

MARCH 13, 2025

Latin America has served as a proven model for integrating payments and media, offering localised payment solutions and regulatory expertise. Expanding into Asia, MENA, and Africa will require tailoring payment solutions to local market dynamics, integrating alternative payment methods, and ensuring regulatory compliance in each region.

Cross-Border Payments 96

Cross-Border Payments Cross-Border Payment APIs and Integration Payment Service Provider (PSP) 96

The Fintech Times

JANUARY 26, 2025

Reserves are safeguarded by a qualified custodian with a trust licence for seamless asset protection and regulatory compliance, with independent attestation reports published monthly. Together, were not just scaling adoption of FDUSD but also empowering businesses to operate seamlessly across diverse financial ecosystems.”

Stablecoins 59

Stablecoins Cross-Border Payments Cross-Border Multi-Currency 59

Finextra

JUNE 2, 2025

using blockchain for settlement), while DeFi platforms are discovering that some integration with TradFi (like fiat ramps or regulatory compliance features) can open the floodgates for more users. Banks and big fintechs are adopting some DeFi technologies under the hood to improve efficiency (e.g.,

Finance 52

Finance Payment APIs and Integration API Regulations 52

Finovate

DECEMBER 11, 2024

Regtech The ongoing fallout from the Synapse failure has created a renewed focus on regulatory compliance. Banks are rethinking their regtech strategies, while new regtechs are leveraging tools such as large language models and GenAI to meet demand for automated compliance tools and fraud detection solutions.

FinTech 59

FinTech Stablecoins Cross-Border BNPL 59

Finovate

JUNE 3, 2025

Spayce will leverage ThetaRay’s AI-first solution to ensure regulatory compliance and scale securely. Use cases for Spayce’s solutions include vendor payouts, global payroll, ecommerce settlements, and real-time B2P and B2B payments via a combination of APIs, a hosted checkout solution, and a merchant portal.

Cross-Border Payments 52

Cross-Border Payments Cross-Border Financial Crimes Crime 52

The Paypers

JUNE 27, 2025

Both instruments originate from the same legal compartment, ensuring regulatory compliance and operational consistency across formats. Market participants can choose between traditional or blockchain-based settlement processes while accessing a single, fungible security across both rails.

Security 36

Security Settlement Blockchain Stablecoins 36

EBizCharge

MAY 22, 2025

Regulatory compliance: Invoicing and billing compliance means adhering to legal and financial regulations. Offering incentives like payment discounts for early settlements can also encourage quicker payments and improve cash flow.

Process 52

Process Best Practices Reconciliation Automation 52

Finextra

JUNE 27, 2025

If orchestrated properly – using composable and flexible ecosystems – banking platform modernisation can yield improved return on investment (ROI) with value-based milestones, elevated customer satisfaction, and streamlined regulatory compliance.

Innovation 52

Innovation Payment APIs and Integration API Privacy 52

Finextra

JULY 17, 2025

Ensuring data privacy and protection is paramount, requiring continuous investment in cybersecurity measures and regulatory compliance initiatives. RTAs (Registrar and Transfer Agents) are the operational backbone of the mutual fund industry.

Financial Literacy 52

Financial Literacy Online and Mobile Banking Payment APIs and Integration Regulations 52

Finextra

OCTOBER 28, 2024

The Bank for International Settlements (BIS) along with central banks in Australia, Korea, Malaysia and Singapore have successfully demonstrated the feasibility of embedding regulatory compliance requirements with cross-border financial transactions.

Cross-Border 83

Cross-Border Central Bank Use Case Compliance 83

Fintech News

FEBRUARY 28, 2024

These include spot trading for nearly 40 digital payment tokens with deep liquidity, on/off ramp services, large notional trades, settlement as fast as T+0, and services via voice and instant messaging. Regulatory compliance has always been a top priority for us. This pushed the company’s valuation to over US$1.2

Accreditation 117

Accreditation Regulatory Compliance Settlement Digital Payments 117

CB Insights

OCTOBER 29, 2020

Currently, complex processes are needed to ensure regulatory compliance and enable secure, trustworthy trades. Post-trade: This category consists of companies offering DLT-based services like settlement and clearing after a trade is complete. Examples include Circle’s USDC, Ripple’s XRP, and Gemini’s GUSD.

Real Time Gross Settlement (RTGS) 101

Real Time Gross Settlement (RTGS) Blockchain Distributed Ledger Technology (DLT) Money Laundering 101

Fintech Finance

AUGUST 22, 2024

End-of-day settlement transactions are to inform the payment service provider (PSP) system when the PMS initiates the end-of-day procedure. As a result, customers can bring enterprise workloads to the cloud quickly and efficiently while addressing the strictest regulatory compliance requirements. Tokenised, secure transactions.

Void 98

Void Payment Service Provider (PSP) Alternative Payment Methods Payments 98

Fintech Review

JUNE 25, 2024

These systems bypass traditional intermediaries like banks, thereby reducing fees and settlement times significantly. This transparency minimizes the risk of fraud and enhances regulatory compliance, thereby fostering greater trust among stakeholders.

Blockchain 95

Blockchain Technology Innovation Cross-Border 95

Clearly Payments

FEBRUARY 23, 2024

Settlement Time : The time it takes for funds from processed transactions to be settled and deposited into the merchant’s account. A shorter settlement time is generally preferred as it improves cash flow for the merchant. Ensuring robust security measures protect sensitive payment data and maintain regulatory compliance.

Processors 105

Processors PCI DSS Payments Volume 105

Clearly Payments

JANUARY 4, 2024

Faster Settlements: Cryptocurrency transactions are typically faster than traditional banking transactions, providing merchants with quicker access to funds. This is particularly beneficial in industries where fast transaction settlements are crucial, such as e-commerce or high-frequency trading.

Cryptocurrency 105

Cryptocurrency Stablecoins Cross-Border Payments Digital Currency 105

PYMNTS

APRIL 29, 2020

The volatility of cryptocurrencies and their existence in what’s often a grey area of regulatory compliance make businesses operating in this sector an unattractive target for traditional financial institutions. “The main advantage of cryptocurrencies is nearly-instant settlement,” he said. “So,

Cryptocurrency 113

Cryptocurrency Cross-Border AML Compliance 113

Finovate

FEBRUARY 14, 2024

Decentralized finance company Ripple acquired Standard Custody & Trust Company, a firm that offers institutional-grade custody, escrow, and settlement platform for digital assets. Terms of the deal were undisclosed. The company bought Standard Custody & Trust Company for an undisclosed amount. Ripple said the move serves two purposes.

Acquirers 52

Acquirers Regulatory Compliance Settlement Blockchain 52

Clearly Payments

SEPTEMBER 13, 2024

Unified Reconciliation and Settlement: By consolidating transactions from multiple providers, payment orchestrators simplify the reconciliation and settlement processes, reducing administrative overhead for businesses. This data can be used to optimize payment strategies, identify trends, and make informed decisions.

Payment APIs and Integration 104

Payment APIs and Integration Multi-Currency Payments Gateways 104

FICO

MARCH 17, 2021

Third-party intermediaries facilitating invoice settlement. Illicit cash integration in financial settlement. Over- or under-shipment of goods or services (also, phantom shipments). Shell companies or offshore front companies. Misuse of existing trade chain to move funds for terrorists (evasion of sanctions / financing of terrorism).

Money Laundering 98

Money Laundering Crime Financial Crimes Industry Trends 98

Fintech News

JULY 4, 2024

During the Bank for International Settlements’ (BIS) Annual General Meeting at end-June 2024, the bank released its Annual Economic Report 2024 , which highlights the transformative impact of AI on the financial sector in general, and central banking in particular.

Central Bank 104

Central Bank AI Correspondent Bank Correspondent 104

The Payments Association

OCTOBER 4, 2024

However, international transactions come with their own set of challenges, including fluctuating exchange rates, varying regulations, and complex settlement processes. Regulatory compliance The industry operates under stringent regulatory frameworks that vary across regions.

Online and Mobile Banking 88

Online and Mobile Banking Cross-Border Payments Cross-Border Alternative Payment Methods 88

Fintech Finance

MAY 29, 2024

Worldline already works closely with Banque Raiffeisen, providing services including Clearing and Settlement of SEPA Credit Transfers, Issuing Processing and ATM Acquiring. With this new agreement, Worldline will provide the bank with the means to send and receive instant payments as mandated by the EU’s Instant Payments Regulation.

Instant Payments 52

Instant Payments Agreements Process Payment APIs and Integration 52

PYMNTS

NOVEMBER 2, 2020

Ganu said the company funds the gap between spending and settlement. to ensure regulatory compliance. The cardholder goes to Starbucks, swipes the card for a $5 latte — and the coffee is paid for by a fractional portion of the portfolio (which can be allocated between bond ETF or broader market ETFs).

FinTech 88

FinTech FDIC Regulatory Compliance Checks 88

Fintech News

FEBRUARY 26, 2024

While a majority view their regulatory landscape as adequate, with 63% of surveyed fintechs rating it favourably (with 36% even lauding their regulatory environment as a major supporting factor of their operational growth in recent years), a considerable segment finds aspects of regulatory compliance, licensing, and registration to be burdensome.

FinTech 143

FinTech Consumer Financial Inclusion On-Demand 143

The Fintech Times

FEBRUARY 21, 2024

. “Swift’s own strategy for instant and frictionless transactions is closely aligned with the G20 targets, and 89 per cent of transactions on our network now reach the recipient bank within an hour – ahead of the G20’s 2027 goal of settlement within an hour for 75 per cent of international payments.

Cross-Border Payments 78

Cross-Border Payments Cross-Border ISO 20022 SWIFT 78

M2P Fintech

DECEMBER 17, 2024

It encompasses various functionalities, including payment setup, transaction management, settlement & payout management, and customer support integration, all aimed at improving operational efficiency. Settlement & Payout Management Settlement and payout management are integral components of an MMS.

Fraud Detection 52

Fraud Detection PCI DSS Disputes Risk Assessment 52

PYMNTS

SEPTEMBER 20, 2019

Driving both their interest and adoption, he said, is Visa’s focus on industry collaboration and operational simplicity in integrating this new clearing and settlement network into their existing commercial payments systems.

B2B 82

B2B Cross-Border Cross-Border Payments Payment APIs and Integration 82