Hey FinTech Fanatic!
This last week, I covered how liquidity, supervision, and distribution are tightening across Europe’s financial infrastructure.
On one side, Noah is pushing a just-in-time treasury model, using stablecoin rails to replace traditional pre-funding and unlock trapped working capital in cross-border flows. On another, Greece’s tax authority is expanding oversight through BANCAPP, bringing players like Revolut and Viva into a broader taxpayer data framework.
At the same time, leadership shifts continue to shape the ecosystem, with former Starling Bank CEO John Mountain joining savings platform Stoa to scale product and bank partnerships.
Different angles, same direction.
Europe’s FinTech, Payments, and Digital Banking landscape is becoming faster, more regulated, and more capital-efficient at the same time 👇
Cheers,
By unifying in-store and online payments within a single continuous experience, merchants will gain full control to design ecosystems tailored to their customers’ evolving expectations.
NOW, ON TO THE SUMMARY OF LAST WEEK’S NEWS
⭐️ Noah’s just-in-time treasury: replacing pre-funding with stablecoins. Around $150 billion in liquidity is locked due to pre-funding, slow settlement, and high fees. Noah’s stablecoin rails enable just-in-time treasury, moving USD, EUR, and GBP into local currencies like NGN and KES in minutes, unlocking working capital and accelerating cross-border flows.
⭐️ AADE gains access to Revolut, Viva, and foreign banks via BANCAPP. Greece’s Independent Public Revenue Authority (IPA) has expanded its BANCAPP system to require not only Greek banks but also foreign bank branches, payment institutions, and electronic money institutions operating in Greece to submit taxpayer banking data.
⭐️ Former Starling Bank co-founder and CEO John Mountain joins savings platform Stoa. John Mountain will work closely with Stoa’s leadership team to help shape product strategy and accelerate distribution via banks, building societies, and merchant partners.
⭐️ Mesh partners with Adyen to accelerate the scale of its European and U.K. operations. This collaboration is designed to aggressively scale Mesh’s established operations across the United Kingdom and Europe, supporting the company’s rapidly expanding roster of global enterprise clients.
Social Engineering: Solving the Most Difficult Fraud Challenge with André Ferraz, CEO and Co-Founder of Incognia. This webinar explores how social engineering fuels financial fraud, enabling scams such as authorised push payment (APP) fraud, RAT-enabled attacks, account takeover (ATO), and mule activity.
DashDevs’ FinTech core expands global footprint across Europe and APAC. Built from more than a decade of hands-on delivery in regulated FinTech, FinTech Core is a composable, production-ready platform designed to help FinTechs and financial institutions launch faster, without locking into rigid, one-size-fits-all systems.
Chrysalis looks to drop managers as UK FinTech fund sells assets. The board plans to divest Chrysalis’ holdings and return cash to shareholders over the next few years, it said. As part of the move, the board is looking to end the current advisory arrangement with its investment manager, which receives £4.5 million ($6.1 million) per year.
Offa promises one-hour Islamic home finance offers. The new product is the first newly regulated Home Purchase Plan to launch in more than seven years. It follows authorisation from the Financial Conduct Authority last year, allowing Offa to offer regulated HPPs to UK customers.
Nexi Group announced the launch of Nexi Ready, a new category of fully managed, plug-and-play digital issuing solutions. Nexi Ready alleviates a significant burden for banks, corporates, and FinTechs, enabling them to quickly deploy modern, compliant, and scalable digital issuing services without having to build and operate their own infrastructure.
ECB and ONCE Foundation launch collaboration. The ECB is collaborating with the Spanish financial inclusion agency, the Once Foundation, to get technical advice on the accessibility requirements and features of the digital euro app, and testing once the first prototypes are available.
Societe Generale - FORGE has officially launched its euro-denominated stablecoin EUR CoinVertible on the XRP Ledger. With this integration, SG-FORGE intends to increase adoption and benefit from the scalability, speed, and low cost of the XRPL, a secure and decentralized Layer 1 blockchain.
Zen.com grows globally without chasing super-app status. Its goal is a tenfold increase in its customer base within five years and to equalize the contribution of Europe and Asia to revenues over the next three years, all while keeping costs under control and avoiding risky financing.
Bank of Ireland’s UK arm hit with £3.8m fine for fraud failures. The lender was hit by the Payments Systems Regulator (PSR) for missing the deadline by 14 months for a “vital” service that would send requests for confirmation of payee checks.
Sumsub debuts AI Copilot to transform compliance workflows and fraud investigations. Summy AI Copilot (Summy) transforms complex, real-time case data into clear, actionable insights within existing workflows, enabling investigators and compliance officers to make faster, smarter decisions without leaving the platform.
Sumsub launches SEPBLAC-aligned Video KYC to support regulated onboarding in Spain. The solution supports real-time recording of the entire verification process, ensuring auditable evidence, human oversight, and regulatory alignment for Spanish and EU-regulated entities.
New contactless card payment rule coming to the UK from March 19. UK banks will be allowed to raise the current £100 contactless payment limit per transaction. However, research shows fewer than half of banks and building societies currently let customers set their own contactless limits, raising concerns that many may be unprepared for the change.
Deutsche Bank expands Ripple partnership to modernize cross-border payments. The Frankfurt-based lender plans to embed Ripple-powered solutions across payments, foreign exchange operations, and digital asset custody, signaling a structural shift in how international transactions are processed.
Sweden's FSA to probe Swedbank compliance with money-laundering regulations. The investigation will cover the period from December 2023 to November 2025 and will include the bank's due diligence measures, the Financial Supervisory Authority (FSA) said in a statement.
Nomo launches property finance offering in Scotland. Nomo has expanded its Sharia’a-compliant property finance to Scotland amid rising demand from GCC buyers. The move follows rate cuts and a new pricing tier for high-net-worth clients, as Scottish house prices and prime sales continue to grow.
Monzo Business simplifies tax filing with a new free tool as sole traders lose hours monthly on tax admin and MTD approaches. Under the new MTD rules, sole traders and landlords will need to use approved digital systems to submit quarterly income and expenses updates. As the new tax year is around the corner, 70% of surveyed sole traders say they’re aware of MTD.
BNP Paribas explores public blockchain infrastructure for money market fund tokenisation. The initiative relies on a permissioned access model on Ethereum, restricting holding and transfers to authorised participants within a regulated framework.
Salt Edge and NoCFO to bring Pay by Bank to entrepreneurs in Finland and Germany. The collaboration integrates Salt Edge’s payment initiation capabilities directly into the NoCFO platform, transforming the user experience by enabling complete financial workflows, including Pay by Bank, without users having to leave the app.
Wirex launches stablecoin push-to-card powered by Visa Direct. The feature enables partners to deliver stablecoin-funded payouts directly to eligible cards worldwide, with coverage extending to more than 3 billion cards across 200+ countries and territories.
eBay partners with TrueLayer to offer Pay by Bank at checkout. With Pay by Bank, eBay’s UK buyers can pay directly from their bank accounts by authorising the transaction through their bank app in seconds. The experience is fast, secure, and frictionless; no cards or manual entry of account details required.
Verifone and Unzer deepen partnership to simplify in-store payments. The partnership aims to make in-store payments faster, easier, and more seamless. Together, the companies offer merchants a full payment ecosystem that goes beyond the terminal.
OPP and SUNMI partner to democratise payment monetisation for SaaS platforms across Europe. The partnership delivers a complete, in-store and omnichannel embedded payment proposition designed for software providers and resellers.
Kindo partners with Tillo to bring rewards to childcare payments. The partnership helps families turn verified nursery spend into meaningful rewards, with points that can be redeemed for digital vouchers with everyday brands. Tillo powers the gift card redemption experience within Kindo, providing users with access to a wide selection of digital gift cards from leading and beloved brands.
Green Banana and VR Payment partner for BNPL orchestration. The collaboration aimed to enable merchants to manage multiple BNPL solutions alongside other payment methods through a unified dashboard. Read more
CoinCover appoints Jeremy Verba as CEO, succeeding co-founder David Janczewski. In the new position, CoinCover says Verba will accelerate the delivery and growth of the company. Verba brings over 25 years of leadership experience to the role, having previously served at many large corporations across various industries.
Freetrade's Viktor Nebehaj to step down as CEO. The outgoing CEO states that he is leaving Freetrade in its strongest position ever. "We've kicked off 2026 with meaningful product and pricing changes, including removing fees on our SIPP and funds".
ClearBank accelerates European expansion with appointment of former Uber executive, Tristan Kirchner, as EU CEO. Kirchner brings more than 25 years of payments and financial services experience, having held senior leadership roles at Uber Payments, Barclays, and Visa.
OakNorth Bank announced the appointment of Gergely Zaborszky as its new Chief Financial Officer. He brings experience in financial strategy, capital optimisation, and international finance leadership, including prior senior roles at GE.
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