NetXD, has announced its full-stack infrastructure platform which unifies its programmable ledger, global payments hub including stablecoins with a proof of reserve, bank-grade HD wallet (for self-custody), Large Action Model (LAM) and an AI engine allowing institutions to launch and manage tokenized products, move money safely, and streamline middle- and back-office workflows without replacing legacy cores. Key benefits delivered to financial institutions: XD Ledger: Enterprise-grade, programmable, immutable ledger with smart contract support that runs as a sidecar core alongside existing infrastructure. Institutions can tokenize deposits and other digital assets, settle transactions in real time across both fiat and stablecoin rails and enforce Zero Trust, auditable governance; all without ripping out legacy systems. XD Payments: A unified payments API that lets financial institutions move money through every major rail. Instead of juggling separate integrations and settlement rules, institutions route all payment types through one cloud-native platform with real-time tracking, automated compliance checks, and built-in FX. XD AI: Transform institutional operations by turning complex contracts and policies into executable workflows powered by our Large Action Model (LAM). Running on NetXD’s programmable ledger, XD AI eliminates manual middle- and back-office work, enabling Zero Ops automation. From encoding vendor agreements as smart contracts to settling payables in fiat or stablecoins with full audit trails, XD AI delivers cost savings, speed, and compliance at scale. Enterprise HD Wallet Suite: Self-custodial wallet secured by Zero Trust architecture and hierarchical-deterministic key management to access multiple chains and tokens including stablecoins. NetXD’s HD Wallet is further secured by asymmetric cryptography, enterprise-grade real time risk controls and 360 degree review of all transactions and protected by killswitches.
Fintech Money Guard Service converts various informal, everyday financial transactions into legally binding digital contracts such as mobile IOUs, securely stores them on blockchain and auto-converts defaults into bonds linked to collection procedures
Fintech startup Money Guard Service is expanding into domestic and international markets through its digital contract service that covers everything from personal monetary transactions to credit transactions by small business owners. Money Guard Service converts various informal financial transactions in everyday life into simple digital contracts such as mobile IOUs. These are securely stored on a blockchain and carry legal force. Beyond contract signing, the platform is a comprehensive contract management system that includes tracking execution, converting contracts into bonds, and linking to collection services. The company targets three main segments: individual users can use the service to resolve unpaid debts between acquaintances or for labor. In contrast, small business owners can use it to prevent disputes over credit transactions or wage payments. Financially vulnerable groups with limited financial history can build alternative credit information based on digital contract data, improving practical access to finance. Key features of the service include the ability for anyone to easily create legally binding IOUs via mobile, the ability to track contract fulfillment digitally, and an automatic system that converts defaults into bonds linked to collection procedures.
BIS says a tokenized unified ledger developed by public authorities offers a superior alternative to stablecoins, as ‘sound money’ through trust in central bank money that delivers acceptance for payment at par, and safeguards against financial crime
A tokenized unified ledger developed by central banks and public authorities will enhance efficiencies without the shortcomings of stablecoins, the Bank for International Settlements (BIS) said. Stablecoins “fall short” as a form of sound money and “without regulation pose a risk to financial stability and monetary sovereignty,” BIS said. Because stablecoins do not deliver acceptance for payment at par, timely discharge of obligations or safeguards against financial crime, “their future role is unclear.” A tokenized unified ledger would maintain these “key principles of sound money” based on trust in central bank money while enhancing efficiency and opening new opportunities in cross-border payments, securities markets and other use cases. This solution includes tokenized central bank reserves, commercial bank money and government bonds. As a digital representation of assets on programmable platforms, tokenization integrates messaging, reconciliation and settlement into one operation and ushers in “a new era for the financial system.” BIS called on central banks and public authorities to pave the way for this new era. It added that BIS is already working with central banks to develop tokenization through Project Agorá and Project Pine.
Anthropic just made every Claude user a no-code app developer
Qualcomm is releasing an update to its AI Hub that will support the Snapdragon X processor series. App builders can now tap into Qualcomm’s newest chips that power on-device AI, optimizing their programs to work efficiently on the next generation of Windows computers and laptops. In addition, the Qualcomm AI Hub is opening up to more models. Moving forward, developers will no longer be constrained to what Qualcomm has—they can bring their own. The support for Snapdragon X is a bid to stay one step ahead of the competition. Developers can run models on the Snapdragon X Series Platforms to build AI-powered Windows applications, thanks to integrations with ONNX Runtime, Hugging Face Optimum and Llama.cpp. This potentially means developers could see their app be used on a host of computers from Acer, ASUS, Dell, HP, Lenovo, Samsung and OEM7—all companies with scheduled PCs powered by Qualcomm’s Snapdragon X Elite or X Plus chips.
Algebrik AI’s integration with TruStage platform to enable FIs to present lending protection products directly within the digital loan application flow
Algebrik AI announced a partnership with TruStage™, to integrate the education of a broad suite of lending protection offerings from TruStage—including GAP coverage, debt protection, credit insurance, and mechanical repair coverage—directly into Algebrik’s end-to-end digital lending workflows. With this integration, Algebrik enables credit unions and community lenders to present TruStage protection products directly within the digital loan application flow—empowering borrowers to choose coverage that fits their needs without disrupting the journey. Whether for auto loans, personal loans, or other credit products, protection options are embedded natively into Algebrik’s borrower experience and remain easily configurable by loan officers. Key Benefits of the Integration: Comprehensive Coverage Options – Offer GAP coverage, credit insurance, debt protection, and mechanical repair coverage products—all surfaced directly within Algebrik’s LOS. Embedded at the Point of Decision – Borrowers encounter relevant protection choices within the same digital flow, with no need to redirect or re-engage later. Configurable by Loan Type & Member Segment – Institutions can tailor which TruStage products are presented based on loan type, member profile, or risk category. Simplified Operations, Centralized Reporting – Built-in tracking, configuration, and compliance support helps lenders manage enrollment, documentation, and servicing with minimal manual effort.
Spinwheel provides real-time, verified consumer credit data for processing payments via APIs using credentialless technology that requires only phone number and date of birth
Spinwheel is rewiring how consumer credit data is accessed, activated, and embedded into financial workflows, with the closure of its $30 million Series A funding round. Spinwheel’s real-time consumer credit data and payments platform currently supports more than 15 million users and 165 million connected credit and liability accounts, facilitating over $1.5 trillion in consumer debt across its network. The new funding will accelerate development of its agentic AI platform, expand its data sets and product offerings, and scale its go-to-market team as it builds the foundational infrastructure to transform the consumer credit data and payments ecosystem. Spinwheel partners with lenders, marketplaces, personal financial management platforms, and other financial companies to provide real-time, verified consumer credit data to process payments as part of their clients’ existing workflow and operations via APIs. The company’s proprietary, credentialless technology requires only two data fields – phone number and date of birth – streamlining and simplifying user actions and delivering a more complete consumer credit profile, empowering financial clients to provide better financial products and a seamless experience for the consumer. Spinwheel’s clients see significant improvements in conversion rates, increased revenue, lower operational and acquisition costs, as well as mitigated risk.
Federal housing regulator to consider the inclusion of crypto assets in the income checks by mortgage lenders as against the current legislation that limits their use only for closing and reserves
Federal Housing Finance Agency Director Bill Putle said his department will review how crypto assets might be included in the income checks by entities such as Fannie Mae and Freddie Mac. Pulte owns up to $1 million in cryptocurrency and holds stakes in crypto firm MARA Holdings and Elon Musk’s X. Fannie Mae and Freddie Mac require that virtual currency only be used for “closing and reserves if it has been exchanged into U.S. dollars and is held in a U.S.- or state-regulated financial institution. There must be sufficient documentation to verify that the funds originated from the borrower’s cryptocurrency account.” Meanwhile, there is a “rise of bitcoin as a form of collateral in loans issued by big banks — used as inputs to determine applicants’ net worth and liquidity, and by extension, loan terms.”
RightCapital planning software enables advisors to seamlessly sync meeting insights from Jump AI platform and review and approve updates to household data after every client meeting with a single clic
Jump announced a new partnership with RightCapital, the fastest-growing financial planning software for financial advisors. This partnership enables advisors to seamlessly sync meeting insights from Jump into RightCapital’s platform—eliminating the need for manual data entry and helping to ensure financial plans remain accurate and up-to-date. With this integration, Jump proposes updates to key household data—including incomes, expenses, goals and family records—after every client meeting. Advisors can review and approve the suggestions, then push them to RightCapital with a single click. This saves time, reduces the risk of errors and helps to keep client plans accurate and actionable—allowing advisors to stay focused during meetings while scaling their planning process more efficiently. In addition to syncing meeting insights, the integration introduces several new capabilities including “Ask Anything” About a RightCapital Household; RightCapital Data in Pre-Meeting Prep; Automated RightCapital Data Collection Template Completion; AI-Suggested Fact Updates.
Tensec’s platform enables global trading companies to offer SMB cross-border payments by unifying payment, hedging, and trade finance capabilities into a single interface without requiring API or coding
Tensec has secured $12 million in seed funding to provide real-time, seamless payments and financial services for global companies operating in the $190 trillion cross-border payments market. Tensec leverages AI, real-time payments and a global fintech infrastructure to create a no-integration platform that enables global trading companies to offer foreign exchange (FX) services, cross-border payments, treasury and other financial services to their SMB clients. With global cross-border payments projected to reach $250 trillion by 2030, there has been significant fintech innovation in consumer and enterprise payments. However, SMB cross-border payments remain largely untouched by innovation, despite representing over 40% of the $25 trillion annual physical goods trade. Tensec is bridging this critical gap. Tensec’s platform consolidates payment, hedging, and trade finance capabilities into a single, user-friendly interface that requires no integration work, making it simpler for trading companies to offer clients services previously only available from banks. Banking services in the United States are provided by Stearns Bank, Member FDIC. “Legacy banks built their cross-border infrastructure when fax machines were cutting-edge,” said Helcio Nobre, CEO and co-founder of Tensec. “We’re skipping that entire stack. Our services let the companies already engaged in global trade to offer their own financial services innovations. It fills a real need – and their clients thrive.” The benefits for Tensec customers include: No-API or coding required–just a simple login to access all services, eliminating months of engineering work; Unified FX transactions, cross-border payments and banking services tools in one platform, removing the need for multiple systems; Client onboarding in minutes, instead of weeks with intelligent KYB/KYC verification that improves with each onboarding; Real-time global payments that cut traditional waiting periods of four days; Revenue management optimization through the use of real-time exchange rate information, instead of fixed rates; Built-in risk assessment and AI-powered compliance checks with real-time regulatory updates; USD FX hedging services to capitalize on exchange rate fluctuations; and Support for transactions in 150+ countries, 100+ real-time payment markets, and 70+ currencies.
Spreedly integrates Just-In-Time Card Updates for Visa Cards to provide merchants with up-to-date and real-time access to refreshed card credentials at the point of transaction using Open Payments Platform
Spreedly announced a strategic enhancement to its platform through the integration of Just-In-Time Card Updates for Visa Cards powered by Visa Account Updater (VAU). Spreedly’s Just-In-Time Card Updates integration provides merchants with up-to-date card credentials precisely when they’re needed. Unlike traditional card update strategies, which operate on a scheduled batch basis, Just-In-Time Card Updates enable real-time access to refreshed card credentials at the point of transaction to give merchants greater control and responsiveness. Built on the Advanced Vault capabilities of the Open Payments Platform, Spreedly leverages Visa’s powerful network to give merchants control to fetch card updates at the right place and right time. This ability to leverage tools on demand allows businesses to better manage their operational costs and prevent disruption to the customer experience for card-on-file and subscription payments. In addition to integrating with VAU to enable Just-In-Time Card Updates, Spreedly is integrating Visa Acceptance across key gateways—including CyberSource and Authorize.Net—to provide merchants with greater reach and reliability. Key Business Benefits: Improved Authorization Rates: Reduce declines caused by outdated card credentials and recover revenue from failed transactions. Operational Efficiency: On-demand updates eliminate the need for constant background refreshes; this streamlines payment workflows and reduces costs. Customer Retention: Prevent service interruptions and improve customer loyalty by ensuring seamless, uninterrupted transactions. Strategic Flexibility: Merchants control the timing and use of card updates, aligning payment operations with business needs.