Western Union CEO Devin McGranahan said the remittance company is exploring issuing a stablecoin, particularly in non-US markets. He told Bloomberg that the company is interested in offering stablecoin balances in those countries “almost like a savings account.” This is mirrors the stablecoin accounts recently launched by Stripe. McGranahan said that stablecoins represent an opportunity rather than a threat. He cited this savings use case, plus the ability to move money internationally faster. Additionally, he highlighted that the company is extremely well placed as an on and off-ramp. This on/off-ramp capability is particularly valuable, with Capstone suggesting that stablecoin issuer Circle could be rather interested in this. Circle recently launched the Circle Payments Network to partner with various companies to provide on and off-ramps. As an acquisition target, Circle could probably afford to buy Western Union, given its market capitalization is around $40 billion compared to Western Union’s $2.75 billion. Western Union could indeed become an takeover target. However, a quick analysis highlights why Western Union may not be a priority for Circle, but could be for someone else.
DIFD Auto introduces cryptocurrency as a payment option for car buyers; first-time buyers get a 10% -50% discount in crypto
DIFD AUTO tailored specifically for crypto users, instantly transforms your digital assets into real-world speedsters. From Tesla electric pioneers to supercars, everything is available. Support for multiple cryptocurrencies, including Bitcoin, Ethereum, and USDT, ensures flexible and worry-free payments. Users rave: With DIFD AUTO, you not only get reduced transaction fees, but also exclusive VIP access and various promotional offers. Now, there’s an even bigger promotion! First-time buyers get a 10% -50% discount in crypto, plus a maintenance voucher worth 800 USDT! Limited-time offer: Pay with cryptocurrency and receive free global shipping with full insurance. Mohammed Evans, President of DIFD AUTO, said : “Cryptocurrency democratizes car buying, making the car of your dreams within easy reach of every digital millionaire.” Platforms like Carnomaly and DIMO are integrating blockchain into the automotive ecosystem: NFT “digital car keys” prove ownership and support virtual test drives in the Metaverse! CarVertical’s blockchain verifies mileage and maintenance records, eliminating used car scams. Dreamcars’ innovative sharing model: Invest in luxury cars with crypto and enjoy rental income. This isn’t just about buying a car; it’s about entering a limitless digital community. The platform also provides comprehensive export services, including international ocean freight, shipping, full container load (FCL), and customs clearance. We also have a multilingual service team in German, English, French, and Arabic to help cross-border buyers easily complete their purchases.
PayPal-backed Mesh expands its global network that orchestrates real-time crypto payments, converting digital assets (100+ cryptocurrencies and wallets) to instant stablecoin settlements for seamless merchant acceptance
Mesh, the crypto payments network, announced additional investments from PayPal Ventures, Coinbase Ventures, and others bringing total capital funding to more than $130 million. Mesh’s technology supported the launch of PayPal’s Pay with Crypto service, which allows consumers to pay with a wide range of cryptocurrencies and eligible wallets. Mesh’s technology enables consumers to seamlessly pay using 100+ wallets and cryptocurrencies through Mesh’s SmartFunding orchestration engine. This allows PayPal merchants to tap into a rapidly growing $3 trillion market with over 650 million crypto users. With integrations across Coinbase, Binance, ByBit, OKX, Paribu, Uphold, and more, Mesh’s technology already reaches hundreds of millions of users. Mesh’s SmartFunding technology eliminates friction in crypto payments, enabling users to pay with any digital asset while merchants receive instant settlement in stablecoins, such as PYUSD, or fiat. This innovative approach addresses the mismatch problem where users often hold different cryptocurrencies than what merchants prefer, ensuring a seamless checkout experience with the benefits of blockchain technology. With the stablecoin market having a market cap over $200 billion and powering $27.6 trillion in transaction volume, consumers and merchants want stable assets like stablecoins and local currency. Mesh is unlocking liquidity, making these assets fungible with its SmartFunding orchestration engine.
Jack Henry’s Tap2Local empowers merchants to accept cards via phone tap, reconcile accounts instantly, and connect with bank-exclusive network services
Jack Henry announced the initial launch of Tap2Local™, a new digital payments solution that enables banks and credit unions to meet the evolving needs of their small and medium-sized business (SMB) customers. Developed in collaboration with Moov, a modern digital payments processor, the cloud-native Tap2Local solution offers merchants many distinguishing features. Those include the ability to accept debit and credit card payments directly through tap-to-pay on both iOS and Android devices, eliminating the need for additional hardware, as well as continuous account reconciliation to the accounting platform of their choice. Transactions are processed through all major card networks. Unlike most other payment solutions for small businesses, Tap2Local is offered exclusively through banks and credit unions. It is currently in closed beta testing with several financial institutions and is on track to be rolled out to the more than 1,000 banks and credit unions on the Banno Digital Platform™ over the next several months. Jack Henry Chief Technology Officer Ben Metz said Tap2Local fulfills a need for small businesses, of which about 82% are sole proprietors, according to the Small Business Administration. “Tap2Local is the first new key component of our overall SMB strategy to help banks and credit unions win with small businesses and capture significant new market opportunities,” said Jack Henry President and CEO Greg Adelson. “This innovative solution integrates with banking services, enabling financial institutions to simplify the payments experience for small businesses, capture more deposits, and win back business from payments-only fintechs.”
Xsolla and Adyen partner to give game developers full control of payments, checkout, and revenue strategy: delivers global card support, branded checkout, advanced analytics, and developer-friendly APIs
Xsolla announced a strategic partnership with Adyen which supports the launch of Xsolla Payment Service Provider (PSP), a new payment solution designed for studios that want to operate as their own Merchant of Record (MoR) while leveraging Xsolla’s unique payment and game tech infrastructure. The Xsolla PSP gives developers full control over their payment experience, handling taxes, compliance, direct end-user relationships, and revenue while providing global coverage across 200+ markets and 160+ currencies. This model complements Xsolla’s traditional MoR services by offering a parallel path to payment control, flexibility, and ownership of player relationships in markets where game studios have their local presence. Key benefits of Xsolla PSP include: Controlled Checkout: Fully customizable checkout experiences tailored to your brand and monetization strategy. Global Card Payment Support: Accept payments across 200+ countries and territories in 160+ currencies via Adyen’s global acquiring capabilities, with additional payment methods being added. Flexible Payment Features: Tokenization, one-time and recurring billing, partial/full refunds, tax calculation at checkout, and more. Advanced Reporting & Analytics: Real-time transaction visibility and insights into buyer behavior. Developer-Friendly Integration: Fast, secure APIs integrated with Xsolla’s ecosystem of commerce tools. Industry Expertise: Powered by two proven leaders in the space, Xsolla and Adyen, with decades of gaming and fintech excellence. The Xsolla + Adyen partnership enhances Xsolla’s PSP offering by enabling: Trusted financial processing with Adyen’s global acquiring network; Broader international reach with seamless cross-border support; Scalable, secure, and flexible commerce tools built for games of any size.
Nacha urges ACH participants to abandon faxes, mandating secure electronic channels—Risk Management Portal now standard for exception data exchange with no fax support
Nacha’s Operations Bulletin #2-2025 strongly recommends that all Non-Consumer Originators, Participating Depository Financial Institutions, Third-Party Service Providers and Third-Party Senders abandon the use of faxes and use only a secure electronic channel when exchanging information and documents to resolve ACH Exceptions. As an alternative to faxes, Nacha offers a secure electronic channel available to financial institutions within the Risk Management Portal for resolving many types of ACH exceptions. For example, an Originating Depository Financial Institution (ODFI) might provide a signed Letter of Indemnity (LOI) to support its request that a Receiving Depository Financial Institution (RDFI) return an ACH Credit. An RDFI can notify an ODFI about the status of a request for return using the Portal’s Return Status form, which can also be used to advise an ODFI after receiving an LOI. An RDFI can notify an ODFI that it has exercised its Exemption from Funds Availability as allowed by the Nacha Operating Rules. Finally, FIs might exchange information to resolve an IAT exception. The Risk Management Portal has evolved to serve as a channel for sensitive information that must be exchanged securely. The channel is secure even from Nacha, which cannot view, collect, or retain data or documents exchanged between parties. The Portal is also evolving to discourage the use of unsecure channels. From now on, any new categories added to the ACH Contact Registry in Nacha’s Risk Management Portal—such as Exception Resolution and Information Security contacts—will not capture fax numbers. Nacha believes phasing out support for fax numbers will steer users toward channels that provide appropriate security for the information being exchanged.
RMS Pay helps hospitality businesses reduce no-shows and chargebacks with pre-authorization features, with 98.3% of users experiencing fewer than one chargeback monthly
RMS has officially launched RMS Pay in the United States and Canada. Over half of RMS Pay customers have reported a reduction in no-shows or chargebacks due to pre-authorization features, and, 98.3% experience fewer than one chargeback per month. These tools help operators mitigate fraud, improve financial accuracy, and protect revenue. RMS Pay simplifies the tech stack, eliminates vendor sprawl, and delivers a centralized view of operations. With one platform and one support team, operators gain full visibility across their business and eliminate the complexity of juggling separate systems. RMS customers also report saving more than five hours per week on payment and reconciliation tasks, freeing up staff time to focus on guests. Fully integrated into the RMS property management system (PMS), RMS Pay allows North American operators to automate the entire payment journey from pre-arrival to check-out while maintaining a smooth, consistent guest experience. The platform is designed to work across all types of hospitality businesses, from boutique hotels and campgrounds to RV parks and multi-property enterprises, replacing spreadsheets, third-party gateways, and manual processes with a cohesive, cloud-based platform. RMS Pay supports leaner operations by automating essential financial processes such as payment requests, receipts, reconciliation, and reporting. Features like automated payment schedules and Pay by Link, which allows operators to send secure, trackable payment links via SMS or email, help reduce no-shows and improve cash flow predictability, all while giving guests a secure and convenient payment experience. Guests benefit from a fast and flexible way to pay, while operators gain real-time visibility into payment status — all within the RMS platform.
Discover notes shift from GenAI to agentic AI in payments; emphasizes cautious, problem-driven deployment in fast, sensitive transactions and prioritizing trust and transparent governance in fintech
Discover Network Director of Payments Innovation Kate Lybarger said that for AI to reshape business models trust must be the foundation. While earlier periods of enterprise innovation, such as mobile and digital, were reactions to external constraints, AI introduces internal and existential pressure. Businesses now grapple with not only how to use this new technology, but also how to deploy it in ways that align with evolving customer expectations and regulatory scrutiny. The stakes are at their highest in security-critical industries like financial services, where transactions can be fast, frequent and sensitive. One of the most notable shifts taking place is the transition across payments and commerce from general-purpose generative AI tools to what’s being termed agentic commerce, representing a more targeted, transactional application of advanced AI technologies, Lybarger said. AI is a means, not an end, Lybarger said. It must be applied with caution, clarity and a deep understanding of what problems need to be solved. How businesses adopt and deploy AI and how they think about managing situations when things don’t go right, because they inevitably at some point won’t, that matters deeply,” she said. “Innovation isn’t only about AI,” she said. “Contrary to all the ways in which we can’t stop talking about AI, it is still, and will continue to be, about solving the right problems in the right way, which may or may not require AI.” That balanced exchange between delivering and capturing value is where AI finds its rightful place. Embracing a level-headed and clear-eyed view of AI’s role in business model evolution can, in turn, raise new organizational questions around deployment and responsibility.
Fullpath enables dealerships to automate tailored pricing, rebates, and incentives, boosting closing rates and customer loyalty by integrating Fuse Autotech’s payment solution into its AI-first customer data platform
Fullpath, the automotive industry’s AI-first Customer Data Platform (CDP), announced its strategic acquisition of Fuse Autotech’s Dynamic Payments solution. This integration offers dealerships a seamless way to ensure car shoppers are served real-time, relevant offers across the Fullpath ecosystem, enhancing the customer experience with frictionless, personalized engagements. Dynamic Payments seamlessly integrates with Fullpath’s CDP, pulling pricing and rebate data, dealership incentives, financing rates, OEM incentives, financing rates and more, in real time. This enables dealers to automatically generate tailored inventory offers for display across the Fullpath suite of AI activation solutions, creating a personalized, valuable shopping experience at every touchpoint. By integrating with the CDP, Dynamic Payments ensures every offer presented on the dealership website, marketing emails, SMS campaigns, and digital advertising campaigns is relevant and reflective of real-time inventory data. “The addition of Fuse Dynamic Payments to the Fullpath product ecosystem will enable us to better support every profit center at the dealership – from sales and finance, to service and parts – within all of our marketing activities,” says Fullpath CEO & Co-Founder, Aharon Horwitz. “With real-time, personalized offers integrated into Fullath’s platform, we’ve significantly increased closing rates and reinforced loyalty—it’s an essential tool for any forward-thinking dealership.” — Andrew Walser, CEO of Walser Automotive.
RTP processes 1.18 million daily payments worth $481 billion surging 195% QoQ outpacing FedNow which grew 62% in volume with $2.7 billion daily amid limited bank participation.
RTP (Real-Time Payments) and FedNow, the two immediate payment platforms in the United States, recently reported Q2 2025 results showing impressive growth in number of transactions and the value transmitted through each system. RTP reported 1.18 million payments each day with a total daily value of $481 billion in payments, a 195% leap in value from the previous quarter. FedNow, quarterly volume grew 62% to 2.1 million payments with an average daily value of $2.7 billion, up more than 400% over the previous year. “RTP is seeing about 1.2 to 1.3 million transactions a day,” said Greg MacSweeney, a spokesman for TCH. “FedNow saw that in its entire first quarter, so we’re doing in one day what they’re doing in a quarter.” In practical terms, all banks have access to RTP at the same cost, 4.5 cents per payment. The cost is the same for every participating bank and there are no access fees or discounts for high volume users. The users’ price for a real-time payment is set by their participating banks. RTP can reach 71% of all demand deposit accounts, with an incremental “technical reach” to financial institutions that hold close to 90% of DDAs, explains the TCH on its website. Because only 1,400 banks have signed up for FedNow, which doesn’t connect to RTP, FedNow users have limited reach with their real-time payments. Bank assets are highly concentrated – the top 15 banks hold 76% of deposits, according to the FDIC. The network effect will improve for FedNow as more banks sign up, but banks operating just FedNow for real-time payments will be at a disadvantage unless the two platforms develop an operating link. Some banks will implement both RTP and FedNow so they can send and receive payments from more banks, and therefore more people.