Industry

BankChain Alliance Gives 3,283 Community Banks Ownership Stake in Digital Payment Rail

"39 US state banking associations announced the BankChain Alliance, a nationwide bank-owned and governed blockchain network for tokenized deposits, bank-issued stablecoins, smart payment tools, and automated settlement. The alliance represents 3,283 banks holding $21.8 trillion in assets. The network, is designed to be owned, designed, and governed by member banks. Participating institutions will be able to acquire ownership stakes."

Industry

Charles Schwab to Add Solana, Avalanche and Chainlink to Crypto Offerings

Crypto News

"$13 trillion Charles Schwab said it plans to offer Solana ($SOL), Avalanche ($AVAX) and Chainlink ($LINK) trading for clients in the coming months. The move expands Schwab Crypto offerings beyond Bitcoin and Ethereum."

Industry

Education: ACH vs SWIFT: Which Rail Fits Your Business Payments

OneSafe

"ACH remains the dominant U.S. batch payment rail by scale. The Federal Reserve reported 20.109 billion commercial ACH transactions in 2024, worth $42.497 trillion, with an average transaction value of $2,113. Federal Reserve ACH statistics show why ACH remains central to payroll, recurring collections, and domestic vendor payments. SWIFT solves a different problem. It provides standardized financial messaging between institutions across borders, usually through correspondent banking relationships."

Industry

Why Payee Verification Is Becoming Critical Payments Infrastructure

Global Banking & Finance Review

"Name-checking controls are moving from optional fraud-prevention tools to a core layer of real-time payment infrastructure as faster transfers reduce the time available to detect and reverse mistakes or scams. The European Central Bank explains that payment service providers in the euro area must offer Verification of Payee for both standard and instant credit transfers, free of charge to the payer, with the obligation applying from 9 October 2025. The service is designed to warn customers of discrepancies before a transfer is initiated."

Industry

U.S. Faster Payments Council Report Evaluates Emerging Approaches to Cross-Border Payment Interoperability

EIN Presswire

"The U.S. Faster Payments Council (FPC) announced the publication of a report, Interoperability: Bridging the Cross-Border Gap in a Faster Payments World, developed by the FPC Cross-Border Payments Work Group, sponsored by Mastercard. The report examines the end-to-end cross-border payment journey through the lens of interoperability, exploring why advances in faster payments, ISO 20022 adoption, and emerging digital settlement models have yet to fully overcome complexity associated with moving money across borders."

Industry

Why Instant Payments Require Instant Security

Treasury and Risk

"Corporate money movement has undergone a seismic shift in the mid-2020s. The Clearing House's Real Time Payments (RTP) network and the Federal Reserve's FedNow system have become mainstream channels within the U.S. financial system. Treasurers reconsidering their payment options need to keep in mind that new and unknown risks come along with this newfound speed and efficiency. Instant-payment rails operate with a potentially dangerous combination of both immediacy and finality."

Industry

JPMorgan Stablecoin Launch Plan Signals Wall Street’s Crypto Pivot

The Cryptonomist

"JPMorgan Chase & Co. is reportedly exploring whether to launch its own stablecoin, according to a report from The Wall Street Journal. If confirmed, JPMorgan’s exploration of a stablecoin would mark one of the most notable moves yet by a global banking giant into the digital-currency space, and it lands at a moment when regulators and rival institutions are moving fast on the same front. So far, there’s no confirmed timeline, no detail on how the token would be backed, and no word on whether regulators have signed off on anything."

Industry

Stablecoins Were Supposed to Bypass the Card Schemes. Instead, the Schemes are Positioning Themselves as the Operating System

CFI

"Stablecoins emerged with a disruptive promise: move money instantly, globally and cheaply without relying on banks, card schemes and correspondent networks that dominate conventional payments. Visa’s new Stablecoin Platform, revealed in July, gives banks, fintechs and crypto businesses a Visa-managed environment in which they can mint, redeem, hold and transfer stablecoins. Mastercard is pursuing the same opportunity from a different angle. It is expanding on-chain settlement across its own network using regulated stablecoins."

Industry

Dallas Fed Warns Tokenized Deposits Could Strip $700 Billion from U.S. Banks’ Lending Capacity

CoinDesk

"Tokenized deposits could reduce U.S. banks’ capacity to hold long-term interest-rate risk by about $700 billion if they make depositors 10% more sensitive to rates. That’s according to estimates from two Dallas Fed economists. A separate scenario found that if tokenization causes deposits to leave banks 10% sooner, banks could lose about $580 billion of capacity to absorb the interest-rate risk of long-term loans and securities, the economists estimated."

Industry

Large US Banks Move to Shield Consumers’ Passwords from Looming Quantum Threats

Financial IT

"It is expected that quantum computers will be able to crack many consumers' banking passwords, as they perform exponentially faster than today’s computers. Quantum computers will be able perform tasks in hours that would take today’s most powerful computers thousands of years. Some experts believe quantum computers could be commercially available within the coming years, potentially enabling hackers to break into consumers’ bank accounts and cryptocurrency wallets."

Industry

New X9 Payment Fraud Forum Kicks Off September 10

Business Wire

"The Accredited Standards Committee X9 Inc. (X9), the organization accredited by ANSI to develop financial industry standards for the United States, announced the first meeting of a new industry forum focused on U.S. payment fraud, with the goal of identifying ways to reduce and mitigate fraud across payment types. The group is member driven and will meet every month virtually; individual project teams will set their own schedules. Participation is open to anyone in the financial services industry."

Industry

Who Can Power Visa’s $7B Stablecoin Machine After BVNK?

CoinGape

"Mastercard’s $1.8 billion acquisition of stablecoin infrastructure provider BVNK has done more than expand its digital-asset capabilities. It has also changed the competitive landscape for stablecoin payments. That is by putting pressure on Visa to secure new infrastructure partners. As per analysts, several companies could fit parts of that profile..."

Industry

Stablecoins Are Becoming Payment Infrastructure: How Visa, Banks, and Crypto Firms Are Rebuilding Global Payments

Big News Network

"Stablecoins have moved from trading tools into the operational backbone of global payments. In the first half of 2026, adjusted on-chain volumes reached $8.82 trillion, with June alone hitting a record $1.79 trillion, according to Visa's analytics. Market capitalization stabilized near $300-322 billion, dominated by USDT and USDC. Traditional networks and banks no longer treat these instruments as peripheral experiments. They are embedding them into settlement, treasury, and cross-border flows."

Companies Industry

6 Ways to Future-Proof for FedNow’s Latest Update

RedCompass Labs

"Three years in, and the Federal Reserve has announced a set of additions to its instant payments service: payee name verification for FedNow, an industry-wide fraud forum, and enhanced ISO 20022 messaging.   Around 1,800 financial institutions are now live, including seven of the 10 largest banks, reaching more than half of all US checking and savings accounts. Not a bad effort.  Here are five of those announcements – plus one thing the Fed didn’t say – and what US banks can do about them."

Tags: RedCompass Labs

Industry

Citi, HSBC, Standard Chartered Adopt Ant International’s Forex AI Tool

Euronext

"Ant International launched an upgraded version of its artificial intelligence model, signing up major global banks as financial institutions accelerate the adoption of specialised AI to manage liquidity risks. The Singapore-based fintech giant rolled out its Falcon Time-Series Transformer Model 2.0 and has partnered with six large banks according to Kelvin Li, the firm's general manager of platform tech. The launch comes amid an accelerating global race among financial institutions to embed AI into their core operations."

Industry

The Voice Fraud Threat to Banking

ABA Banking Journal

"Voice fraud in banking increased by roughly 30 percent in 2025, with AI-powered synthetic voices capable of fooling even experienced professionals. Synthetic voice attacks against financial institutions rose sharply in 2024, increasing by a factor of approximately 20 compared to the prior year, as data from the same period indicated that roughly one in 750 banking calls was flagged as potentially fraudulent."

Industry

Education: A Beginner's Guide to Reg E

FINBOA

"If you're new to the banking operations team, you're probably hearing a lot about something called "Regulation E" or "Reg E." It might sound daunting, but don't worry—we're here to break it down for you in plain English. By the end of this guide, you'll understand what Reg E is, why it's important, and how it affects your day-to-day work."

Industry

New “Zombie Card” Flaw Lets Expired Visa Cards Make Contactless Payments

Cyber Security News

"Security researchers have demonstrated that an expired credit card is not as dead as most cardholders believe. A study from the University of Massachusetts Amherst reveals a practical NFC relay attack dubbed “Zombie Card” that revives expired Visa contactless cards, allowing them to complete real purchases at point-of-sale terminals across multiple US banks. The discovery is simple: card expiration in EMV contactless payments is enforced as a transaction policy check performed by the terminal, not as a cryptographic fact in the card itself."

Industry

Elon Musk’s X Explores Stablecoins for Creator Payouts

Crypton News

"Elon Musk-owned social platform X is discussing the use of stablecoins like $USDC to pay influencers and other content providers, CoinDesk reported Thursday, citing a person familiar with the discussion. Talks are ongoing, and X isn’t alone. Its peers are also testing stablecoins as a way to pay influencers and content creators, according to the source. Mark Zuckerberg’s Meta has begun paying select creators in $USDC on Solana and Polygon, reviving its stablecoin push after the collapse of its Libra/Diem project."

Industry

Stablecoin Remittances Face Reality Check in Banca d’Italia Study

Global Finance Magazine

"A new study from Italy’s central bank challenges one of the crypto industry’s biggest selling points: that stablecoins can make cross-border remittances cheaper and faster than traditional payment networks. Banca d’Italia’s research examined remittance corridors involving Italy, Argentina, Brazil, South Africa, the United Arab Emirates, and Japan, comparing USDC transfers against established money transfer services. Its conclusion was sobering. Stablecoin transfers showed no systematic cost advantage."

Industry

Scott Bessent Says Treasury Is 'Moving Quickly' on Stablecoin Rules: What's in the Proposal?

TradingView

"Treasury released the GENIUS Act stablecoin licensing rules Monday, setting out who needs a federal license to issue or sell stablecoins in the United States. The Notice of Proposed Rulemaking sets out two core frameworks. First, it defines what it means to issue a payment stablecoin in the United States, clarifying when an issuer needs a GENIUS Act license. Second, it defines what it means to offer or sell a stablecoin to someone in the United States, clarifying when and how stablecoins can reach US markets."

Industry

The Missing Link in Agentic Commerce

365 Retail

"The agentic AI vision where autonomous agents discover products, compare prices, place orders, manage logistics, and even returns on behalf of consumers, is certainly seductive. Ecommerce platforms, warehouse systems, customer service platforms, payment providers, ERP systems and carrier networks have all become very sophisticated but they have all been developed on their own. Even where they are connected, many are reliant on fragmented integrations, manual workflows or isolated data."

Industry

Rain Launches the Agentic Payments Alliance to Guide the Future of Agent-Driven Commerce

PR Newswire

"Rain, the enterprise-grade infrastructure for stablecoin-powered payments, announced the launch of the Agentic Payments Alliance (APA), a coalition of organizations working together to help guide the development of agentic commerce. Founding members include Visa, Mastercard, Fiserv, Circle, Solana, and Remitly. Founding members will get early access to Rain's Agentic Startup Program, an accelerator supporting early-stage companies building for agentic commerce."

Industry

Treasury Seeks Public Comment on GENIUS Act Proposed Rulemaking

U.S. Department of the Treasury

"The U.S. Department of the Treasury issued a Notice of Proposed Rulemaking (NPRM), seeking public comment related to Treasury’s implementation of section 3 of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. This NPRM sets forth Treasury’s proposed framework for implementing these requirements. By defining what it means to “issue a payment stablecoin in the United States,” the proposed rule would provide clarity to industry regarding when an issuer needs to obtain a GENIUS license."

Industry

OCC Grants World Liberty Trust a Preliminary Trust Charter, with Notable Smallprint

Ledger Insights - blockchain for enterprise

"The Office of the Comptroller of the Currency has granted preliminary conditional approval for World Liberty Financial to establish a national trust bank. World Liberty Trust Company would take over issuance and reserve management of the USD1 stablecoin from BitGo and offer digital asset custody services as a fiduciary. Consistent with the BitGo version, the bank plans to offer fee free issuance and redemption of USD1, which could draw volume away from rivals like Circle during periods of market stress."

Industry

Hawaii Bans Cash Deposits on Crypto ATMs

ATM Marketplace

"Hawaii is the first state to ban cash deposits on crypto ATMs, rather than banning them outright. The state passed this law to address ongoing concerns around fraud at crypto ATMs, according to a report by Hawaii News Now. Although the law bans cash deposits at crypto ATMs, customers can convert crypto into cash or make withdrawals at the machines. The law takes effect Oct. 1."

Industry

SEC Regulation: CLARITY Act Stalls in Senate Without Final Vote

Icobench

"In SEC regulation news today, the Senate adjourned on Aug. 8 without holding a final vote on the Digital Asset Market Clarity Act of 2025, also known as the CLARITY Act. The Senate is in recess until Sept. 14, according to the ABA Banking Journal."

Industry

Digital Assets 101: A Credit Union's Guide to Cryptocurrency, Stablecoins, Tokenized Deposits and Central Bank Digital Currency

Velera

"Digital assets are no longer just a conversation about cryptocurrency. Stablecoins, tokenized deposits and central bank digital currencies (CBDCs) are beginning to reshape how money moves, how payments settle and how financial institutions think about the future of banking. For credit unions, the question is no longer whether digital assets matter — it's how to prepare for what comes next."

Industry

From MiCA to GENIUS: Why Crypto's Next Regulatory Test Is Cross-Border Coordination

Finance Magnates

"The central debate in digital asset policy used to be whether to regulate. That question is settled. MiCA's transitional period ended July 1st, 2026; the UK finalized its cryptoasset rulebook on June 30th; the US celebrated the one-year anniversary of the GENIUS Act becoming law; and the SEC and CFTC issued joint guidance in mid-March that classified digital assets as digital commodities. What now keeps industry participants up at night is whether rules written in Washington, London, and Brussels can interoperate with one another."

Industry

Education: Account 2 Account Payments

Opinium

"For more than a decade, Account-to-Account (A2A) payments have been portrayed as the next major evolution in payments. A2A payments are, at their simplest, the movement of money directly from one bank account to another. They encompass a range of payment mechanisms including traditional bank transfers, Faster Payments in the UK, SEPA Credit Transfers and SEPA Instant across Europe, ACH transfers in the United States, and increasingly, Pay by Bank experiences enabled through Open Banking in the UK."