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July 31, 2026
On the web
Education: Anyone Can be a Victim: Understanding Scam Risk Across Customer Segments
FedPayments Improvement
"Criminals don’t always choose victims at random. While many scams are broad and opportunistic, criminals also segment, personalize, test and refine their tactics. To understand how various groups are targeted and what financial institutions can do about it, we will begin with the psychology that drives modern scams operations. This introductory article sets the foundation for a deeper exploration of victim demographic and event specific vulnerabilities covered throughout this series — Understanding Scam Risk Across Customer Segments."
July 30, 2026
Top Post
Stripe Reportedly Nears $10B Acquisition of AI Startup OpenRouter
Citybiz
"Stripe is in talks to acquire AI startup OpenRouter in a deal valued at approximately $10 billion, according to a report from The Wall Street Journal, citing people familiar with the discussions. The report said an agreement could be announced soon. OpenRouter develops software that enables businesses and developers to access a wide range of artificial intelligence models through a single platform. Its service supports models from OpenAI and Anthropic, along with open-source alternatives, allowing customers to switch between providers without rebuilding applications."
On the web
Large Gains in Same Day ACH Help Drive ACH Network in Second Quarter of 2026
Nacha
"A nearly 30% jump in the number of Same Day ACH payments and a nearly 10% increase in business-to-business payments helped drive the ACH Network’s second quarter 2026 growth. For the quarter, volume on the ACH Network totaled 9.3 billion payments valued at $25.9 trillion, respective increases of 6.2% and 11.1% over the same period in 2025. Same Day ACH handled 435.7 million payments in the second quarter, up 29.5%, while the value of those payments climbed 28.1% to $1.3 trillion."
Agentic Commerce: A New Chapter for Instant Payments
Citi
"Agentic commerce is the new frontier where AI agents execute e-commerce transactions on behalf of consumers demanding payment rails optimized for speed security and cost. Instant payments are uniquely positioned to power agentic commerce by providing the speed, finality, and rich data reconciliation that machine-native API-driven transactions require. Markets like India, Brazil, and Thailand have shown the scale instant payments can achieve with the right regulatory clarity and incentive design, and agentic commerce gives other markets a fresh reason to close the gap."
Visa’s $4T Bet: The Largest Payment Network Declares Agentic Commerce a Growth Driver
Forkast
"During Visa’s Q3 FY2026 earnings call on July 28, CEO Ryan McInerney positioned agentic commerce as the next major adoption curve, explicitly linking it to the historical trajectories of e-commerce, mobile payments, and tokenization. For an organization that just saw its payments volume surpass $4 trillion for the first time, this is a clear signal: Visa is betting that the next $3 to $5 trillion in addressable market volume will be initiated by non-human actors."
Lloyds Deploys Agentic AI to Fight Cyber Fraud in Real Time [Video]
Cyber Magazine
"Lloyds Banking Group is expanding its deployment of AI to address one of the most persistent and costly challenges – fraud. Over £1bn (US$1.3bn) of fraud was prevented in 2025 by Lloyds. Since 2023, the banking giant invested £100m (US$133.8m) in new fraud technology, positioning the organisation at the leading edge of AI-driven crime prevention. The core of Lloyds' defence strategy is a newly deployed agentic AI system designed to enhance real-time threat assessment across its fraud operations."
Visa Expands Visa Pay SDK Across Africa and Central Asia to Accelerate Digital Payments
TechAfrica News
"Visa is expanding access to Visa Pay for additional issuers across Africa and Central Asia through a software development kit (SDK) that helps banks, mobile money operators and fintechs embed Visa Pay capabilities into their existing mobile applications and launch virtual cards and payment experiences quickly and securely. Visa Pay is an interoperable and secure way for banked and unbanked consumers to pay, get paid, and move money across participating banks, fintechs and mobile networks."
Plaid Builds AI Model to Decode Consumer Financial Behavior
Bank Info Security
"Banks and lenders often can't tell the difference between a customer having a bad month and a bad customer having a good month. Financial data company Plaid built a foundation model that it says makes that distinction. Plaid spent about a year building the foundation model, which analyzes how and where money moves and the sequence in which it moves."
Mastercard Launches Scam Program And Expands Stablecoin Payment Infrastructure
Yahoo Finance
"Mastercard launched a new Scam Merchant Monitoring Program that pushes acquiring banks to investigate suspected fraud within strict timelines. In addition, the company is expanding stablecoin settlement support, including through its acquisition of BVNK and a focus on deeper banking as a service offerings. These moves aim to tighten consumer protection and build out Mastercard's infrastructure for stablecoin linked payments."
Wise Denied US Banking License After Shifting Main Stock Market Listing
Yahoo Finance
"Wise said it has been denied a US banking license in a setback to the payments firm after moving its main stock market listing across the pond. The London-based business had applied for a national bank charter in the hope of being able to operate under the regulation of the Office of the Comptroller of the Currency (OCC). The license would give it direct access to payment systems through the Federal Reserve. But Wise said the application was denied due to historical issues with its original application including relating to financial crime."
Swift: A Better Cross-Border Payment Experience Is Here
Swift
"The industry has worked towards a simple ambition: making cross-border payments feel as seamless as domestic ones. That ambition is becoming a reality. In some of the world’s busiest remittance corridors, consumers can now send money across borders with greater speed, transparency and predictability. Payments from Australia to Spain have been completed in as little as 23 seconds, while transfers from Australia to India have arrived in 37 seconds. This progress is being delivered by Swift’s new scheme—a shared framework for retail payments."
AI and the Global Economy: Implications for Central Banks
BIS
"The AI boom is driving a large, increasingly debt-financed investment surge and boosting trade and equity markets, generating sizeable terms-of-trade and wealth effects that differ across countries. The productivity payoff from AI, though potentially large, remains uncertain and uneven, across both sectors and countries. By simultaneously affecting demand and supply, AI blurs cyclical signals, complicating central banks' assessment of underlying economic conditions and monetary policy calibration."
Revolut to Offer ChatGPT Subscriptions in OpenAI Deal [UK]
UKTN
"Fintech Revolut will give its retail customers access to ChatGPT Go as part of a new partnership with OpenAI. ChatGPT Go is a medium tier subscription for the AI chatbot that typically costs users a monthly fee of £7. Revolut will offer retail customers on its Metal and Ultra subscriptions free access to the premium tier of ChatGPT 12 months, while the cheaper two Revolut subscriptions will offer ChatGPT Go for three and six months respectively."
Visa: Agentic Payments from the Ground Up: What the Onchain Data Tells Us
Visa
"Until recently, software could read a webpage and suggest what to do next, but it couldn’t actually pay for anything. AI agents now book travel, reorder inventory, query data providers, and buy compute for the businesses and people they work for. Visa worked with Artemis to look at the protocols, standards, and live onchain data behind agentic payments, and to get a clearer read on where this is heading."
On the wires
BNY Launches Global Digital Transfer Agency Capabilities, Extending Leadership in Fund Servicing to Digital Market
PR Newswire
"BNY announced the launch of its new Digital Transfer Agency (TA) capabilities, meeting an expanded set of client needs by extending the firm's leading TA services to support digitally native funds. BNY Digital TA modernizes BNY's fund servicing capabilities to support both digital and traditional asset funds in an end-to-end lifecycle across multiple jurisdictions and blockchains, enabling a unified client servicing experience."
July 29, 2026
Top Post
Visa Used Mythos to Hunt for Bugs in Its Own Payment Network, Then Open-Sourced the Harness That Made It Possible [Video]
VentureBeat
"Visa aimed Anthropic's Claude Mythos at the infrastructure behind billions of daily transactions, a network that spans more than 200 countries and territories, moves money in roughly 160 currencies, and connects nearly 5 billion payment credentials to more than 175 million merchant locations. The model stitched minor weaknesses deep in the stack into working exploit chains that would traditionally have surfaced only late in penetration testing. Hear about a new metric that is mean time to exploit and adapt."
Is Agentic Commerce the Future of AI-Powered Shopping?
J.P.Morgan
"Right now, AI shopping is essentially decision support. The human customer drives the process, with the chatbot as an advisor. The vision is that AI agents will go shopping for you, and act as your autonomous representatives in the market: negotiating with suppliers, interacting with brands, even completing a transaction. Businesses are preparing for this world. But would you be happy to delegate decision-making to AI—or to let it spend your human-earned cash? We asked thought leaders for their perspective."
On the web
Financial Services Intelligence Report July 2026
J.D. Power
"The great unbundling of the banking and financial services industry may have reached a turning point. After several quarters of losing share of new account openings to FinTech challenger brands, the big banks have come roaring back in the second quarter of 2026. According to JD Power Signals Intelligence for Financial Services, major national brands have assumed the top spots in new checking, savings, investment, retirement, credit card and personal loan account opening rates."
How Do We Regulate Payments When It’s AI Agents Spending the Money?
World Economic Forum
"AI agents are moving from giving advice to taking action – for payments, the consequences are immediate and can be difficult to reverse. Financial institutions have long built trust around knowing who is behind a transaction; agentic AI adds a layer between the human and the payment that existing controls were not designed to handle. The future of trusted transactions will depend on understanding intent, authority and context alongside established rigorous identity checks."
TCH: Use Case Evolution Is One Factor in RTP’s Instant Payments Growth
Digital Transactions
"Business-to-business payments were one of the first use cases for instant payments when the RTP network from The Clearing House Payments Co. LLC debuted in 2017. The use cases are evolving, with digital wallets—like PayPal and Venmo—now being the largest use cases on the RTP network. Another use with potential is request for payment [RfP]. This option enables billers and merchants to receive nearly immediate payment. RTP has RfP activity on the network, with 300,000 to 400,000 RfPs processed monthly."
On the wires
MoonPay Launches PayBox, a Payment Vault for Claude and ChatGPT That Turns Prompts Into Payments
PR Newswire
"MoonPay has launched PayBox, the first payment vault built for AI that lets a person's AI agent transact on the open internet without leaving the conversation. Anyone can now connect PayBox to Claude or ChatGPT through a custom connector and give their AI the ability to securely transact across the open internet. Users simply describe what they want in natural language: "Onramp $100 into PYUSD""Swap $100 of PYUSD to SOL."
July 28, 2026
Top Post
Three New Nacha Rules Approved
Nacha
"Nacha voting members have approved three new Nacha Rules—including one which took effect immediately, opening the ACH Contact Registry to the U.S. Treasury’s Bureau of the Fiscal Service (BFS). Another newly approved Rule will document the current set of characters that are accepted by the two ACH Operators. The third approved Rule creates an exception to a separate, upcoming Rule concerning funds availability."
On the web
Visa Is Cutting 7% of Employees in Efficiency Push as AI Reshapes Work
CNBC
"Visa plans to eliminate about 2,600 jobs, mostly in its technology and product operations, representing roughly 7% of its workforce. CEO Ryan McInerney said AI is helping “shape the way work gets done at Visa,” while a person with direct knowledge said AI was a significant factor, but not the sole driver, of the layoffs. Visa intends to reinvest in growth areas including affluent customers, cross-border payments, business remittances and geographic expansion."
Corpay Introduces Agent Card Capability to Power Secure Agentic Commerce
Business Wire
"Corpay announced Agent Card, a new capability that enables secure virtual card creation for AI-driven commerce workflows. In April, Corpay brought AI into the everyday work of finance teams with an AI Virtual Assistant in the Corpay Complete platform. With Agent Card, Corpay extends their AI first approach a step further, allowing AI agents to act on a business's behalf directly, within the same controls that have always defined Corpay's approach to payments."
Musk’s Payments Platform X Money Launches Limited US Rollout After Invite-Only Beta
Technology
"X has opened its financial services platform to paying subscribers in the U.S. X Money is now available to Premium & Premium+ members aged 18+, following an invite-only beta phase. The product gives users a deposit account, peer-to-peer payments and a debit card. The platform integrates with both Visa and Apple Wallet, and offers a digital card plus a physical metal version that can be engraved with a user’s X handle. Advertised perks include up to 6.00% APY, 3% cashback bonuses, no foreign transaction fees and early direct deposit."
Checkout.com Strengthens UAE Offering with In-Principle Stored Value Facilities License
Checkout
"Checkout.com announced that it has been granted in-principle approval for a Stored Value Facilities (SVF) licence by the Central Bank of the UAE (CBUAE). The regulatory milestone will allow Checkout.com to introduce issuing capabilities alongside its existing acquiring services in the UAE on a single platform built for performance."
Fidelity Chooses Ethereum for Its First Stablecoin
CoinPedia
"Ethereum has been selected by Fidelity as the blockchain for its first stablecoin, Fidelity Digital Dollar (FIDD). Issued by Fidelity Digital Assets, an OCC-chartered national trust bank, the stablecoin marks the firm’s expansion into on-chain financial services. Fidelity serves more than 50 million investors, oversees $17.9 trillion in assets under administration, and processes 5.5 million average daily trades."
On the wires
ACI Worldwide and dLocal Bring Latin America's Leading Local Payment Methods to Global Merchants
Business Wire
"ACI Worldwide and dLocal announced a strategic partnership that gives global merchants immediate and seamless access to leading local payment methods in Brazil and Mexico through the ACI Payments Orchestration Platform, with Argentina, Chile, Colombia and Peru planned for future rollout. Merchants can onboard and begin processing transactions today using six local payment methods across the two markets, including Pix, PicPay, Mercado Pago and NuPay in Brazil, and Mercado Pago, OXXO and SPEI in Mexico."
July 27, 2026
On the web
Circle Acquires IBM Blockchain Patent Portfolio
Circle
"Circle Internet Group, Inc. announced the acquisition of fundamental assets from the IBM blockchain patent portfolio. The portfolio comprises over 680 patent families and nearly 1,000 issued patents worldwide, spanning foundational blockchain technology, banking, financial services, insurance, enterprise infrastructure, supply chain verification, and secure cloud operations. With this acquisition, Circle becomes the leader in blockchain patent holdings in the United States."
Billtrust Is First AR Platform to Connect Live Invoice-to-Cash Intelligence to Claude and Microsoft Copilot
Billtrust
"Billtrust, the B2B Cash Generation Platform, announced the launch of the Billtrust MCP Server, becoming the first AR platform to directly connect live invoice-to-cash intelligence to leading AI assistants via the Model Context Protocol (MCP). Finance teams can now query their live invoice-to-cash data directly from inside Microsoft Copilot™ and Claude™, using plain language to get data-backed answer in seconds without logging into a separate platform or stitching data together from multiple sources."
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