Investment Rating - The report does not explicitly provide an overall investment rating for the fintech and payments industry, but it highlights mixed performance among recent IPOs and varying investor sentiment towards growth and profitability metrics. Core Insights - The report indicates that public fintech companies are underperforming compared to the S&P 500 and Nasdaq, with a noted shift in investor focus from raw growth to growth unit economics and margin quality [7][10]. - Structural growth deceleration is becoming evident, with many mature fintech companies facing competitive pressures and entering multi-year investment cycles that limit near-term revenue acceleration [10][8]. - Companies are increasingly leveraging AI to drive operational efficiencies, with examples of firms like Klarna and SoFi implementing AI-driven models to enhance profitability and reduce costs [7][10]. Summary by Sections Key Takeaways - New listings in the fintech sector have shown mixed performance, with some companies like Circle and Figure seeing significant share price increases, while others like eToro and Navan have experienced declines [7]. - The earnings visibility discount is growing, leading to reduced investor confidence in near-term earnings and a focus on the quality of earnings as a valuation driver for 2026 [7][10]. Stock Returns - The report provides a detailed overview of stock performance across various fintech segments, indicating that neobanks and neobrokers have seen median returns of -3% over the past year, while high-growth fintech cohorts have shown more resilience [11][12]. Revenue - Revenue growth estimates for neobanks and neobrokers are projected to decline from a median of 36% in 2025 to 20% in 2026, reflecting a broader trend of recalibrated growth expectations across the fintech landscape [10][14]. - The report highlights specific revenue figures for key players, such as Coinbase with $55 billion in revenue and Robinhood with $102.8 billion, showcasing the significant scale of operations within the sector [14].

RT Sei (@SeiNetwork)AI, mobility, robotics, stablecoins, RWAs, x402, payroll, predictions +The future is happening fast. It happens faster on Sei.Here's what you might have missed this week ↓🔴 @AIxC_Official is partnering with @Sei_FND to explore onchain applications, including apps for @FaradayFuture's mobility and robotics ecosystem: https://t.co/OLTPFVO5cq🔴 Stablecoin payroll is replacing legacy rails. Read the Sei market report exploring the forces bringing sub-second settlement to the global workforce: ...

Group 1: Conference Overview - CoinDesk's annual Consensus Hong Kong conference will commence with a speech from Hong Kong Chief Executive John KC Lee [2] - The conference will feature discussions on the growth of real-world asset tokenization, stablecoins, and evolving payment systems, including exchange-traded funds (ETFs) [3] - Panels will include regulators and industry participants discussing privacy, artificial intelligence, decentralized finance, and trading behaviors [4] Group 2: Regulatory Context - SEC Chair Paul Atkins will be testifying before the House Financial Services and Senate Banking Committees, with expectations that cryptocurrency topics will arise [5] - The White House is organizing a second meeting between representatives of the crypto and banking industries to address stablecoin yield concerns [6] Group 3: Schedule Highlights - Day 1 of Consensus Hong Kong will start at 01:30 UTC (9:30 a.m. HKT) [7] - Day 2 of Consensus Hong Kong will kick off at 02:00 UTC (10:00 a.m. HKT) [6]

RT Austin | Stablecoins (@web3ausheat)Crypto is eating all areas of finance ...

AI, mobility, robotics, stablecoins, RWAs, x402, payroll, predictions +The future is happening fast. It happens faster on Sei.Here's what you might have missed this week ↓🔴 @AIxC_Official is partnering with @Sei_FND to explore onchain applications, including apps for @FaradayFuture's mobility and robotics ecosystem: https://t.co/OLTPFVO5cq🔴 Stablecoin payroll is replacing legacy rails. Read the Sei market report exploring the forces bringing sub-second settlement to the global workforce: https://t.co/soXTru ...

Predict when stables become the default way to pay👇 ...

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Is crypto dead. >> Capital, technology, and culture. And if you look at those three things, I think they're good ways to identify whether or not you continue to see the momentum gives you then a signal to say, is this something that you want to continue investing in or looking at to invest in or considering to to enter, right.What is a good predictor of uh innovation, adoption. It boils down to three things. in my [music] face.She's the queen of the game. Stacking crypto like it's her claim the fame. If you ...

One of the largest topics right now around crypto is simply clarity. When are we going to get clarity for crypto. And are we going to get proper clarity. We're talking about clarity that's not going to succumb to the banks and essentially cut out the little guys.And by little guys, I mean you, me, and the retail investors that just want to park their stable coins on a platform and earn 5% or more on our money because these big banks are greedy. They do not want to pay us on our savings accounts. Uh they're, ...

$180 MILLION+ trusted in Stablecoin Earn.Your stablecoins don’t need to wait. They can earn.USDC, USDT, USDA, DAIExplore in Home → ‘Earn’: https://t.co/AXV4VkTUWC https://t.co/Rt7tedyvcI ...