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Core Insights - Inter&Co Inc. has been recognized as a "Most Honored Company" in the mid-cap financials sector by Extel, reflecting strong management and investor relations based on feedback from over 500 financial firms [1][4] - The company's stock (INTR) has increased by more than 210% since the introduction of its 60/30/30 plan in 2023, which aims for 60 million clients, a 30% efficiency ratio, and a 30% return on equity (ROE) by 2027 [2] - Inter has evolved its investor relations (IR) function to be data-rich and analytics-driven, enhancing the modeling of its business, with leadership changes that strengthen its focus on both company-specific and macroeconomic issues [3] Investor Relations Achievements - Inter's disciplined approach to investor communication has been validated through various accolades, including first place for Best Investor Day and second place for Best Company Board, Best CEO, and Best CFO [6] - The recognition underscores the credibility of Inter's long-term strategy and reinforces investor confidence in a competitive fintech landscape [4] Company Overview - Inter&Co is a pioneer super app serving over 40 million consumers across the Americas, offering a wide range of services such as digital accounts, investments, mortgages, and credit [5] - The company is rapidly expanding in the United States, highlighted by its naming rights sponsorship of the Inter&Co Stadium, home to Orlando City SC and Orlando Pride [5]

Regulatory Scrutiny - A California court is investigating secret rebate payments from fintechs issuing prepaid cards for class action settlements, specifically in a case involving Meta [1] - Forbes investigation in May exposed these secret rebate payments [1]

Core Insights - The focus is on finance and investing, particularly in sectors like AI, fintech, and technology, emphasizing business analysis, fundamental analysis, and long-term growth [1] Group 1: Company Analysis - The company actively analyzes publicly traded firms, concentrating on their business models, earnings performance, and competitive positioning [1] - The company aims to provide clear and unbiased insights into the strengths, risks, and valuation of companies to assist investors in forming their own opinions and strategies [1] Group 2: Content Creation - The company runs a finance-focused YouTube channel named "The Market Monkeys," sharing insights on investment strategies, earnings reports, and market trends [1] - The company contributes research-backed analysis on Seeking Alpha to help investors make informed decisions [1]

Summary of Key Points from the Fintech Radar | Europe Industry Overview - The report focuses on the developments in the stablecoin space, highlighting changes in attitudes and policies in the EU, Japan, and China, as well as news from neobanks and M&A activities in the fintech sector [1][5] Company-Specific Developments Figure Technology Solutions - Figure has filed for an IPO with plans to list on Nasdaq under the ticker "FIGR" [1] - The company reported $191 million in revenue for H1 2025, a 22.4% year-over-year increase, and a net profit of $29 million, compared to a $13 million loss in H1 2024 [1] - Total revenue for the 12 months ending June 30, 2025, was $341 million [1] - Figure has facilitated over $16 billion in home equity loans and processed more than $50 billion in on-chain transactions [1] Mesh - Mesh raised at least $10 million from PayPal Ventures and Coinbase Ventures, bringing total funding to $130 million [2] - The firm focuses on account-to-account connectivity and "Pay with Crypto" flows, which are increasingly important for exchanges and neobanks [2] Kraken - Kraken has acquired Capitalise.ai to enhance its trading automation capabilities [3] - This acquisition follows Kraken's earlier purchase of NinjaTrader, indicating a strategic push into multi-asset and pro-trading tools [3] Midas - Midas, a Turkish investment platform, secured $80 million in Series B funding, marking a record for Turkish fintech companies [4] Starling Group - Starling has agreed to acquire UK fintech Ember to integrate tax and accounting software into its business banking services [8] N26 - N26 co-founder Valentin Stalf will transition from CEO to the Supervisory Board, with a new CEO to be appointed [15] Regulatory and Market Trends EU Digital Euro - The EU is accelerating plans for a digital euro in response to the US GENIUS Act, which has raised concerns about the competitiveness of European digital currencies [9] China’s Yuan-backed Stablecoins - China is reportedly considering yuan-backed stablecoins to enhance global currency usage, particularly in light of the rise of dollar-backed tokens [11] Japan’s Yen-pegged Stablecoin - Japan is set to approve its first regulated yen-pegged stablecoin, which could significantly impact the country's digital finance landscape [12] Wyoming's FRNT Stablecoin - Wyoming has launched the Frontier Stable Token (FRNT), a USD-pegged stablecoin, making it the first U.S. public entity to issue a blockchain-based stable token [13] Funding Trends - Global fintech funding continues to grow, with US fintechs leading at approximately $12.9 billion, followed by Europe at $9.5 billion and Asia at $4.6 billion [21][24][26] Conclusion - The fintech landscape is rapidly evolving with significant IPOs, acquisitions, and regulatory developments across various regions, particularly in the stablecoin sector. Companies are diversifying their offerings and seeking new funding avenues to enhance their market positions [1][2][3][9][11][12][21]

Project Launch - Ex-Revolut executives are launching a perp DEX on Starknet [1] - The DEX is described as ultra-efficient and feature-rich [1] Strategic Implications - Extended is adding the final missing pieces to Starknet's BTCfi strategy [1]

RT Token Terminal 📊 (@tokenterminal)🟠🏦 What @ycombinator fintech founders are building in 2025:Freya -- Voice AI Agents For Financial Services And Other Regulated IndustriesCacao -- Brazilians can now receive USD & crypto instantlyVeritus Agent -- AI agents for loan servicing and collectionsMunify -- The Cross-Border Neobank for the Middle East and its DiasporaPalace -- Investment monitoring & reporting for private market investorsIron Grid -- AI Insurance for hardwareSolva -- Harvey for insuranceMimos -- H ...

Core Insights - SoFi Technologies' shares have increased by 198% over the past year, reflecting strong financial performance and growing excitement from investors [1][2] - The financial services industry is large, but SoFi is emerging as a respected brand with significant growth [3] Customer Growth - As of June 30, SoFi had 11.7 million customers, a 34% increase year-over-year, and over 10 times the total from the end of 2019 [4] - The increase in customers has led to a 43% growth in revenue for Q2, with projected revenue increases of 31% in 2025, 22% in 2026, and 20% in 2027 according to Wall Street consensus [4] Strategic Goals - CEO Anthony Noto has expressed confidence that SoFi will become a top 10 financial institution, indicating ambitious long-term goals [5] - The company is expanding its offerings, including the re-introduction of cryptocurrency trading and plans for an international money-transfer service utilizing Bitcoin's lightning network [6]

Core Insights - SoFi Technologies has seen its stock price increase by 225% over the past year, indicating strong investor confidence in the digital banking sector [2] - The company has successfully leveraged technology to grow its user base to 11.7 million members, a 34% increase year over year, contributing to a 43% revenue gain [5] - SoFi aims to become a top 10 financial institution in the U.S., with a current asset base of $41 billion compared to the 10th largest, Bank of New York Mellon, which has $398 billion in assets [6] Company Performance - SoFi reported adjusted diluted earnings per share of $0.08 for the latest quarter, a 700% increase year over year, with a full-year forecast of $0.31 [10] - Revenue is expected to grow at a compound annual rate of 24.6% from 2024 to 2027, suggesting a positive outlook for profitability [10] - The absence of physical branches allows SoFi to reduce costs and invest more in product development and marketing [11] Product and Service Strategy - SoFi's diverse suite of products enables cross-selling opportunities, potentially increasing revenue per user over time [7] - The company is expanding into the cryptocurrency space, allowing customers to buy, sell, and hold digital assets, and has partnered with Lightspark for international money transfers using Bitcoin [8][9] Market Position and Valuation - Despite the significant rise in stock price, SoFi's forward price-to-earnings ratio is currently at 72, reflecting high expectations for future success [12] - Investors with a long-term perspective may find potential for substantial returns, although caution is advised against over-reliance on a single investment [13]

🟠🏦 What @ycombinator fintech founders are building in 2025:Freya -- Voice AI Agents For Financial Services And Other Regulated IndustriesCacao -- Brazilians can now receive USD & crypto instantlyVeritus Agent -- AI agents for loan servicing and collectionsMunify -- The Cross-Border Neobank for the Middle East and its DiasporaPalace -- Investment monitoring & reporting for private market investorsIron Grid -- AI Insurance for hardwareSolva -- Harvey for insuranceMimos -- Helping regulated firms show up in AI ...