Ripple has no plans to pursue an initial public offering despite closing a $500 million fundraising in November at a $40 billion valuation that attracted major Wall Street players. President Monica Long confirmed the decision in a Bloomberg interview, stating the company remains committed to staying private while leveraging strategic investor relationships and a strong balance sheet to fund continued expansion. The $40 billion valuation round brought Fortress Investment Group and Citadel Securities onto ...

Core Insights - Fidelity National Information Services, Inc. (FIS) is positioned for growth due to strong segment performances, digital transformation, international market presence, collaborations, and solid cash flow generation abilities [1] - FIS shares have increased by 1.9% over the past three months, outperforming the industry which saw a 1% decline [1] Company Overview - FIS has a market capitalization of $34.8 billion and provides banking and payments technology solutions, processing services, and information-based services to the financial services industry [2] - The company's forward P/E ratio is 10.63X, significantly lower than the industry average of 21.13X, and it holds a Value Score of B [2] - FIS currently has a Zacks Rank of 3 (Hold) due to solid prospects [2] Earnings Estimates - The Zacks Consensus Estimate for FIS's 2025 earnings is $5.77 per share, reflecting a 10.5% year-over-year increase [3] - Revenue estimates for 2025 are projected at $10.6 billion, indicating a 4.6% year-over-year rise [3] - FIS has beaten earnings estimates in three of the past four quarters, with an average surprise of 1.6% [3] Growth Drivers - FIS is experiencing solid revenue growth, particularly from its Banking Solutions and Capital Market Solutions segments, each showing a 6% year-over-year increase in adjusted revenues for Q3 2025 [4][9] - The company's diverse customer base, high recurring revenues, ongoing digital strategy, market strength, and core business resilience contribute to sustained revenue growth [4] Artificial Intelligence Integration - FIS is incorporating artificial intelligence into its growth strategy, utilizing AI for automation, predictive insights, and advanced fraud detection [5] - AI is also enhancing internal sales effectiveness and client support, contributing to growth and margin expansion [5] Strategic Expansion - FIS is expanding its reach through targeted acquisitions and partnerships to enhance its digital and payments capabilities [6] - Investments in digital onboarding, credit processing, and advanced payment infrastructure are broadening its addressable market [6] - The partnership with Circle aims to enable U.S. financial institutions to offer USDC-based domestic and cross-border payments [6] Shareholder Returns - In Q3, FIS returned $509 million to shareholders through $301 million in share buybacks and $208 million in dividends [7] - The company has raised its share buyback target for 2025 to approximately $1.3 billion from $1.2 billion [7] - FIS intends to maintain quarterly dividend payments in line with the growth in adjusted EPS [7] Financial Challenges - FIS faces rising cost pressures that may impact margins, with long-term debt at $8.9 billion as of September 30, 2025 [10] - Net interest expenses increased by 40.6% year-over-year to $90 million in Q3 2025, contributing to financial constraints [10] - The net debt-to-capital ratio stands at 45.5%, significantly above the industry average of 15% [10]

RedotPay, a stablecoin payments fintech, has completed a $107 million Series B round led by Goodwater Capital, with participation from Pantera Capital, Blockchain Capital, and Circle Ventures. Existing investor HSG (formerly Sequoia China) also continued its support. The round was all equity, and the post-money valuation was not disclosed. https://t.co/vNyLx9zjlO ...

🇨🇳 NEW: Chinese tech company @Xiaomi is integrating a next-gen finance app powered by @SeiNetwork, bringing instant stablecoin payments directly into its global mobile ecosystem. https://t.co/spj45hbNee ...

European Bank Revolut Taps Ethereum Network Polygon for Remittances, Stablecoin Payments► https://t.co/Xv2D3mq9b3 https://t.co/Xv2D3mq9b3 ...

3/PolyFlow, with over $750M+ processed volume, and partnerships with Visa, Ripple, and Circle, brings real-world credibility to the decentralized economy.It’s the PayFi layer that connects merchants, users, and liquidity through custodial-free, smart-contract settlements making stablecoin payments as smooth as any fintech app. ...

Core Insights - Visa Inc. has launched a pilot program for instant payouts in USD-backed stablecoins like USDC through its Visa Direct platform, targeting creators and gig workers for direct earnings transfer to crypto wallets [1][9] - The initiative aims to modernize payment systems by utilizing blockchain technology for faster and more efficient fund transfers, enhancing accessibility for the digital workforce [2][3] Group 1: Visa's Initiative - The pilot program allows platforms and marketplaces to send earnings to users' crypto wallets instantly, moving away from traditional slower methods [2] - This initiative represents a significant step in bridging traditional finance with digital currency, streamlining cross-border payouts and enhancing user trust in blockchain for real-world transactions [3] - A broader rollout of the program is expected in the second half of 2026, indicating Visa's commitment to payment innovation and addressing the demand for digital-first financial solutions [4][3] Group 2: Competitive Landscape - Competitors like Mastercard and American Express are also advancing in the stablecoin space, with Mastercard unveiling end-to-end capabilities for stablecoin transactions and joining the Global Dollar Network [5][6] - American Express has partnered with Coinbase for a crypto-linked credit card, indicating a more cautious approach to blockchain innovation compared to Visa's aggressive strategy [6] Group 3: Financial Performance and Valuation - Visa's shares have increased by 7.2% year to date, outperforming the broader industry but lagging behind the S&P 500 Index [7] - The company trades at a forward price-to-earnings ratio of 26.05X, higher than the industry average of 20.65, reflecting its premium valuation [10] - The Zacks Consensus Estimate predicts an 11.7% rise in Visa's fiscal 2026 earnings year over year, followed by a 13.3% growth in the subsequent year [11]

Core Insights - Visa Inc. has launched a pilot program allowing businesses to send payouts directly to recipients' stablecoin wallets, enhancing the speed and accessibility of global payouts [1][3] - The pilot enables businesses to fund payouts in fiat currency while recipients can receive funds in USD-backed stablecoins like USDC, catering to creators, freelancers, and marketplaces [1][6] Group 1: Pilot Program Details - The pilot program aims to provide universal access to money in minutes, benefiting creators, businesses, and freelancers by facilitating faster and more flexible money movement [2][6] - Visa Direct's latest pilot allows U.S. platforms and businesses to send payouts directly to users' stablecoin wallets, eliminating the need for traditional banking methods [6][7] - The program is designed to support consumers in underbanked regions, offering a stable store of value and near-instant access to funds [6][8] Group 2: Market Research and Demand - According to the Visa 2025 Creator Report, 57% of digital content creators prefer digital payment methods for instant access to funds, highlighting the demand for faster payment solutions [2] - The pilot is expected to expand access with a broader rollout planned for the second half of 2026 as client demand grows and regulatory frameworks advance [6][8] Group 3: Advantages of Stablecoin Payouts - Stablecoin payouts provide increased transparency, as every transaction is permanently logged on the blockchain, supporting auditability and compliance [6] - The consistent, USD-pegged value of stablecoins helps establish predictability for recipients, allowing them to hold, spend, or convert their stablecoins flexibly [6][7]

RT Capital Markets (@capitalmarkets)The momentum gets intensified each week with institutional interest, capital inflows, strategic alliances, new products and much more.We bring you a few of the key developments from last week.- @Solana ETFs pulled in $136.6M in weekly inflows, while BTC & ETH ETFs saw net outflows- RWAs on Solana hits $800M+ in total value for a new ATH; Total holders crossed 100K (h/t @RWA_xyz)- Solana joined the Blockchain Payments Consortium (BPC) to standardize stablecoin payments- @B ...

Technology Integration - X Layer 将支持 @Wallet x402 API [1] - 开发人员将能够使用 OKX Wallet API 实现免 gas 稳定币支付、即时链上结算和安全交易 [1] OKX Wallet API Features - 支持免 Gas 稳定币支付 [1] - 提供即时链上结算 [1] - 确保交易安全 [1]