Core Insights - PayPal Holdings, Inc. is valued at $71.3 billion and has been a leader in the fintech industry for over two decades, with its mobile payment service Venmo particularly popular among younger generations [1] Financial Performance - PayPal is set to announce its third-quarter results on October 28, with analysts expecting an adjusted EPS of $1.20, remaining flat year-over-year [2] - For the full fiscal year 2025, PayPal's adjusted EPS is projected to be $5.24, reflecting a 12.7% increase from $4.65 in fiscal 2024, and a further increase to $5.79 per share in fiscal 2026, representing a 10.5% year-over-year growth [3] Stock Performance - Over the past 52 weeks, PayPal's stock has declined by 6.2%, underperforming the Financial Select Sector SPDR Fund's 18% increase and the S&P 500 Index's 17.4% gains [4] - Following the release of its Q2 results on July 29, PayPal's stock price dropped by 8.7%, despite reporting a 5% year-over-year revenue increase to $8.3 billion and a non-GAAP EPS rise of 18% to $1.40, which exceeded expectations [5] Analyst Sentiment - The consensus rating for PayPal is "Moderate Buy," with 41 analysts providing a mix of recommendations: 12 "Strong Buys," 2 "Moderate Buys," 24 "Holds," and 3 "Strong Sells." The mean price target is $80.66, indicating a modest 6% upside potential from current levels [6]

Core Insights - OnePay, a fintech company majority-owned by Walmart, is set to introduce Bitcoin and Ether trading and custody services in its mobile app, aiming to become an "everything app" for American users [1][2] Group 1: Product Offerings - OnePay will allow customers to buy, hold, and convert Bitcoin and Ether directly within the app, enabling them to use converted funds for purchases or to pay off credit card bills [2][9] - The app currently offers various banking products, including high-yield savings accounts, debit and credit cards, buy-now, pay-later loans, and wireless plans [3] Group 2: Competitive Positioning - The addition of cryptocurrency services positions OnePay alongside competitors like PayPal, Venmo, and Cash App, which already provide digital asset trading [4] - As of October 3, OnePay ranks fifth on Apple's finance app charts, surpassing major players like JPMorgan Chase, Robinhood, and Chime [4] Group 3: Market Potential - OnePay leverages Walmart's extensive customer base, with access to 150 million weekly shoppers, while operating as a standalone business targeting underserved Americans [5] - Although OnePay facilitates crypto transactions, Walmart stores do not accept Bitcoin or Ethereum directly; transactions still settle in U.S. dollars [6]

Core Insights - Square, a subsidiary of Block Inc., has launched Square Bitcoin, a comprehensive payments and wallet solution aimed at facilitating Bitcoin adoption among U.S. merchants [1][3] - The new feature will allow businesses to process Bitcoin payments starting November 10, 2025, with zero fees for the first year and options for instant settlement in Bitcoin or U.S. dollars [2] - Square Bitcoin combines Bitcoin Payments and Bitcoin Conversions, along with a built-in wallet for managing Bitcoin transactions within the Square Dashboard [3] Industry Impact - The rollout is seen as a significant step in integrating traditional commerce with digital currency, making Bitcoin payments as seamless as card payments [4] - U.S. cryptocurrency payment users are projected to grow by over 80% between 2024 and 2026, indicating a broader industry shift towards digital currency in everyday transactions [4] Business Features - The new system simplifies Bitcoin adoption for local businesses by eliminating the need for technical expertise and providing an all-in-one platform for both fiat and Bitcoin transactions [5] - Square's Bitcoin initiatives also include Cash App's Bitcoin trading feature, Bitkey, and Proto, which are aimed at enhancing Bitcoin's utility [5] Adoption Metrics - Since the beta rollout of Bitcoin Conversions in 2024, participating merchants have collectively accumulated 142 Bitcoin as of October 1, 2025, showcasing early adoption success [6]

Core Viewpoint - Tenet Fintech Group Inc. has filed an application to revoke the failure to file cease trade order (FFCTO) issued by the Ontario Securities Commission on May 7, 2025, and is awaiting processing of this application [1]. Group 1: Company Overview - Tenet Fintech Group Inc. is the parent company of a group of innovative financial technology (Fintech) and artificial intelligence (AI) companies [2]. - The subsidiaries of Tenet provide various analytics and AI-based products and services to businesses, capital markets professionals, government agencies, and financial institutions [2]. - The Cubeler Business Development Platform is utilized by Tenet to leverage data for creating opportunities and facilitating B2B transactions among its members [2]. Group 2: Recent Developments - The application to revoke the FFCTO was filed on October 7, 2025, and no specific timeline for completion has been provided [1]. - Once the FFCTO is revoked, the company plans to issue a news release and apply for reinstatement of trading of its securities on the Canadian Securities Exchange [1].

SAN FRANCISCO, Oct. 08, 2025 (GLOBE NEWSWIRE) --  Cypher, founded in 2022, the on-chain payment and loyalty platform, officially launched its protocol's native token on October 5, 2025 at 9:00 UTC. The token immediately secured listings across major centralized and decentralized exchanges, including Binance Alpha, KuCoin, and Aerodrome Finance (Base’s leading DEX). The token started trending #1 on Dexscreener shortly after its launch on the Base network. These high-profile listings are intended to provide i ...

Core Viewpoint - North Dakota is set to launch a USD-backed stablecoin named "Roughrider Coin" in partnership with Fiserv, aiming for a pilot launch in 2026 [1][2][6] Group 1: Stablecoin Development - North Dakota will become the second US state to issue its own stablecoin, following Wyoming's lead [2][7] - The stablecoin will be backed by real money, contributing to a secure financial ecosystem for residents [3][6] - The pilot launch will involve banks and credit unions, although specific technical details are currently lacking [6][7] Group 2: Historical Context - The stablecoin is named after President Teddy Roosevelt's cavalry regiment, reflecting a historical connection to North Dakota [4][5] - Roosevelt, while not a native, spent significant time in North Dakota, which adds to the coin's significance [5] Group 3: Industry Implications - The initiative represents a significant step towards cryptocurrency adoption in the US, with North Dakota potentially paving the way for other states to follow suit [7] - The process of selecting a blockchain for the stablecoin may take time, similar to Wyoming's experience [6][7]

Core Insights - Stablecoins are becoming a significant financial innovation, with a market dominated by USDT ($175 billion) and USDC ($75 billion) [1] - The cross-border and remittance use case for stablecoins shows the most growth potential, as USD-denominated stablecoins are replacing SWIFT for smaller transactions [1][2] Group 1: Market Dynamics - Stablecoins currently account for less than 1% of global money flows, but they are emerging as faster and cheaper alternatives in remittances, B2B payments, and e-commerce [3] - The traditional SWIFT system is being disrupted as USD stablecoins serve as the new transmission rail for dollar transfers, providing programmability and 24/7 availability [2] Group 2: Challenges and Solutions - A mismatch exists between the digital world of USD stablecoins and the local fiat economy, creating friction for liquidity providers who must bridge these two states of money [5] - FX-on-chain protocols aim to resolve this issue by enabling direct swaps between USD stablecoins and local-currency stablecoins, collapsing the two-state problem into a single digital state [6] Group 3: Advantages of FX-on-chain - The implementation of FX-on-chain provides key advantages such as hedging in high-inflation economies and enhancing cross-border payments and remittances [7] - Instant conversion allows USDC/USDT holders to sell directly into local stablecoins, which can be redeemed for fiat instantly [9] - Flow matching enables real-time netting of global remittance flows and corporate flows, recycling liquidity continuously [9]

Core Thesis - DLocal Limited (DLO) is positioned as a critical infrastructure provider in the high-growth emerging markets payments space, with a strong growth trajectory and strategic expansion plans [2][5] Financial Performance - In Q2 2025, DLocal reported a total payment volume (TPV) of $9.2 billion, representing a 53% year-over-year increase, and revenue of $256.5 million, up 50% [3] - Adjusted EBITDA reached $70.1 million, up 64%, while free cash flow surged 156% year-over-year to $48.4 million [3] - Despite a 7% decline in net income due to a one-time foreign exchange impact from Argentina, the company has mitigated this risk by reducing peso exposure [3] Growth Projections - Following the strong Q2 performance, DLocal raised its guidance, expecting TPV growth of 40-50%, revenue growth of 30-40%, and EBITDA growth of 40-50% for FY25 [3] Strategic Initiatives - DLocal is enhancing its market position through the acquisition of AZA Finance, which expands operations into 17 additional African countries and improves treasury and FX management capabilities [4] - This acquisition helps mitigate currency risk and transforms FX exposure into a competitive advantage [4] Market Valuation - With a market cap around $4 billion and a forward P/E of 16, DLocal is trading at a valuation that suggests it is undervalued despite its strong growth metrics [4] - Conservative scenarios suggest potential share price increases to $25-28, while aggressive growth cases could see prices reach $32-36 [4] Competitive Positioning - DLocal's regulatory moat, established local partnerships, and licenses create significant barriers to entry, ensuring strong client retention [3][5] - The company's single API connects clients to various local payment systems, handling complex compliance across 40+ countries [2]

Core Insights - OppFi Inc. (OPFI) shares have increased by 104.2% over the past year, significantly outperforming its industry growth of 5.8% and the Zacks S&P 500 Composite's 18.1% rise [1][9] - Recent performance indicates a correction phase, with OPFI shares declining by 3% in the past month, while the industry fell by 6.6% and the S&P 500 rose by 3.6% [4][22] Company Strengths - OppFi targets the underbanked population, utilizing AI and machine learning to assess credit profiles, which enhances service speed [6] - The loan auto approval rate reached 80% in Q2 2025, up from 76% in the previous year, and a Net Promoter Score of 79 indicates strong customer satisfaction [7] - The Net Charge-Off (NCO) rate has decreased, with a notable drop of 400 basis points to 42% in Q4 2024, and further declines of 700 bps and 300 bps in subsequent quarters, showcasing effective risk management [8][10] Valuation and Liquidity - OppFi's stock is trading at 6.91 times forward earnings, significantly lower than the industry average of 20.2 times, indicating a potentially attractive investment opportunity [11] - The trailing 12-month EV-to-EBITDA ratio stands at 4.55 times, below the industry average of 12.12 times, suggesting growth potential [11] - The current ratio improved to 1.72 in Q2 2025 from 1.57 a year ago, surpassing the industry average of 1.17, indicating strong short-term obligation coverage [14] Revenue and Earnings Outlook - The Zacks Consensus Estimate projects OPFI's 2025 revenues at $588.9 million, reflecting a 12% year-over-year growth, with earnings per share expected to rise by 49.5% [16] Challenges - The core business model involves lending to subprime borrowers, which carries inherent credit default risks, with 28% of consumers in the 580-669 credit score range likely to become seriously delinquent [17] - Competition in the fintech market is intensifying, with threats from companies like SoFi and Dave, which may attract customers away from OppFi [18][19] Strategic Positioning - OppFi's customer-centric strategy leverages AI and ML to manage credit risk while meeting customer demand, positioning the company favorably despite market challenges [20] - The liquidity position and strong revenue and earnings outlook contribute to a positive assessment of the stock, although credit risks and competition remain concerns [21]

Trustly, a Pay by Bank service, announced a partnership with Acres Manufacturing Company. This partnership includes implementing Trustly Scan & Pay, a “holistic” cashless gaming execution powered by Trustly’s Open Banking Payments, with Acres’ Universal Payment Adapter, allowing for instant funding to any gamine machine.Via this collab, players can fund slots and tables through their bank account by scanning a QR code, “bringing the speed, security, and convenience of Pay by Bank to the casino floor.”Trustl ...