dLocal (NASDAQ: DLO ) is a rising fintech player in the emerging markets. After learning about it in late June, I have looked over it and pondered it carefully, looking at the current financial state, the risks, the milestones it mustI analyze securities based on value investing, an owner's mindset, and a long-term horizon. I don't write sell articles as those are considered short theses, and I never recommend shorting.Former advisory representative at Fidelity. I do my own investing now and share my resear ...

dLocal (NASDAQ: DLO ) is a rising fintech player in the emerging markets. After learning about it in late June, I have looked over it and pondered it carefully, looking at the current financial state, the risks, the milestones it mustI analyze securities based on value investing, an owner's mindset, and a long-term horizon. I don't write sell articles as those are considered short theses, and I never recommend shorting.Former advisory representative at Fidelity. I do my own investing now and share my resear ...

Company Overview - Qfin Holdings, Inc. (NASDAQ:QFIN) is recognized for its growth, value, and long-term potential, consistently delivering profitability and strong growth without disappointing investors in any quarter [2][3] - The company operates as an AI-driven credit-tech platform, providing credit-driven services and platform services since its incorporation in 2016, serving a diverse clientele including financial institutions, consumers, and micro- and small-enterprises [4] Investment Activity - Kadensa Capital Ltd increased its position in Qfin Holdings by purchasing 132,769 shares valued at $5,963,000, now owning nearly 0.08% of the company [1] Market Position and Technology - Qfin Holdings utilizes AI, machine learning, and big data to assess borrowers' financial capabilities and employs advanced technology to mitigate risks and expand its operations, positioning itself as an underrated fintech stock [3] - The company's business model focuses on offering online loans to young Chinese professionals without requiring collateral, allowing it to capture a significant market share [2]

Core Insights - Silver Scott Mines, Inc. has executed a definitive agreement with Himalaya Technologies, Inc., enhancing its digital and fintech portfolio [1] - The agreement includes a 30% equity ownership in Himalaya Technologies, structured as restricted preferred shares [1] - The company will receive a cash payment of $50,000 upon achieving certain milestones [1] - Silver Scott Mines will also gain 30% ownership in multiple high-growth digital platforms, including the MOPHOE Crypto Social Platform [1] Financial and Ownership Details - The agreement grants Silver Scott Mines a 30% equity stake in Himalaya Technologies, Inc. [1] - A cash consideration of $50,000 is contingent upon the achievement of specific milestones [1] - The company will own 30% of various high-growth digital platforms, which encompass features such as chat, public/private feeds, user-generated and third-party content, and e-commerce [1]

Core Insights - IQSTEL Inc. aims to achieve a $15 million EBITDA run rate by 2026, with its Fintech Division playing a crucial role in this target [1][3] - The acquisition of Globetopper on July 1, 2025, is expected to significantly contribute to revenue and EBITDA growth, with projected Q3 2025 revenue of approximately $16 million and EBITDA of $110,000 [2][4] Company Strategy - The company is focused on accelerating Globetopper's growth and integrating it into its global fintech platform, targeting around $1 million in annualized EBITDA in the near term [3] - IQSTEL plans to leverage its existing relationships with over 600 telecom operators to cross-sell Globetopper's fintech services, enhancing revenue and EBITDA growth [3][4] Financial Performance - IQSTEL forecasts $340 million in revenue for FY-2025, reinforcing its trajectory towards becoming a $1 billion tech-driven enterprise by 2027 [6] - The successful integration of Globetopper demonstrates the effectiveness of IQSTEL's acquisition strategy, which focuses on companies with strong revenue and margin potential [4][5]

Core Insights - IQSTEL aims to achieve a $15 million EBITDA run rate by 2026, with its Fintech Division playing a crucial role in this target [1][2] - The acquisition of Globetopper, completed on July 1, 2025, is expected to significantly contribute to revenue and EBITDA growth [1] - Globetopper is projected to generate approximately $16 million in revenue and $110,000 in EBITDA for the third quarter of 2025, indicating positive cash flow [1] Financial Projections - The CEO of IQSTEL, Leandro Iglesias, stated that Globetopper is targeted to reach around $1 million in annualized EBITDA in the near term [2] - The Fintech Division is anticipated to be a key driver of EBITDA growth as the company progresses towards its $15 million target for 2026 [2] Strategic Initiatives - IQSTEL plans to utilize its existing business platform, which connects with over 600 major telecom operators globally, to offer Globetopper's fintech services directly to telecom customers [3] - This strategy aims to cross-sell high-margin, high-tech services to the current client base, thereby accelerating revenue and EBITDA growth [3] Market Performance - IQST stock experienced a decline of 1.44%, closing at $6.15 on the previous Monday [3]

Group 1 - The core idea is that while major companies dominate the AI investment landscape, smaller firms like Upstart are well-positioned to capitalize on AI within their niche markets [1] - Upstart's shares are currently trading 84% below their peak in 2021 but have seen a 75% increase over the past year and a 123% rise over the last three years, indicating a recovery trajectory [2] - The company utilizes a proprietary AI model to analyze over 2,500 variables about potential borrowers, aiming to enhance credit access [3] Group 2 - Upstart has returned to growth after facing challenges in 2023 due to rising interest rates, with revenue and loan volumes increasing by 84% and 121% respectively in the first half of 2025 [4] - The launch of Upstart's home equity line of credit (HELOC) product has led to a 750% year-over-year increase in originations in Q2, highlighting significant demand and a large untapped market of over $30 trillion in home equity in the U.S. [5] - The company has successfully navigated rising interest rates and is poised for future growth, potentially becoming a much larger entity by the end of the decade [6] Group 3 - Upstart's shares have performed well over the past year, with revenue increasing by 84% and loan volumes more than doubling, reflecting growing investor confidence [8] - The total addressable market (TAM) for Upstart, encompassing personal, small business, auto, and home loans, exceeds $3 trillion in annual origination volume in the U.S., indicating a vast opportunity for the company [9]

Core Insights - Figure Technology Solutions, Inc. (NASDAQ:FIGR) has shown significant stock performance, with a 14.86% increase on Monday, closing at $37.33, driven by investor optimism ahead of the Federal Open Market Committee (FOMC) meeting expected to result in a rate cut [1][3] - The stock reached an intra-day high of $40.39, representing a 29.8% increase from its market debut closing price of $31.11 [2] - The company is positioned to benefit from lower interest rates, which are anticipated to encourage more borrowers to seek loans [3] Company Overview - Figure Technology Solutions, Inc. raised $787.5 million through its initial public offering (IPO), selling 31.5 million shares [4] - Founded in 2018, the company utilizes blockchain technology to streamline the connection between lenders and borrowers for home loans, funding home equity loans in an average of 10 days compared to the industry average of 42 days [4]

Rulebase is building AI “coworkers” to review customer interaction, keep fintechs compliant, and take the grunt work out of back-office ops. https://t.co/UrHAV5KwJr ...

Y Combinator-alum Rulebase is betting that the next wave of automation in financial services won’t be about flashy AI interfaces, but the unglamorous back-office tasks like compliance. The startup, founded by Gideon Ebose and Chidi Williams, two Nigerian engineers who met in London, just raised a $2.1 million pre-seed round led by Bowery Capital, with participation from Y Combinator, Commerce Ventures, Transpose Platform VC, alongside several angels. Financial services firms spend enormous amounts of ef ...