Core Insights - Pagaya Technologies (PGY) has established itself as a stable player in the fintech sector, leveraging AI-based underwriting and a broad capital network to navigate varying credit conditions and consumer spending patterns [1][8] Business Model - Pagaya operates primarily as a technology and data platform, connecting lenders with institutional investors, which allows for growth in loan volumes while minimizing credit risks [2][14] - The company has diversified its business model beyond personal loans into auto lending and point-of-sale financing, reducing exposure to cyclical risks [10] - Pagaya has built a network of over 135 institutional funding partners, utilizing forward flow agreements to secure alternative funding sources during market stress [11][17] Financial Performance - In 2025, Pagaya reported three consecutive quarters of positive GAAP net income, a significant improvement from previous losses, with a year-over-year network volume growth of 10.5% [3][8] - The company anticipates a network volume of $10.5-$10.75 billion for 2025, supported by funding diversification [3][8] Stock Performance - PGY shares have surged 167.3% year-to-date, outperforming the industry and the S&P 500 Index, which saw declines and growth of 4.2% and 18.7%, respectively [4][8] Valuation - PGY stock is trading at a forward 12-month price/sales (P/S) ratio of 1.29X, significantly below the industry average of 3.35X, indicating an attractive valuation [21] Earnings and Revenue Estimates - Analysts have revised upward the earnings estimates for Pagaya to $3.10 and $3.41 per share for 2025 and 2026, reflecting year-over-year growth rates of 273.5% and 10% [23] - Revenue estimates for 2025 and 2026 are projected at $1.32 billion and $1.57 billion, implying year-over-year growth of 28.4% and 19.2% [27]

Core Insights - Block, Inc.'s subsidiary Afterpay has announced new partnerships to enhance payment flexibility for consumers ahead of the holiday shopping season [1] Group 1: Partnerships and Offerings - Afterpay has formed partnerships with various brands across multiple categories, including Fashion & Apparel (Jenni Kayne, Diesel), Footwear & Outdoors (Hibbett, Tecovas), Jewelry & Accessories (Effy Jewelry), Home & Creative (Z Gallerie), and Beauty (Caliray Beauty) [2][3] - Many of these brands will provide Afterpay services both online and in select retail locations, allowing customers to manage their budgets more effectively [3] Group 2: Consumer Trends and Research - Research indicates that 44% of financially stressed consumers plan to utilize Buy Now, Pay Later (BNPL) services for holiday shopping this year, with 63% of Gen Z consumers preferring BNPL over credit cards due to its transparency [4] - Afterpay's "Pay in 4" service allows customers to split purchases into four interest-free installments, while "Pay Monthly" facilitates larger purchases over time [5] Group 3: Market Performance and Valuation - Block's shares have declined by 27.6% year to date, underperforming the broader industry and the S&P 500 Index [8] - The Zacks Consensus Estimate for Block's full-year 2025 EPS has been revised downward, indicating a projected 28.2% decrease year over year [11] - Block's current valuation is considered overvalued, reflected by a Value Score of C [10]

RADNOR, Pa.--(BUSINESS WIRE)---- $PINS #classaction--The law firm of Kessler Topaz Meltzer & Check, LLP (www.ktmc.com) is currently investigating potential violations of the federal securities laws on behalf of investors of Klarna Group plc (NYSE: KLAR) ("Klarna†). Klarna provides payment, advertising, and digital retail banking solutions to consumers and merchants. On or around September 10, 2025, Klarna conducted its IPO at $40.00 per share. On November 18, 2025, Klarna issued its third quarter 2025 fin ...

RT Solmate $SLMT (@Solmate)Solmate CEO @msantoriESQ and @viktorfischer joined @calilyliu onstage @ADFinanceWeek for a conversation about how Web3 is creating real value for fintech today. https://t.co/sLhO9LbXeI ...

As filed with the Securities and Exchange Commission on December 10, 2025 Registration No. 333- 290302 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 1 to FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 LYTUS TECHNOLOGIES HOLDINGS PTV. LTD. (Exact Name of Registrant as Specified in its Charter) British Virgin Islands 7841 Not applicable (I.R.S. Employer Identification Number) (State or Other Jurisdiction of Incorporation or Organization) Classification ...

Core Insights - Treasure Global Inc. has accelerated the launch of its OXI wallet, originally scheduled for 1H 2026, and has secured its first corporate client, Legacy Trustee Berhad, which purchased 1,000 Visa cards, generating USD 120,000 in confirmed revenue [1][5] - The OXI wallet aims to onboard 100,000 users by the end of the first year, potentially generating over USD 100 million in total revenue, indicating a 100x growth potential [2][4] - The company has entered into heads of terms for acquiring a 51% equity interest in Quarters Elite Advisory Sdn. Bhd., which manages approximately USD 150 million in client assets, enhancing its distribution capabilities [3][5] Company Strategy - The early launch of OXI wallet and the acquisition of Quarters Elite are part of the company's growth strategy to improve market penetration and accelerate corporate client onboarding [3][5] - OXI wallet supports major blockchain networks and adheres to international KYC and AML standards, featuring an AI-powered portfolio assistant for personalized insights [5][6] - The company expects OXI wallet to contribute significantly to its long-term digital asset strategy, including opportunities in payments, asset tokenization, and broader blockchain-enabled financial services [6] Market Position - Treasure Global is positioned as a key player in Malaysia's digital economy, with its flagship product, the ZCITY Super App, attracting over 2.7 million registered users as of June 2025 [7] - The combination of Legacy Trustee Berhad's reach and Quarters Elite's advisor network is expected to enhance the onboarding of OXI wallet users and generate substantial revenue [4][5]

Core Viewpoint - Datametrex AI Limited has signed a definitive asset purchase agreement to acquire the Yuzu payment processing solution from Firstpayment Inc for $5.5 million, which will be paid through the issuance of 55 million common shares at a deemed price of $0.10 per share [1] Transaction Details - The acquisition involves the purchase of the Yuzu Payment Solution along with related patents and intellectual property from Firstpayment, a Canadian fintech company [1] - The transaction is structured as an arm's length transaction, ensuring that it is conducted fairly and without conflicts of interest [1] - The total purchase price for the Yuzu Payment Solution is $5.5 million, satisfied by issuing 55,000,000 common shares [1]

当钟摆划向AI时刻，我们迎来了第四次工业革命。AI带来的不仅仅是技术革新，更是一场认知重构 ——它让人类开始正视工具逻辑的局限性，重新建构人工智能应用的价值本源。 在这样的背景下，百融云创在业内首倡并落地实践"硅基员工"，将AI深度融入风控、营销、质检等关键 业务流程，成为商业机构内部稳定可靠的生产力单元。 "硅基员工"正驶入金融核心场景 在具体实现上，以企业级智能体构建平台"百融百工"为底座，百融云创将通用能力与金融行业知识进行 系统融合，通过多智能体协同机制，为机构提供可在多业务场景中部署的一站式解决方案。由此，智能 体能够自然嵌入金融机构的业务链路，承担具体岗位职责，并以RaaS（Result-as-a-Service，结果即服 务）模式实现面向KPI的端到端交付。 这一创新探索得益于百融云创在供给侧十余年的深耕。凭借深厚的技术底座和行业Know-how，百融云 创让AI技术的"可复用"能力在百工平台集中放大。百工平台通过模块化技术与成熟的工程化体系，将智 能体的开发与部署从单点项目升级为流水线式批量产出，从而大幅降低了企业的使用门槛和试错成本。 除了批量制造硅基员工团队，百工平台也将向更多机构开放底座 ...

Core Insights - Pineapple Financial (PAPL) has launched a mortgage tokenization platform to convert loan records into digital assets on the Injective blockchain, aiming to create an auditable and tamper-resistant dataset for operational use [1][2]. Company Developments - The company has migrated over 1,200 mortgage files on-chain, representing approximately $412 million (C$570 million) in funded mortgage volume, with plans to migrate its entire historical portfolio of over 29,000 funded mortgages, totaling about $10 billion (C$13.7 billion) [2][3]. - Each tokenized record contains more than 500 data points, which could enhance workflows, support automated verification, and improve risk modeling and compliant data sharing with institutions [3]. Product Offerings - Pineapple is developing two products based on the tokenized dataset: a permissioned Mortgage Data Marketplace for compliant access to anonymized loan-level information, and Pineapple Prime, which will provide on-chain access to mortgage-backed yield opportunities [4]. - The company has also launched a tokenization landing page featuring a real-time metrics tracker for newly minted mortgage assets [4]. Security Measures - The CEO emphasized that the initiative aims to improve transparency and efficiency while enabling new products, highlighting advanced security measures to protect client data throughout the mortgage lifecycle [5][6]. - The platform provides over $2.2 billion (C$3 billion) annually in funding and operates a Canadian mortgage brokerage network, utilizing cloud-based tools and AI-driven systems for brokers [6].

Dutch payments firm Mollie is expected to announce it has completed its acquisition of British fintech unicorn GoCardless as early as this week https://t.co/RHx3pIUEzI ...