Core Viewpoint - Klarna Group plc is facing a class action lawsuit from investors who purchased securities during its initial public offering (IPO) on September 10, 2025, due to alleged misleading information in the offering documents [1][4]. Group 1: IPO Details - Klarna conducted its IPO on September 10, 2025, issuing approximately 34 million shares at an offering price of $40.00 per share [3]. - By the time the class action lawsuit commenced, Klarna's stock price had fallen to as low as $31.31 per share, significantly below the IPO price [5]. Group 2: Allegations of Misleading Information - The class action lawsuit claims that the IPO's offering documents were materially false and/or misleading, particularly regarding the risk of increased loss reserves shortly after the IPO [4]. - It is alleged that Klarna understated the risk associated with its "buy now, pay later" loans, which the defendants either knew or should have known [4]. Group 3: Financial Performance and Provisions - On November 18, 2025, Bloomberg News reported that Klarna posted a net loss of $95 million, with provisions for loan losses amounting to $235 million, exceeding analyst estimates of $215.8 million [5]. - The provisions for loan losses represented 0.72% of gross merchandise volume, an increase from 0.44% the previous year [5].

Core Viewpoint - Currenc Group Inc. has announced the divestment of its 60% controlling interest in Tranglo Sdn. Bhd. to New Margin Holding Limited for a total consideration of US$400 million, marking a significant step in the company's strategic transformation and value-unlocking initiatives [1][3][4]. Group 1: Transaction Details - The divestment involves the sale of 100,465 ordinary shares of Tranglo, representing 60% of its total issued share capital, for an aggregate purchase price of US$400 million, payable in cash [3]. - The payment will be made in two installments: US$200 million on the closing date and the remaining US$200 million within 90 days after closing [3]. Group 2: Strategic Implications - This transaction is part of Currenc's broader strategy to monetize and streamline its existing operating businesses, aiming to enhance shareholder value and strengthen its financial position [3][4]. - The proceeds from the divestment will be used to reduce debt, thereby improving the company's financial flexibility as it advances into AI, Web3, and Digital Assets initiatives [4]. Group 3: Company Background and Future Plans - Currenc Group Inc. is a fintech pioneer focused on transforming global financial services through AI solutions, serving various financial institutions [7]. - The divestment of Tranglo is the first executed step in Currenc's multi-step restructuring strategy, which includes a proposed reverse-merger framework with Animoca Brands [4][6].

Core Insights - BLAQclouds, Inc. has launched ApolloCASH, a global remittance platform aimed at disrupting the $1.2 trillion remittance market by offering faster, cheaper, and more secure transactions [3][4]. Company Overview - BLAQclouds, Inc. operates in the Web3 infrastructure, fintech, and digital asset sectors, focusing on enhancing global remittance services [3][4]. - The company aims to bridge traditional finance with decentralized ecosystems, simplifying commerce and payments through various blockchain applications [17]. Product Features - ApolloCASH is designed to provide near-instant settlement, significantly lower fees, and enterprise-grade security compared to traditional money transfer providers [3][4]. - The platform utilizes Single-Use Liquidity Pools (SULPs) for each transaction, which reduces operational and counterparty risk by isolating each remittance [7]. - ApolloCASH incorporates Zero-Knowledge Proof (ZKP) technology for transaction verification, ensuring compliance and integrity without exposing personal data [8]. - The core of ApolloCASH is APUSD, a settlement-optimized digital dollar that enhances speed and predictability in remittance execution [9]. - The platform features a customizable global off-ramp integrated with Real-Time Payment (RTP) networks, allowing for same-day or real-time settlements [10]. Market Strategy - BLAQclouds is implementing targeted email marketing campaigns and forming affiliate partnerships with banks in multiple countries, reaching over 9 million international account holders [12]. - A referral rebate program has been introduced, offering customers a 20% rebate on fees generated by referred users, incentivizing community growth [13].

Market Overview - The bull market on Wall Street continued into 2025, with the Dow Jones Industrial Average rising 14%, the S&P 500 increasing by 17%, and the Nasdaq Composite gaining 21% [1] - Despite potential market shifts, there are still opportunities for significant stock gains [2] Stock Recommendations 1. The Trade Desk - The Trade Desk experienced a challenging 2025 due to increased competition and tariff impacts, leading to a 68% decline in stock price [5][8] - Anticipated improvements in 2026 include the fading of tariff shocks and the adoption of its Unified ID 2.0 technology, which could enhance ad performance [6][7] - The current forward P/E ratio of 18 presents a value opportunity for investors [8] 2. Webull - Webull's stock fell from a peak of nearly $80 to under $8, despite a 17% increase in registered users and an 84% rise in customer assets [10][11] - The company is expanding globally, which may enhance its growth prospects compared to competitors like Robinhood [12] - Webull's shift to profitability and strong user engagement metrics suggest potential for significant stock appreciation [13] 3. Sezzle - Sezzle's stock has seen a 64% decline from its all-time high, but key performance indicators show a 59% increase in gross merchandise volume and a 67% rise in net sales [15][16] - An increase in consumer purchase frequency indicates growing user engagement, which could drive future growth [17] - The company's low forward P/E of 15, combined with its growth rate, positions it well for potential gains [18] 4. Fiverr International - Fiverr's shares dropped 38% in 2025, influenced by concerns over AI's impact on the freelance market [21] - The company benefits from a remote work trend and has a superior marketplace take rate of 27.6% [22][23] - Its low valuation, trading at less than 7 times adjusted EPS, presents an attractive investment opportunity [24] 5. B2Gold - B2Gold achieved an 86% gain in 2025, but faced a production forecast reduction at its Goose Mine [27] - Expected improvements in production capacity and ore grades in 2026 could lead to significant growth [28] - The macroeconomic outlook for gold remains positive, with potential for high prices benefiting B2Gold's stock [29][30] 6. Talkspace - Talkspace's shares have fallen 61% since going public, but the company is profitable and growing sales by over 20% annually [33][34] - The focus on partnerships with payers and employers is driving sustainable revenue growth [35] - A debt-free balance sheet and ongoing share buybacks enhance its financial position [36] 7. Zeta Global - Zeta Global's stock has kept pace with the S&P 500, but faces concerns about economic health and potential AI market volatility [39] - The company's AI marketing platform has shown consistent sales growth of at least 20% for five years [41] - Zeta's attractive valuation, with a forward P/E of 21 and a $200 million share-repurchase program, supports its investment appeal [42]

Company Overview - Moto Finance has raised $1.8 million in pre-seed funding from Cyber Fund and Eterna Capital to enhance its blockchain-enabled savings account and credit card platform [1] - The company aims to integrate decentralized finance (DeFi) features within a compliant framework for end-users [2] Product Offering - Moto Finance's platform combines a high-interest savings account with a Visa Infinite credit card, allowing users to deposit funds, earn interest, and spend globally [3] - Users can earn interest on deposits and receive cashback rewards sourced from insured mechanisms supported by DeFi protocols [4] Reward Structure - The platform features a tiered reward structure based on deposit levels, with Tier 1 offering 5% cashback and 2% annual interest for deposits between $0 and $100,000 [4] - Tier 2 applies to deposits from $100,000 to $499,999, providing 5% cashback and 3% interest, while Tier 3 covers deposits of $500,000 and above, offering 5% cashback, 5% interest, and additional exclusive benefits [5] Market Positioning - Moto Finance positions itself as an alternative for individuals seeking integrated financial experiences amid low average savings rates in the US banking sector, which are around 0.6% [6] - The company targets users who may otherwise rely on disconnected financial services by unifying spending, saving, and earning functions into a single digital product [6]

Core Viewpoint - PayPal Holdings, Inc has applied to establish PayPal Bank, marking its transition from a payments platform to a full-service financial provider [1][6]. Group 1: Business Strategy - The establishment of PayPal Bank aims to enhance business efficiency and support small business growth across the USA, addressing the significant hurdle of securing capital for small enterprises [2][6]. - By creating its own bank, PayPal intends to reduce reliance on third-party institutions, streamline lending operations, and expand its reach among small businesses, which are often underserved by traditional banks [3][6]. Group 2: Financial Services Expansion - PayPal Bank plans to offer interest-bearing savings accounts and seek direct membership with US card networks to complement its processing and settlement activities [4][6]. - Since 2013, PayPal has provided over US$30 billion in loans and working capital to more than 420,000 business accounts globally, filling a critical gap for small businesses [2][6]. Group 3: Leadership and Regulatory Aspects - Mara McNeill has been appointed as president of the proposed PayPal Bank, bringing over 25 years of experience in banking and commercial lending [5]. - The application for PayPal Bank is subject to regulatory approval, and the company acknowledges potential risks and uncertainties regarding the approval process [7].

Core Viewpoint - Affirm Holdings, Inc. (NASDAQ:AFRM) is experiencing a positive year-to-date performance with a 21% increase in share price, despite recent adjustments in price targets by analysts [2]. Group 1: Analyst Ratings and Price Targets - Bank of America has reduced its price target for Affirm Holdings from $98 to $97 while maintaining a Buy rating [2]. - Wolfe Research has initiated coverage on Affirm Holdings with a Peer Perform rating and a fair value range of $72 to $82 for year-end 2026 [2]. Group 2: Company Performance and Management Insights - The CFO of Affirm, Rob O'Hare, has addressed concerns regarding weak loan origination, attributing issues to tracking errors in the fourth quarter [2]. - Jim Cramer has expressed strong support for Affirm, stating that the company is having an "amazing quarter" and believes its stock has more potential for growth [3].

Core Insights - The complaint alleges that Klarna and its executives violated federal securities laws by making false or misleading statements regarding the risk of increased loss reserves shortly after the IPO [2] - Klarna reported record revenue for its third quarter, exceeding estimates, but also set aside more provisions for credit losses, leading to a net loss of $95 million [3] - Provisions for loan losses amounted to $235 million, surpassing analyst estimates of $215.8 million, which contributed to a 9.3% decline in Klarna's stock on November 18, 2025 [3] Financial Performance - Klarna's revenue surged in the third quarter, beating estimates [3] - The company reported a net loss of $95 million due to increased provisions for potentially souring loans [3] - Provisions for loan losses represented 0.72% of gross merchandise volume, an increase from 0.44% a year ago [3] Legal Proceedings - A lead plaintiff has been appointed to oversee the litigation on behalf of the class of investors affected by Klarna's alleged misconduct [4] - The law firm Faruqi & Faruqi is encouraging individuals with information regarding Klarna's conduct to come forward [5]

Core Viewpoint - Investors in Klarna Group plc have the opportunity to lead a securities fraud class action lawsuit due to alleged misstatements and omissions related to the company's initial public offering [1][2]. Group 1: Lawsuit Details - The lawsuit claims that Klarna's defendants materially understated the risk of increased loss reserves shortly after the September 2025 IPO, which they either knew or should have known [2]. - It is alleged that the positive statements made by the defendants regarding Klarna's business and prospects were materially misleading and lacked a reasonable basis [2]. Group 2: Participation Information - Investors who suffered losses related to Klarna are encouraged to participate in the ongoing lawsuit, with a lead plaintiff deadline set for February 20, 2026 [2]. - Interested parties can contact the Law Offices of Frank R. Cruz for more information or to participate in the class action [3][4].

As filed with the Securities and Exchange Commission on December 31, 2025 Registration No. 333-290403 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 USBC, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code Number) Nevada 7389 90-0273142 (I.R.S. Employer Identification No.) 300 E 2n ...