金融科技雷达 - 全球稳定币竞赛-The Fintech Radar-The Global Stablecoin Race

Summary of Key Points from the Fintech Radar | Europe Industry Overview - The report focuses on the developments in the stablecoin space, highlighting changes in attitudes and policies in the EU, Japan, and China, as well as news from neobanks and M&A activities in the fintech sector [1][5] Company-Specific Developments Figure Technology Solutions - Figure has filed for an IPO with plans to list on Nasdaq under the ticker "FIGR" [1] - The company reported $191 million in revenue for H1 2025, a 22.4% year-over-year increase, and a net profit of $29 million, compared to a $13 million loss in H1 2024 [1] - Total revenue for the 12 months ending June 30, 2025, was $341 million [1] - Figure has facilitated over $16 billion in home equity loans and processed more than $50 billion in on-chain transactions [1] Mesh - Mesh raised at least $10 million from PayPal Ventures and Coinbase Ventures, bringing total funding to $130 million [2] - The firm focuses on account-to-account connectivity and "Pay with Crypto" flows, which are increasingly important for exchanges and neobanks [2] Kraken - Kraken has acquired Capitalise.ai to enhance its trading automation capabilities [3] - This acquisition follows Kraken's earlier purchase of NinjaTrader, indicating a strategic push into multi-asset and pro-trading tools [3] Midas - Midas, a Turkish investment platform, secured $80 million in Series B funding, marking a record for Turkish fintech companies [4] Starling Group - Starling has agreed to acquire UK fintech Ember to integrate tax and accounting software into its business banking services [8] N26 - N26 co-founder Valentin Stalf will transition from CEO to the Supervisory Board, with a new CEO to be appointed [15] Regulatory and Market Trends EU Digital Euro - The EU is accelerating plans for a digital euro in response to the US GENIUS Act, which has raised concerns about the competitiveness of European digital currencies [9] China’s Yuan-backed Stablecoins - China is reportedly considering yuan-backed stablecoins to enhance global currency usage, particularly in light of the rise of dollar-backed tokens [11] Japan’s Yen-pegged Stablecoin - Japan is set to approve its first regulated yen-pegged stablecoin, which could significantly impact the country's digital finance landscape [12] Wyoming's FRNT Stablecoin - Wyoming has launched the Frontier Stable Token (FRNT), a USD-pegged stablecoin, making it the first U.S. public entity to issue a blockchain-based stable token [13] Funding Trends - Global fintech funding continues to grow, with US fintechs leading at approximately $12.9 billion, followed by Europe at $9.5 billion and Asia at $4.6 billion [21][24][26] Conclusion - The fintech landscape is rapidly evolving with significant IPOs, acquisitions, and regulatory developments across various regions, particularly in the stablecoin sector. Companies are diversifying their offerings and seeking new funding avenues to enhance their market positions [1][2][3][9][11][12][21]