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North America

Fintech reporting from North America. Stories across banking, payments, infrastructure, capital and policy that touch this region.

027 STORIES PUBLISHED · UPDATED DAILY

Explainer NORTH AMERICA · 7 MIN READ · 25 SEP 2026

Industrial Loan Companies Explained: The Bank Charter Fintechs Actually Want

The FDIC has approved four Utah industrial bank charters since January 2026. Here is why fintechs choose an industrial loan company over renting a bank.

Analysis NORTH AMERICA

What Synapse’s Collapse Taught US Banks About BaaS Risk

24 SEP 2026

Explainer NORTH AMERICA

What Is Embedded Insurance? How US Retailers and Fintechs Bundle Coverage

22 SEP 2026

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News NORTH AMERICA

SEC Opens Five-Year Route for Tokenised Stock Trading

The US Securities and Exchange Commission has opened a regulated route for tokenised stock trading, granting temporary, conditional relief for platforms seeking to trade tokenised US-listed stocks through permissioned automated market makers and liquidity pools.

21 SEP 2026

Analysis NORTH AMERICA

Why US Banks Still Lag on Faster Payments Adoption

FedNow counts 1,900 participants and RTP over 1,357, but US adoption stays voluntary while the EU mandated instant payments in 2025.

21 SEP 2026

Explainer NORTH AMERICA

Open Banking APIs Explained: How US Banks Share Customer Data

A court stayed the CFPB Section 1033 deadlines in 2025. US banks are building open banking APIs with Plaid, Akoya and MX anyway.

18 SEP 2026

Analysis NORTH AMERICA

The CFPB’s 1033 Rule: What Open Banking Access Means for US Lenders

The CFPB's Section 1033 open banking rule is enjoined and under review. Here's the current status for US banks, lenders and data aggregators.

17 SEP 2026

News NORTH AMERICA

CLARITY Act Fails Senate Cloture Vote, Leaving Crypto Rules Stalled

The US Senate rejected a cloture motion on the Digital Asset Market Clarity Act on Tuesday, 15 September, leaving the crypto market structure bill stalled. The motion to invoke cloture on the motion to proceed to H.R.

16 SEP 2026

Explainer NORTH AMERICA

Crypto ETFs Explained: How Bitcoin and Solana Funds Reshape Wall Street

How spot Bitcoin and Solana ETFs work, who issues them, and what their reported asset totals show about institutional crypto demand in 2026.

16 SEP 2026

News NORTH AMERICA

CLARITY Act Reaches Senate Floor for Crucial Vote Today

The US Senate is scheduled to consider a cloture motion at 2:15pm ET on Tuesday on whether to invoke cloture on a motion to proceed to the Digital Asset Market Clarity Act, H.R. 3633.

15 SEP 2026

Analysis NORTH AMERICA

Why U.S. Banks Are Expanding Into Digital-Asset Custody

US banks are expanding into digital asset custody as OCC rulings clear the way, choosing safekeeping over crypto trading risk.

15 SEP 2026

Explainer NORTH AMERICA

Inside the GENIUS Act: What US Stablecoin Rules Mean for Banks

The GENIUS Act created the first US federal licence for payment stablecoins. Here's what banks must do as OCC finalises its stablecoin rules.

14 SEP 2026

News GLOBAL

Visa Lets Stablecoin Card Programmes Borrow Against Settlement Data

Visa has set out a new approach to onchain credit, designed to let stablecoin-linked card programmes and fintechs borrow working capital by combining VisaNet settlement data with blockchain-based lending infrastructure.

10 SEP 2026

News NORTH AMERICA

Mastercard-Owned BVNK Partners With Marqeta On Stablecoin Card Infrastructure

BVNK, the stablecoin infrastructure firm whose acquisition by Mastercard closed on 3 August, has partnered with card-issuing platform Marqeta. The integration is designed to let Marqeta's customers embed stablecoin capabilities into payment cards, wallets and other financial products, the companies said.

10 SEP 2026

News NORTH AMERICA

SEC Proposes Standing Framework for Certain Crypto-Asset Offerings

The US Securities and Exchange Commission has proposed a standing framework for certain investment contracts involving crypto assets, giving companies two ways to raise money without triggering the agency's full securities-registration regime.

24 AUG 2026