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# Fintechly: Infrastructure-Grade Editorial

## Sitemaps
[XML Sitemap](https://fintechly.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Nomura’s Laser Digital Backs ZIGChain in $100m UAE Credit Push](https://fintechly.com/cryptocurrencies/laser-digital-zigchain-onchain-credit-vaults/): Laser Digital is structuring and overseeing risk for ZIGChain's onchain credit vaults, targeting $100 million in total value locked by end-November.
- [Edenred UAE Wins In-Principle Approval for CBUAE Licence for Payroll Cards](https://fintechly.com/payments/edenred-in-principle-cbuae-licence-for-payroll-cards/): The approval formalises an 18-year-old salary-card business serving 2.5 million employees, rather than launching a new product.
- [Mastercard and AFS Launch Corporate Cards in UAE, With Egypt to Follow](https://fintechly.com/payments/mastercard-afs-launch-corporate-cards-in-uae/): The launch is AFS's first UAE product since securing a Central Bank licence in June, and Mastercard's third UAE corporate-card tie-up this year.
- [Five Minutes With…. John O’Connor, CEO of RealFi](https://fintechly.com/payments/five-minutes-with-john-oconnor-ceo-of-realfi/): RealFi CEO John O’Connor discusses stablecoins, real-world returns and building trust in digital asset infrastructure.
- [Emirates NBD to Acquire HSBC’s Retail Banking Business in Egypt](https://fintechly.com/capital/enbd-to-acquire-hsbc-retail-banking-business/): The deal extends a broader pattern on both sides: HSBC's retreat from retail banking in markets where it lacks scale, and Emirates NBD's second major international acquisition this summer.
- [UAE Banks Defer AED13.5bn in Loans Under Central Bank’s Resilience Package](https://fintechly.com/banking/cbuae-loan-repayment-deferrals-high/): The deferral total has more than doubled since May, with large corporates receiving two-thirds of the value despite making up under 1% of beneficiaries by headcount.
- [Five Minutes With… Dave Scola at Form3](https://fintechly.com/payments/five-minutes-with-dave-scola-at-form3/): Form3 chief executive Dave Scola on why resilience deserves as much attention as speed, and why legacy US banking infrastructure isn’t yet ready for stablecoins at scale.
- [Emirates Launches Crypto.com Pay for UAE Flight Bookings](https://fintechly.com/payments/crypto-com-pay-for-uae-flight-bookings/): The airline now accepts payment through Crypto.com's wallet for AED-priced bookings by eligible UAE residents, a year after signing a memorandum of understanding with the exchange.
- [Commercial Bank of Dubai Launches Digital Wealth Platform for Affluent Clients](https://fintechly.com/banking/cbd-invest-digital-wealth-platform-by-cbd/): CBD Invest consolidates portfolio tracking, analytics and goal-based investing inside the bank's mobile app, five years after its first digital investing product targeted a lower entry point.
- [Five Minutes With… Azimkhon Askarov at CONCRYT](https://fintechly.com/payments/five-minutes-with-azimkhon-askarov-at-concryt/): Azimkhon Askarov of CONCRYT discusses cross-border payments, merchant infrastructure, LLMs in payments data and transaction optimisation.
- [Yalla Financial Solutions Wins In-Principle Approval for Cross-Border Payments Licence in the UAE](https://fintechly.com/payments/yalla-wins-cross-border-payments-licence/): The Retail Payment Services Category II approval, once final, would give the multi-country Yalla Super App a UAE-licensed basis for cross-border payment flows it currently routes through partner institutions.
- [Pemo Wins In-Principle Approval for UAE Stored Value Facilities Licence](https://fintechly.com/payments/pemo-uae-stored-value-facilities-licence/): The Dubai spend management platform would gain the ability to hold and manage customer business funds directly, rather than solely through a partner bank, once the licence is finalised.
- [Al Etihad Credit Bureau Adds Tabby and Tamara Data to UAE Credit Reports](https://fintechly.com/policy/tabby-and-tamara-data-to-uae-credit-reports/): Buy now, pay later activity will count towards a UAE credit file for the first time from July 2026, closing a gap that has widened alongside the country's $5 billion BNPL market.
- [Checkout.com Secures In-Principle UAE Stored Value Facilities Licence](https://fintechly.com/payments/uae-stored-value-facilities-licence/): The Central Bank of the UAE's SVF licence sets rules for e-wallets and prepaid schemes. See who needs it and how to apply.
- [ADGM Recognises Tether Gold (XAU₮) as Accepted Spot Commodity, Reserves Near $2.9 Billion](https://fintechly.com/cryptocurrencies/tether-gold-xau%e2%82%ae-spot/): Abu Dhabi's financial free zone has cleared XAU₮ for regulated trading and custody, giving Tether's gold token a Gulf foothold its main US rival still lacks.
- [RTP Real Time Payments: What the RTP Network Is and How It Works](https://fintechly.com/payments/payments-rtp-real-time-payments-network/): Learn how RTP real time payments work, from RTP network messages to limits, use cases, and controls so you can launch instant payments with confidence.
- [Sinder Beats Wise and Revolut to Launch a UAE Travel Card With 0% FX Markup](https://fintechly.com/payments/sinder-launches-uae-travel-card/): The Dubai-based fintech, founded by former Revolut and Tamara staff, is live in the UAE while both larger rivals are still sitting on regulatory approvals they haven't yet turned into a retail launch.
- [Instant Payments vs Real Time Payments: Are They the Same?](https://fintechly.com/payments/payments-instant-vs-real-time-payments/): Instant payments vs real time payments explained: learn the key differences by market, what affects speed, and how to set clear user expectations.
- [ADIB Becomes First Bank Globally to Deploy Visa’s New Threat Intelligence Platform](https://fintechly.com/infrastructure/adib-deploys-visas-threat-intelligence-platform/): ADIB is the first external bank to deploy Visa's newly launched fraud and cyber intelligence platform, built on the same defences Visa uses to protect its own global network.
- [UAE’s Jaywan Card Scheme Gets Its First Credit Co-Badge, a Day After National Launch](https://fintechly.com/payments/jaywan-card-scheme-gets-credit-co-badge/): Mastercard launched the first Jaywan co-badged credit card a day after the UAE scheme's national debut. Read what it means for issuers.
- [UAE Banks Face New Sovereign Cloud Questions as Core42 Expands Beyond CBUAE Mandate](https://fintechly.com/infrastructure/sovereign-cloud-core42-expands/): Core42 now powers both the Central Bank of the UAE's sovereign cloud mandate for licensed institutions and a new open-market platform with e& UAE, raising fresh governance questions for banks.
- [Five Minutes With… ChilliMint co-founder San Nakra-Shah](https://fintechly.com/payments/five-minutes-with-chillimint-co-founder-san-nakra-shah/): ChilliMint co-founder San Nakra-Shah says payments businesses need to focus on trust, accountability and customer experience as AI changes how people search, choose and pay.
- [Sav’s Entire Card Portfolio Goes Exclusively Visa in Five-Year UAE-Saudi Deal](https://fintechly.com/payments/sav-card-portfolio-in-five-year-uae-saudi-deal-visa/): A five-year, multimillion-dollar deal makes Visa the sole card network behind Sav's UAE and Saudi Arabia business, with credit cards still pending regulatory approval.
- [What Is Payment Orchestration? The Simple Explanation + Examples](https://fintechly.com/payments/payments-what-is-payment-orchestration/): What is payment orchestration? Learn how it routes payments, retries failures, secures card data, and unifies reporting to boost approvals and uptime.
- [Revolut Wins VARA Approval to Complete Full UAE Crypto and Payments Licence Stack](https://fintechly.com/cryptocurrencies/revolut-wins-uae-crypto-and-payments-licence/): VARA approval lets Revolut offer broker-dealer and exchange services in Dubai, completing its UAE licence stack for a late-2026 launch.
- [BNPL’s New Rulebook Is a Windfall for the Firms That Sell Affordability](https://fintechly.com/financing/bnpls-new-rulebook-is-a-windfall-for-the-firms-that-sell-affordability/): The consumer headline on 15 July was exclusion: how many current users the affordability checks might price out. That is the wrong place for an operator to look. The more durable effect of bringing deferred payment credit inside the Financial Conduct Authority's perimeter is a redistribution of value across the market, and most of it flows to two groups that will never appear at a checkout.
- [Treasury Targets Faster AI Adoption in Finance as Survey Shows City Already Ahead](https://fintechly.com/ai/treasury-targets-faster-ai-adoption-in-finance-as-survey-shows-city-already-ahead/): HM Treasury's two AI Champions have published a plan setting out how the government, regulators and financial firms should speed up the safe adoption of artificial intelligence, with 10 recommendations the government says it has accepted where they fall to it.
- [The payments visibility gap: leaders want real-time data they can’t get](https://fintechly.com/payments/the-payments-visibility-gap-leaders-want-real-time-data-they-cant-get/): EMBARGO: Silverflow data held until 08:00 CEST, 16 July 2026. Internal review copy — do not publish before the embargo lifts.
- [Mansion House 2026: Britain bets on writing the rulebook first](https://fintechly.com/policy/mansion-house-2026-britain-bets-on-writing-the-rulebook-first/):  
- [The £116bn that won’t move: open banking takes on idle cash](https://fintechly.com/banking/the-116bn-that-wont-move-open-banking-takes-on-idle-cash/):  
- [FedNow Real Time Payments: What FedNow Enables (and What It Doesn’t)](https://fintechly.com/payments/payments-fednow-real-time-payments/): FedNow real time payments bring 24/7 instant settlement, but not chargebacks or built-in fraud protection. Learn what FedNow enables and how to plan.
- [Five Minutes With… Kieran Watts at Digital Workforce](https://fintechly.com/infrastructure/five-minutes-with-kieran-watts-at-digital-workforce/): Digital Workforce’s Kieran Watts discusses agentic AI in financial services, operational adoption, governance, compliance and the build-versus-partner question.
- [Payment Orchestration Platform: Features That Matter Most to Merchants](https://fintechly.com/payments/payments-payment-orchestration-platform-features/): Learn the payment orchestration platform features merchants need most—uptime, smart routing, integrations, reporting, and security—to boost approvals and cut outages.
- [Tabby Signs Up 150,000 for Fee Free Cash Account Beyond BNPL](https://fintechly.com/payments/tabby-signs-up-fee-free-cash-account/): The Dubai buy now, pay later group has launched a zero-fee money account under a new central bank licence, its first step into everyday banking.
- [What is RegTech? Regulatory technology, its categories, and the companies building it](https://fintechly.com/compliance/what-is-regtech-regulatory-technology-its-categories-and-the-companies-building-it/): RegTech helps regulated firms automate compliance, from AML and sanctions screening to regulatory reporting, cyber controls and risk management.
- [What is the UAE’s AML law? The 2025 overhaul, the regulators, and what it means for fintechs](https://fintechly.com/compliance/what-is-the-uaes-aml-law-the-2025-overhaul-the-regulators-and-what-it-means-for-fintechs/): The UAE’s 2025 AML law overhaul brings virtual-asset firms into scope, strengthens reporting duties and clarifies supervision across mainland, DIFC and ADGM firms.
- [What is transaction monitoring? How it works, why it fails, and the fines behind it](https://fintechly.com/compliance/what-is-transaction-monitoring-how-it-works-why-it-fails-and-the-fines-behind-it/): Transaction monitoring helps firms detect suspicious payments and customer activity, but false positives, weak data and poor tuning can lead to major AML failures.
- [What is sanctions screening? The lists, the 50% rule, and why a name check isn’t enough](https://fintechly.com/compliance/what-is-sanctions-screening-the-lists-the-50-rule-and-why-a-name-check-isnt-enough/): Sanctions screening checks customers, transactions and counterparties against official lists, but ownership rules and false positives make it more than a name check.
- [What is regulatory reporting? The types, the regimes, and the cost of getting it wrong](https://fintechly.com/compliance/what-is-regulatory-reporting-the-types-the-regimes-and-the-cost-of-getting-it-wrong/): Regulatory reporting requires financial firms to submit prescribed data to supervisors, with failures triggering major fines and compliance costs.
- [Perpetual KYC, explained: how continuous monitoring is replacing the periodic review](https://fintechly.com/compliance/perpetual-kyc-explained-how-continuous-monitoring-is-replacing-the-periodic-review/): Perpetual KYC replaces fixed periodic reviews with continuous, event-driven monitoring that keeps customer risk profiles current.
- [What is Know Your Business (KYB)? Verification, beneficial ownership, and the rules that changed in 2025](https://fintechly.com/compliance/what-is-know-your-business-kyb-verification-beneficial-ownership-and-the-rules-that-changed-in-2025/): KYB verifies businesses and beneficial owners, helping regulated firms detect shell companies, manage AML risk and meet changing 2025 rules.
- [What is the DFSA AML rulebook? The DIFC’s financial-crime module, explained](https://fintechly.com/compliance/what-is-the-dfsa-aml-rulebook-the-difcs-financial-crime-module-explained/): The DFSA AML rulebook sets financial-crime obligations for DIFC firms, covering customer due diligence, suspicious reporting and sanctions controls.
- [What is the Bank Secrecy Act? The rules, the reports, and why it reaches beyond the US](https://fintechly.com/compliance/what-is-the-bank-secrecy-act-the-rules-the-reports-and-why-it-reaches-beyond-the-us/): The Bank Secrecy Act is the US AML law requiring financial firms to report suspicious activity and large cash transactions, with global reach through dollar clearing.
- [Fintechly People Moves: Senior Appointments at Nuvei, ThetaRay and the Payments Association](https://fintechly.com/leadership/fintechly-people-moves-senior-appointments-at-nuvei-thetaray-and-the-payments-association/): Nuvei, ThetaRay, the Payments Association, Premialab and Cerity Partners announce senior fintech and payments leadership appointments.
- [Best Payment Orchestration Platforms: How to Compare Providers Fairly](https://fintechly.com/payments/payments-best-payment-orchestration-platforms/): Compare the best payment orchestration platforms with a fair scorecard, demo questions, and key tradeoffs to boost approvals and cut reconciliation work.
- [Malaysia Gives Banks and E-Wallets Two Years to Retire Their Own QR Codes](https://fintechly.com/payments/malaysia-gives-banks-and-e-wallets-two-years-to-retire-their-own-qr-codes/): Bank Negara Malaysia (BNM) will phase out proprietary QR payment networks by 30 June 2028. The requirement sits within the central bank's newly issued Interoperable Fund Transfer Framework (IFTF), published on 30 June 2026.
- [10 Ways AI-First Banks Are Pulling Ahead in Retail Banking](https://fintechly.com/ai/10-ways-ai-first-banks-are-pulling-ahead-in-retail-banking/): A new BCG report maps 10 capabilities separating AI-first retail banks, from agentic underwriting to voice-bot collections, from rivals still stuck in pilots.
- [FATF Names Stablecoins the Top Illicit Asset and Unhosted Wallets the Weak Link](https://fintechly.com/compliance/fatf-names-stablecoins-the-top-illicit-asset-and-unhosted-wallets-the-weak-link/): FATF warns stablecoins are now the leading virtual asset for illicit transactions, with unhosted wallets exposing gaps in global AML oversight.
- [The disbursement-card boom is real. Betting on the card is the mistake.](https://fintechly.com/payments/the-disbursement-card-boom-is-real-betting-on-the-card-is-the-mistake/): Disbursement cards are booming, but the real value is shifting to routing layers that move payouts across cards, instant rails and stablecoins.
- [Why A Broker, Not An Exchange, Got To Same-Day SpaceX Options First](https://fintechly.com/capital/why-a-broker-not-an-exchange-got-to-same-day-spacex-options-first/): IG launched same-day SpaceX options before exchanges could, showing how CFD wrappers let brokers move faster than listed derivatives markets.

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## Articles
- [“Rome Wasn’t Built in a Day”](https://fintechly.com/interviews/dima-kats/): Dima Kats, CEO of Clear Junction, shares his insights on the payments vertical, how his company is expanding, and what he predicts for the future of fintech.
- [“You Haven’t Had Your Best Idea Yet”](https://fintechly.com/interviews/nick-daze/): Nick Dazé, Founder of Heirloom, discusses the future of blockchain tech and how Web 3.0 is set to be the most secure, user-friendly and empowering internet yet.
- [“Cybercriminals Are Constantly Looking Out for Vulnerabilities”](https://fintechly.com/interviews/cybercriminals-are-constantly-looking-out-for-vulnerabilities/): Protect your business from cybercrime by learning the cybersecurity practices companies should adopt to keep critical apps secure; insights from Onapsis CTO.
- [“Businesses Often Find It Difficult to Get the Working Capital They Need to Grow”](https://fintechly.com/interviews/dave-lewis-ranqx/): Q&A interview with Dave Lewis, Founder and CEO of Ranqx on dealing with the COVID challenge of commercial SMB lending.
- [“Focus on Unit Economics”](https://fintechly.com/interviews/yusuf-ozdalga-qed-investors/): Yusuf Ozdalga, a partner at QED Investors, discusses his experiences as a venture capitalist and shares his future vision of funding in fintech.
- [“Make Sure That You Plan for the Long Term”](https://fintechly.com/interviews/lena-hackeloer-brite-payments/): Brite Payments founder Lena Hackelöer says 'fintech is such a loud, exciting industry' and shares insights into building a successful payments company.
- [“Never Become Distracted by External Forces”](https://fintechly.com/interviews/tamas-kadar-seon/): SEON founder Tamas Kadar discusses how fintech has grown in importance for tackling crime and offers his insights on the future of anti-fraud technology.
- [“All I Do Is Work”](https://fintechly.com/interviews/jeff-ransdell-fuel-venture-capital/): Jeff Ransdell of Fuel VC shares the reason he ditched Silicon Valley for South Florida to invest in disruptors, not institutionalists. Find out why.
- [Q&A Interview With “Uber of Taxes” CEO Richard Lavina](https://fintechly.com/interviews/uber-of-taxes-ceo-richard-lavina/): If the pandemic left us with at least a new solution, it’s that we don’t need to do everything in person. Remote work, zoom meetings, and so much more showed the world that anyone anywhere can make things happen. Filing your taxes should be no different. And for Taxfyle, a US-based tax system often called “The Uber of Taxes” matches, among other things, remote CPAs with tax filers all across the country.
- [Interview: Alex Mifsud on Embedded Finance and Social Impact](https://fintechly.com/interviews/interview-alex-mifsud-on-embedded-finance-and-social-impact/): The Co-Founder and CEO of Weavr, Alex Mifsud, discusses his company's origins and how other fintechs can learn from them to accelerate their business growth.
- [Interview: Drew Sterrett on Democratising Access to Property Ownership](https://fintechly.com/interviews/drew-sterrett-on-democratising-access-to-property-ownership/): The current system of property ownership is outdated and unfair, so Drew Sterrett, the Co-CEO of LEX Markets, is on a mission to change things using fintech.
- [Fintech Expert Chris Skinner Shares His Insights on the Industry](https://fintechly.com/interviews/fintech-expert-chris-skinner-shares-his-insights-on-the-industry/): Gain insights from Fintech expert Chris Skinner on the latest book, DeFi, and the industry's positive impact. Discover more in this exclusive interview.
- [Exclusive Q&A Interview With Don Tapscott (Top Blockchain Influencer)](https://fintechly.com/interviews/exclusive-with-don-tapscott-top-blockchain-influencer/): Don Tapscott is among the world’s most notable thought-leaders on Blockchain technology, modern media, disruptive innovation, and the economic/societal implications of the aforementioned. He is the Chief Executive Officer of The Tapscott…

## Directory
- [Errol Rodericks](https://fintechly.com/the-fintechly-index/people/errol-rodericks/)
- [Eugenia Mykuliak](https://fintechly.com/the-fintechly-index/people/eugenia-mykuliak/)
- [Dave Scola](https://fintechly.com/the-fintechly-index/people/dave-scola/)
- [Kym Lukins](https://fintechly.com/the-fintechly-index/people/kym-lukins/)
- [Khaled Guerbouz](https://fintechly.com/the-fintechly-index/people/khaled-guerbouz/): Building the regulated infrastructure institutions need to issue, trade, settle and pay for digital assets in one place.