Latest news with #Fintech
Crypto Insight
a day ago
- Business
- Crypto Insight
From Bank to Broker to Crypto: Infrastructure Playbooks for Regulated Companies Entering Digital Assets
The EU's MiCA framework is creating a predictable environment for crypto services. Stablecoins are being used for payments, settlements, and cross-border operations. Tokenized assets are being tested by banks and asset managers. As a result, banks, brokers, and fintech platforms are planning to launch crypto services. This can include custody, trading, or stablecoin rails. But these companies work under strict rules. They need infrastructure that meets high standards for uptime, access control, compliance, and reporting. A simple API or SDK is not enough. What they need is a full infrastructure strategy. This article outlines how regulated companies can add crypto services without increasing their risk. Why regulated companies are moving into crypto There are several reasons why traditional financial companies are building crypto services now: MiCA gives legal clarity in the EU Stablecoins like USDC are becoming tools for fast payments Clients are asking for access to crypto products Tokenized assets are gaining interest from institutions The goals are different from startups. Regulated firms need long-term infrastructure that can handle audits, reporting, and operations at scale. Common entry points for crypto integration Regulated companies usually begin their crypto journey by focusing on one or two specific services, depending on their market and compliance readiness. One common starting point is custody. Firms that offer custody focus on secure wallet infrastructure, enabling users to deposit and withdraw assets safely. This creates a foundation for other services, such as staking or tokenized investments. Some companies prioritize trading access. These platforms allow users to buy and sell cryptocurrencies but avoid handling custody by keeping the assets off-chain or locked within internal systems. This limits their exposure to custody-related risks while still meeting customer demand. Another growing use case is stablecoin integration. Payment firms and cross-border platforms are using assets like USDC or EURC to provide faster and more cost-effective alternatives to traditional rails like SWIFT or SEPA. Others are entering crypto through tokenized asset offerings, where banks and brokers begin experimenting with digital versions of bonds or private equity instruments. Each approach requires a tailored infrastructure stack and a different level of compliance maturity. But all of them depend on having reliable custody, transaction logic, and audit controls from the beginning. Core infrastructure requirements When a regulated company adds crypto to its platform, the infrastructure must meet the same operational and legal standards as any other financial system. Custody systems should be built on secure methods like MPC or HSM, and must include fine-grained control over who can initiate and approve transactions. Access needs to be managed by role, with multi-level approvals and detailed permissions. Logging and audit trails must be available in real time. Every transaction, user action, or system change needs to be tracked and stored securely, with full export capabilities for regulators or internal teams. Uptime is also critical. Crypto services should match the reliability of traditional trading or banking infrastructure, which means deploying redundancy, health checks, and fallback systems to minimize service interruptions. Beyond the backend, companies also need tools for real-time monitoring. Dashboards that track delays, performance, or anomalies help operations teams respond quickly. And when working with infrastructure vendors, transparency is essential. Regulated companies need visibility into how the platform works, what its performance history looks like, and how it supports ongoing compliance. Compliance is a technical requirement Many crypto compliance rules are enforced through software. Regulated companies must understand the infrastructure requirements behind these rules. Travel Rule When users send crypto to external wallets, the system needs to detect when to apply the Travel Rule. This means adding metadata, identifying the receiving service, and preventing non-compliant transfers. MiCA enforcement MiCA asks for clear control over custody, user asset management, and risk policies. These controls must be built into the infrastructure. Manual policies are not enough. Regional requirements Some regions require local data storage or restrict where wallets can be accessed from. This must be supported in system design and deployment. At Scalable Solutions, we build compliance into the platform. Features like transaction screening, withdrawal checks, and audit logs are not optional add-ons. They are part of the standard architecture. What to build in-house and what to use from vendors Companies that want to offer crypto services need to decide which parts of the infrastructure they will build themselves and which parts they will source from vendors. In most cases, it makes sense to keep control over the user interface, onboarding experience, internal dashboards, and risk or compliance rules that are specific to their business. At the same time, core infrastructure such as key custody, blockchain node access, transaction screening, and monitoring tools can be more efficient and secure when provided by specialized vendors. The key is to work with providers who offer transparency, regulatory readiness, and clear service-level commitments. Systems that don't provide access to logs, lack proper client separation, or operate as black boxes can create serious operational and compliance risks. When choosing a vendor, companies should avoid platforms that: Don't share logs or audit data Use shared infrastructure without strong isolation Have no proof of regulatory readiness Can't meet SLA and uptime requirements Lessons from the field What didn't work A European broker launched a crypto service using a basic white-label backend. The system gave internal staff access to wallets without proper role separation. When regulators asked for logs, the company couldn't provide them. The service was shut down after a few months. What worked A payment platform added USDC payouts using vendor-based custody and compliance modules. They kept control over AML policy logic and used modular infrastructure. The service launched quickly and passed a regulatory audit within six months. Conclusion For regulated companies, crypto is no longer out of reach. But it must be added with the same care as any other financial service. The infrastructure must support controlled key management, transaction screening, role-based access, logging and audit tools and regional deployment strategies – all in one, simply manageable source. Source:
Crypto Insight
a day ago
- Business
- Crypto Insight
Fintech firms will move to DeFi lending within 3 years: Morpho co-founder
Financial technology (Fintech) companies may move away from traditional lending services, as decentralized alternatives offer more accessible loans with smaller fees. Decentralized finance (DeFi) lending protocols enable users to lend and borrow their cryptocurrency for passive income in a permissionless manner, via smart contracts instead of numerous financial intermediaries. The growing efficiency and accessibility of DeFi lending protocols may inspire more fintech companies to opt for them over centralized lending alternatives, according to Merline Egalite, co-founder of Morpho, the second-largest decentralized lending protocol. He told Cointelegraph during an exclusive interview at EthCC 2025: 'Fintechs have realized that integrating DeFi is a strategic move. If they don't do it, they will lag behind others because fintechs are competing on the UX and the product they give to users.' 'Fintechs are realizing that DeFi can provide a higher rate,' explained Egalite, adding that DeFi adoption can help financial institutions 'provide the best financial products,' in terms of lending and trading. This will inspire the lion's share of global fintech firms to migrate to DeFi within the next three years, he added. Morpho is the crypto industry's second-largest lending protocol, worth over $5.5 billion in total value locked (TVL) across 20 blockchains, behind AAVE's industry-leading $31 billion TVL, DefiLlama data shows. DeFi loans can present an important financial lifeline for global citizens without access to traditional banking infrastructure. DeFi's permissionless nature helps bypass traditional banking restrictions Increasingly more fintech firms are recognizing the advantages of DeFi's permissionless nature, which removes financial intermediaries and centralized risks involved in the lending and borrowing process. Fintech using traditional banking rails still risk losing their license or Application Programming Interface (API) access, Egalite said, adding: 'So are you hooked by large banks? In DeFi, you don't fear that because there are no intermediaries. You just trust the code itself.' While fintech firms already recognize these advantages, regulated yield-bearing products may inspire even more financial institutions to explore DeFi lending in the future, added Egalite. DeFi lending rose to a new cumulative all-time high of $66.7 billion in TVL on Friday, according to DefiLlama data. AAVE protocol's $31.7 billion TVL currently accounts for 47% of the total DeFi lending value, while Morpho's $5.5 billion accounts for over 8.2%. This marked a significant recovery for crypto lending, which saw a decline starting in 2022 when centralized finance (CeFi) lenders Genesis, Celsius Network, BlockFi and Voyager filed for bankruptcy within two years as crypto valuations fell. Source:
Bloomberg
2 days ago
- Business
- Bloomberg
Jack Dorsey's Block to Join S&P 500 Index, Replacing Hess
Fintech company Block Inc. will be joining the S&P 500 index, according to a press release from S&P Dow Jones Indices Friday. The Jack Dorsey-founded company will replace Hess Corp. in the index, following Chevron Corp. 's $53 billion deal to buy the energy company. The changes will go into effect prior to the start of trading on July 23.
Fashion Value Chain
2 days ago
- Business
- Fashion Value Chain
Razorpay Named Among World's Top Fintech Innovators 2025 by CNBC and Statista
Razorpay, India's Leading Omnichannel Payments and Business Banking Platform, has been featured in the 2025 edition of the World's Top Fintech Companies list by Statista and CNBC. Securing a spot among the world's top fintech firms, Razorpay stands out as one of only 13 Indian companies to make it to this prestigious global ranking. Now in its third edition, the list celebrates fintech innovators across categories, with Razorpay earning recognition in the Payments segment. Out of thousands of fintech companies assessed worldwide, only 300 were selected for this prestigious list, underscoring the significance of this recognition for Razorpay and its standing among global fintech leaders. Razorpay Honoured Among Global Fintech Game Changers Curated by CNBC and Statista, the World's Top Fintech Companies list is based on a rigorous, data-driven assessment of over 40 performance indicators. It recognizes fintech innovators that have demonstrated exceptional growth, technological advancement, and market impact across diverse financial segments, including payments, alternative finance, digital assets, neobanking, among others. The list honors companies shaping the future of finance through scalable solutions, operational resilience, and customer-centric innovation. 'Being recognized among the World's Top Fintech Innovators is an incredible milestone for us,' said Harshil Mathur, CEO and Co-founder of Razorpay. 'This achievement reinstates the trust and support of our merchants, businesses, and startups who have been with us every step of the way. As a homegrown company, being featured on a global stage like this is not just a milestone for Razorpay; it's a testament to the strength, resilience, and innovation of India's fintech ecosystem. A hearty congratulations to all the other winners who have made it onto this list.' With an annualized Total Payment Volume (TPV) of over $180 billion, Razorpay has established itself as the market leader in India's digital payments processing space, commanding a significant majority market share. The platform empowers millions of businesses with enhanced operational efficiency, seamless customer experiences, and the tools to scale confidently. Trusted by 105 of India's 119 unicorns and reaching over 300 million end consumers, Razorpay has become a critical pillar of India's digital economy. Driven by its mission to simplify financial operations, Razorpay continues to fuel the growth of businesses across India and emerging global markets. As India charts its path to becoming the world's third-largest economy with a projected $7 trillion GDP by 2030, Razorpay is committed to playing a meaningful role in this growth story. By 2030, Razorpay aims to contribute $900 billion to India's $4 trillion digital payments (P2M) market, empowering businesses, driving fintech innovation, and advancing India's digital economy on the global stage. About Razorpay Razorpay, an omnichannel payments and banking platform for businesses, helps Indian businesses with comprehensive and innovative solutions built over robust technology to address the entire length and breadth of the payment and banking journey for any business. Established in 2014, the company provides technology payment solutions to millions of businesses. Founded by alumni of IIT Roorkee, Shashank Kumar, and Harshil Mathur, Razorpay is the second Indian company to be a part of Silicon Valley's largest tech accelerator, Y Combinator. Marquee investors such as Lightspeed, Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Peak XV Partners (formerly known as Sequoia Capital India), Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A to F in funding. A few angel investors have also invested in Razorpay's mission to simplify payments and business banking and redefine how finance works in India.
Zawya
2 days ago
- Business
- Zawya
Alkhabeer Capital unveils partnership with $5bln global asset manager to unlock Saudi fintech private credit
Riyadh – Alkhabeer Capital has signed a strategic partnership agreement with Fasanara Capital, a $5 billion global asset manager specializing in technology-enabled credit solutions, according to a press release. The signing of the memorandum of understanding (MoU), which came during an exclusive event held in Jeddah under the theme 'Fintech-Originated Private Credit – the Asset Class and its Potential in the Kingdom', marks a key milestone in our joint mission to unlock fintech private credit opportunities in the Kingdom. The CEO of Alkhabeer Capital, Ahmed Saud Ghouth, stated: "Saudi Arabia's investment landscape is undergoing rapid transformation, driven by digitalization, innovation, and a push for diversified capital formation.' Ghouth added: 'Our partnership with Fasanara Capital reflects a shared ambition to pioneer new asset classes that respond to the evolving needs of investors and align with the objectives of Vision 2030.' Meanwhile, Francesco Filia, Founder and CEO of Fasanara Capital, said: 'This collaboration represents a significant step toward building a more inclusive and technologically advanced financial ecosystem. By leveraging data-driven lending models and next-generation credit infrastructure, we aim to deliver scalable, transparent, and risk-conscious solutions that address the growing demand for alternative fixed-income strategies in the Kingdom.' It is worth noting that Alkhabeer Capital is one of the leading capital market institutions in Saudi Arabia, authorized by the Capital Market Authority (CMA) and headquartered in Jeddah, with a branch in the capital Riyadh. Moreover, the company provides innovative world-class investment products and solutions in private equity, financial markets, and real estate investments, in addition to offering investment banking and brokerage services. All Rights Reserved - Mubasher Info © 2005 - 2022 Provided by SyndiGate Media Inc. (
