Patty Supradit

Liberis just launched Dojo Flex Funds in partnership with Dojo . From a product perspective, this is what good embedded finance looks like. Funding is not bolted on later. It is built directly into the onboarding experience, using real trading data to assess eligibility and provide ongoing access to capital from day one. That means less friction for merchants and smarter decisioning at scale. Huge credit to the product, engineering and data teams who made this seamless within Dojo’s ecosystem. Read the full story here: https://lnkd.in/emgut33S

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Monzo board reportedly pushed out CEO Anil over IPO timing: A key issue, reportedly, was IPO timing. https://lnkd.in/gZApGS9Y #Fintech #monzo #TSAnil

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Sterling Softens as US-EU Trade Deal and Central Bank Divergence Reshape FX Flows Sterling has slipped to a 10-week low against the U.S. dollar, caught in the crosswinds of renewed dollar strength, shifting trade dynamics, and a cautious UK macro backdrop. The announcement of a framework trade agreement between the U.S. and European Union over the weekend has refocused investor attention on global policy divergence and the relative fiscal positioning of major economies. While the trade pact was framed as a step away from escalation, markets view it more as a short-term political resolution than a structural fix. Nonetheless, the symbolism was enough to strengthen the dollar, particularly given the vacuum of positive UK-specific news in recent weeks. Sterling touched a low of $1.3316 before retracing slightly, and remains on the back foot against the euro, which hovers just below its two-year high. The short-term rate outlook is contributing to pressure on the pound. While the European Central Bank appears close to the end of its easing cycle, the Bank of England continues to contend with weak domestic growth, stagnant business sentiment, and an uncertain fiscal path. The UK government faces mounting budgetary pressures that may force either tax hikes or higher borrowing in the months ahead, hardly a sterling-positive development. At the same time, July CPI data suggests inflationary pressures are proving sticky. Food and shop prices rose at their fastest pace in over a year, adding to the Monetary Policy Committee’s dilemma. Money and credit data out this week showed tentative signs of a consumer and housing recovery, but the broader growth backdrop remains tepid. A rate cut at the August MPC meeting now looks more probable than not. Against this, the euro's relative fiscal and policy stability has made euro/sterling an increasingly popular trade. The spread narrowed slightly this week, partly as a technical unwind and partly due to the perception that Britain’s 10% tariff deal with the U.S., more favourable than the EU’s 15%, could offer some trade-related upside. Globally, attention now turns to the Federal Reserve’s meeting, where the expectation is for no change in rates. However, the tone of Chair Powell’s comments will be critical, especially amid ongoing political pressure from the White House. Meanwhile, risk sentiment remains fragile, with investors digesting earthquake-related disruptions in Japan and a flurry of major central bank decisions in the pipeline. Overall, FX markets remain reactive, not directional. The dollar continues to benefit from tactical flows and perceived resilience, while sterling remains at the mercy of rate expectations and fragile domestic fundamentals. Until we see a more decisive shift in UK growth or policy expectations, sterling is likely to remain in a defensive posture, with further downside risks particularly against currencies anchored by more stable fiscal and monetary frameworks.

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Welcome to 4OTC's Weekly Digital Asset Update, where we pick three top stories from across the world of Institutional Crypto. This Week on The One Thing; 🚀 LMAX Launches OmniaX for Multi-Asset Trading. ✅ Standard Chartered partners with B2C2 for access. 📈 JPMorgan see 2026 recovery signs for Crypto. Catch our 1:2:1 Kyle-backed StableKyle each week with our LinkedIn Video series, where we take a look at important market developments. Catch you next week. 4OTC - Trusted, Faster, Connected.

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As electronic FX markets continue to evolve, algorithmic execution is becoming an increasingly important part of how clients access liquidity and manage execution quality, particularly among Corporates and Asian clients, This piece explores the continued expansion of FX algo usage and the role banks can play in delivering more sophisticated execution tools. Pleased to see MUFG contributing to the discussion. If you’re exploring FX algos or execution strategies, feel free to reach out to our team https://lnkd.in/gxZRrEYT

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Grateful to be featured in Traders Magazine discussing how buy-side FX trading models are evolving as firms look to scale efficiently without compromising best execution. As credit constraints tighten and workflows grow more complex, automation, interoperability and credit intermediation are transforming how institutional FX is executed - driving a more connected, data-driven marketplace. #LMAXGroup #FX #BuySide #InstitutionalTrading #MarketStructure

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I wanted to share some market Insight 👇🏻 (my views) This is what I’m seeing for MLRO / Head of Compliance Salaries in Payments & Fintech broadly currently. As the payments industry continues its rapid growth, the compliance function has never been more critical, and compensation is evolving fast. Here are some of the salary trends we’re seeing for MLROs / Heads of Compliance in payments / EMI / PI firms (UK / EU) 💥 Senior Compliance Manager / Deputy MLRO £90k-£130k. This is typically firms building first formal compliance team. 💥 MLRO / Compliance Lead (mid market £50m £200m TPV) £130k-£200k •Often includes bonus, equity, fintech benefits. 💥 Senior MLRO / Head of Compliance (scale-up / rapidly scaling) £200k-£300k + Significant equity, global remit, heavy FCA/ECB. *Bonuses/equity vary widely. Figures are indicative. Key themes. 💥 Firms holding an EMI/PI licence, or acting as issuing/processing acquirer, are paying premiums for licence experience. 💥 Crypto (on/off-ramp firms) frequently offer salary + substantial token/equity upside, but candidates expect higher base salary to offset volatility. 💥 Candidates moving in from tier 1 banks to fintech/payments often bring £20-40k extra in base talent remains scarce. 💥 For UK roles, an SMF16/17 approval is increasingly becoming table stakes if a candidate doesn’t already have one, salary negotiation is tougher. 💥 If you’re scaling your compliance team and want a benchmark or talent map, I’ve got an active roster of former bank/fintech MLROs and Compliance Heads happy to connect. Benchmark data reflects typical bandings across EMI, PI, and high growth payments fintechs, based on recent hiring cycles & leadership market conversations. Feel free to share this post with your network if you found it helpful, or get in touch with myself or Jevon Barnes Alexander Barnes to discuss the market rates. #fintech #payments #compliance #AML #MLRO #recruitment #regtech

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I was at the BAFT (Bankers Association for Finance and Trade) event in London yesterday, along with my colleagues from Aqua Global, and we had a really interesting chat with a payments leader from a European bank. We were discussing the conflict in the Middle East and the well reported issues that AWS faced recently with the region went down and, although services were quickly recovered, the delegate commented that there is a growing concern that the over reliance on US based cloud service providers, along with increasing global conflict, an unpredictable US leader who seems to use trade / services as a weapon, and the lack of any European alternative provider, was making his bank question whether public cloud was the right strategy moving forwards. Banking, more than any other industry, needs to maintain operations at all times, but if the service providers that they rely on are ever more likely to be subject to partial or total loss, for whatever reason, then the industry will need to reconsider deploying their core technology on-premises or within private cloud hosting in the future. This is one of the key reasons why Aqua Global's Aquila solution can be deployed in the cloud, as a hybrid or even on-premises, as we know that payments processing is a 24/7/365 function and is operationally critical for our customers, and that risk management and continuity of service is paramount. #resilientsolutions, #globalpayments, #ISO20022

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A lot of talk in the payments industry about Swift being slow and replaced by alternative solutions, however looking at these numbers, it's hard to argue with. - 40,000 payment routes - 11,500 institutions connected to Swift - 4 billion+ accouts reached - 90% of Swift payments reach recipient banks within 1 hour - 93% of Swift payments are fully tracked end-to-end

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I’m thrilled to share that FOMO Pay has officially collaborated with BNY, empowering businesses with U.S.-domiciled USD Virtual Accounts, bringing you directly into the heart of the U.S. domestic banking system. 🎆 What does this mean for your business? 🚀 Speed: Same-day (T+0) settlement via local U.S. clearing rails. 🤝 Institutional Grade: Secure, high-tier custody and clearing infrastructure. 📊 Efficiency: Support for advanced treasury models like POBO and COBO. 🔍 Transparency: Direct visibility into your USD flows with reduced friction. If this is something that caught your interest, lets connect and talk!

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We're significantly expanding our commitment to tokenisation with the acquisition of a majority stake in Tokeny, a leader in enterprise-grade tokenisation solutions. Read the news: https://okt.to/g97pRI Tokeny’s team and technology will become part of our broader ecosystem, helping us support clients in unlocking new efficiencies, liquidity, and global reach through digital assets. #ApexGroup #Tokeny #Tokenisation #TokenisedFinance #DigitalAssets #WeAreApexGroup

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Visa Q2 FY2025 - Solid Earnings, But TPV Growth Slows Amid Macro and Competition Visa delivered another strong quarter, yet stock reaction was muted driven by slowing payments volume amid macro pressures. Q2 Highlights (FY25 Q2 ended March 31) >Net revenue: $9.6B (+9% YoY; +11% constant‑dollar) >Non‑GAAP EPS: $2.76 (+10% YoY) vs. $2.68 consensus >GAAP EPS: $2.32 (+1%) >Free Cash Flow (Q2): $4.37B; Returns to shareholders: $5.6B in buybacks + dividends Volume Metrics -Total payments volume: +8% YoY in constant dollars -Processed transactions: +9% (60.7B) -Cross‑border volume: +13% (ex‑Europe) These remain healthy trends-but an 8% TPV gain is below recent quarterly peaks, putting pressure on growth multiples. Why Growth Slowed -Macroeconomic headwinds: Tariffs, sluggish global commerce, and consumer caution especially in China and Europe crippled travel and cross-border volume momentum. -Increased competition: Fintech rails and app-based wallets (e.g. Apple Pay, Google Pay, BNPL, digital overlays) are incrementally bypassing traditional card rails. In markets like China and India, local payment networks continue to gain share. While Visa maintains infrastructure dominance, newer digital-native payment rails pressure midstream volume growth. Strategic Strengths Holding Fast -Core network dominance in cards and cross-border clearing -Diversified revenue mix: service revenues + data processing + international transactions -Strong margin performance: Operating leverage sustained despite increased litigation reserves and personnel spend (but thats financial engineering) -Massive buyback program: $30B authorized in April, indicating board confidence in long-term fundamentals What to Watch Next >Will cross-border volume accelerate as global travel and trade rebound? >Can Visa regain transactional share lost to non-card forms (digital wallets, tokens)? >How effectively will Visa monetize value-added services like Visa Intelligent Commerce and tokenized credentialing? Though growth has slowed, Visa still benefits from network leadership and expanding TAM in commerce intelligence and money movement APIs. #Visa #Payments #Earnings #TPV #Fintech

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Barclays has announced it will acquire Wilmington-based fintech company Best Egg to give a major boost to its personal loan portfolio. #netde #InsiderOnly #acquire #personalloan https://lnkd.in/gyDXNB52

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Incredibly exciting day! Coinbase has launched access to equities as part of our broader strategy to build the world’s best “everything exchange”. In connection with expanding our capabilities, we’re expanding our reach. Today, we went live with our partnership with Yahoo Finance that connects our platform to millions of new users and represents the best way to combine financial information and a place to trade on it. Congrats to all from both teams!

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If you’re managing payments and settlement at scale, this is the layer that changes the system. #BXNK #atomicacquiring #fintech #infrastructure #payments #digitalassets #institutionalfinance

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Interesting news in payments... If Stripe were to acquire PayPal, it could have real implications for community banks. When fintech companies control payments and lending, they can also pull in business deposits. That means local banks risk losing operating accounts, not just processing revenue. Staying close to business customers has never mattered more. Mercantile Processing, Inc. (MPI) #CommunityBanking #Fintech #Payments #Banking Stripe Considers Acquisition of All or Parts of PayPal (PYPL) - Bloomberg https://lnkd.in/eAfHNeRN

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