The feed
Tearsheet
10 published stories from this source · All spins
Why BNPL infrastructure needs to learn a new acronym: KYA (Know Your Agent)
BNPL was designed for people making purchasing decisions. Agentic commerce shifts those decisions to software. The result is an infrastructure mismatch: autonomous buyers operating on systems built to verify human intent. As AI agents begin purchasing, financing, and managing transactions on behalf of consumers, BNPL providers may become an early test case for questions the … Continue reading "Why BNPL infrastructure needs to learn a new acronym: KYA (Know Your Agent)" The post Why BNPL infrastr
Published Jul 2, 2026 · Analyzed Jul 5, 2026
Trust, stablecoins, and the AI margin squeeze: What McKinsey and QED’s fintech report means for banks
Fintech just lived through four distinct ages — pioneers, growth-at-all-costs, the 2021-22 hype cycle, and the brutal reset that followed. Now we’re in a fifth: bigger, more profitable, and more disciplined than any version that came before it. Stripe’s reportedly eyeing a six-figure IPO. Fintech listings tripled investor appetite this year. And yet talk to … Continue reading "Trust, stablecoins, and the AI margin squeeze: What McKinsey and QED’s fintech report means for banks" The post Trust, s
Published Jul 1, 2026 · Analyzed Jul 5, 2026
The European neobank that grew too fast is learning how to be a global bank
Revolut looked like the fintech industry’s favorite contradiction. It grew like a tech company, launched products like a startup, expanded like a global platform, and talked about itself as something larger than a bank. Yet the market largely viewed it as a fintech orbiting the banking system rather than embedded within it, until it obtained … Continue reading "The European neobank that grew too fast is learning how to be a global bank" The post The European neobank that grew too fast is learnin
Published Jun 30, 2026 · Analyzed Jul 5, 2026
The Week in Market Moves | June 18-25, 2026
Company signals and market response This analysis tracks the top company developments and how markets absorbed them through Thursday’s close, focusing on where shifting narratives translate into price action. It is part of Tearsheet PRO’s weekly 10-Q Newsletter, where strategy meets market reaction. I track how leading banks and fintechs are evolving in public markets … Continue reading "The Week in Market Moves | June 18-25, 2026" The post The Week in Market Moves | June 18-25, 2026 appeared fi
Published Jun 30, 2026 · Analyzed Jul 5, 2026
PayPal is trimming the parts that don’t fit its new operating model
Weekly 10-Q The weekly 10-Q newsletter is part of the Tearsheet Pro subscription, where I unpack the recent moves and strategies of leading banks and fintechs in the public space, coupled with stock market analysis. In your inbox every Friday! Message Sara PayPal is trimming the parts that don’t fit its new operating model PayPal is … Continue reading "PayPal is trimming the parts that don’t fit its new operating model" The post PayPal is trimming the parts that don’t fit its new operating model
Published Jun 29, 2026 · Analyzed Jul 5, 2026
Letter from the Editor: The end of “consumer” and “business” as well-defined categories
The ‘Letter from the Editor’ series features exclusive insight and opinion-driven analysis from Tearsheet editor Sara Khairi. The focus is on linking ideas, questioning assumptions, and tracking shifts across both mature and emerging trends in financial services. This is now PRO-only content. Subscribe to PRO so you never miss a Letter from the Editor exclusive. … Continue reading "Letter from the Editor: The end of “consumer” and “business” as well-defined categories" The post Letter from the E
Published Jun 26, 2026 · Analyzed Jul 5, 2026
The on-chain credit card: Stablecoin credit moves from experiment to infrastructure
Coinbase, Visa and its partners, and blockchain infrastructure firms like Rain and Bridge are pushing an uncomfortable line of inquiry for incumbents: what happens when money can be spent without ever being routed through a bank account? The answer, emerging across multiple announcements in June 2026, is a new category of card programs that don’t … Continue reading "The on-chain credit card: Stablecoin credit moves from experiment to infrastructure" The post The on-chain credit card: Stablecoin
Published Jun 25, 2026 · Analyzed Jul 5, 2026
How Figure and Method closed the loop on debt consolidation and cut delinquency in half
Debt consolidation has always rested on a promise lenders couldn’t verify. A borrower takes out a HELOC, says they’ll pay off their credit cards, and the lender hands over the cash and hopes for the best. Credit bureau data lags by 30 days. There’s no mechanism to confirm the debt actually got retired. And a … Continue reading "How Figure and Method closed the loop on debt consolidation and cut delinquency in half" The post How Figure and Method closed the loop on debt consolidation and cut deli
Published Jun 24, 2026 · Analyzed Jul 5, 2026
Why Grasshopper wants to own more than your bank account
A few years ago, the problem was getting startups access to capital. Today, the problem is what to do with the capital they already have. Higher interest rates, lingering memories of the regional banking crisis, and growing pressure on finance teams to maximize every dollar have changed how businesses think about cash. That dynamic, in … Continue reading "Why Grasshopper wants to own more than your bank account" The post Why Grasshopper wants to own more than your bank account appeared first on
Published Jun 23, 2026 · Analyzed Jul 5, 2026
Recognizing Excellence: The 2026 Tearsheet Bankchain Awards Winners
As blockchain moves from the margins of finance toward the core of banking infrastructure, a mix of established and emerging institutions is shaping its development and deployment. Tearsheet’s Bankchain Awards recognize the banks, fintechs, and technology providers advancing the adoption of digital assets, tokenization, stablecoins, and distributed ledger technology across financial services. This year’s winners … Continue reading "Recognizing Excellence: The 2026 Tearsheet Bankchain Awards Winn
Published Jun 22, 2026 · Analyzed Jul 5, 2026