# sources

title: seekingalpha.com: 4855892 visa vs mastercard two payment giants one clear favorite for me
node_name: Visa Mastercard Four-Party Network Model
created_at: 2026-04-17 00:01:29
url:
https://seekingalpha.com/article/4855892-visa-vs-mastercard-two-payment-giants-one-clear-favorite-for-me


title: pymnts.com: Fed data shows economics of interchange 86 percent of fees fund rewards programs
node_name: Interchange-Funded Rewards Flywheel
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/news/loyalty-and-rewards-news/2025/fed-data-shows-economics-of-interchange-86-percent-of-fees-fund-rewards-programs/


node_name: Interchange-Funded Rewards Flywheel
created_at: 2026-04-17 00:01:29
url:
https://zafin.com/insights/banking-blueprints/blogs/interchange-fees-are-falling-what-it-means-for-banks-card-rewards-and-the-future-of-customer-loyalty/

title:
zafin.com: Interchange fees are falling what it means for banks card rewards and the future of customer loyalty


title: pymnts.com: Pix turns 5 brazil real time payments shift accelerates
node_name: PIX Public Infrastructure Model
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/real-time-payments/2025/pix-turns-5-brazil-real-time-payments-shift-accelerates/


title: financialit.net: Pix five years how brazil built one worlds most advanced public payments
node_name: PIX Public Infrastructure Model
created_at: 2026-04-17 00:01:29
url:
https://financialit.net/news/payments/pix-five-years-how-brazil-built-one-worlds-most-advanced-public-payments


title: mastercard.com: Mastercard stablecoin utility and scale
node_name: Stablecoin Settlement Layer Bypass
created_at: 2026-04-17 00:01:29
url:
https://www.mastercard.com/us/en/news-and-trends/stories/2025/mastercard-stablecoin-utility-and-scale.html


title: americanbanker.com: Visa mastercard rely on non payment services to counter fee threats
node_name: Card Network Multi-Rail Pivot
created_at: 2026-04-17 00:01:29
url:
https://www.americanbanker.com/payments/news/visa-mastercard-rely-on-non-payment-services-to-counter-fee-threats


node_name: Card Network Multi-Rail Pivot
created_at: 2026-04-17 00:01:29
url:
https://dwaynegefferie.substack.com/p/mastercard-2026-strategy-betting-on-international-digital-and-cross-border

title:
dwaynegefferie.substack.com: Mastercard 2026 strategy betting on international digital and cross border


node_name: Sovereign Payment Stack Race
created_at: 2026-04-17 00:01:29
url:
https://europeanbusinessmagazine.com/buying-guides/business-banking/europes-payments-power-struggle-how-fintechs-are-taking-on-visa-and-mastercard/

title:
europeanbusinessmagazine.com: Europes payments power struggle how fintechs are taking on visa and mastercard


title: europeanbusinessmagazine.com: Europes 24 trillion breakup with visa and mastercard has begun
node_name: Wero European Payments Initiative
created_at: 2026-04-17 00:01:29
url:
https://europeanbusinessmagazine.com/business/europes-24-trillion-breakup-with-visa-and-mastercard-has-begun/


node_name: Wero European Payments Initiative
created_at: 2026-04-17 00:01:29
url:
https://europeanbusinessmagazine.com/business/43-million-users-in-12-months-how-wero-is-building-europes-answer-to-visa-and-mastercard/

title:
europeanbusinessmagazine.com: 43 million users in 12 months how wero is building europes answer to visa and mastercard


title: contextualsolutions.de: Europe wero payment system sovereignty visa mastercard alternative
node_name: Wero European Payments Initiative
created_at: 2026-04-17 00:01:29
url:
https://www.contextualsolutions.de/blog/europe-wero-payment-system-sovereignty-visa-mastercard-alternative


title: vixio.com: Pc australia hits least cost routing milestone google wallet entry
node_name: Least-Cost Routing Merchant Bypass
created_at: 2026-04-17 00:01:29
url:
https://www.vixio.com/regulatory-news/pc-australia-hits-least-cost-routing-milestone-google-wallet-entry


node_name: Big Tech Wallet Platform Wedge
created_at: 2026-04-17 00:01:29
url:
https://www.futuremarketinsights.com/articles/how-mobile-payment-infrastructure-costs-shape-who-actually-profits-from-digital-wallets

title:
futuremarketinsights.com: How mobile payment infrastructure costs shape who actually profits from digital wallets


title: scmp.com: China expands digital yuan push singapore and asean trade routes
node_name: e-CNY CIPS Dollar Bypass System
created_at: 2026-04-17 00:01:29
url:
https://www.scmp.com/economy/global-economy/article/3337642/china-expands-digital-yuan-push-singapore-and-asean-trade-routes


title: piie.com: China gives state backed digital cash us and europe should take note
node_name: e-CNY CIPS Dollar Bypass System
created_at: 2026-04-17 00:01:29
url:
https://www.piie.com/blogs/realtime-economics/2026/china-gives-state-backed-digital-cash-us-and-europe-should-take-note


title: thepaymentsassociation.org: The account to account a2a push reshaping uk payments and open banking
node_name: Open Banking PISP A2A Layer
created_at: 2026-04-17 00:01:29
url:
https://thepaymentsassociation.org/article/the-account-to-account-a2a-push-reshaping-uk-payments-and-open-banking/


title: fintechnews.ch
node_name: Open Banking PISP A2A Layer
created_at: 2026-04-17 00:01:29
url:
https://fintechnews.ch/payments/real-time-payment-infrastructure-open-banking-initiatives-drive-growth-in-a2a-transactions/72615/


title: optimizedpayments.com: Network tokenization a strategic advantage in modern payments
node_name: Network Tokenization Counter-Moat
created_at: 2026-04-17 00:01:29
url:
https://optimizedpayments.com/insights/card-fees/network-tokenization-a-strategic-advantage-in-modern-payments/


title: beyondspx.com: Visa s platform revolution building a 40 trillion moat beyond the card nyse v
node_name: Network Tokenization Counter-Moat
created_at: 2026-04-17 00:01:29
url:
https://www.beyondspx.com/quote/V/visa-s-platform-revolution-building-a-40-trillion-moat-beyond-the-card-nyse-v


node_name: BNPL Credit Disintermediation
created_at: 2026-04-17 00:01:29
url:
https://thefinancialbrand.com/news/payments-trends/as-affirm-and-klarna-go-with-debit-smaller-players-start-debit-based-bnpl-192378

title:
thefinancialbrand.com: As affirm and klarna go with debit smaller players start debit based bnpl 192378


node_name: B2B Payments Digitization Gap
created_at: 2026-04-17 00:01:29
url:
https://intellipay.com/ach-payment-volume-hit-93-trillion-in-2025-what-the-record-breaking-numbers-mean-for-businesses-and-government-agencies-in-2026/

title:
intellipay.com: Ach payment volume hit 93 trillion in 2025 what the record breaking numbers mean for businesses and government agencies in 2026


node_name: Visa Mastercard Swipe-Fee Settlement 2025
created_at: 2026-04-17 00:01:29
url:
https://papetroleum.org/visa-mastercard-swipe-fee-settlement-overview-impact-to-deliverable-energy-marketers/

title:
papetroleum.org: Visa mastercard swipe fee settlement overview impact to deliverable energy marketers


node_name: mBridge Multilateral CBDC Platform
created_at: 2026-04-17 00:01:29
url:
https://www.tradingview.com/news/cointelegraph:9c2c921fc094b:0-china-led-cbdc-project-mbridge-tops-55b-in-cross-border-payments/

title:
tradingview.com: Cointelegraph:9c2c921fc094b:0 china led cbdc project mbridge tops 55b in cross border payments


title: coindesk.com: Jpmorgan s tokenized dollars are quietly rewiring how wall street moves money
node_name: Tokenized Deposit Bank Counter-Strike
created_at: 2026-04-17 00:01:29
url:
https://www.coindesk.com/business/2025/12/18/jpmorgan-s-tokenized-dollars-are-quietly-rewiring-how-wall-street-moves-money


title: Brookings: What are the differences between payment stablecoins and tokenized bank deposits
node_name: Tokenized Deposit Bank Counter-Strike
created_at: 2026-04-17 00:01:29
url:
https://www.brookings.edu/articles/what-are-the-differences-between-payment-stablecoins-and-tokenized-bank-deposits/


node_name: UnionPay China-Captive Network Effect
created_at: 2026-04-17 00:01:29
url:
https://www.payverse.com/the-roi-of-global-expansion-a-strategic-comparison-of-unionpay-vs-legacy-payment-rails/

title:
payverse.com: The roi of global expansion a strategic comparison of unionpay vs legacy payment rails


node_name: Chargeback Protection Consumer Guarantee
created_at: 2026-04-17 00:01:29
url:
https://www.mastercard.com/news/europe/en/newsroom/press-releases/en/2025/prevent-protect-and-recover-mastercard-strengthens-trust-in-account-to-account-payments/

title:
mastercard.com: Prevent protect and recover mastercard strengthens trust in account to account payments


title: mayerbrown.com: Genius act signed into law us enacts federal stablecoin legislation
node_name: GENIUS Act Dollar Stablecoin Framework
created_at: 2026-04-17 00:01:29
url:
https://www.mayerbrown.com/en/insights/publications/2025/07/genius-act-signed-into-law-us-enacts-federal-stablecoin-legislation


title: whitehouse.gov: Fact sheet president donald j trump signs genius act into law
node_name: GENIUS Act Dollar Stablecoin Framework
created_at: 2026-04-17 00:01:29
url:
https://www.whitehouse.gov/fact-sheets/2025/07/fact-sheet-president-donald-j-trump-signs-genius-act-into-law/


title: ssga.com: Genius act explained what it means for crypto and digital assets
node_name: GENIUS Act Dollar Stablecoin Framework
created_at: 2026-04-17 00:01:29
url:
https://www.ssga.com/us/en/intermediary/insights/genius-act-explained-what-it-means-for-crypto-and-digital-assets


title: incrypted.com: The ecb will introduce standards for the digital euro in the summer of 2026
node_name: Digital Euro Retail CBDC 2029
created_at: 2026-04-17 00:01:29
url:
https://incrypted.com/en/the-ecb-will-introduce-standards-for-the-digital-euro-in-the-summer-of-2026/


title: swift.com: Iso 20022 financial institutions focus payments instructions
node_name: ISO 20022 Structured Data Revolution
created_at: 2026-04-17 00:01:29
url:
https://www.swift.com/standards/iso-20022/iso-20022-financial-institutions-focus-payments-instructions


node_name: ISO 20022 Structured Data Revolution
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/news/cross-border-commerce/cross-border-payments/2025/what-cross-border-chief-financial-officers-can-expect-from-iso-20022-migration-november-22

title:
pymnts.com: What cross border chief financial officers can expect from iso 20022 migration november 22


title: investor.visa.com: Default
node_name: AI Agentic Payment Infrastructure
created_at: 2026-04-17 00:01:29
url:
https://investor.visa.com/news/news-details/2025/Visa-and-Partners-Complete-Secure-AI-Transactions-Setting-the-Stage-for-Mainstream-Adoption-in-2026/default.aspx


title: pymnts.com: 2025 the year ai agents entered payments and changed whos in control
node_name: AI Agentic Payment Infrastructure
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/news/artificial-intelligence/2025/2025-the-year-ai-agents-entered-payments-and-changed-whos-in-control/


node_name: UnionPay Global Card Dominance
created_at: 2026-04-17 00:01:29
url:
https://www.santander.com/en/press-room/press-releases/2025/11/getnet-and-unionpay-international-accelerate-acceptance-of-unionpay-cards-in-spain-and-portugal-focusing-on-retail-and-public-transport

title:
santander.com: Getnet and unionpay international accelerate acceptance of unionpay cards in spain and portugal focusing on retail and public transport


title: polytechnique-insights.com: Strengths and constraints of the central banks digital euro
node_name: CBDC Bank Run Trilemma
created_at: 2026-04-17 00:01:29
url:
https://www.polytechnique-insights.com/en/columns/economy/strengths-and-constraints-of-the-central-banks-digital-euro/


node_name: Stablecoin T-Bill Demand Engine
created_at: 2026-04-17 00:01:29
url:
https://www.kansascityfed.org/research/economic-bulletin/stablecoins-could-increase-treasury-demand-but-only-by-reducing-demand-for-other-assets/

title:
kansascityfed.org: Stablecoins could increase treasury demand but only by reducing demand for other assets


title: theasianbanker.com: Project nexus to transform global payments going live in 2026
node_name: Project Nexus ASEAN Rail Bridge
created_at: 2026-04-17 00:01:29
url:
https://www.theasianbanker.com/updates-and-articles/project-nexus-to-transform-global-payments-going-live-in-2026


node_name: Project Nexus ASEAN Rail Bridge
created_at: 2026-04-17 00:01:29
url:
https://cbpn.currencyresearch.com/blog/2025/12/18/nexus-global-payments-executes-the-blueprint-for-seamless-cross-border-payments

title:
cbpn.currencyresearch.com: Nexus global payments executes the blueprint for seamless cross border payments


title: en.antaranews.com: Indonesia joins bis nexus project for instant cross border payments
node_name: Project Nexus ASEAN Rail Bridge
created_at: 2026-04-17 00:01:29
url:
https://en.antaranews.com/news/402630/indonesia-joins-bis-nexus-project-for-instant-cross-border-payments


title: carnegieendowment.org: How sanctions on russia will alter global payments flows
node_name: Russia SWIFT Sanctions 2022 Geopolitical Trigger
created_at: 2026-04-17 00:01:29
url:
https://carnegieendowment.org/posts/2022/03/how-sanctions-on-russia-will-alter-global-payments-flows


title: atlasinstitute.org: Weaponized finance sanctions swift and the future of global political risk
node_name: Russia SWIFT Sanctions 2022 Geopolitical Trigger
created_at: 2026-04-17 00:01:29
url:
https://atlasinstitute.org/weaponized-finance-sanctions-swift-and-the-future-of-global-political-risk/


title: stratvaults.com: Fx transparency in banking why opaque cross border payments still destroy trust
node_name: FX Spread Hidden Revenue Layer
created_at: 2026-04-17 00:01:29
url:
https://stratvaults.com/fx-transparency-in-banking-why-opaque-cross-border-payments-still-destroy-trust/


node_name: FX Spread Hidden Revenue Layer
created_at: 2026-04-17 00:01:29
url:
https://www.coindesk.com/business/2026/03/31/forex-startup-openfx-raises-usd94-million-to-expand-stablecoin-powered-cross-border-payments

title:
coindesk.com: Forex startup openfx raises usd94 million to expand stablecoin powered cross border payments


node_name: M-Pesa Mobile Money Leapfrog
created_at: 2026-04-17 00:01:29
url:
https://fintechassociation.africa/blog/at-18-m-pesa-faces-its-adult-future-kenyas-mobile-money-giant-at-a-crossroads

title:
fintechassociation.africa: At 18 m pesa faces its adult future kenyas mobile money giant at a crossroads


title: fxcintel.com: Ct fis global payments worldpay gtcr issuer solutions acquisiton deal
node_name: Merchant Acquiring Bifurcation
created_at: 2026-04-17 00:01:29
url:
https://www.fxcintel.com/research/reports/ct-fis-global-payments-worldpay-gtcr-issuer-solutions-acquisiton-deal


title: fisglobal.com: Fis completes strategic acquisition of global payments issuer solutions business
node_name: Merchant Acquiring Bifurcation
created_at: 2026-04-17 00:01:29
url:
https://www.fisglobal.com/about-us/media-room/press-release/2026/fis-completes-strategic-acquisition-of-global-payments-issuer-solutions-business


title: reconart.com: Iso 20022 adoption transform reconciliation enhance payments unlock efficiencies
node_name: ISO 20022 Rich Data Revolution
created_at: 2026-04-17 00:01:29
url:
https://www.reconart.com/blog/iso-20022-adoption-transform-reconciliation-enhance-payments-unlock-efficiencies/


title: frbservices.org: Wires iso 20022 new era global payments infrastructure
node_name: ISO 20022 Rich Data Revolution
created_at: 2026-04-17 00:01:29
url:
https://www.frbservices.org/news/fed360/issues/120225/wires-iso-20022-new-era-global-payments-infrastructure


title: pymnts.com: What cfos should ask about payments data as iso 20022 goes live
node_name: ISO 20022 Rich Data Revolution
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/news/b2b-payments/2025/what-cfos-should-ask-about-payments-data-as-iso-20022-goes-live


node_name: Apple NFC Opening EU Ruling 2024
created_at: 2026-04-17 00:01:29
url:
https://techcrunch.com/2024/07/11/eu-ends-apple-pay-antitrust-probe-with-binding-commitments-to-open-up-contactless-payments/

title:
techcrunch.com: Eu ends apple pay antitrust probe with binding commitments to open up contactless payments


title: fintech.global: Apple avoids massive eu fines by opening nfc technology to third party providers
node_name: Apple NFC Opening EU Ruling 2024
created_at: 2026-04-17 00:01:29
url:
https://fintech.global/2024/07/11/apple-avoids-massive-eu-fines-by-opening-nfc-technology-to-third-party-providers/


node_name: Apple Pay NFC Toll Gate
created_at: 2026-04-17 00:01:29
url:
https://www.digitaltransactions.net/apple-pay-no-charge-for-merchants-but-transaction-security-fees-for-issuers/

title:
digitaltransactions.net: Apple pay no charge for merchants but transaction security fees for issuers


node_name: Apple Pay NFC Toll Gate
created_at: 2026-04-17 00:01:29
url:
https://www.nfcw.com/2022/07/19/378097/law-firm-files-class-action-against-apple-on-behalf-of-us-payment-card-issuers-over-nfc-chip-access-and-service-fees/

title:
nfcw.com: Law firm files class action against apple on behalf of us payment card issuers over nfc chip access and service fees


node_name: Zelle Bank Consortium Defense Network
created_at: 2026-04-17 00:01:29
url:
https://www.earlywarning.com/press-release/zelle-hits-new-highs-two-billion-transactions-and-nearly-600-billion-payments-first

title:
earlywarning.com: Zelle hits new highs two billion transactions and nearly 600 billion payments first


title: americanbanker.com: Zelle passes 1t in 2024 with a boost from small businesses
node_name: Zelle Bank Consortium Defense Network
created_at: 2026-04-17 00:01:29
url:
https://www.americanbanker.com/payments/news/zelle-passes-1t-in-2024-with-a-boost-from-small-businesses


title: mastercard.com: Powering smarter and more personal advertising with mastercard commerce media
node_name: Payment Network Transaction Data Empire
created_at: 2026-04-17 00:01:29
url:
https://www.mastercard.com/global/en/news-and-trends/press/2025/october/powering-smarter-and-more-personal-advertising-with-mastercard-commerce-media.html


title: kansascityfed.org: Combating authorized push payment scams in fast payment systems
node_name: APP Fraud Irrevocability Brake
created_at: 2026-04-17 00:01:29
url:
https://www.kansascityfed.org/research/payments-system-research-briefings/combating-authorized-push-payment-scams-in-fast-payment-systems/


title: globenewswire.com: Payment Card Fraud Losses Approach 34 Billion
node_name: APP Fraud Irrevocability Brake
created_at: 2026-04-17 00:01:29
url:
https://www.globenewswire.com/news-release/2025/01/06/3004931/0/en/Payment-Card-Fraud-Losses-Approach-34-Billion.html


title: oliverwyman.com: Why section 1033 matters future financial data
node_name: US Section 1033 Open Banking Standoff
created_at: 2026-04-17 00:01:29
url:
https://www.oliverwyman.com/our-expertise/insights/2025/feb/why-section-1033-matters-future-financial-data.html


title: paymentexpert.com: Brazils race to standardise pix parcelado for further instant payment growth
node_name: PIX Parcelado Credit-on-Rails Attack
created_at: 2026-04-17 00:01:29
url:
https://paymentexpert.com/2025/10/07/brazils-race-to-standardise-pix-parcelado-for-further-instant-payment-growth/


title: pymnts.com: Brazils pix to start enabling installment payments in september
node_name: PIX Parcelado Credit-on-Rails Attack
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/real-time-payments/2025/brazils-pix-to-start-enabling-installment-payments-in-september/


node_name: Stripe Adyen Payment Orchestration Layer
created_at: 2026-04-17 00:01:29
url:
https://www.scalevp.com/insights/what-comes-after-adyen-and-stripe-the-future-of-payments-orchestration-and-optimization/

title:
scalevp.com: What comes after adyen and stripe the future of payments orchestration and optimization


title: mas.gov.sg: Project nexus completes comprehensive blueprint for connecting domestic ipses globally
node_name: Project Nexus BIS Cross-Border Rail Network
created_at: 2026-04-17 00:01:29
url:
https://www.mas.gov.sg/news/media-releases/2024/project-nexus-completes-comprehensive-blueprint-for-connecting-domestic-ipses-globally


title: paymentsdive.com: 751607
node_name: DOJ v. Visa Debit Exclusionary Conduct
created_at: 2026-04-17 00:01:29
url:
https://www.paymentsdive.com/news/visa-loses-bid-to-toss-us-debit-lawsuit-DOJ-antitrust-payments-cards/751607/


title: mintz.com: 2024 09 30 two sides every monopolization suit doj sues visa debit
node_name: DOJ v. Visa Debit Exclusionary Conduct
created_at: 2026-04-17 00:01:29
url:
https://www.mintz.com/insights-center/viewpoints/2191/2024-09-30-two-sides-every-monopolization-suit-doj-sues-visa-debit


title: cnbc.com: Doj accuses visa of debit network monopoly that impacts price of nearly everything
node_name: DOJ v. Visa Debit Exclusionary Conduct
created_at: 2026-04-17 00:01:29
url:
https://www.cnbc.com/2024/09/24/doj-accuses-visa-of-debit-network-monopoly-that-impacts-price-of-nearly-everything.html


title: prodigaltech.com: Why bnpl is now the fastest growing delinquency problem in consumer lending
node_name: BNPL Phantom Debt Systemic Risk
created_at: 2026-04-17 00:01:29
url:
https://www.prodigaltech.com/blog/why-bnpl-is-now-the-fastest-growing-delinquency-problem-in-consumer-lending


title: business.bitso.com: Whats next for stablecoins what we learned at the mexico city 2025 conference
node_name: Stablecoin Remittance Corridor Disruption
created_at: 2026-04-17 00:01:29
url:
https://business.bitso.com/en/blog/whats-next-for-stablecoins-what-we-learned-at-the-mexico-city-2025-conference


title: cmspi.com: Ifr in review the success and limitations of europe s most important payments regulation
node_name: EU Interchange Suppression Precedent
created_at: 2026-04-17 00:01:29
url:
https://cmspi.com/eur/en/ifr-in-review-the-success-and-limitations-of-europe-s-most-important-payments-regulation/


title: copenhageneconomics.com: Copenhagen economics march ifr report
node_name: EU Interchange Suppression Precedent
created_at: 2026-04-17 00:01:29
url:
https://copenhageneconomics.com/wp-content/uploads/2021/12/copenhagen-economics_march_ifr-report.pdf


title: europeanbusinessmagazine.com: Europes pay by bank revolution the silent card killer 2
node_name: EU Interchange Suppression Precedent
created_at: 2026-04-17 00:01:29
url:
https://europeanbusinessmagazine.com/business/europes-pay-by-bank-revolution-the-silent-card-killer-2/


title: institutmontaigne.org: Indias digital public infrastructure success story world
node_name: India Stack DPI Export Model
created_at: 2026-04-17 00:01:29
url:
https://www.institutmontaigne.org/en/expressions/indias-digital-public-infrastructure-success-story-world


title: ajuniorvc.com: Dpi india stack upi aadhar ocen ondc aa explained case study fintech unicorn
node_name: India Stack DPI Export Model
created_at: 2026-04-17 00:01:29
url:
https://www.ajuniorvc.com/dpi-india-stack-upi-aadhar-ocen-ondc-aa-explained-case-study-fintech-unicorn


node_name: India Stack DPI Export Model
created_at: 2026-04-17 00:01:29
url:
https://www.ibef.org/news/unified-payments-interface-upi-goes-global-cross-border-transactions-grow-20-fold-in-a-year

title:
ibef.org: Unified payments interface upi goes global cross border transactions grow 20 fold in a year


title: coindesk.com: S and p downgrades tether s usdt citing falling bitcoin prices as risk
node_name: Tether USDT Offshore Shadow Dollar
created_at: 2026-04-17 00:01:29
url:
https://www.coindesk.com/policy/2025/11/26/s-and-p-downgrades-tether-s-usdt-citing-falling-bitcoin-prices-as-risk


title: thecoinrepublic.com: Tether launches usat and divides its 187b usdt empire for compliance
node_name: Tether USDT Offshore Shadow Dollar
created_at: 2026-04-17 00:01:29
url:
https://www.thecoinrepublic.com/2026/01/28/tether-launches-usat-and-divides-its-187b-usdt-empire-for-compliance/


title: pymnts.com: 58percent of us banks use both rtp and fednow for instant payments
node_name: FedNow RTP US Dual-Rail Fragmentation
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/real-time-payments/2025/58percent-of-us-banks-use-both-rtp-and-fednow-for-instant-payments


title: redcompasslabs.com: Fednow vs rtp can two real time payments systems coexist in the us market
node_name: FedNow RTP US Dual-Rail Fragmentation
created_at: 2026-04-17 00:01:29
url:
https://www.redcompasslabs.com/insights/fednow-vs-rtp-can-two-real-time-payments-systems-coexist-in-the-us-market/


title: fintechweekly.com: Visa direct unionpay international cross border payments china mainland
node_name: Visa Direct Mastercard Move Multi-Rail Pivot
created_at: 2026-04-17 00:01:29
url:
https://www.fintechweekly.com/news/visa-direct-unionpay-international-cross-border-payments-china-mainland


node_name: Digital Euro Monetary Sovereignty Defense
created_at: 2026-04-17 00:01:29
url:
https://www.atlanticcouncil.org/blogs/econographics/central-bank-digital-currencies-versus-stablecoins-divergent-eu-and-us-perspectives/

title:
atlanticcouncil.org: Central bank digital currencies versus stablecoins divergent eu and us perspectives


node_name: Stablecoin Sanctions Evasion Paradox
created_at: 2026-04-17 00:01:29
url:
https://www.coindesk.com/policy/2026/03/03/international-financial-watchdog-warns-stablecoins-are-increasingly-used-in-sanctions-evasion-and-money-laundering

title:
coindesk.com: International financial watchdog warns stablecoins are increasingly used in sanctions evasion and money laundering


node_name: Stablecoin Sanctions Evasion Paradox
created_at: 2026-04-17 00:01:29
url:
https://www.federalregister.gov/documents/2026/04/10/2026-06963/permitted-payment-stablecoin-issuer-anti-money-launderingcountering-the-financing-of-terrorism

title:
federalregister.gov: Permitted payment stablecoin issuer anti money launderingcountering the financing of terrorism


title: thefinancialbrand.com: Walmart revs up instant pay by bank to cut out mastercard and visa 181871
node_name: Mega-Merchant Pay-by-Bank Defection
created_at: 2026-04-17 00:01:29
url:
https://thefinancialbrand.com/news/payments-trends/walmart-revs-up-instant-pay-by-bank-to-cut-out-mastercard-and-visa-181871


title: blogs.law.ox.ac.uk: Europes mica moment racing against time stablecoin wars
node_name: MiCA vs GENIUS Stablecoin Regulatory War
created_at: 2026-04-17 00:01:29
url:
https://blogs.law.ox.ac.uk/oblb/blog-post/2025/11/europes-mica-moment-racing-against-time-stablecoin-wars


node_name: MiCA vs GENIUS Stablecoin Regulatory War
created_at: 2026-04-17 00:01:29
url:
https://vaultody.com/blog/296-what-mica-means-for-tether-usdt-delistings-custody-and-the-future-of-stablecoins-in-the-eea

title:
vaultody.com: 296 what mica means for tether usdt delistings custody and the future of stablecoins in the eea


node_name: APP Fraud Irrevocability Trap
created_at: 2026-04-17 00:01:29
url:
https://www.psr.org.uk/news-and-updates/thought-pieces/thought-pieces/the-story-so-far-a-snapshot-of-what-we-ve-seen-since-our-app-scams-reimbursement-requirement-went-live/

title:
psr.org.uk: The story so far a snapshot of what we ve seen since our app scams reimbursement requirement went live


title: ainvest.com: Western union explores stablecoins faster global remittances 6 revenue decline 2507
node_name: Remittance Corridor Stablecoin Disruption
created_at: 2026-04-17 00:01:29
url:
https://www.ainvest.com/news/western-union-explores-stablecoins-faster-global-remittances-6-revenue-decline-2507/


title: pymnts.com: Stripe reaches record valuation global volume hits 2 trillion dollars
node_name: Stripe Bridge Stablecoin Financial OS
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/news/fintech-investments/2026/stripe-reaches-record-valuation-global-volume-hits-2-trillion-dollars/


title: bostonfed.org: FedNow and faster payments in the US charlie kahn
node_name: FedNow Voluntary Adoption Gap
created_at: 2026-04-17 00:01:29
url:
https://www.bostonfed.org/-/media/Documents/events/2024/future-of-finance/papers/FedNow_and_faster_payments_in_the_US_charlie_kahn.pdf


title: europeanpaymentscouncil.eu: Sepa instant credit transfer rulebook
node_name: SEPA Instant Mandatory Payment Infrastructure
created_at: 2026-04-17 00:01:29
url:
https://www.europeanpaymentscouncil.eu/what-we-do/epc-payment-schemes/sepa-instant-credit-transfer/sepa-instant-credit-transfer-rulebook


title: euronews.com: How close is the eu to break free from visa and mastercards grip
node_name: SEPA Instant Mandatory Payment Infrastructure
created_at: 2026-04-17 00:01:29
url:
https://www.euronews.com/my-europe/2026/03/03/how-close-is-the-eu-to-break-free-from-visa-and-mastercards-grip


title: cer.econ.columbia.edu: Digitalizing dominance how genius act reinforces us dollar hegemony
node_name: Dollar Digital Exorbitant Privilege
created_at: 2026-04-17 00:01:29
url:
https://cer.econ.columbia.edu/news/digitalizing-dominance-how-genius-act-reinforces-us-dollar-hegemony


node_name: Dollar Digital Exorbitant Privilege
created_at: 2026-04-17 00:01:29
url:
https://www.cryptbull.net/2026/04/16/bitcoin-policy-institute-maps-out-strategy-for-us-stablecoin-supremacy-across-5-policy-areas/

title:
cryptbull.net: Bitcoin policy institute maps out strategy for us stablecoin supremacy across 5 policy areas


node_name: Payment Acquiring Stack War
created_at: 2026-04-17 00:01:29
url:
https://techstartups.com/2025/04/17/global-payments-to-acquire-worldpay-in-22-7b-deal-to-rival-stripe-paypal-and-adyen/

title:
techstartups.com: Global payments to acquire worldpay in 22 7b deal to rival stripe paypal and adyen


title: pymnts.com: 58percent of us banks use both rtp and fednow for instant payments
node_name: US Dual Instant Payment Rail Fragmentation
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/real-time-payments/2025/58percent-of-us-banks-use-both-rtp-and-fednow-for-instant-payments/


title: cryptoslate.com: Stablecoins infiltrate deeper into global finance as western union enters crypto
node_name: Legacy Remittance Operator Stablecoin Pivot
created_at: 2026-04-17 00:01:29
url:
https://cryptoslate.com/stablecoins-infiltrate-deeper-into-global-finance-as-western-union-enters-crypto/


node_name: Programmable Money Trade Finance Kill
created_at: 2026-04-17 00:01:29
url:
https://medium.com/@adnanmasood/programmable-money-smart-contracts-and-stablecoins-a-leadership-guide-for-banking-finance-ec0791847977

title:
medium.com: Programmable money smart contracts and stablecoins a leadership guide for banking finance ec0791847977


title: psr.org.uk: Ps25 5 app scams reimbursement consolidated policy statement may 2025
node_name: APP Fraud Real-Time Rail Tax
created_at: 2026-04-17 00:01:29
url:
https://www.psr.org.uk/media/rhelv4op/ps25-5-app-scams-reimbursement-consolidated-policy-statement-may-2025.pdf


title: aoshearman.com: The uks authorised push payment app fraud reimbursement scheme
node_name: APP Fraud Real-Time Rail Tax
created_at: 2026-04-17 00:01:29
url:
https://www.aoshearman.com/en/insights/ao-shearman-on-fintech-and-digital-assets/the-uks-authorised-push-payment-app-fraud-reimbursement-scheme


title: americanbanker.com: Visa mastercard and paypal report earnings amid tariff battle
node_name: Trade War Payment Corridor Restructuring
created_at: 2026-04-17 00:01:29
url:
https://www.americanbanker.com/payments/news/visa-mastercard-and-paypal-report-earnings-amid-tariff-battle


title: tradingkey.com: 261638379 paypal merger stripe ai agent stablecoin analysis tradingkey
node_name: PayPal PYUSD Closed-Loop Stablecoin Network
created_at: 2026-04-17 00:01:29
url:
https://www.tradingkey.com/analysis/stocks/us-stocks/261638379-paypal-merger-stripe-ai-agent-stablecoin-analysis-tradingkey


title: pymnts.com: Real time payments reach a turning point in north america
node_name: FedNow RTP Interoperability Failure
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/real-time-payments/2026/real-time-payments-reach-a-turning-point-in-north-america/


node_name: Ripple XRP Nostro Capital Liberation
created_at: 2026-04-17 00:01:29
url:
https://247wallst.com/investing/2026/04/10/xrp-news-ripples-japanese-bank-pilots-just-showed-60-cost-savings-using-xrp-over-swift/

title:
247wallst.com: Xrp news ripples japanese bank pilots just showed 60 cost savings using xrp over swift


node_name: Ripple XRP Nostro Capital Liberation
created_at: 2026-04-17 00:01:29
url:
https://www.financialplanningassociation.org/learning/publications/journal/SEP25-how-ripple-xrp-building-bridge-future-cross-border-transactions-open

title:
financialplanningassociation.org: SEP25 how ripple xrp building bridge future cross border transactions open


title: cnbc.com: Stripe closes 1point1 billion bridge deal prepares for stablecoin push
node_name: Stripe Bridge Open Stablecoin Issuance
created_at: 2026-04-17 00:01:29
url:
https://www.cnbc.com/2025/02/04/stripe-closes-1point1-billion-bridge-deal-prepares-for-stablecoin-push-.html


title: fortune.com: Stripe crypto stablecoins open issuance bridge blockchain tempo
node_name: Stripe Bridge Open Stablecoin Issuance
created_at: 2026-04-17 00:01:29
url:
https://fortune.com/crypto/2025/10/01/stripe-crypto-stablecoins-open-issuance-bridge-blockchain-tempo/


title: financemagnates.com: Us banking regulator clears stripe owned bridge for national trust bank
node_name: Stripe Bridge Open Stablecoin Issuance
created_at: 2026-04-17 00:01:29
url:
https://www.financemagnates.com/fintech/payments/us-banking-regulator-clears-stripe-owned-bridge-for-national-trust-bank/


node_name: Stripe Bridge Open Stablecoin Issuance
created_at: 2026-04-17 00:01:29
url:
https://a16z.com/newsletter/what-stripes-acquisition-of-bridge-means-for-fintech-and-stablecoins-april-2025-fintech-newsletter/

title:
a16z.com: What stripes acquisition of bridge means for fintech and stablecoins april 2025 fintech newsletter


title: pymnts.com: Wise says new partnerships drive 24percent rise cross border volume
node_name: Wise Local-Currency Netting Model
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/earnings/2025/wise-says-new-partnerships-drive-24percent-rise-cross-border-volume


title: bearingpoint.com: Will the digital euro ensure european sovereignty in payments
node_name: EU Payment Sovereignty Geopolitical Imperative
created_at: 2026-04-17 00:01:29
url:
https://www.bearingpoint.com/en-fi/insights-events/blog/will-the-digital-euro-ensure-european-sovereignty-in-payments/


title: mastercard.com: Ai is helping banks save millions by transforming payment fraud prevention
node_name: V/MC AI Fraud Detection Moat
created_at: 2026-04-17 00:01:29
url:
https://www.mastercard.com/global/en/news-and-trends/Insights/2026/ai-is-helping-banks-save-millions-by-transforming-payment-fraud-prevention.html


title: investor.visa.com: Default
node_name: V/MC AI Fraud Detection Moat
created_at: 2026-04-17 00:01:29
url:
https://investor.visa.com/news/news-details/2024/Visa-Announces-Generative-AI-Powered-Fraud-Solution-to-Combat-Account-Attacks/default.aspx


title: ir.westernunion.com: Default
node_name: Western Union USDPT Stablecoin Capitulation
created_at: 2026-04-17 00:01:29
url:
https://ir.westernunion.com/news/archived-press-releases/press-release-details/2025/Western-Union-Announces-USDPT-Stablecoin-on-Solana-and-Digital-Asset-Network/default.aspx


node_name: BNPL Regulatory Convergence
created_at: 2026-04-17 00:01:29
url:
https://ubaltlawreview.com/2026/02/02/buy-now-pay-later-regulate-never-the-cfpbs-failed-attempt-to-govern-bnpl-lending/

title:
ubaltlawreview.com: Buy now pay later regulate never the cfpbs failed attempt to govern bnpl lending


title: coindesk.com: Jamie dimon says jpmorgan must move faster as tokenization reshapes finance
node_name: JPMorgan Kinexys First-Mover Advantage
created_at: 2026-04-17 00:01:29
url:
https://www.coindesk.com/markets/2026/04/06/jamie-dimon-says-jpmorgan-must-move-faster-as-tokenization-reshapes-finance


title: pymnts.com: Kinexys by j p morgan to integrate deposit token with canton blockchain
node_name: JPMorgan Kinexys First-Mover Advantage
created_at: 2026-04-17 00:01:29
url:
https://www.pymnts.com/blockchain/2026/kinexys-by-j-p-morgan-to-integrate-deposit-token-with-canton-blockchain/


