How Modern Issuer Processors Revolutionized Card Issuing

Serenity AI’s Payment News PPRO raises another €85m, bringing total funding to $462m The white-label local payments provider has now raised nearly half a billion dollars, serving top-tier clients like Stripe. https://lnkd.in/ex3ffquh

While everyone’s buzzing about Stripe and OpenAI’s agentic commerce bringing AI-powered checkout to traditional payments, something much bigger quietly happened at TOKEN2049 Singapore 2025 that you wish you’d known earlier.   Early this month, I witnessed Bam Azizi from Mesh demo an autonomous, crypto-native payment agent. He went from product search to checkout entirely on-chain. No credit cards. No banks. No manual wallet fiddling. Yes, you heard that right!   Here’s why this matters: 1. Agent Explosion: Today, there are already 100K+ AI agents handling tasks across finance, healthcare, and retail. That number is set to hit 1M+ by 2026. Traditional payment rails simply can’t scale for autonomous agents.   2. Digital Identity Solved: Mesh Link SDK unifies identity verification, multi-factor auth, and gasless wallet onboarding into one seamless flow. No more “paste your address” nightmares.   3. Self-Custody + Swarm Coordination: Imagine hundreds of agents coordinating budgets, splitting payments, and managing on-chain assets in real time. Mesh gives each agent a programmable, secure wallet and the protocol mandates to transact autonomously. 4. Future-Proofed Finance: Legacy systems buckle under the weight of agentic commerce. Mesh’s pure-crypto rails, integrated with 300+ exchanges, mean instant settlement, near-zero fees, and unlimited global reach.   Curious how Mesh’s approach differs from Stripe’s under the hood? Leave a comment and I’ll break down the protocols powering each system.   Meanwhile, check out the demo I witnessed (credits to TOKEN2049): [Link in the Pinned Comment]

💳 Stripe redefines payment infrastructure for stablecoins and AI agents Stripe announced 40+ product launches at Tour New York September 2025, establishing foundational infrastructure for AI-driven commerce and custom stablecoins. With stablecoin supply growing 57% annually and AI agents becoming transactional intermediaries, traditional payment processors face immediate architectural choices. The announcements reveal a fundamental shift: financial infrastructure providers now compete on interoperability and openness rather than proprietary lock-in. Key developments reshaping payment strategy: ▪️ Open Issuance enables businesses to launch custom stablecoins in days through Bridge infrastructure, with full interoperability between coins and low-cost conversions via Bridge's orchestration API ▪️ Agentic Commerce Protocol (ACP) establishes shared language between merchants and AI agents, powering ChatGPT Instant Checkout while allowing merchants to adopt the standard independent of Stripe payment processing 💰 ▪️ Stripe Radar now blocks up to 62% of trial fraud at source by detecting friendly fraud patterns like sequential free trial abuse, protecting AI company margins without adding friction ▪️ Geographic expansion delivers Stripe Tax in 102 countries, iOS app-to-web flows delivering up to 90% payment cost savings, and Adaptive Pricing for 150 markets without additional fees ▪️ Stripe Reader S710 enables cellular-based in-person payments without Wi-Fi, ensuring payment processing at retail regardless of internet availability Businesses maintaining single-rail payment models risk competitive disadvantage against providers offering cross-rail interoperability and agent-native transaction primitives. Financial leaders navigating these shifts can benchmark strategies and connect with peers at the Global SME Banking Forum Vienna on November 28, where the TOP20 banks are recognized across digital banking and payments innovation categories. 👉 Read the full article here: https://lnkd.in/e4Qu3_x8 Global SME Banking Forum 2025: https://lnkd.in/e_ExTSKd #StablecoinPayments #AgenticCommerce #FinTechInnovation #DigitalPayments #PaymentInfrastructure #FinancialServices #AIinFinance #FinTechNews #BusinessBanking #PaymentProcessing #Stripe #Stablecoin

AEON: The Intelligent Future of Global Payments Infrastructure The global economy is evolving faster than ever — but payments, the lifeblood of trade and innovation, still remain fragmented, slow, and expensive. Amid this disconnect, AEON emerges not just as another crypto project, but as an intelligent infrastructure layer — designed to bridge the gap between digital assets and the real world. AEON isn’t chasing hype. It’s building the invisible rails of the next financial era. --- The Intelligence Layer for the Global Economy What separates AEON from traditional payment systems and other Web3 solutions is its ability to merge AI-driven intelligence with decentralized finance architecture. This means AEON doesn’t just move assets — it understands context. Payments are no longer blind transfers. They’re adaptive, data-aware, and globally compliant. Through AI optimization, AEON enhances routing efficiency, minimizes latency, and ensures that every transaction is secure, verified, and instant — no matter the blockchain it originates from. --- Interoperability Without Boundaries The modern financial world isn’t one chain — it’s a network of networks. AEON’s vision embraces this truth by building a chain-agnostic framework that connects ecosystems like XDC Network, Linea, KILT, and Fastex, bringing over 20 million merchants into a single, interoperable environment. Through this model, AEON effectively becomes the unifying layer that turns fragmented digital ecosystems into one cohesive global economy — where USDT, BTC, or MYX are all as spendable as fiat. It’s interoperability redefined — not by code alone, but by real-world usability. --- The Rise of Predictive Payments As AI reshapes industries, AEON integrates intelligence at the payment core. Its systems are designed to learn from user behavior, predict transaction intent, and automate recurring financial actions — creating a future where payments are proactive, not reactive. A Merchant Network at Global Scale AEON’s partnerships enable its users to tap into a global merchant network exceeding 20 million points of acceptance. From e-commerce to hospitality, travel, and entertainment, AEON converts digital assets into instant, seamless, borderless payments. --- Building the Future of Economic Intelligence The long-term vision for AEON extends beyond payments. It’s about creating a smart financial fabric where businesses, governments, and individuals interact with money that’s programmable, interoperable, and self-optimizing. AEON: The Infrastructure of Tomorrow’s Economy In a world that rewards speed, trust, and intelligence, AEON embodies all three. It’s not a product. It’s a foundation — one that’s redefining how people, platforms, and protocols move value globally. AEON’s ecosystem is more than technology — it’s a movement toward a smarter, borderless financial world.

🚀 Revolut 2025: Engineering the Future of Global Finance Case Study How Revolut Builds Scalable, Intelligent, and Global Products Revolut is not just launching features. It’s building a financial operating system. Let’s go behind the scenes of its most ambitious 2025 products and explore the tech stack, APIs, and payloads powering them. 🏡 Digital Mortgages: Instant Lending via API Tech Stack: Microservices on Google Cloud, Open Banking APIs, Smart Contracts , #API Payload Example: POST /mortgage/offer {  "applicant": {    "name": "Jane Doe",    "income": 85000,    "creditscore": 720  },  "property": {    "value": 320000,    "location": "Dublin, Ireland"  },  "loanamount": 250000,  "term_years": 25 } Response: {  "approvalstatus": "pre-approved",  "interestrate": 3.2,  "monthlypayment": 1180,  "finaloffer_eta": "1 business day" } 🎁 RevPoints Loyalty Program: Smart Rewards Engine, Backend: Event-driven microservices, Kotlin coroutines, PostgreSQL event store, API Payload Example: POST /revpoints/redeem {  "userid": "rev12345",  "points": 1200,  "rewardtype": "travel",  "partner": "AirFrance" } Response: {  "status": "success",  "reward": "€50 flight voucher",  "expires": "2025-12-31" } 📶 eSIM Integration: Telecom Meets Fintech Implementation: Embedded telco via 1GLOBAL, GSMA-compliant provisioning, API Payload Example: POST /esim/activate {  "userid": "rev56789",  "region": "Europe",  "plan": "5GB",  "deviceid": "iPhone15Pro" } `` Response: {  "status": "activated",  "coverage": "EU-wide",  "expiry": "2025-11-30" } 🤖 AI Financial Assistant: Your Personal CFO\ ML Stack: Google Cloud, Gemini AI models, NLP, behavioral modeling\ API Payload Example: POST /ai-assistant/query {  "user_id": "rev78901",  "query": "Can I afford a €1200 vacation next month?" } `` Response: {  "advice": "Yes, based on your current savings and forecasted expenses, you can afford this trip.",  "suggestedbudgetadjustments": ["Reduce dining out by €100"] } 🏧 Smart ATMs with Facial Recognition Tech Stack: Edge AI, cloud orchestration, QR-based login, Authentication Flow: POST /atm/authenticate {  "faceid": "revface001",  "sessiontoken": "xyz123",  "action": "withdraw",  "amount": 100 } Response: {  "status": "approved",  "cash_dispensed": 100,  "receipt": "sent to app" } `` 🌍 Global Impact Revolut’s API-first approach enables rapid localization across 35+ markets, unified experience across mobile, web, and ATM, and #scalable infrastructure for 100M+ users. 💬 Which #API or feature excites you most? Let’s talk #tech, traction, and transformation. #Revolut #Fintech #APIs #AI #DigitalBanking #RevPoints #eSIM #Mortgages #FacialRecognition #TechCaseStudy #OpenBanking #CloudNative #GoogleCloud #ProductEngineering #Innovation #GlobalFinance #FutureOfBanking #DigitalTransformation #CX #FinancialWellness #CaseStudy #SystemDesign #LLM #ML #AI

This Week in Fintech. This week marked a quiet turning point in fintech: Adyen became the first processor to plug directly into SAP’s Open Payment Framework — a signal to enterprise buyers that payments infrastructure is moving into core ERP stacks. In parallel, Stripe extended stablecoin settlement and agentic checkout logic, making programmable routing less of a concept pitch and more of a market reality. Why it matters: capital and control are shifting away from front-end UX battles and toward orchestration, data rights, and compliance-aware settlement rails. That’s where pricing power and valuation premiums are forming — and this week’s venture dollars and regulatory positioning both reflect that trend. In this issue we cover: The infrastructure-weighted venture rounds that matter — and why infra deals are being priced differently Washington Watch: the next CFPB 1033 trigger date likely to shape underwriting APIs Deal flow snapshot: $1.2B flowing into infrastructure rails vs. $400M into consumer apps this week alone The full commentary — including “The Infrastructure Wars” — is inside This Week in Fintech. And if you track capital allocation, valuation logic, or deal modeling, Private Capital Digest is the premium layer built for that lens.

We've spent 15 years training our systems to block bot-like behavior. Now your best customer might be an AI agent, and we need to build systems that can trust them. That line from Todd Fox at Visa during the DC Fintech Week captured the entire paradigm shift. We're at a weird inflection point in fintech. The AI agents we're designing aren't just faster versions of humans; they're becoming economic actors in their own right. Your AI assistant negotiating prices, moving money between accounts overnight, or autonomously managing your subscriptions isn't sci-fi. It's happening. Which raises the uncomfortable product question: Are we building for humans, or for the AI agents that serve them? Three trends that are forcing us to rethink everything: 1. 𝐓𝐫𝐮𝐬𝐭 𝐚𝐧𝐝 𝐝𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐧𝐞𝐰 𝐛𝐚𝐭𝐭𝐥𝐞𝐠𝐫𝐨𝐮𝐧𝐝 Travis Hill from the FDIC and Elisa De Anda Madrazo from FATF both hit the same theme: as fintech unbundles traditional banking, the very definition of a "bank" is up for debate and trust is the limiting factor for growth, not technology or speed. Product leaders face a dual challenge: compete on infrastructure and stability (not just features), while building guardrails into the foundation from day one. The winners will be those who architect trust at scale. 2. 𝐑𝐞𝐚𝐥-𝐭𝐢𝐦𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐬 𝐫𝐞𝐚𝐥-𝐭𝐢𝐦𝐞 𝐢𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 Adrienne Harris from NY DFS, surfaced something critical: as we move toward real-time payments and open finance, the entire stack needs to be rethought. It's not just about making payments faster, it's about building transparent, secure systems where data flows freely but safely. We need infrastructure that can handle instant settlement, open banking APIs, and seamless interoperability while maintaining security and privacy. 3. 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐫𝐞 𝐢𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞, 𝐚𝐧𝐝 𝐀𝐈 𝐢𝐬 𝐞𝐱𝐞𝐜𝐮𝐭𝐢𝐨𝐧 Intuit showed how every transaction is now a data point for understanding financial behavior, treating each payment as a signal to trigger personalized actions. Meanwhile, Mickey Iqbal from Amazon Web Services (AWS) demonstrated autonomous compliance systems already in production. We're not just making recommendations anymore. We're building systems that act. The shift from "assistant" to "operator" is happening faster than most teams are ready for. The throughline? We've stopped building products. We're building ecosystems that need to work for humans, AI agents, regulators, and infrastructure providers—all at once. The winners won't be those with the best features, but those who can architect trust and intelligence into systems that serve customers we haven't even imagined yet. What's the most disruptive shift you're seeing in how people interact with money? #Fintech #AI #ProductStrategy #FutureOfFinance #Payments #DCFintechWeek #Trends #ProductManagement

The L.E.K. Financial Services team, Aaron Byrne, Nitesh Singla, CFA, Tavishi Malaviya and I, had the privilege of attending the recent Stripe Tour 2025. The throughline was clear: the next chapter of payments + AI isn’t theoretical, it’s already landing. Stripe is operating several moves ahead and resetting expectations for how money moves, risks are managed, and experiences are built. A few standouts (full breakdown in the carousel): ·      Launch of Agentic commerce: Instant Checkout in ChatGPT, built with Stripe, shows the leap from demo to deployment. The open Agentic Commerce Protocol means build once, deploy across channels. ·      Open Issuance of Stablecoins: With Open Issuance (via Bridge), companies can launch their own stablecoins, similar to co-branded cards on Visa/Mastercard rails. Regulation is catching up fast in both the EU and U.S. ·      Risk, fraud, and orchestration as a service: AI-driven operations unify signals, automate retries, and reduce manual work. Smarter routing and networked wallets like Link are already lifting conversion and cutting leakage. ·      Direct web checkout for in-app purchases: External payment links route users to a secure web page, avoiding store commissions while matching conversion Why it matters: These shifts raise the baseline for the payments ecosystem by standardizing agentic checkout, expanding programmable settlement, and turning risk into modular services. Net: higher conversion, fewer manual touches, and faster global launches. Curious how these themes could reshape your business or your clients’? I’d love to connect and compare notes. #StripeTour #Fintech #Payments #AgenticCommerce #AI #Stablecoins #Risk #FraudPrevention #CrossBorderPayments #Infrastructure #FutureOfPayments

Optimized Payments Surpasses 30 Billion Transactions on Harmonize, Powering Advanced Analytics for Leading Enterprises Optimized Payments’ Harmonize solution has now processed over 30 billion transactions and, by harnessing sophisticated analytics, has saved customers nearly $2 billion in processing fees. ATLANTA, GA, UNITED STATES, October 13, 2025 / EINPresswire.com / — Since its debut, the Harmonize engine from Optimized Payments has been adopted by corporations and financial institutions aiming for deeper insights into their transaction workflows and reduced operational expenses. Through machine-learning models and live analytics at each phase of the payment process—from authorization and routing to reconciliation—Harmonize uncovers ways to lower interchange rates, maximize network efficiency, and remove concealed charges. Key achievements for Harmonize include: • Exceeding 30 billion transactions processed across card, ACH, and alternative payment methods • Delivering nearly $2 billion in total fee savings to merchants via intelligent routing and dynamic rate negotiation • Cutting average reconciliation times by 40 percent, enabling finance teams to finalize books more quickly and accurately • Maintaining 99.99 percent uptime to support high-volume, mission-critical operations “Surpassing 30 billion transactions and securing almost $2 billion in cost savings for customers is a milestone for our organization,” said Priya Mehta, CEO of Optimized Payments. “We designed Harmonize to provide complete transparency in payment costs and to give businesses of any scale the ability to make data-driven choices that enhance their profitability. It’s gratifying to witness our clients achieve immediate fee reductions and long-term efficiency gains.” Early adopters include industries from retail and travel booking to online gaming and subscription-based services. A global retailer, for instance, saw cross-border fees drop by 25 percent in three months thanks to Harmonize’s automated currency routing and dynamic network optimization. Looking forward, Optimized Payments intends to enrich the Harmonize offering with: – Advanced fraud-detection algorithms powered by pattern-recognition technology – New API integrations for emerging digital currencies and regional instant payment networks – A self-service analytics dashboard that lets nontechnical users model fee-savings scenarios About Optimized Payments Optimized Payments is a payments-technology provider committed to helping organizations cut costs, improve cash flow, and increase transparency within intricate transaction ecosystems. Its flagship Harmonize platform blends big-data analytics, machine learning, and real-time decisioning to revolutionize how businesses manage and optimize payment processes. For more details, visit www.optimizedpayments.com. Contact: Sarah Liu VP of Marketing, Optimized Payments sliu@optimizedpayments.com +1 404-555-7890 ### 📊 Mark...