WikiPay Research

ANALYZING BLOCKCHAIN TRANSACTIONS TO UNDERSTAND AND ESTABLISH FACT PATTERNS | CORNERSTONE RESEARCH – JDSUPRA

This article describes blockchain, identifies Which wallets are most active, and gives recent examples of U.S. regulators’ push into digital asset enforcement.

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FEDERAL RESERVE ANNOUNCES “NOVEL ACTIVITES SUPERVISION PROGRAM” (CRYPTO, NEO-BANKS, DLT, BANKING-AS-A-SERVICE)

A short post announcing the US Federal Reserve’s plans to supervise crypto, neo-banks, banking-as-a-service, and other emerging areas more closely.

FEDERAL RESERVE ANNOUNCES “NOVEL ACTIVITES SUPERVISION PROGRAM” (CRYPTO, NEO-BANKS, DLT, BANKING-AS-A-SERVICE) Read More »

HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH

FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.

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THE FUTURE OF INDIA’S DIGITAL PAYMENT

In this publicly available report from Redseer Strategy Consulting, it is estimated that 85% of businesses in India will be digitally enabled by FY26. This means that a large majority of businesses in India will have embraced digital technologies and processes for their operations.

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A NEW PUSH FOR PUSH PAYMENTS

This white paper by Mastercard explains that as real-time payments increase globally, Card-based push payments (push-to-card) enable participants to send funds directly to consumers and small businesses via their payment card accounts. Receipt of funds via a payment card, typically a debit card linked to a deposit account, makes for a seamless consumer experience,

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