Welcome back to Not Fintech Investment Advice, where we spotlight new and exciting fintechs.

I’m Alex Johnson, creator of Fintech Takes, joined by Simon Taylor who’s gracing us stateside in Washington, DC.

It’s been a wild week—imagine the former FDIC chair on stage as news broke that the *current* FDIC chair, Marty Gruenberg, had resigned, all in a room packed with regulators and sponsor banks…and the two of us. Talk about a vibe shift.

Big shoutout to the American Fintech Council for putting on a wonderful event.

First up, Paydock is flipping the script on merchant acquiring—think "bank direct," but for acquiring, not issuing. They’re upgrading bank tech without the messy, painful internal overhaul. This way, banks can woo new customers with modern features they couldn’t offer before while staying price-competitive.

Next, Bluespine is automating self-insurance for large employers with an AI-powered platform tailored to each company's plan. Self-insurance works for big companies, but being the insurer is costly. A recent Money 20/20 report highlights a clash: AI companies pushing for productivity gains VS others focus on cutting costs. How these forces play out will be key.

Then, Astrada is reimagining embedded finance with “bring your own card” (BYOC) as a service, allowing platforms to offer financial perks without issuing cards. Given that Navan’s BYOC pivot unlocked partnerships with Citibank and Brex, and Visa and Mastercard are adapting, too, this trend raises a key question: Will Ramp stick to their proprietary system, or will BYOC become the new norm?

And lastly, Rise is using stablecoins to solve the nightmare of paying global contractors. Could this decentralized approach be the future of seamless cross-border payments? Let's dive in and find out.

Plus, we dive into the future of fintech innovation, from building regulatory visibility to exploring how a "call report" for fintechs could reshape market transparency and regulatory oversight.

00:03:28 - Paydock

00:14:35 - Bluespine

00:25:18 - Astrada

00:37:59 - Rise

00:50:38 - Manifesting Fintech Ideas

Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/

And for more exclusive insider content, don’t forget to check out my YouTube page.

Follow Simon:

LinkedIn: https://www.linkedin.com/in/sytaylor/

Substack: https://sytaylor.substack.com

Follow Alex:

YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos

LinkedIn: https://www.linkedin.com/in/alexhjohnson

Twitter: https://www.twitter.com/AlexH_Johnson

Companies featured:

https://paydock.com/

https://www.bluespine.io/

https://astrada.co/

https://www.riseworks.io/

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