Fintech Insider Podcast by 11:FS

975. News: Zopa join us to talk Biscuit - and are stablecoins the missing ingredient for SMEs?

Jun 30, 2025
Guest
Valentina Kristensen
Guest
Merva Ferrero
Guest
Conrad Ford
This week, Conrad Ford, Merva Ferrero, and Valentina Christensen spotlight Zopa's new current account 'Biscuit,' which offers competitive interest rates and cashback. They dive into Coinbase's stablecoin service and its potential to revolutionize SME payments. The conversation highlights the increasing importance of financial inclusion initiatives, especially in emerging markets. Plus, there's a lighthearted debate on the best biscuits to enjoy while navigating the fintech landscape!
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INSIGHT

Zopa's Biscuit Account Concept

  • Zopa's "Biscuit" current account offers 2% interest and cashback, aiming to combine value with ease of use.
  • The name reflects a simple, tasty, and very British metaphor for everyday financial value.
INSIGHT

Lending Enables Long-term Value

  • Zopa leverages its strong lending heritage to offer sustained value in current accounts unlike many newer digital banks.
  • Profitable lending enables Zopa to provide continuous customer rewards instead of one-time promotions.
INSIGHT

Stablecoins' Transformative Potential

  • Stablecoins, while currently niche, represent a profound infrastructure upgrade that can revolutionize global and institutional payments.
  • Mass adoption for SMEs may be premature, but emerging markets show promising use cases for stablecoin payments.
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