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Editor’s Pick 📌

What if funding found your business—before you even asked for it?

That’s the idea behind a new wave of embedded finance innovation, focused on removing the friction that’s held small businesses back for too long.

Liberis' new article outlines how:

• AI-driven predictions are replacing one-size-fits-all models, adapting to each business’s growth stage, revenue patterns, and seasonality 

• Starter Capital is helping entrepreneurs access initial funding—without needing a traditional credit history 

• Integrated revenue data from across sales channels (think Shopify, card terminals, and bank accounts) is leading to offer increases of up to 230% 

The real shift? Finance that reflects how small businesses actually operate in 2025—multi-channel, real-time, and constantly evolving. This isn’t about offering more loans—it’s about designing funding that fits.

👉 Explore the full breakdown

Industry Trends & Innovation 💡

STRATEGIC PARTNERSHIPS

Crypto.com Partners with Green Dot to Expand Digital Banking Access In US

Crypto.com’s partnership with Green Dot gives U.S. users enhanced banking features—interest-earning savings, cash-in/cash-out at over 95,000 locations, and easier fiat funding—filling real gaps for underbanked populations. For anyone navigating digital finance, these expanded tools can help manage cash and crypto more flexibly.

LENDING MARKET TRENDS

California's Loan Market Transforms with Digital Lending and Personalized Borrower Solutions

California's personal loan market in 2025 is shaped by rapid digital lending growth, tougher regulations, and regional disparities in access and rates. Borrowers benefit from AI-driven personalization and alternative credit models, but high interest and delinquency persist, especially in less affluent areas. Staying informed about digital options and shifting regulations helps Californians secure better loan terms.

DIGITAL PAYMENTS INTEGRATION

MoneyGram and Bitget Wallet Streamline Crypto Payments for Merchants and Consumers

MoneyGram’s new API, MoneyGram Ramps, and Bitget Wallet’s integration with Paydify are lowering barriers for merchants to accept crypto, facilitating faster cash-to-crypto transfers without banking hurdles. These moves matter because easy integration allows businesses and developers to reach mainstream digital currency acceptance.

FINANCIAL ACQUISITION

Advent International to Acquire TBI Bank From 4finance Holding S.A

Advent International, a major U.S. private equity investor, will acquire TBI Bank, a rapidly expanding digital bank active in Bulgaria, Romania, and Greece. With over 2.4 million customers and a net profit of EUR 50m in 2024, TBI’s growth offers practical insight into emerging regional financial trends. This acquisition is highly relevant to anyone tracking digital banking opportunities and private equity investment in South-East Europe.

BUSINESS EXPANSION

eToro Plans US IPO Launch as Early as Next Week

eToro is reportedly preparing to launch a US IPO as early as next week, signaling a major move in the fintech space. For investors and those in digital finance, this development presents a potential opportunity to assess a well-known trading platform’s public valuation and future growth. Staying alert to eToro’s IPO timing could offer actionable insights for portfolio decisions.