The Front Page of Fintech

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The Front Page of Fintech

The largest fintech community in the world. Subscribe to our newsletter to stay up to date on the latest in news opinions, and all things financial technology.

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Trade Republic opens up private - TWIF UK & Europe (22/09)

The latest fintech news across the UK and Europe for week ending 21st of September, 2025.

Trade Republic opens up private - TWIF UK & Europe (22/09)
Photo by Minyeong Jeong / Unsplash

Hello TWIF UK & Europe friends,

Join us for the next London FinTech Breakfast: AI Edition. Your morning dose of coffee, connections, and cutting-edge ideas. Don’t miss out!

Please find another week of fintech news, financings and exits below.

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Funding πŸ’Έ

Highlights below of deals since the last post in the fintech space across the UK & Europe. Deal data powered by Dealroom.

πŸ‡ͺπŸ‡Ί Italian SME financial management solution Tot raised a pre-Series A round of €7m led by CDP Venture Capital.

πŸ‡ͺπŸ‡Ί Italian SMB fintech Aidexa raised a €12m round.

πŸ‡ͺπŸ‡Ί Fraud startup SEON raised an $80m Series C from Creandum, IVP, Hearst Ventures, Firebolt Ventures and Sixth Street Growth.

πŸ‡ͺπŸ‡Ί Financial platform for SMEs Seapoint raised a $3m round from Frontline Ventures.

πŸ‡ͺπŸ‡Ί Wealthtech Finary raised a €25m Series B from SpeedInvest, YC, LocalGlobe, and Hedosophia.

πŸ‡ͺπŸ‡Ί Lender Defacto raised a €16m round from Citi, Northzone, Global Founders Capital, Headline and more.

πŸ‡ͺπŸ‡Ί Insurtech Seyna raised a €10m round from Elaia Partners, White Star Capital and 115k.

πŸ‡¬πŸ‡§ BNPL provider Leanpay raised a Β£4.5m Series B.

πŸ‡¬πŸ‡§Bank data aggregator Spenditures raised a Β£2.1m Series A.

πŸ‡¬πŸ‡§Wealthtech Chip Financial raised a Β£6m round from Channel 4 Ventures.

🌍 Saudi embedded fintech Hala raised a $157m Series B.

🌍 Saudi open banking fintech Spare raised a $5m round.

🌍 Spend management solution Extend raised a $20m round.

🌍 Sales tax startup Nuneral raised a $35m Series B round.

Challenger Banking πŸš€

πŸ‡ͺπŸ‡Ί Neobroker Trade Republic is expanding its products into wealth management through partnerships with Apollo and EQT to invest in private markets.

πŸ‡¬πŸ‡§ Cross-border payment firm Wise signed Upworks as a customer.

πŸ‡¬πŸ‡§ HR and business software platform Rippling has secured an FCA authorisation as an Electronic Money Institution.

πŸ‡¬πŸ‡§ Revolut is reportedly working on building AI agents for its sales and customer service teams. It is also reported to be looking to raise funding at a $75bn valuation and is reporting a 46% increase in revenues.

πŸ‡¬πŸ‡§ UK fintech marketplace ClearScore tripled its profits to Β£18.8m for 2024.

πŸ‡¬πŸ‡§ Neobank Starling unveiled a new brand and identity, also formally dropping the "Bank" from its name.

🌍 Spend management solution Jeeves has launched stablecoin payments to cut cross-border costs for businesses.

🌍 Neobroker Robinhood is to provide its customers with access to private markets.

Digital Assets β‚Ώ

πŸ‡ͺπŸ‡Ί Santander's digital bank Openbank is rolling out crypto trading in Germany.

πŸ‡ͺπŸ‡Ί Deutsche Borse subsidiary AnchorNote announced an off-exchange settlement solution BridgePort.

πŸ‡¬πŸ‡§ The Bank of England has proposed a cap on the value of stablecoins individuals and companies can hold.

🌍 Digital asset trading firm QCP secured a digital asset licence in Abu Dhabi.

🌍 Crypto exchange Binance is to work with investment firm Franklin Templeton to develop digital asset products.

🌍 Blockchain-based lender Figure went public at $25 per share. Crypto exchange Gemini also IPO'd at $28 and raised over $400m at a $3bn+ valuation.

🌍 Stablecoin issuer Tether is launching a US stablecoin.

🌍 DBS, Franklin Templeton and Ripple are to work on merging tokenized collateral with stablecoins.

🌍 WisdomTree has launched a tokenized private credit fund.

🌍 Coinbase announced Base network is exploring issuing a native token. Coinbase also partnered with Google to bring stablecoin payments to AI apps and added USDC lending with Morpho.

🌍 Global cross-border payments provider MoneyGram launched a stablecoin-based app.

🌍 US exchange Nasdaq is seeking to tokenize US stocks and is asking for the SEC to bless its efforts.

Traditional Banking 🏦

πŸ‡¬πŸ‡§ Metro Bank has paid Β£24m to settle a software infringement case.

πŸ‡¬πŸ‡§ Lloyds Bank announced its customers had used PayPoint stores to deposit Β£1m in the first month of the service.

🌍 JP Morgan and Plaid have signed an extended data access agreement which will see the data aggregator pay for data after JP Morgan recently announced its decision to charge.

Fintech Infrastructure 🚧

πŸ‡ͺπŸ‡Ί Pay by Bank firm Trustly is partnering with card issuer Episode Six to enable US merchants to accept bank payments through card networks.

πŸ‡ͺπŸ‡Ί Open banking solution Tink signed mobile payment platform Vipps MobilePay as a customer for its Pay by Bank solution

πŸ‡¬πŸ‡§ Open banking platform TrueLayer has launched Verified Payments.

Payments πŸ’°

πŸ‡ͺπŸ‡Ί Klarna is set to provide Apple Pay users with BNPL loans at instore checkouts in US and UK.

πŸ‡ͺπŸ‡Ί Adyen signed luxury goods giant LVMH as a customer,

πŸ‡¬πŸ‡§ Payments firm Modulr reduced its annual losses to Β£11m for 2024 compared to Β£13.9m in 2023 as revenue increased moderately.

πŸ‡¬πŸ‡§Payments fintech Navro secured a Washington DC money transmitter licence.

πŸ‡¬πŸ‡§ Payments firm SumUp is seeking a $15bn valuation in its upcoming IPO.

🌍 Stripe has launched its lending business, Stripe Capital, in Australia.

🌍 Zelle operator Early Warning Services (EWS) is exploring stablecoin initiatives. It also hit 2 bn transactions in H1 2025. Zelle is also rolling out SMB tags to direct payments straight to eligible bank accounts without needing an email address or phone number.

🌍 Cross-border transfer solution Remitly introduced Remitly One, a financial membership option.

🌍 PayPal has introduced payment links for sending money and crypto. It is also seeking to drive revenue from its ad business with data.

🌍 Google unveiled a new agentic payment protocol AP2. It also signed a multi-year collaboration with PayPal on agentic shopping and frictionless commerce

🌍 Block announced it has reached 1 million customers for its Cash App debit card which has BNPL capabilities.


Longer reads/listens πŸ“œ


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See you next week!