Welcome to the new edition of the Fintech Wrap Up! This week we explore how crypto could reshape Consumer-to-Business (C2B) payments, the business of stablecoins, and why money itself may need a reboot. We start with Ramp, which just raised $500 million to accelerate finance automation. AI is rapidly taking over repetitive back-office work—think expense reports and invoice processing—freeing humans to focus on strategy and decision-making. The message is clear: automation eats the busywork, not the brains. On the crypto side, custodial stablecoins remain the backbone of digital payments. Issuers like Circle and Paxos mint tokens backed 1:1 by fiat reserves—partly in cash for liquidity, partly in short-duration Treasuries for yield. Business models differ: Tether keeps all reserve income, USDC shares ~60% with partners, and Paxos’ USDG distributes nearly all yield to its network. The result is a growing ecosystem where stablecoins double as payment rails and yield generators. Looking at the bigger picture, stablecoins have evolved from niche crypto tools into mainstream financial infrastructure, with PayPal, JPMorgan, and even retailers exploring issuance. And as Luca Prosperi argues, the future of money lies in rewiring the stack—breaking today’s banking monolith into modular issuance, application, and infrastructure layers. Read the full edition: shorturl.at/CiXGx Thanks for reading Fintech Wrap Up—see you next time. #Fintech #payments #crypto