# Brainfood — Weekly AI, Payments & Banking Newsletter

> The #1 weekly fintech newsletter read by 48,000+ professionals. Expert analysis on AI in finance, stablecoins, payments innovation, and the future of money. Free.

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## Posts
- [🧠 Erebor’s $7bn growth problem](https://www.fintechbrainfood.com/p/erebor-growth): Deposits are the easy part. Plus Rain’s bank charter bid, the race to let AI agents in, and an exclusive on OnePay inside ChatGPT.
- [🧠 When everyone can build a bank. Who runs it?](https://www.fintechbrainfood.com/p/whop-neobanks): Stablecoins make the launch easier. Someone still has to answer for the money.
- [🎧 Exclusive Interview: Nubank’s Founder and CEO on taking Nu global](https://www.fintechbrainfood.com/p/nubank-david-velez-us-launch-nu-global): Live at Nu Stadium, the day after the US launch. David Vélez on US banking, stablecoins, and building an AI-powered bank.
- [🧠 Fintech Brainfood is now Brainfood](https://www.fintechbrainfood.com/p/fintech-brainfood-is-brainfood): It felt dishonest to make that argument and keep the word in the masthead. Here's what it means. 
- [🧠 Visa, Mastercard & Stripe's stablecoin is here](https://www.fintechbrainfood.com/p/ousd-launch): Plus: Stripe’s Parafin deal, Robinhood’s trading agents, and Airwallex’s agentic business accounts.
- [🧠 Fintech is Dead](https://www.fintechbrainfood.com/p/fintech-is-dead): Cloud and mobile are no longer the driving forces of disruption in financial services. Intelligence tokens and value tokens are.
- [🧠 Agent Wars: The agentic bank run?](https://www.fintechbrainfood.com/p/agentic-bank-run): Your deposits can stay put while your customer's next financial decision goes somewhere else.
- [🧠 Nubank in talks to acquire Monzo](https://www.fintechbrainfood.com/p/nubank-monzo): Kalshi's alleged "wash trading," three new conditional bank charters. Plus SoFi’s $25bn stablecoin move.
- [🧠 Agent Wars: Amazon vs Muse](https://www.fintechbrainfood.com/p/agent-wars): Amazon blocked Meta's agent. This is a fight over who owns the customer, how agents prove who they are, and who gets paid.
- [🧠 Mercury wants to replace QuickBooks](https://www.fintechbrainfood.com/p/mercury-books): Plus the SEC’s five-year tokenized-stock exemption, Ramp’s UK launch, Monzo Aura and reusable bank ID.
- [🧠 SWIFT got Swift.](https://www.fintechbrainfood.com/p/swift-got-swift): Why banks are using tokenized deposits to move money on weekends—and where stablecoins still win.
- [🧠 Nubank takes on America | Meta wants your wallet](https://www.fintechbrainfood.com/p/nubank-america): Plus: Nu goes global with stablecoins, Chime’s $590m bank deal, Ramp’s rumored $60bn valuation, and $125m to split your rent.
- [🧠 Not all bank charters are created equal](https://www.fintechbrainfood.com/p/not-all-charters): Full bank, industrial bank, trust bank. What each one buys, what it costs the parent, and why none of them comes with a Fed account.
- [🧠 2 New Bank Charters in 24 Hours](https://www.fintechbrainfood.com/p/2-new-charters): OpenReserve and Revolut are very different animals. TabaPay is buying a bank, and Félix raised $200m to build around WhatsApp.
- [🧠 Instinct Made the Consumer Agent Feel Real](https://www.fintechbrainfood.com/p/instinct-consumer-agent): The consumer agent just started to feel real. Most businesses are not ready.
- [🧠 Kalshi loses in the Ninth Circuit](https://www.fintechbrainfood.com/p/paypal-53bn): Stripe and Advent walk away from PayPal. Revolut hits 80m customers, and Socure grows into its 2021 valuation.
- [🧠 AI Created New Customer Problems](https://www.fintechbrainfood.com/p/ai-customer-problems): Solving them is where the next generation of finance products are forming. Token spend, agent identity, and model routing barely existed before AI. 
- [🧠 Stripe is buying the AI economy](https://www.fintechbrainfood.com/p/stripe-buying-ai): The 7bn OpenRouter deal puts Stripe on both sides of the AI P&L.
- [🧠 Nvidia is the Fannie Mae for Compute](https://www.fintechbrainfood.com/p/nvidia-is-the-fannie-mae): AI can be real, the GPUs can be full, and your 401k can still end up holding the paper.
- [🧠 Nvidia is the worlds largest fintech company](https://www.fintechbrainfood.com/p/nvidia-is-fintech): Goldman, BlackRock and KKR line up $500bn to securitize GPUs. Plus Adyen wins OpenAI and Figure posts a Rule of 150.
- [🧠 Prediction Markets are better markets*](https://www.fintechbrainfood.com/p/better-markets): *They're just worse at protecting the consumer than the sportsbooks they're competing with. And that's something we have to fix.
- [🧠 The FDIC wants a rulebook for bank fintech partnerships](https://www.fintechbrainfood.com/p/fintech-rulebook): Ten years after every company became a fintech company, the regulator may seed-fund the standards body. Plus Block runs Square on its own bank rails, Chime posts back-to-back profits, and Cloudflare gives AI agents a wallet.
- [🧠 Netting is all you need](https://www.fintechbrainfood.com/p/netting): 17 of America's biggest banks just put deposits onchain and skipped stablecoins. The reason is a 50-year-old trick, and stablecoins are about to steal it back
- [🧠 Prediction markets are massive. Now states are suing.](https://www.fintechbrainfood.com/p/robinhood-bets): Robinhood earns more from event contracts than stocks or crypto. New York wants Kalshi shut down. Plus Increase buys a bank, Dakota wants a charter, and X Money pays 6%.
- [🧠 Augustus, Wise and Erebor walk into the OCC](https://www.fintechbrainfood.com/p/augustus-wise-and-erebor): Two came out with a charter. One came out with a letter.