Treasury Prime

The bar for digital banking keeps getting higher, regardless of banking’s digital readiness. That's how #EmbeddedBanking can help. It gives financial institutions the tools to deliver the seamless, modern experiences customers expect while building on the trust they've earned — without having to build a program from scratch. Hear more from Chris Dean on Advancements with Ted Danson.

Instant payments create new opportunities for customers and financial institutions alike — but only if banks can bring them to market efficiently. Embedded payments simplify adoption with modern infrastructure that supports faster onboarding, real-time connectivity and scalable growth. That means less time building from scratch and more time unlocking new payment rails, without sacrificing the experiences customers and partners expect. Swipe through to learn more. https://lnkd.in/gb3ightS

As stablecoin adoption accelerates, it's worth separating the hype from what's actually changing in payments. CEO Chris Dean is here to help you discern. In FinXTech, he weighs in on where stablecoins deliver the most value, why tokenized deposits will play a complementary role and what banks should prioritize as digital payments evolve. Read the full article from Anne Schultz:

Our CEO Chris Dean joined the American Fintech Council's CEO Roundtable in Chicago this week for a candid discussion on bank-fintech partnerships, the regulatory environment, and how the industry is approaching AI adoption. These conversations are essential to propelling our industry forward and ensuring secure innovation. Huge thank you to Avant, Winston Taylor, and the AFC team for the invite and for hosting. Phil Goldfeder and his team have a real talent for bringing the right people into the room!

Digital finance still has a cash access gap. Fintech adoption continues to grow, but many consumers still rely on cash as a primary financial tool. When digital accounts can’t easily accept cash, funding those experiences becomes more complicated than it should be. Embedded finance is starting to evolve around that reality. Solutions like Prime Cash help connect physical cash with digital accounts, allowing customers to deposit cash at thousands of retail locations and fund accounts in minutes without visiting a branch. That gives fintechs and banks a way to expand access, improve account experiences and deepen customer engagement without building physical infrastructure. Learn more at the link in our comments.

Growth is only sustainable when it's paired with control. In this segment from Advancements, our Chief Compliance Officer and General Counsel, Sheetal Parikh, explains how Treasury Prime embeds compliance directly into the infrastructure powering bank-fintech partnerships. The result is greater visibility into accounts and transactions, stronger controls, and the confidence to scale programs safely. Watch the full clip:

We're thrilled to partner with the Coalition for Financial Ecosystem Standards to build the uniform standards that make bank-fintech partnerships work, with greater confidence and transparency on all sides. Our friend and partner Sima Gandhi lays it out clearly: real adoption requires public-private sector collaboration, examiner training, and collective accountability across the ecosystem to facilitate healthy growth and innovation. Worth a read 👉 https://lnkd.in/en9ipFR3

Not every embedded finance program needs the same bank. A fintech launching consumer accounts demands a different set of capabilities than a platform expanding into payments or treasury services. Growth changes requirements. That's why bank networks are gaining tractions. Institutions can participate according to their strengths, and fintechs have more flexibility as their needs evolve — it's a win-win. More on what this unlocks at the link in our comments.

One community lending platform grew transaction volume 179× without changing banks, rebuilding rails or losing momentum. Growth like that requires infrastructure that evolves alongside the program. Our case study on this institution's growth explores how the community lending platform used a single infrastructure layer to scale its operations, while maintaining the flexibility to add bank partners as needs changed. Read the full case study to see how they built a long-term growth path that wasn't beholden to any one institution’s risk appetite or capacity. https://bit.ly/4fFOc3A

Mercury. Kraken. Ripple. Circle. A growing number of fintechs are pursuing their own bank charters, seeking direct access to payment rails, national scale and greater regulatory control. The trend reflects how much expectations around bank-fintech partnerships have changed. As sponsor bank relationships face greater scrutiny, fintechs operating within partnership models are being asked to demonstrate stronger operational discipline, cleaner data and more auditable controls. For the fintechs that remain in partnership models, those expectations are becoming a bigger part of how bank partnerships are evaluated and sustained.