Podcasts about banks

Crypto News: The Securities and Exchange Commission publishes crypto custody guide. Standard Chartered, Coinbase deepen alliance to build institutional crypto infrastructure. Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

In its efforts to trace how Jeffrey Epstein's finances may have enabled or obscured his sex-trafficking operations, the U.S. Virgin Islands government has issued subpoenas and pursued information from multiple major financial institutions believed to have handled Epstein's accounts or related entities. Court filings and investigative reporting show that banks such as JPMorgan Chase, Deutsche Bank, and Citibank were subpoenaed for records, transaction details, and internal communications about Epstein and the dozens of corporations, trusts, and nonprofit entities tied to him. These subpoenas aimed to uncover how his financial activities may have been facilitated or ignored by these institutions as part of the broader justice effort. Other financial entities reportedly included in subpoenas or scrutiny were Fidelity Investments, Charles Schwab, Bank Leumi, Wells Fargo, Northern Trust, and Silicon Valley Bank, reflecting the government's attempt to map the full extent of Epstein's banking relationships and financial flows.The most significant legal action has centered on JPMorgan Chase, which the USVI AG sued in federal court in New York in 2022, alleging that the bank “facilitated and concealed wire and cash transactions” that were part of Epstein's criminal enterprise and “financially benefitted” from his activities. JPMorgan ultimately agreed to pay $75 million to the USVI to settle those claims, acknowledging its past handling of Epstein's accounts but denying wrongdoing, while separate settlements with victims brought additional payouts tied to the bank's oversight failures.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

We dig into how AI changes the risk surface for banks and fintechs and why identity must be designed from the start. Sutton Maxwell of Curity shares how to set API guardrails, balance friction with trust, and choose hybrid architectures that meet regulation without killing speed.• What Curity does for API security and identity• Why AI pilots fail without early security design• Common mistakes when teams bolt on controls late• How to balance UX with risk‑based friction• US speed vs EU regulation on AI adoption• Hybrid, multi‑cloud, and cloud exit strategies• Practical advice for fintech founders on KYC, OAuth, OIDC• Turning compliance into a growth advantageTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

The ASX 200 started off the week down 62 points to 8635 (0.7%). Miners bore the brunt of the selling after a stellar week last week, with BHP down 2.9% and RIO falling 2.4% on lower iron ore and copper prices.  Gold miners too in profit taking mode after solid gains on Friday. GMD fell 5.4% and NEM off 0.9%. Lithium miners were also in profit taking mode as PLS fell 3.9% and LTR off 6.4%. Uranium stocks dropped hard as the AI trade in the US was called into question again, and thus the energy trade. NXG fell 4.5% and PDN down 4.7% with BOE off 8.2%. The banks were relatively calm as CBA fell 0.6% with the other three higher. The Big Bank Basket eased to $272.41 (-0.1%). Other financials eased, ASX under pressure following the ASIC reforms, GQG up 1.1% and SOL falling 1.2%. Insurers were generally better. Healthcare mixed as CSL stumbled 2.5% lower, TLX falling another 4.2%. REITs mixed, industrials mixed too. TLS down 0.8% and TPG up 1.8% with tech trying to find a base, WTC down 0.7% and XRO up 0.6%. The All-Tech Index up 0.04%. Retailers also found some bargain hunters, JBH up 2.3% and APE recovering 1.0%. In corporate news, TWE in a trading halt pending outlook statement. EOS jumped 28.9% on an US$80m order from South Korea. 4DX rose 9.9% on news of approvals in Canada. WGX announced plans to spin off non-core assets and FMG announced plans to buy the remaining shares in Alta Copper. Nothing locally on the economic front but Japanese factory sentiment improved opening the way to a rate rise this week. China announced its weakest retail numbers since Covid. Asian markets eased on US falls, Japan down 1.4%, HK down 0.9% and China off 0.2%.US futures were better, Dow up 160 and Nasdaq up 52.10-year yields steady at 4.72%.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Mike O'Keefe, Head of Sales & Customer Success at Immunefi, sat down with me at Chainlink SmartCon to discuss how Immunefi's security solutions are helping protect crypto assets for a wide range of companies. Brought to you by

Flame, a former scammer, reveals how he exploited the credit system, leading to one of the most audacious fraud runs against major banks.⁣ ⁣ Flame's links⁣ Meetflame.com⁣ http://Flamescard.com⁣ Personal Credit Book- https://tinyurl.com/TSOCBook⁣ Business Credit Book - https://tinyurl.com/TSOCBiz ⁣ Credit Card Book - https://tinyurl.com/TSOCCreditCardBook⁣ Pull Your Credit Report- https://tinyurl.com/Pullmycredit⁣ Facebook - https://tinyurl.com/FlameNFacebook⁣ Instagram - https://tinyurl.com/FlameNInstagram⁣ Tiktok - https://tinyurl.com/FlameNTwitter⁣ LinkedIn - https://tinyurl.com/FlameNLinkedin⁣ YouTube - https://tinyurl.com/FlameNYoutube⁣ Flame's calendar - https://tinyurl.com/flamecalender⁣ ⁣ ⁣ Do you want to be a guest? Fill out the form https://www.insidetruecrimepodcast.com/apply-to-be-a-guest⁣ ⁣ Get 10% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout. ⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ ⁣ Follow me on all socials!⁣ Instagram: https://www.instagram.com/insidetruecrime/⁣ TikTok: https://www.tiktok.com/@matthewcoxtruecrime⁣ ⁣ ⁣ Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart⁣ ⁣ Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox ⁣ ⁣ Check out my true crime books! ⁣ Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF⁣ Bent: https://www.amazon.com/dp/B0BV4GC7TM⁣ It's Insanity: https://www.amazon.com/dp/B08KFYXKK8⁣ Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G⁣ Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438⁣ The Program: https://www.amazon.com/dp/B0858W4G3K⁣ Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402⁣ Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1⁣ ⁣ Checkout my disturbingly twisted satiric novel!⁣ Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX⁣ ⁣ If you would like to support me directly, I accept donations here:⁣ Paypal: https://www.paypal.me/MattCox69⁣ Cashapp: $coxcon69 Learn more about your ad choices. Visit megaphone.fm/adchoices

New episode! In this week's rountable we talk about one of the top duel threat artists from the West Coast. Behind the boards, or behind the mic, this Dangerous Crew member gave us classics for years. You might know him best for his production work with Too Short, but don't sleep on Ant Banks solo work! Top 10 Ant Banks songs. As always you can find the audio version on all major podcast platforms and the video version on YouTube.Follow the podcast on Instagram, X & Tik Tok: @b_boypodcastFind us online: www. riplak .comFollow Raven Hunter on Instagram & X: @ravenhunteryps

In this powerful co-hosted episode with Jessica Young, we step into a deeply personal season of surrender and unpack what surrendering truly means on an individual level. From releasing control to embracing uncertainty, we explore how surrender shows up differently for each of us and why it's often one of the hardest yet most transformative parts of personal growth.Together, we openly discuss the emotions that surface when we surrender—fear, grief, relief, peace, resistance, and hope—and how these feelings can coexist during seasons of change. This conversation also dives into the level of trust required to surrender, whether that trust is in yourself, in others, in divine timing, or in the unknown.If you're navigating a season of letting go, healing, or spiritual and emotional growth, this episode offers honest reflection, vulnerability, and reassurance that surrender isn't weakness—it's an act of courage and self-trust.✨ Stay Connected with Shots of Serenity ✨Thank you so much for tuning in! If today's episode resonated, please share it with someone you love and subscribe on your favorite platform — iTunes, SoundCloud, Spotify, or Google Play.

Overcomer Covenant Church exists to advance the Kingdom of God, locally and globally, by preaching the Gospel, partnering with other ministries, and planting churches. To support Overcomer and help us continue to reach people all around the world, click here: https://overcomercc.org/give If you've just made a decision for Christ, click the link today - https://overcomercc.org/saved If this is your first time joining us, click the link today - https://overcomercc.org/newhere —— Stay Connected! Website: https://overcomercc.org YouTube: https://youtube.com/@overcomercc Instagram: https://instagram.com/overcomercc Facebook: https://facebook.com/overcomercc

Ken, Mo, and Tony get you warmed up for the Bengals v. Ravens! It's a cold one, but we are LIVE from The Holy Grail at The Banks. Tune in for the latest on your Home of the Best Bengals Coverage, 700 WLW.See omnystudio.com/listener for privacy information.

Ken, Mo, and Tony get you warmed up for the Bengals v. Ravens! It's a cold one, but we are LIVE from The Holy Grail at The Banks. Tune in for the latest on your Home of the Best Bengals Coverage, 700 WLW.

Ken, Mo, and Tony get you warmed up for the Bengals v. Ravens! It's a cold one, but we are LIVE from The Holy Grail at The Banks. Tune in for the latest on your Home of the Best Bengals Coverage, 700 WLW.See omnystudio.com/listener for privacy information.

Crypto News: THE OCC granted conditional approval for trust bank charters to Ripple, BitGo, Fidelity DigitalAssets, Paxos, and Circle. Wrapped XRP is coming to Solana for DeFi.Brought to you by

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> The layoff number show no signs of a weakening labor market. Jobs are coming back to the US. The fake news will not admit that the economy is improving, but the people will feel it. The Fed cannot control employment or inflation with QE, they use it to keep their system alive. Banks are getting message, crypto will be included in the future economy of the US. The [DS] attacks will intensify as we get closer to the midterms, they will use division tactics with the people and the military. The [DS] is trying to muddy the water with the Epstein files, this has already failed. The [DS] is pushing war to keep their crimes from being exposed. Trump has initiated the cyber attack offensive strategy. Trump and we the people have the leverage and control. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Layoffs Show No Signs of a Weakening Labor Market If the labor market is weakening, it's on the job-creation side of the equation, maybe in part due to AI.     the four-week average, which largely irons out the week-to-week squiggles, and which ticked up to 216,750, seasonally adjusted, which is historically low, and in the same low range that it has been in for the past four years. This is administrative data, not survey-based data. Freshly laid-off people filed these applications for unemployment insurance at state unemployment agencies, which then reported them to the US Department of Labor by the weekly deadline, which then combined the data and published it today. In a longer timespan going back to the 1970s, initial claims are very low, despite the growth of nonfarm payrolls over the decades. They were lower only during the tight labor market of 2018 and 2019 and during the labor shortages coming out of the pandemic. Layoffs show no signs of a weakening labor market. If the labor market is weakening, it's on the job-creation side of the equation. So layoffs are low, but once laid off, it takes people longer to find a job as companies have slowed their hiring, but even that has improved since the summer. Source: wolfstreet.com   for having created, with No Inflation, perhaps the Greatest Economy in the History of our Country? When will people understand what is happening? When will Polls reflect the Greatness of America at this point in time, and how bad it was just one year ago? https://twitter.com/profstonge/status/1999141753442414645?s=20 https://twitter.com/TheCryptoLark/status/1999161790886711747?s=20 Political/Rights Tim Walz Vows to Bring More Somalis to Minnesota, Despite Growing Fraud Scandal Reaching Into the Billions Minnesota Governor Tim Walz is vowing to bring more Somali immigrants to his state, despite the massive fraud scandal that has unfolded in the Minnesota Somali community on his watch. The Washington Free Beacon reports: Tim Walz Pledges To ‘Welcome More' Somalis Into Minnesota as Evidence of Staggering Fraud Scheme Makes National Headlines CBS News reports: https://twitter.com/amuse/status/1999531988210909599?s=20 Source: thegatewaypundit.com Garcia. But immigration courts do not issue such a form, and Congress removed district courts from reviewing these cases nearly 30 years ago. By declaring the order “nonexistent,” she manufactured jurisdiction and granted release. Her six month obstruction of Garcia's removal shows exactly why Congress barred district judges from intervening in INA cases. Trump Admin Pulls 9,500 Truck Drivers Off The Road For Failing English Tests  https://twitter.com/SecDuffy/status/1998787357416501638?s=20 Source: zerohedge.com Democrat Rep. Attempts to Embarrass Kristi Noem by Introducing Her to a ‘Harmless' Veteran She Supposedly Deported – But the Move Backfires When the Actual Truth is Revealed (VIDEO) During the hearing, Rep. Seth Magaziner (D-MA) decided to ambush Noem, first by demanding how many US military veterans she had deported. When Noem responded that she had not, the congressman then pulled out his next nasty stunt. “We are joined on Zoom by a gentleman named Sae Joon Park. He is a United States combat veteran who was shot twice,” Magaziner announced. “Like many veterans, he struggled with PTSD, he was arrested in the 1990s for some minor drug offenses. “He never hurt anyone besides himself. He is a Purple Heart recipient; he has sacrificed more for this country than most people ever have,” he added. “Earlier this year, you deported him to Korea, a country he has not lived in since he was seven.” “Will you join me in thanking Mr. Park for his service?” Noem said she would, but reiterated that America's laws needed to be enforced, which displeased Magaziner. https://twitter.com/EricLDaugh/status/1999200511820763484?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1999200511820763484%7Ctwgr%5E71b314ce22abe6b529570dbbaed5501f8b066bd1%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fdemocrat-rep-attempts-embarrass-kristi-noem-introducing-her%2F  Park had a removal order over felony drug charges and bail jumping – and was NOT a citizen, but a green card holder. Democrats lie, lie, LIE. https://twitter.com/TriciaOhio/status/1999207164603433210?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1999207164603433210%7Ctwgr%5E71b314ce22abe6b529570dbbaed5501f8b066bd1%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fdemocrat-rep-attempts-embarrass-kristi-noem-introducing-her%2F  controlled substance In 2010 an immigration judge issued him an order of removal. Park's appeal to the Board of Immigration Appeals that same month was dismissed by the Board in April 2011. With no legal basis to remain in the U.S. and a final order of removal, Park was allowed to self-deport to Korea. President Trump and Secretary Noem have been clear: criminal illegal aliens are not welcome in the U.S. Source: thegatewaypundit.com https://twitter.com/RedWave_Press/status/1999451592903282965?s=20 2.5 Million Illegal Immigrants Deported Under Trump Admin: DHS More than 2.5 million illegal immigrants have left the United States under the Trump administration, a “record-breaking achievement” in a year, the Department of Homeland Security (DHS) said in a Dec. 10 statement. The 2.5 million figure includes more than 605,000 individuals deported as part of DHS enforcement operations and around 1.9 million illegal immigrants who have voluntarily self-deported since January. The rapid decline in the illegal immigrant population is showing effects nationwide, such as a “resurgence in local job markets,” DHS said. In October, 12,000 jobs were added to the U.S. economy, which followed 431,000 additions in September. Source: zerohedge.com https://twitter.com/GOPoversight/status/1999506355548299518?s=20 DOGE    In other words, AI has far more Electricity than they will ever need because, they are building the facilities that produce it, themselves. We are leading the World in AI, BY FAR, because of a gentleman named DONALD J. TRUMP! Geopolitical Unelected EU Commissioner Ursula von Der Leyen Warns Trump To Keep Away From ‘European Democracy' – But the Patriotic Wave Is Upon Her https://twitter.com/SprinterPress/status/1999360985753174112?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1999360985753174112%7Ctwgr%5Ea460cf825346c02faf408dfdd2869c8b434de5e3%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Funelected-eu-commissioner-ursula-von-der-leyen-warns%2F Politico reported: “Donald Trump should not get involved in European democracy, Ursula von der Leyen said Thursday, days after the U.S. president launched a stinging attack on Europe. ‘It is not on us, when it comes to elections, to decide who the leader of the country will be, but on the people of this country. That's the sovereignty of the voters, and this must be protected', the European Commission president said in an interview at the POLITICO 28 gala event in Brussels.   https://twitter.com/JnglJourney/status/1999294487781326880?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1999294487781326880%7Ctwgr%5Ea460cf825346c02faf408dfdd2869c8b434de5e3%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Funelected-eu-commissioner-ursula-von-der-leyen-warns%2F Source: thegatewaypundit.com https://twitter.com/iAnonPatriot/status/1999198852717424957?s=20 https://twitter.com/Defence_Index/status/1999348521120698795?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1999348521120698795%7Ctwgr%5E4d8309aa196b50542667c5dfcee40655f2883cf0%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fmad-maduro-after-declaring-christmas-october-embattled-venezuelan%2F War/Peace    accident, but Thailand nevertheless retaliated very strongly. Both Countries are ready for PEACE and continued Trade with the United States of America. It is my Honor to work with Anutin and Hun in resolving what could have evolved into a major War between two otherwise wonderful and prosperous Countries! I would also like to thank the Prime Minister of Malaysia, Anwar Ibrahim, for his assistance in this very important matter. Zelensky Floats Holding Referendum On Giving Up Land For Peace “I am definitely in favor of elections,” Ukraine’s President Zelensky said Thursday. “The most important thing is that they are held legitimately.” He’s presenting a position of willingness to compromise amid the increasing pressure from Trump. Is this but a ruse to buy time?  Ceding territory by vote? WSJ continues… Zelensky has long said that as president he can't unilaterally decide the fate of Ukrainian territories, which must be approved by the Ukrainian people. In early fall, 54% Ukrainians opposed ceding land, even if it meant continuing the war and risked the country's independence, compared with 38% who were open to some territorial concessions, in a poll conducted by Kyiv International Institute of Sociology. Source: zerohedge.com Zelenskyy: Holding Elections in Ukraine Requires Ceasefire  President Volodymyr Zelenskyy said  that holding elections in Ukraine during wartime would require a ceasefire. “There must be a ceasefire – at least for the duration of the election process and voting. This is what needs to be discussed. Frankly speaking, here in Ukraine, we believe that America should talk to the Russian side about this,” he told a meeting of the ‘Coalition of the Willing’ group of nations. Wartime elections are forbidden by law but Zelenskyy, whose term expired last year,  Source: newsmax.com NATO’s Rutte warns allies they are Russia’s next target  NATO chief Mark Rutte   urged allies to step up defence efforts to prevent a war waged by Russia that could be “on the scale of war our grandparents and great-grandparents endured”. FRANCE 24’s Dave Keating reports Source: france24.com NATO Secretary Rutte: “NATO Must Prepare for War Against Russia”  Source: theconservativetreehouse.com https://twitter.com/MarioNawfal/status/1999270361414729766?s=20   remarks: “Things like this end up in Third World Wars, and I told that the other day. I said, you know, everybody keeps playing games like this, you’ll end up in a Third World War, and we don’t want to see that happen.” Trump’s essentially telling NATO, Ukraine, and Russia to stop the brinksmanship before proxy war becomes direct conflict. When the U.S. president is publicly warning about World War III, that’s not hyperbole, that’s acknowledgment of how close we’ve gotten to catastrophe. https://twitter.com/disclosetv/status/1999499056133898497?s=20 The Trump administration is preparing to enlist private businesses and cybersecurity firms to conduct offensive cyberattacks against foreign adversaries, including criminal hackers and state-sponsored groups that target U.S. critical infrastructure, telecommunications, or engage in ransomware activities.  This approach, detailed in a draft national cyber strategy from the Office of the National Cyber Director, aims to expand U.S. cyber capabilities by leveraging private sector expertise, allowing government agencies to focus on unique tasks.  An upcoming executive order is expected to define roles for these firms and provide legal protections, though additional legislation may be needed to mitigate risks for companies traditionally focused on defense. Medical/False Flags https://twitter.com/disclosetv/status/1999176473723191554?s=20 [DS] Agenda BREAKING: Grand Jury *AGAIN* Declines to Indict Letitia James For Mortgage Fraud  A federal grand jury in Virginia declined to indict New York Attorney General Letitia James for mortgage fraud on Thursday. This is the second time federal prosecutors have failed to secure an indictment against Letitia James. “Federal prosecutors on Thursday failed to convince a majority of grand jurors to approve charges that James misled a bank to obtain favorable loan terms on a home mortgage, according to sources,” ABC News reported. Source: thegatewaypundit.com BREAKING: Executive Director of Black Lives Matter Oklahoma Charged with Wire Fraud and Money Laundering – 25 Counts Total – Facing DECADES in Prison  An executive director of Black Lives Matter Oklahoma was charged with wire fraud and money laundering. A federal grand jury on December 3 returned a 25-count indictment against Tashella Sheri Amore Dickerson, 52. Dickerson was charged with 20 counts of wire fraud and five counts of money laundering. “On December 3, 2025, a federal Grand Jury returned a 25-count Indictment, charging Dickerson with 20 counts of wire fraud and five counts of money laundering. For each count of wire fraud, Dickerson faces up to 20 years in federal prison, and a fine of up to $250,000. For each count of money laundering, Dickerson faces up to ten years in prison and a fine of up to $250,000 or twice the amount of the criminally derived property involved in the transaction,” the DOJ said. According to the charging documents, Dickerson, through BLMOKC, raised more than $5.6 million, but rather than using the money to bail out George Floyd rioters, she used millions to fund her lavish lifestyle. Federal prosecutors said Dickerson funneled over $3.5 million to her personal accounts and spent it on vacations, six properties in Oklahoma City, retail shopping, and food. Per the DOJ: https://twitter.com/FBIDirectorKash/status/1999235340620497058?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1999235340620497058%7Ctwgr%5E9f29cdaa88d5635542427963418842d100b04bdd%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fblack-lives-matter-executive-charged-wire-fraud-money%2F Source: thegatewaypundit.com https://twitter.com/DataRepublican/status/1998944940865503255?s=20 https://twitter.com/Patri0tContr0l/status/1999164831652315320?s=20 JUST IN: House Overwhelmingly Rejects Al Green's Impeachment Effort Against Trump – 70 Democrats Kill Measure (VIDEO) The House of Representatives voted on a Motion to Table Texas Democrat Al Green's resolution to impeach President Trump on Thursday, effectively killing the resolution, with many Democrats even voting against impeachment. Green has already tried several times to impeach Trump since he took office in January. Green first introduced articles of impeachment against Trump in February, just weeks after he took office. Source: thegatewaypundit.com Schumer Erupts After Senate Blocks Democrat Bill to Extend Expiring Obamacare Subsidies — Desperately Blames Republicans for the Disaster Democrats Created  The Senate delivered a major blow to Democrat leadership Thursday night after rejecting Majority Leader Chuck Schumer's last-minute attempt to extend expiring Affordable Care Act (ACA) subsidies, subsidies Democrats themselves voted to terminate in Joe Biden's so-called “Inflation Reduction Act” of 2022. The subsidies are set to expire on December 31, 2025 because Democrats wrote the expiration date into their own bill. Yet now, as the political consequences close in, Schumer is scrambling to pin the blame on Republicans.  Democrats locked the subsidy expiration date into law in 2022. They knew this would happen. They planned for it to happen. They voted for it to happen. Now, in an election year—Schumer is trying to retroactively pretend Republicans created a crisis that Democrats engineered from the beginning. Recall that in 2014, Chuck Schumer himself admitted Obamacare was a mistake and confessed that Democrats sold out the middle class to get it passed. Source: thegatewaypundit.com https://twitter.com/EricLDaugh/status/1999178360082301396?s=20 The Dems who voted against this SUPPORT BIG INSURANCE. UNBELIEVABLE. One GOP “no”: Rand Paul (KY). Paul says he wants the ACA gutted even further. Needs 60. DEMOCRATS = PARTY OF BIG, RICH INSURANCE. https://twitter.com/ElectionWiz/status/1999233530694418762?s=20 President Trump's Plan   Elections. Democrats have been relentless in their targeting of TINA PETERS, a Patriot who simply wanted to make sure that our Elections were Fair and Honest. Tina is sitting in a Colorado prison for the “crime” of demanding Honest Elections. Today I am granting Tina a full Pardon for her attempts to expose Voter Fraud in the Rigged 2020 Presidential Election! https://twitter.com/Rasmussen_Poll/status/1999403926316069209?s=20   Ticktin’s nine-page letter dated December 7, 2025, accuses a “criminal conspiracy” involving Dominion Voting Systems, Colorado officials like Secretary of State Jena Griswold, and foreign influences, while arguing that Peters preserved election data in compliance with federal law (52 U.S.C. § 20701). He positions her as a key witness for future investigations into election integrity, leveraging her status as a 70-year-old Gold Star mother to evoke sympathy. A core (and controversial) element of Ticktin’s legal theory is the untested claim that the U.S. Constitution allows presidents to pardon state-level convictions—a position not supported by precedent, as presidential pardons are explicitly limited to federal offenses under Article II, Section 2. This strategy aims to challenge the boundaries of executive power, potentially setting up a court battle if pursued further, while amplifying the narrative through media and conservative outlets to build public pressure. , this pardon is largely symbolic and legally ineffective because Peters was convicted and sentenced in Colorado state court on charges like attempting to influence a public servant, conspiracy, and official misconduct—not federal crimes. It doesn’t vacate her nine-year prison sentence or require her release; only Colorado’s governor (currently Democrat Jared Polis) could grant clemency for state offenses, and there’s no indication he plans to do so.   the pardon could indirectly help Peters in several ways: Political and Public Pressure: It elevates her case nationally among Trump supporters and election skeptics, potentially leading to fundraising for her legal defense, public campaigns for her release, or even influencing her ongoing state appeals (e.g., by highlighting perceived bias in her trial). A federal magistrate recently denied her release pending appeal, but this symbolic gesture might bolster arguments about unfair prosecution. Narrative Framing: Ticktin can use it to reinforce claims of her innocence in the court of public opinion, portraying the pardon as validation from the president that her actions were justified. This aligns with broader Republican efforts to question 2020 election security. Potential Federal Angle: If any federal investigations arise from her case (e.g., related to Dominion or election data), the pardon could preemptively shield her from future federal charges. Ticktin’s strategy also includes pushing for a DOJ review of her conviction, which Trump directed earlier in 2025. https://twitter.com/CynicalPublius/status/1999284588955468129?s=20 This refers to the DOJ’s decision, under Bondi’s leadership, to rescind regulations enforcing disparate impact liability. This action implements an executive order signed by President Donald Trump in April 2025, eliminating the use of disparate impact metrics to prove discrimination against entities receiving federal funding. What is Disparate Impact Liability? It’s a legal doctrine originating from the 1971 Supreme Court case Griggs v. Duke Power Co., which interprets Title VI of the Civil Rights Act of 1964.  Under this theory, policies or practices that disproportionately harm protected groups (e.g., based on race, even without intentional bias) can be considered discriminatory. Over decades, it expanded into a regulatory tool that penalized unintentional disparities, often requiring institutions like employers, schools, or housing providers to track and adjust for racial outcomes to avoid lawsuits or loss of federal funds.  Critics (including the poster and the article) argue it incentivized racial quotas, DEI (diversity, equity, and inclusion) mandates, and “reverse discrimination,” straying from the Civil Rights Act’s original focus on intentional discrimination. Ending disparate impact liability is framed as restoring “equality under the law” by focusing DOJ enforcement solely on provable intent, rather than statistical outcomes. Bondi stated: “This Department of Justice is eliminating its regulations that for far too long required recipients of federal funding to make decisions based on race.” this is a blow against overreaching government coercion, promoting individual liberty and meritocracy over enforced equity. They suggest skeptics “pay closer attention” to appreciate its impact on freedom from such policies. Texas Showdown: GOP’s Wesley Hunt Now Dares Dem Crockett to Face-Off  The 2026 election cycle is working its way up through the gears. Candidates are announcing their intent to run for various seats; some are sure-wins, some are sure to be fights to the finish, and some are sure to be inexplicable. One of the latter is surely Democrat Representative Jasmine Crockett (TX-30) announcing for a Texas Senate seat, the same seat being sought by Republican Representative Wesley Hunt (TX-38). My money’s on Mr. Hunt. Even more so now, that the Republican Congressman has challenged Rep. Crockett to a duel – or, rather, a debate. She may wish she’d picked swords at sunrise instead of a verbal exchange with Wesley Hunt. Texas Senate candidate Rep. Wesley Hunt, R-Texas, challenged House colleague Rep. Jasmine Crockett, D-Texas, to a debate after Crockett entered the race earlier this week. Hunt, who faces incumbent Sen. John Cornyn, R-Texas, and Texas Attorney General Ken Paxton in a competitive Republican primary, was quick to challenge Crockett to a debate, saying that if the new contender agreed it would be “must-see TV.” Source: redstate.com https://twitter.com/mrddmia/status/1999519791527207239?s=20 https://twitter.com/TheStormRedux/status/1999143399631282641?s=20 get the right people in place. VANCE: “Eventually you are gonna see prosecutions. Not just Arctic Frost related, but on a whole host of other issues. Eventually we need certain subpoenas that have to be issued by a court. Eventually you need local prosecutors, US Attorneys to go after some of these people in a court of law. If you can't get a U.S. Attorney appointed because the Democrat wont give you a blue slip. Or you can't get a judge confirmed… Republicans have gotta open up their perspective a little bit.” Everyone can complain all they want, but the DOJ would be stupid to bring charges without the right people in place. Blame the worthless Republican Senators! Frustrating, but I am confident President Trump will figure it out because he is the best problem solver I've ever seen in my life. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

A mixed session in early trading following record highs for the S&P 500 a day earlier. Adam Parker from Trivariate Research and Anastasia Amoroso from Partners Group join with their outlook for equities and private markets. Broadcom shares pulled back sharply despite upbeat results and bullish commentary around AI demand. Analyst Vijay Rakesh gives his take on the drop. Plus, why regional banks could be a good bet in 2026, high hopes for pot stocks, and details behind the CEO change at Lululemon. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nick Ducoff, Head of Institutional Growth at Solana Foundation, joined me to discuss the latest and great with Solana.Topics: Brought to you by

Crypto News: J.P. Morgan arranges landmark U.S. Commercial Paper issuance on Solana Public Blockchain for Galaxy Digital Holdings. Coinbase opens Solana DEX access as CeFi and DeFi converge. Fed will start QE (money printing) tomorrow. Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

Today's episode breaks down one of the biggest developments in TradFi and crypto convergence yet — the DTCC, the massive clearinghouse that settles over $2 QUADRILLION in securities every year, is officially accelerating its move into asset tokenization. We'll cover why the DTCC's new digital-assets roadmap could completely transform how stocks, bonds, money markets, and alternative assets are traded… and why this may be the catalyst institutions have been waiting for. Plus: what tokenized markets mean for Bitcoin, crypto liquidity, regulation, U.S. banks entering crypto, and the next wave of blockchain adoption

Matt and Zack discuss their favorite NFL Draft prospects with early invitations to the Senior Bowl and Shrine bowl. Diego Pavia, Tanner Koziol, Michael Trigg and Ted Hurst are discussed for fantasy relevance. Zack identifies some of his favorite sleeper NFL Draft prospects in Sam Hecht, Keylan Rutledge, and Brandon Cleveland. Free newsletter + rankings & personalized advice: patreon.com/rookiebigboard In-depth scouting reports and NFL Draft rankings: prepdraftpro.substack.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join Jacquari as he talks with award-winning actor Adrian Holmes, known for his role as Philip Banks in Bel-Air on Peacock. With over 100 film and TV credits and a 2024 NAACP Award for Outstanding Supporting Actor, Adrian shares his journey from Wrexham, North Wales, to Canada, and his Barbadian roots that shape his craft. They dive into the fourth and final season of Bel-Air, the dramatic reimagining of the '90s classic, exploring what it takes to bring Philip Banks to life. Adrian also opens up about his initiation into the Alpha Phi Alpha fraternity and what that experience has meant for him personally and professionally. Don't miss this candid conversation filled with insight, inspiration, and behind-the-scenes stories.

Morse code transcription: vvv vvv Trump launches 1m gold card immigration visas Evan Davis Why so many people break 20mph speed limits The reality facing Englands busiest A and E unit as flu wave hits Rolling Stones finally approve Fatboy Slim sample after 25 years Sports Personality of the Year 2025 nominees Hampton, Kelly, Kildunne, Littler, McIlroy, Norris US seizes oil tanker off the coast of Venezuela, Trump says Panic in France as children fall victim to lethal violence of Marseille drug gangs Banks to get new powers to give financial advice How Celebrity Race Across the World changed our relationship Mar a Corina Machado appears in Oslo after Nobel Peace Prize win

Banks today have a great number of customer experience pain points. There's the trust factor to consider, on whether customers feel their bank actually care about them and their financial struggles. But there's also the fact that customers expect a seamless experience across multiple channels, whether that's in the branch, mobile or at the branch.In today's episode of the Bank Customer Experience podcast, Brian McEvoy, chief retail banking officer at Webster Five, joined Bradley Cooper to discuss how banks can navigate these customer pain points.He said during the podcast that "people process technology in unison." In other words, the various platforms have to work together. It's not enough to have a fancy mobile app that doesn't integrate well with your other bank platforms or doesn't integrate with third party apps.McEvoy added that the hardest part for banks is: "How do you make a frictionless experience for the customer?" This is a particularly big problem as customers have far less patience for any frustration in the experience."If there's any pain point in the experience, our tolerance and patience is less than it used to be."So how do banks address this? McEvoy pointed to a few important elements:Refocus branches to have a custom experience for guests.Use AI to automate simpler tasks.Use a mobile-first strategy to ensure all your bank's features are accessible.During the discussion, McEvoy addressed several subtopics such as:Identifying pain points.Making a good branch experience.Keeping the personal touch while also using AI.Listen to the full discussion above.

On this Thursday edition of Sid & Friends in the Morning, Sid recaps Bruce Blakeman, the Nassau County Executive, discussing his run for the Governor of New York and addressing criticisms on the morning show yesterday, before he dives into the Federal Reserve cutting interest rates for the third time in a year amid internal disagreements and an uncertain economic outlook post-COVID-19 pandemic, President Trump's disapproval rating regarding cost of living issues and inflation, the firing of Michigan's head football coach Sherrone Moore for an inappropriate relationship and subsequent assault investigation, and Major League Baseball trades include Pete Alonso moving to the Baltimore Orioles after contract negotiations with the New York Mets never came to fruition, indicating a significant team shift in Queens. Bill O'Reilly, Brian Kilmeade, Joe Benigno, Nancy Mace & Scott LoBaido join Sid on this Friday-eve installment of Sid & Friends in the Morning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bob Papa sits down with former Giants linebacker and 2x-Super Bowl champion, Carl Banks. He discusses his career with the Giants, becoming the President of G-III Sports, and lessons from Bill Parcells he still uses today. :00 - Coming out of Michigan State 3:10 - Banks’ greatest games 6:00 - Getting involved in the clothing business 12:50 - Lessons from Bill ParcellsSee omnystudio.com/listener for privacy information.

Ethereum co-founder Joe Lubin joins Friederike Ernst to discuss why we are at the "end of a supercycle," a chaotic transition period where legacy institutions are finally adopting blockchain rails not just for efficiency, but for survival. They explore the "inevitable convergence" where the US government may actively rely on stablecoins to absorb debt, effectively using crypto to extend the lifespan of the dollar. At the same time, banks scramble to compete with self-custodial wallets. Joe also details the structural evolution of Consensys, from an "organic blob" incubating projects like Gnosis to a focused software powerhouse. He differentiates Linea from competitors by highlighting its commitment to permissionless innovation where anyone can deploy a rollup without a "sign-off". He shares his vision for MetaMask evolving into a user-owned "full-service bank. Topics00:00 Intro & Paradigm Shift04:15 Crypto-Anarchy vs. Enterprise10:30 Banks & Stablecoins16:00 The Economic Supercycle24:45 Consensys History & Spin-outs33:20 Linea & Decentralization42:15 L1 Scaling & ZK48:00 Permissionless Rollups55:30 Future OptimismLinksJoe Lubin on X: https://twitter.com/ethereumJosephConsensys: https://consensys.ioLinea: https://linea.buildMetaMask: https://metamask.ioGnosis: https://gnosis.io/ Sponsors: Gnosis: Gnosis has been building core decentralized infrastructure for the Ethereum ecosystem since 2015. With the launch of Gnosis Pay last year, we introduced the world's first Decentralized Payment Network. Start leveraging its power today at http://gnosis.io

Consumers don't want more banking messages — they want relevance. And right now, most banks are wildly out of sync with what their communities actually need. Consumers want communication that reflects their neighborhood, life stage, and immediate financial needs — and broad, one-size-fits-all marketing isn't effective. Hyperlocal strategies are emerging as some of the most powerful ways to drive acquisition, strengthen relationships, and capture market share. In this episode of Banking Transformed, I talk with Fred Cadena, Head of Client Strategy at Vericast, about how real-time data, household insights, and neighborhood-level trends are changing the way banks compete. Fred explains why “relevance beats reach,” how new mover and life-event signals drive growth, and what it takes to activate hyperlocal marketing without adding complexity. If your institution is seeking affordable, data-driven strategies to boost growth in 2025, this conversation provides a clear roadmap — and questions long-standing assumptions about how banks engage with their communities. This episode of Banking Transformed is sponsored by Vericast Vericast's Hyperlocal Marketing solution is a fully managed, precision-engineered, data-driven approach to personalized digital advertising at the branch level enabling financial institutions to build stronger community connections, increase engagement and conversions, and optimize advertising spend for maximum impact. Vericast.com

Jonathan Jayarajan (Head of European Equity Research Product) and Benjamin Goy (Head of European Financials research) discuss the likely trajectory of the banks sector following strong performance over recent years.

Democrats are pushing back on Senate Banking Chair Tim Scott's plan to hold a crypto bill markup next week. Meanwhile, Republicans fail to pass healthcare bill.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 intro00:07 Sponsor: Tangem00:39 Bull Market vs Congress01:06 Crapo Bill01:20 Trump vs Bernie on Healthcare Bills02:19 Republican Healthcare Vote Fails02:36 Problem Solvers To The Rescue?03:33 Congress Solves No Problems03:54 Government Shutdown Odds Climb04:24 Tariffs vs Christmas05:27 Tariff Rebate Checks?06:08 CLARITY Act vs Banks06:36 Eleanor on CLARITY Bill Status07:26 Not Passing This Year07:34 The "Nice Version" 08:20 Banning Stablecoin Yields09:05 Coinbase Removes Yields09:41 Tax Refunds Coming?10:16 Gambling Tax on Losses!11:25 Trump Removing Gambling Tax?11:55 Relief Not Coming12:21 Why Trump Won't Sign Crypto Bill12:46 Trump Crypto Game Launches13:28 Citadel vs DeFi14:42 Most Hated Bill in America15:02 CBDC's Incoming?15:32 Howard Lutnik on Economy15:59 Upcember?16:15 outro#Crypto #Bitcoin #Ethereum~Congress Unleashes Crap-o Bills!

The Ransomware Minute is a rundown of the latest ransomware attacks & news, brought to you Cybercrime Magazine, Page ONE for Cybersecurity. Listen to the podcast weekly and read it daily at https://ransomwareminute.com. For more on cybersecurity, visit us at https://cybercrimemagazine.com.

The cranberries we typically eat are native to North America, though they are also grown in other places. How did they become a standard part of the holiday table? Research: Albanese, Ellen. “A brief history of the cranberry—Cape Cod’s most important fruit.” Cape Cod Life. 2016 Annual. https://capecodlife.com/a-brief-history-of-the-cranberry-cape-cods-most-important-fruit/ Banks, Sir Joseph, and Sir Joseph D. Hooker, ed. “Journal of the Right Hon., Sir Joseph Banks, BART., K.B., P.R.S., During Captain Cook’s First Voyage in M.S. Endeavour in 1768-71 To Terra Del Fuego [sic], Otahite, new Zealand, Australia, the Dutch East indies, Etc.” ” London. Macmillan and Co., LTD. 1896. https://library.dbca.wa.gov.au/FullTextFiles/926449.pdf Berman-Vaporis, Irene, et al. “The U.S. cranberry harvest explained in four charts.” National Geographic. Nov. 27, 2019. https://www.nationalgeographic.com/history/article/united-states-cranberry-harvest-explained-charts?loggedin=true&rnd=1764767841856 Blakemore, Erin. “A Brief History of Cranberries.” Smithsonian. Nov. 25, 2015. https://www.smithsonianmag.com/smart-news/brief-history-cranberries-180957399/ Borunda, Alejandro. “Climate change is coming for New England's cranberries.” National geographic. Nov. 25, 2020. https://www.nationalgeographic.com/environment/article/climate-change-affecting-massachusetts-cranberries Chen, Angus. “We Tried A Futuristic Cranberry. It Was Fresh And Naturally Sweet.” NPR. Nov. 24, 2015. https://www.npr.org/sections/thesalt/2015/11/24/457247226/cranberry-you-could-eat-without-sugar “DDT - A Brief History and Status.” Environmental Protection Agency. https://www.epa.gov/ingredients-used-pesticide-products/ddt-brief-history-and-status Eastwood, B. “Complete Manual for the Cultivation of the Cranberry: With a Description of the Best Varieties.” A.O. Moore. 1859. https://archive.org/details/completemanualf00eastgoog/page/n4/mode/2up Henshaw, Tom. “Cranberry Industry Seen Hurt for Years by Weed Killer Scare.” Courir-Post. Nov. 26, 1959. https://www.newspapers.com/image-view/180597557/?match=1&terms=Marcus%20Urann “Historical Timeline of Cranberries.” Massachusetts Cranberries. https://www.cranberries.org/history Josselyn, John. “New-England's rarities discovered in birds, beasts, fishes, serpents, and plants of that country.” Boston. William Veazie. 1865. https://archive.org/details/newenglandsrarit00joss/page/n7/mode/2up “Marcus Urann Scholarship.” Bank of America. https://www.gnbvt.edu/wp-content/uploads/2020/02/Marcus-Urann-Scholarship-.pdf “M. Urann Rites Are Tomorrow.” The Standard-Times. April 5, 1963. https://www.newspapers.com/image-view/1260416770/?match=1&terms=Marcus%20Urann “Our History.” CoBank. https://www.cobank.com/corporate/history Readal, Maryann. “Cranberry – Herb for the Holidays.” The HerbSociety of America Blog. Nov. 7, 2022. https://herbsocietyblog.wordpress.com/tag/elizabeth-lee-ocean-spray/ Smith, K. Annabelle. “How Marcus Urann’s idea revolutionized the cranberry industry.” Smithsonian. Nov. 27, 2013. https://www.smithsonianmag.com/arts-culture/this-man-made-the-first-canned-cranberry-sauce-180947862/ Tennenbaum, David, and Lee Sensenbrenner. “Sprouting a new future for Wisconsin’s red and white.” University of Madison-Wisconsin News. Oct. 29, 2015. https://news.wisc.edu/sprouting-a-new-future-for-wisconsins-red-and-white/ Theobald, Mary Miley. “Bogged Down in Cranberries.” Colonial Williamsburg. https://research.colonialwilliamsburg.org/Foundation/journal/Holiday06/cran.cfm See omnystudio.com/listener for privacy information.

Is now the time to refinance your mortgage? Only if you meet certain criteria. Clark breaks it down.  Also - Are you with what Clark calls a Giant Monster Mega Bank? If so, you may be paying fees you don't have to! Clark's overview of the banking industry makes it clear, the regional, super regional and giant banks are not your wallet's friend. Hear how people are migrating their money in a way that's comfortable for them - a method called “soft switching”.  Mortgage Refi Guidelines: Segment 1 Ask Clark: Segment 2 Banish Bank Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How and When To Refinance Your Mortgage: A Step-By-Step Guide Mortgage Refinance Calculator - With Cash Out and Points What Can I Safely Use for Peer-to-Peer Payments? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion How To Switch Banks in 4 Simple Steps Best Online Banks: Free Checking and High-Interest Savings Accounts Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab Costco Travel: 5 Things To Know Before You Book When Do You Need a Travel Agent? Clark's Christmas Kids Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Crypto News: The OCC clears national banks to facilitate crypto transactions. PNC Private Bank clients can now buy, sell, and hold bitcoin in their existing accounts.Brought to you

Bitcoin enters a historic new era as U.S. regulators officially approve banks to act as crypto intermediaries, allowing them to custody digital assets and process blockchain transactions, an institutional green light that could fundamentally reshape the market. At the same time, traders are watching Bitcoin and Ethereum climb on rising Fed rate-cut expectations, while Washington advances a major crypto market-structure bill and the SEC signals a sweeping overhaul to “future-proof” digital-asset regulation. Globally, Argentina has now authorized domestic banks to offer crypto services, and Binance expands its regulated offerings as volatility builds ahead of the FOMC.

The Bank of England has just released the results of its 2025 stress test. In their nightmare scenario, inflation surges, house prices tumble, markets tank… and all seven major UK banks still pass. So the financial system might survive a crash. But would you? And in today's Dumb Question of the Week: Are British banks too big? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. ---Get in touch

Interview recorded - 2nd of December, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming on Bill Moreland. Bill is the founder of Bankregdata.During our conversation we spoke about Bills thoughts on the credit markets, regulatory shift, risk in banks, private credit risks, large bank blowup and more. I hope you enjoy!0:00 - Introduction1:18 - Overview of credit markets7:27 - Regulatory shift24:38 - What does this mean?32:53 - Private credit44:48 - Large bank blowup53:33 - One message to takeaway?Bill Moreland is a partner in a company/website called BankRegData.com. The Austin, Texas company BankRegData started in 2010 to provide a web aggregated Federal Depository Insurance Company (FDIC) insured Bank Quarterly Call Report data and additionally offer a narrative/interpretation on the bank book dynamics (see 2016 Q4 Asset Review or Winners & Losers: Citigroup). Since 2012 this data is taken from the FFIEC Central Data Repository. FFIEC is the acronym for the Federal Financial Institution Examination Council. The FFIEC is an interagency standards committee across five banking regulators including: Federal Reserve Board of Governors , Federal Deposit Insurance Corporation, National Credit Union Administration, Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau (note the Securities Exchange Commission is not listed as one of the regulators in the FFIEC.). What BankRegData does is aggregate, and to some degree normalize, the Quarterly Call Report Data. BankRegData will get you (to a good first approximation) the distribution of securities ( deposits, mortgages, credit card accounts, loans, and tradable securities) at a quarterly aggregation level across the Banking Book of the major Bank Holding Companies.Bill Moreland - Website - https://www.bankregdata.com/main.aspX - https://x.com/BankRegDataLinkedIn - https://www.linkedin.com/in/bill-moreland-097586/WTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

Episode SummaryIn this episode of The Rhonda Coleman Wandel Podcast, Okera Banks, designer, style expert, and founder of the Okera Banks Collection and OTG Essentials, shares her remarkable journey from Charleston to Hollywood to building a global fashion brand rooted in purpose. From her early years in costume design to launching her own line, Okera opens up about courage, creativity, and the spiritual faith that has guided every pivot. Her story is a masterclass in trusting your instincts and designing a life that fits who you truly are.Key Takeaways:How Okera Banks turned her love of fashion into a purpose-driven brandThe difference between a stylist, a costume designer, and a fashion designerWhy every woman should learn to “be comfortable being uncomfortable.How faith and intuition can lead your biggest life pivotsLessons from working in Hollywood, fashion, and entrepreneurshipThe importance of legacy, community, and building “brick by brick"Meet Okera BanksOkera Banks is an American designer, style expert, and entrepreneur whose work blends elegance, confidence, and authenticity. She is the founder of Okera Banks Collection and OTG Essentials, created for women who lead with purpose and live life on the go. Her designs have been featured on CNN, VH1, and E! Online and are sold in boutiques including Hudson's Atlanta Airport and the Bank of America Marketplace by Seneca Women. A graduate of Clark Atlanta University, Okera's mission is simple: to help women “travel in on-the-go style."Meet OkeraHow She PivotedOkera Banks began her career as a costume designer and stylist in Hollywood, working behind the scenes on television and film. But her entrepreneurial spirit and design education kept calling her toward something bigger. What began as a birthday gift of handmade skirts eventually evolved into a full-fledged fashion line.“I didn't chase exposure, I just needed an outfit I couldn't find. That's how the first collection was born,” shared Okera Banks on episode 32 of the Rhonda Coleman Wandel podcast.Through fearless pivots, Okera transitioned from entertainment to entrepreneurship, creating timeless collections for women who want to look stylish while living in motion. Each piece, she says, is designed to make women feel confident, comfortable, and seen.Insights for Ambitious WomenOkera's wisdom extends far beyond fashion. She speaks candidly about resilience, financial freedom, and how obedience to God shapes her creativity and direction.“Get comfortable being uncomfortable. Don't let fear or other people's opinions talk you out of what God told you to do,” encouraged Okera Banks on the RCW podcastHer story is an empowering reminder that success is not linear, and that the real work of becoming who you're meant to be starts with faith, courage, and the willingness to pivot.Want More Like This?Be sure to subscribe to the podcast on your favourite platform so you never miss an episode. And if you're ready for even more honest stories, career inspiration, and powerful insights, join Rhonda's monthly newsletter. It's where ambitious women get the encouragement, tools, and behind-the-scenes wisdom to thrive—straight to your inbox. Subscribe to the newsletter and catch more episodes at RhondaColemanWandel.com

To break down what the requirements are for banks around cash transactions, John Maytham speaks to Kokkie Kooyman, Director and Portfolio Manager at Denker Capital, to explain what these rules mean in practice for businesses that still pay salaries in cash and for workers who rely on cash pay-outs. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Chantal Marx from FNB Wealth and Investments unpacks a resilient local banking sector – solid updates, steady performance and the question on everyone's mind: Is there still value to be found? Herman van Papendorp from Momentum Investments Group maps out the smartest places to put your money in 2026. Harry Scherzer, CEO of Future Forex, explains how to move funds offshore without paying excessive fees.

Our Head of Research Product in Europe Paul Walsh and Chief European Equity Strategist Marina Zavolock break down the key drivers, risks, and sector shifts shaping European equities in 2026. Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's Head of Research Product in Europe.Marina Zavolock: And I'm Marina Zavolock, Chief European Equity Strategist.Paul Walsh: And today – our views on what 2026 holds for the European stock market.It's Tuesday, December 9th at 10am in London.As we look ahead to 2026, there's a lot going on in Europe stock markets. From shifting economic wins to new policies coming out of Brussels and Washington, the investment landscape is evolving quite rapidly. Interest rates, profit forecasts, and global market connections are all in play.And Marina, the first question I wanted to ask you really relates to the year 2025. Why don't you synthesize your, kind of, review of the year that we've just had?Marina Zavolock: Yeah, I'll keep it brief so we can focus ahead. But the year 2025, I would say is a year of two halves. So, we began the year with a lot of, kind of, under performance at the end of 2024 after U.S. elections, for Europe and a decline in the euro. The start of 2025 saw really strong performance for Europe, which surprised a lot of investors. And we had kind of catalyst after catalyst, for that upside, which was Germany's ‘whatever it takes' fiscal moment happened early this year, in the first quarter.We had a lot of headlines and kind of anticipation on Russia-Ukraine and discussions, negotiations around peace, which led to various themes emerging within the European equities market as well, which drove upside. And then alongside that, heading into Liberation Day, in the months, kind of, preceding that as investors were worried about tariffs, there was a lot of interest in diversifying out of U.S. equities. And Europe was one of the key beneficiaries of that diversification theme.That was a first half kind of dynamic. And then in the second half, Europe has kept broadly performing, but not as strongly as the U.S. We made the call, in March that European optimism had peaked. And the second half was more, kind of, focused on the execution on Germany's fiscal. And post the big headlines, the pace of execution, which has been a little bit slower than investors were anticipating. And also, Europe just generally has had weak earnings growth. So, we started the year at 8 percent consensus earnings growth for 2025. At this point, we're at -1, for this year.Paul Walsh: So, as you've said there, Marina, it's been a year of two halves. And so that's 2025 in review. But we're here to really talk about the outlook for 2026, and there are kind of three buckets that we're going to dive into. And the first of those is really around this notion of slipstream, and the extent to which Europe can get caught up in the slipstream that the U.S., is going to create – given Mike Wilson's view on the outlook for U.S. equity markets. What's the thesis there?Marina Zavolock: Yeah, and thank you for the title suggestion, by the way, Paul of ‘Slipstream.' so basically our view is that, well, our U.S. equity strategist is very bullish, as I think most know. At this stage he has 15 percent upside to his S&P target to the end of next year; and very, very strong earnings growth in the U.S. And the thesis is that you're getting a broadening in the strength of the U.S. economic recovery.For Europe, what that means is that it's very, very hard for European equities to go down – if the U.S. market is up 15 percent. But our upside is more driven by multiple expansion than it is by earnings growth. Because what we continue to see in Europe and what we anticipate for next year is that consensus is too high for next year. Consensus is anticipating almost 13 percent earnings growth. We're anticipating just below 4 percent earnings growth. So, we do expect downgrades.But at the same time, if the U.S. recovery is broadening, the hopes will be that that will mean that broadening comes to Europe and Europe trades at such a big discount, about 26 percent relative to the U.S. at the moment – sector neutral – that investors will play that anticipation of broadening eventually to Europe through the multiple.Paul Walsh: So, the first point you are making is that the direction of travel in the U.S. really matters for European stock markets. The second bucket I wanted to talk about, and we're in a thematically driven market. So, what are the themes that are going to be really resonating for Europe as we move into 2026?Marina Zavolock: Yeah, so let me pick up on the earnings point that I just made. So, we have 3.6 percent earnings growth for next year. That's our forecast. And consensus – bottom-up consensus – is 12.7 percent. It's a very high bar. Europe typically comes in and sees high numbers at the beginning of the year and then downgrades through the course of the year. And thematically, why do we see these downgrades? And I think it's something that investors probably don't focus on enough. It's structurally rising China competition and also Europe's old economy exposure, especially in regards to the China exposure where demand isn't really picking up.Every year, for the last few years, we've seen this kind of China exposure and China competition piece drive between 60 and 90 percent of European earnings downgrades. And looking at especially the areas of consensus that are too high, which tend to be highly China exposed, that have had negative growth this year, in prior years. And we don't see kind of the trigger for that to mean revert. That is where we expect thematically the most disappointment. So, sectors like chemicals, like autos, those are some of the sectors towards the bottom of our model. Luxury as well. It's a bit more debated these days, but that's still an underweight for us in our model.Then German fiscal, this is a multi-year story. German fiscal, I mentioned that there's a lot of excitement on it in the first half of the year. The focus for next year will be the pace of execution, and we think there's two parts of this story. There's an infrastructure fund, a 500-billion-euro infrastructure fund in Germany where we're seeing, according to our economists, a very likely reallocation to more kind of social-related spend, which is not as great for our companies in the German index or earnings. And execution there hasn't been very fast.And then there's the Defense side of the story where we're a lot more optimistic, where we're seeing execution start to pick up now, where the need is immense. And we're seeing also upgrades from corporates on the back of that kind of execution pickup and the need. And we're very bullish on Defense. We're overweight the issue for taking that defense optimism and projecting out for all of Europe is that defense makes up less than 2 percent of the European index. And we do think that broadens to other sectors, but that will take years to start to impact other sectors.And then, couple other things. We have pockets of AI exposure in the enabler category. So, we're seeing a lot of strength in those pockets. A lot of catch up in some of those pockets right now. Utilities is a great example, which I can talk about. So, we think that will continue.But one thing I'm really watching, and I think a lot of strategists, across regions are watching is AI adoption. And this is the real bull case for me in Europe. If AI adoption, ROI starts to become material enough that it's hard to ignore, which could start, in my opinion, from the second half of next year. Then Europe could be seen as much more of a play on AI adoption because the majority of our index is exposed to adoption. We have a lot of low hanging fruit, in terms of productivity challenges, demographics, you know, the level of returns. And if you track our early adopters, which is something we do, they are showing ROI. So, we think that will broaden up to more of the European index.Paul Walsh: Now, Marina, you mentioned, a number of sectors there, as it relates to the thematic focus. So, it brings us onto our third and final bucket in terms of what your model is suggesting in terms of your sector preferences…Marina Zavolock: Yeah. So, we have, data driven model, just to take a step back for a moment. And our model incorporates; it's quantum-mental. It incorporates themes. It incorporates our view on the cycle, which is in our view, we're late cycle now, which can be very bullish for returns. And it includes quant factors; things like price target, revisions breadth, earnings revisions breadth, management sentiment.We use a Large Language Model to measure for the first time since inception. We have reviewed the performance of our model over the last just under two years. And our top versus bottom stocks in our model have delivered 47 percent in returns, the top versus bottom performance. So now on the basis of the latest refresh of our model, banks are screening by far at the top.And if you look – whether it's at our sector model or you look at our top 50 preferred stocks in Europe, the list is full of Banks. And I didn't mention this in the thematic portion, but one of the themes in Europe outside of Germany is fiscal constraints. And actually, Banks are positively exposed to that because they're exposed to the steepness – positively to the steepness – of the yield curve.And I think investors – specialists are definitely optimistic on the sector, but I think you're getting more and more generalists noticing that Banks is the sector that consistently delivers the highest positive earnings upgrades of any sector in Europe. And is still not expensive at all. It's one of the cheapest sectors in Europe, trading at about nine times PE – also giving high single digit buyback and dividend yield. So that sector we think continues to have momentum.We also like Defense. We recently upgraded Utilities. We think utilities in Europe is at this interesting moment where in the last six months or so, it broke out of a five-year downtrend relative to the European index. It's also, if you look at European Utilities relative to U.S. Utilities – I mentioned those wide valuation discounts. Utilities have broken out of their downtrend in terms of valuation versus their U.S. peers. But still trade at very wide discounts. And this is a sector where it has the highest CapEx of any sector in Europe – highest CapEx growth on the energy transition. The market has been hesitant to kind of benefit the sector for that because of questions around returns, around renewables earlier on. And now that there's just this endless demand for power on the back of powering AI, investors are more willing to benefit the sector for those returns.So, the sector's been a great performer already year to date, but we think there's multiple years to go.Paul Walsh: Marina, a very comprehensive overview on the outlook for European equities for 2026. Thank you very much for taking the time to talk.Marina Zavolock: Thank you, Paul.Paul Walsh: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Crypto News: CFTC clears path for ETH, Bitcoin and USDC to be used as collateral in derivatives markets. MAS has expanded Ripple's MPI license which will increase regulated XRP and RLUSD services. JPMorgan CEO Jamie Dimon is promoting blockchain, tokenization, and stablecoins.Brought to you by

Paul and Jay are joined by ESPN1530's Mo Egger as they run through a busy week of news and reaction around the Cincinnati Bengals.-Come to our next live show at BetMGM at The Banks at 10am on Sunday before Bengals-Ravens! Christmas giveaways galore.-Discussing a newsy week for the Bengals-Waiving Jermaine Burton -Concussion protocol again for Tee Higgins-Deflex out of SNF-Trey Hendrickson has surgery, done for the season-Camargo Insurance Run, Pass or Boot: Most likely defensive free agent to be back -- Geno Stone, Joseph Ossai, Cam Taylor-Britt-Mo Egger joins: Rate your belief the Bengals can turn around a contending defense in 2026-Jay's Got Trivia-Growler Bet has a winner-ARBIES from BuffaloWatch and subscribe on YouTube: https://www.youtube.com/@TheGrowlerPodcastThe Growler on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-growler/id1733476604The Growler on Spotify: https://open.spotify.com/show/70iJjqgPQrVzQ2pdOwVvDYLinks to socials, Growl Pal shirts, YouTube, podcast platforms and more: www.thegrowlerpodcast.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this video, Jim Marous broadcasts from Miami's Wynwood Arts District — one of the most vibrant creative hubs in the world. Using the evolution of Wynwood as a backdrop, Jim explores why so many financial institutions struggle to differentiate, why creativity has become a strategic imperative, and how banks can learn from brands and artists unafraid to take bold, distinctive stands. From the history of Wynwood's transformation to the sameness of today's mobile banking experiences, Jim breaks down the hidden cost of playing it safe and what it will take for banks and credit unions to stand out in a crowded, commoditized marketplace. If you want your organization to compete on something other than price, convenience, or compliance, this episode is a wake-up call — and a path forward.

About the Guest(s):Jordan Jackson and Gigi Banks are top high school basketball recruits out of St. James. Jordan is committed to the University of Maryland, while Gigi is exploring programs that align with her growth and style. Both bring unique insights from national competitions like Hoopfest and share strategies for balancing athletics, academics, and NIL opportunities.Episode Summary:In this episode of It's Just Different, Ashley dives into elite high school basketball with Jordan Jackson and Gigi Banks. They discuss Texas vs DMV basketball culture, the benefits of prep school athletics, and navigating the intense schedule and exposure that comes with high-level competition. The conversation also explores choosing the right college program, factoring in playing style, coaching philosophy, and personal growth opportunities. Jordan talks about her journey to Maryland, while Gigi shares her process for finding the ideal fit. Additionally, they discuss balancing NIL opportunities, recovery strategies, and the importance of family and community support in a young athlete's development.Key Takeaways:- Prep schools offer rigorous schedules and resources that prepare athletes for college-level competition.- Choosing the right college program requires consideration of fit, coaching style, and growth potential.- Recovery and physical wellness are critical to maintaining peak performance.- NIL opportunities must be balanced with authentic passion for the sport.- Family and community support play a crucial role in an athlete's journey.Resources for Parents & PlayersJoin the Basketball Parent Community (FREE 7-day trial):https://www.ashleynroberts.com/communityDownload the FREE Guide to Save Money, Time & Stress:https://ashleyroberts.kit.com/subscribeGet the Basketball Parent Toolkit (Your full roadmap):https://www.ashleynroberts.com/produc...Shop DIFFERENT merch (Use code “Podcast” for 15% off):https://itsjustdifferentapparel.com

Bitcoin and Ethereum surged amid anticipation that the US central bank will cut rates tomorrow.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:10 Sponsor: Tangem00:50 Tomorrow01:30 BTC finally turns positive for the year02:20 Trump: The economy is A++++02:45 Consumer sentiment all-time low03:30 Immediate rate cuts is a requirement04:00 Mike Wilson (Morgan Stanley): Labor market bottomed06:20 Rick Reider: Fed has more room to cut08:00 Fed cuts within all-time highs08:45 Bank expectations09:15 Fed may boost bill purchasing09:45 Bullish Sentiment surging10:30 Coinbase x PNC11:10 Banks x Bitcoin12:50 MSTR forced to sell?13:30 Andre Jikh: Strategy Death Spiral16:40 $MSTR has a complicated balance sheet17:30 Tom Lee All IN17:50 Bulls always win18:30 Lyn Alden says to DCA19:45 Outro#ethereum #crypto #bitcoin~Ethereum Surges Ahead of Fed Meeting

In this week's episode of the Coin Stories News Block powered exclusively by Ledn, we cover these major headlines related to Bitcoin, macroeconomics, and global finance: Vanguard Ends Ban on Bitcoin ETFs Bank of America Recommends Up to 4% Bitcoin Allocation Larry Fink: "Sovereign Wealth Funds Are Buying the Dip" CFTC Greenlights Spot Trading on Regulated Exchanges Strategy Creates USD Reserve ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. My followers get .25% off their first loan. Learn more at www.ledn.io/natalie  ---- Order my new intro to Bitcoin book "Bitcoin is For Everyone": https://amzn.to/3WzFzfU  ---- Read every story in the News Block with visuals and charts! Join our mailing list and subscribe to our free Bitcoin newsletter: https://thenewsblock.substack.com  ---- References mentioned in the episode: Former Vanguard CEO's Bitcoin Comments Vanguard's Current View on Bitcoin Vanguard Will Allow Bitcoin ETFs on its Platform Bank of America Gives Greenlight to Advisors Larry Fink's Comments on Personal Bitcoin Views  Larry Fink's Comments on Sovereign Funds Fink: Sovereign Wealth Funds Have Been Buyers  Bank of America Expands Crypto Access to Clients Fidelity CEO Abigail Johnson's Comments on Bitcoin  CFTC Allows Spot Trading on Regulated Exchanges NVIDIA CEO Jensen Huang Talks Bitcoin  ProCap Financial Closes Transaction Twenty One Capital Closes Transaction Strategy Creates a $1.4B USD Reserve ---- Upcoming Events: Join us at Strategy World 2026 in Las Vegas, Nevada this February 23-26. Use code HODL for discounted passes: https://www.strategysoftware.com/world26  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

On this special segment of The Full Ratchet, the following Investors are featured: Jon Terbell and Ted Clark of FourBridge Partners Lara Banks of Makena Capital Management Jim Tananbaum of Foresite Capital We discuss major conflicts that guests have faced and how they resolved them. The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. We're proud to partner with Ramp, the modern finance automation platform. Book a demo and get $150—no strings attached.   Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

Josh Heupel fire defensive coordinator Tim Banks Vols forward Cade Phillips to have season ending shoulder surgery Who are the top candidates to replace Banks?

The GENIUS Act brings regulatory clarity to stablecoins, but Conduit CEO Kirill Gertman argues that clarity alone won't guarantee success. Banks face a choice between building their own infrastructure or becoming the pipes for others. Kirill Gertman has watched the stablecoin industry evolve from multiple angles. He spent nearly two decades in financial services before founding Conduit in 2021, including six years in crypto and a stint as VP of product at BRD, which became Coinbase Wallet. His company grew 16x in 2024 by solving a practical problem: businesses in emerging markets were accumulating stablecoins to hedge against local currency volatility but couldn't use those balances in their day-to-day operations. Conduit now works with tier-one banks and multinational corporations, processing billions in cross-border payments. And with the GENIUS Act bringing the first comprehensive regulatory framework for stablecoins in the United States, Gertman argues the legislation's passage raises as many strategic questions as it answers—particularly for banks that have been sitting on the sidelines. Today, we'll explore why the GENIUS Act matters, the critical difference between stablecoins and deposit tokens, what strategy banks should actually pursue, and where Gertman sees the industry heading as major players race to build vertically integrated stacks.

Adam Minehardt, Head of Public Policy at Chainlink, and I spoke at SmartCon. We discussed TradFi's adoption of crypto, Chainlink's growth and increasing adoption, and when the CLARITY Act may be passed. Brought to you by