The crypto market is buzzing as major assets shift and traders hunt for the next big moonshot crypto opportunity, with Ethereum showing renewed ratio shifts and Hedera’s HBAR trading volumes picking up. As traders ask “how to buy crypto” in this dynamic landscape, APEMARS ($APRZ) presale is live and gaining momentum, offering a narrative‑driven presale […] The post Moonshot Crypto Alert: APEMARS Presale Rockets 11,700% ROI, Raises $148K as ETH Struggles and HBAR Gains Momentum appeared first on TechBullion.

Nvidia and AMD are leaders in the GPUs, which power large language models and have skyrocketed in demand with the data center buildout.

PayPal is changing its leadership after a disappointing quarter that rattled investors and showed how quickly the online payments boom has cooled. The company will replace Chief Executive Officer Alex Chriss and hand the reins to HP Inc. chief Enrique Lores, as slowing checkout growth, softer US retail spending and a weaker earnings outlook weighed on the stock and raised fresh questions over PayPal’s ability to reignite momentum.PayPal announced that Jamie Miller, the company’s chief financial officer, will serve as interim CEO until Lores takes over on March 1. Weak Results and Leadership Shake-Up Hit PayPal StockThe decision follows a period in which management struggled to convert rising payment volumes into stronger profit and to meet the targets it had set for investors.Newly appointed board chair David Dorman signaled frustration with the pace of change at the company. "While some progress has been made in a number of areas over the last two years, the pace of change and execution was not in line with the Board's expectations," the company mentioned. Investors reacted sharply to the announcement and the numbers. PayPal’s shares was down nearly 20% at press time, dropping to $42.30 after the company reported quarterly profit and revenue that fell short of analysts’ estimates.For context, this is the WORST drop that $PYPL @PayPal has seen in FOUR YEARS. Not surprising that CEO is being replaced... https://t.co/sFE1PwGlcK— BSCN (@BSCNews) February 3, 2026The latest quarter exposed how macroeconomic pressures and changing consumer behavior weigh on PayPal’s core business. The company pointed to weakness in US retail spending as a drag on performance, alongside international headwinds that hit transaction volumes and margins.Continue reading: Crypto.com Enables PayPal Payments for Crypto Purchases in EUMiller had already warned in October that macroeconomic conditions could make the company’s longer-term targets harder to reach. Since then, the environment has not improved enough to offset the structural challenges of monetizing payments amid rising costs and intense competition.Profitability Under Pressure and Guidance ResetThe financials highlighted a squeeze on profitability. Fourth-quarter earnings per share increased 3% to $1.23, with total revenue rising 4% to $8.9 billion, both below analyst expectations for the three-month period. The company also reported full-year earnings per share of $5.31, missing its own guidance range of $5.35 to $5.39 issued in October.Despite the disappointing earnings, PayPal continued to pursue strategic initiatives aimed at broadening its revenue base. During the quarter, the company applied to become a US bank with the Federal Deposit Insurance Corp. and the Utah Department of Financial Institutions. It already holds a banking license in Europe. This article was written by Jared Kirui at www.financemagnates.com.

A London-based startup that automates R&D tax credits for tech companies has emerged out of stealth, with $1m in pre-seed funding, including backing from Andreessen Horowitz's (a16z’s) accelerator. TaxNova has raised funding from a16z’s accelerator, a16z speedrun, early-stage angel fund, s16vc, accelerator Karaoke Club, and more than 20 CTO and CFO operators and investors from Revolut, digital whiteboard maker Miro, and other tech firms.  TaxNova has also entered into a16z’s accelerator programme.   R&D tax credits are government incentives that lower a company’s tax bill. Companies in the UK claimed £7.6 billion in R&D tax relief in 2023-24, figures show. TaxNova says the existing process for claiming R&D tax credits is long-winded, saying companies must gather documented qualified research expenses and supporting records to apply, which often requires engineering teams to reconstruct months of work from memory.   It says that most rely on inefficient processes, running an increasing risk of audit from tax authorities and wasting engineering time. It also says that tech companies are missing out on billions of pounds of unclaimed tax credits. TaxNova says its solution can speed up the claims process from months to weeks. Its solution is to connect directly to the tools engineers already use, including GitHub, Jira, Linear, Slack, and Notion, to automatically pull out the qualifying R&D work.    The platform leverages AI to identify projects, calculate eligible costs, and produce audit-ready documentation without pulling engineers away from shipping.   It says that its tech creates an audit trail linking every claim back to source documentation. It works alongside existing tax advisers rather than replacing them and has concluded a partnership pilot with a top-5 R&D tax advisory firm, it says. The startup was founded by George Nichkov, CEO, a former consultant, and computer engineer, Marya Malykh, CTO. Nichkov said: “TaxNova AI-powered platform extracts data from your existing systems to maximise R&D tax claims without wasting engineers’ time. 75 per cent of time is lost on data collection and we’re solving this bottleneck."

Teciem has launched today as an independent company, following the acquisition of Finastra’s Treasury and Capital Markets (TCM) division by the Apax Funds. The investment will support product development and the growth of its 1,300-strong team, including all senior leaders who are moving from Finastra. From its first day, Teciem serves more than 340 financial institutions, including 70 of the world’s top 100 banks. Its software portfolio, including Kondor, Summit, Opics, Sophis, Fusion Risk and Fusion Invest, covers treasury, capital markets, risk management, regulatory compliance, and investment management operations. Headquartered in London, Teciem is led by CEO Wissam Khoury, who brings 25 years of experience in fintech. Having served as EVP of Finastra’s TCM unit for four years, Khoury built the leadership team and prepared the business for its transition. Wissam Khoury “As a standalone business dedicated to providing industry-leading treasury and capital markets software and services, Teciem is focused on delivering excellence and accelerating innovation across our product portfolio,” said Khoury. “With the backing of Apax and their expertise in supporting technology businesses, we’ll be investing further in product development and technology, delivering even greater value to our customers.”       Featured image credit: Edited by Fintech News Switzerland, based on image by lifeforstock via Freepik The post Teciem Launches as Standalone Firm After Apax Acquires Finastra’s TCM Division appeared first on Fintech Schweiz Digital Finance News - FintechNewsCH.

Thailand’s Securities and Exchange Commission (SEC) is preparing regulatory changes that would let ESG funds invest in JUMP+ companies with strong governance scores. The SEC is drafting new rules to allow Thai ESG Funds to invest in listed companies participating in the JUMP+ Program run by the Stock Exchange of Thailand, provided they achieve a Corporate Governance Report score of at least 90. The amendments were approved in principle by the Capital Market Supervisory Board in December 2025 and are expected to take effect in March 2026, once the SEC finalises the relevant rules and notifications. If implemented, shares of qualifying JUMP+ companies would become eligible assets for Thai ESG Funds. The move would expand the investment scope of ESG funds while encouraging listed companies to strengthen governance and pursue structured growth plans with ongoing disclosure to investors. As of 26 January 2026, there were 77 Thai ESG Funds, including the Thailand ESG Extra Fund. They are managed by 19 asset management companies with a combined net asset value of about THB 103.1 billion, up 249 percent from the end of 2024. Currently, Thai ESG Funds can invest in shares of listed companies with strong environmental or ESG performance. They can also invest in sustainability related debt instruments and sustainability related investment tokens. Eligible assets also include units of infrastructure funds and real estate investment trusts with ESG credentials. The JUMP+ Program supports listed companies in developing long-term growth strategies. It focuses on improving governance and strengthening transparency through regular communication with investors. Participating companies must submit their JUMP+ plans by 31 March 2026.     Featured image: Edited by Fintech News Singapore, based on image by farknot via Freepik   The post Thai SEC Links ESG Fund Access to Corporate Governance Scores appeared first on Fintech Singapore.

Data, analytics, and technology company Equifax unveiled Credit Abuse Risk, a new solution to help lenders fight first-party fraud. The new offering leverages machine learning to identify common first-party fraud tactics such as credit washing and loan stacking. News of Equifax’s Credit Abuse Risk predictive model comes on the heels of the launch of the company’s Synthetic Identity Risk tool. The solution empowers institutions to identify when fraudsters are using fake identities to set up credit accounts and obtain loans. A new offering from international data, analytics, and technology company Equifax will help protect lenders from first-party fraud. Credit Abuse Risk is a new predictive model that leverages FCRA-regulated data to spot fraud tactics such as credit washing and loan stacking. The model will help lenders make more confident lending decisions. “By focusing on application behavior in real time, Credit Abuse Risk quickly helps to reduce the potential for fraud and related costs,” Equifax Chief Product Officer for US Information Solutions Felipe Castillo said. “This supports a more confident lending environment and helps keep credit available for consumers.” In a world of phishing and deepfakes, first-party fraud is a type of financial crime that often goes overlooked in conversations about fraud prevention. First-party fraud, unlike third-party fraud, involves fraud committed by the actual customer or account holder rather than by an external party impersonating someone else. Credit Abuse Risk is designed to detect two specific forms of first-party fraud: loan stacking, in which an individual applies for multiple loans in a short period of time with no intention of repaying the debt, and credit washing, in which an individual attempts to remove accurate but negative information from their credit report. Credit Abuse Risk identifies the behaviors associated with these types of fraud during prequalification, account origination, or portfolio review, enabling lenders to adjust loan terms based on FCRA-compliant insights. Powered by machine learning, Credit Abuse Risk offers enhanced insights derived from behavioral indicators that detect atypical credit activity, and provides targeted decisioning that addresses the lifecycle of fraud. Credit Abuse Risk features comprehensive portfolio protection covering all credit tiers and actionable intelligence that empowers lenders to make real-time, regulated decisions on credit terms. This includes FCRA-compliant scoring with adverse action reason codes to ensure transparency in the event of application denials, restrictive credit term modifications, and related actions. Credit Abuse Risk is part of Equifax’s suite of fraud solutions and works alongside the company’s Synthetic Identity Risk tools. Introduced earlier this month, Equifax’s Synthetic Identity Risk uses machine learning algorithms to detect fraud patterns—such as those related to synthetic identity fraud—that are often difficult to spot using traditional methods. Synthetic identity fraud occurs when a fraudster combines aspects of a real identity with fake data to create a new, fictitious identity. The fraudster then uses these fictitious identities to open credit accounts and secure loans on which they eventually stop making payments. The fact that these synthetic identities often include real data and appear in mostly legitimate means that these frauds can be difficult to detect and can persist for long periods of time. Equifax estimates that charge-offs per known synthetic identity cost companies on average $13,000. “Synthetic identity fraud is a rapidly growing threat impacting the consumer lending ecosystem,” Castillo said. “With Synthetic Identity Risk, Equifax strengthens lenders’ fraud defenses, helping them to uncover hidden risks and ultimately shift from reactive loss recovery to proactive prevention. In doing so, they not only reduce their financial losses but they (also) safeguard and build long-term trust with their legitimate customers.” Headquartered in Atlanta, Georgia, Equifax made its Finovate debut at FinovateFall 2011 in New York. The company’s differentiated data, analytics, and cloud technology help financial institutions, companies, employers, and public agencies make better decisions with more confidence. Along with Experian and TransUnion, Equifax runs one of the three major credit reporting agencies in the US, has nearly 15,000 employees around the globe, and operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia-Pacific region. Equifax is publicly traded on the NYSE under the ticker EFX and has a market capitalization of $24 billion. Photo by Growtika on Unsplash The post Equifax Unveils Credit Abuse Risk to Combat First-Party Fraud appeared first on Finovate.       

The rapidly growing crypto network achieves a billion-dollar valuation milestone. Highlights: Crypto network Mesh achieved unicorn status after recent funding. The company’s valuation surpassed $1 billion. Investment signals strong growth in the cryptocurrency sector. Crypto network Mesh has officially reached unicorn status, valued at over $1 billion following its latest funding round. The investment highlights the increasing appetite for blockchain technology and innovative financial solutions in the cryptocurrency market. Mesh’s rapid growth reflects strong investor confidence as the demand for decentralized finance continues to rise. This milestone marks a significant moment in the fintech industry, as more companies seek to innovate within the digital currency space.

YC-backed Givefront is building a fintech designed specifically for nonprofits, including food banks, churches, and homeowner associations.