In this episode of The Founder's Hour, hosts Laura Cicirelli and Eric Weiner discuss SAFEs and convertible notes as early stage funding options, explaining the similarities and differences between the two. They cover both the basics and the nuances of these instruments, as well as their impacts on the founders that sell them and the investors that buy them....By: Lowenstein Sandler LLP

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Astronauts from NASA's first crewed Artemis flight largely sidestepped a question about the diversity of the future astronauts assigned to the upcoming moon-landing mission. Speaking at a news conference days after their return to Earth, the Artemis II astronauts —  Commander Reid Wiseman, pilot Victor Glover, mission specialist Christina Koch, and Canadian astronaut Jeremy Hansen — were asked whether the U.S. space agency should uphold its pledge to land the first woman and first person of color on the moon, a goal NASA has recently deemphasized. The moment highlighted an issue NASA has avoided publicly clarifying. The Artemis program's first landing mission is expected as early as 2028."That's a great question," Koch told Mashable. "Our understanding of that statement was basically that the Artemis campaign as a whole will usher in an era where that is true, and that it will happen naturally because of our astronaut corps."Though Mashable sought each astronaut's opinion, only Koch answered before the moderator moved on to another reporter's question. SEE ALSO: A girl asks for Pluto to regain its planet status. NASA chief: We're looking into it. Before 2025, NASA had consistently described the first Artemis lunar landing as putting the first woman and first person of color on the moon. But over the past year, that language has largely disappeared from agency materials, following a White House executive order that curtailed diversity, equity, and inclusion programs across federal agencies. The directive labeled such programs "illegal and immoral."The Artemis II crew itself marked a milestone. The mission was the first deep-space flight not composed entirely of white men. Koch became the first woman and Glover the first Black person to travel beyond low-Earth orbit. Their assignment to the lunar flyby crew occurred in 2023, during President Joe Biden's administration.  The Artemis II crew, clockwise: Christina Koch, Victor Glover, Jeremy Hansen, and Reid Wiseman. Credit: Josh Valcarcel Both have downplayed the historical significance of their distinctions in past interviews, focusing instead on the technical goals of the mission. Leading up to the launch, they often wouldn't elaborate on what those "firsts" meant specifically for women and people of color. On Thursday, however, Koch seemed confident the milestone will happen, regardless of intention. "The fact is we don't have to try too hard to make that come true, to make that be the reality of this mission. We actually have to try harder to not make that true in the astronaut corps that we have." "The fact is we don't have to try too hard to make that come true, to make that be the reality of this mission," she said. "We actually have to try harder to not make that true in the astronaut corps that we have." Floating in the Orion spacecraft, the four Artemis II astronauts embrace in weightlessness. Credit: NASA Artemis II, a roughly 10-day mission around the moon and back, was NASA's first crewed journey beyond low-Earth orbit in more than a half-century. The $4.1 billion test flight vetted the Orion spacecraft's life‑support, power, navigation, and steering systems. The mission took the capsule past Apollo‑era distances, reaching a farthest point of about 252,756 miles. NASA has not yet announced crews beyond Artemis II. The next mission, Artemis III, will serve as a 2027 flight demonstration for docking Orion with commercially built lunar landers while in low-Earth orbit. Artemis IV is expected to attempt the program's first lunar landing the following year. Agency officials have said assignments will be based on mission needs but have not addressed whether earlier commitments about representation remain in place.

Private markets are often defined by one persistent complaint: illiquidity. Founders want more flexi...

Launching and scaling new products isn’t as simple as developing a new tool and making it live. There are plenty of tasks that need to be considered alongside the actual product release, including governance and compliance, marketing and social campaigns, consumer testing and surveying, finding and fixing vulnerabilities, and consumer follow-up. At FinovateSpring 2026 in San Diego, we’re hosting five fintechs that are making this next phase of product launches possible. Check out the variety of capabilities and learn more about the companies behind them below. PentEdge PentEdge AIMS gives community banks and credit unions an examiner-ready AI governance platform that’s purpose-built for the $500 million to $100 billion institutions navigating federal AI risk guidance. Founded in 2025, the North Creek, New York-based company delivers a real-time scoring dashboard with a view of AI exposure across a portfolio, offers pre-built vendor AI risk profiles, and provides audit-ready PDFs for examiners. Intention.ly Intention.ly’s Advisor Brand Builder (ABB) helps firms build a differentiated brand, website, and content engine in a matter of days to enable advisors to attract ideal clients and outpace competitors. Among the company’s engagement options are a diagnostic assessment, a fractional CMO and COO, an outsourced marketing team, and more. Headquartered in King of Prussia, Pennsylvania, Intention.ly was founded in 2021. PwC Customer Link by PwC offers banks a set of “synthetic customers” through which they can test products, pricing, and experiences. Firms can use results to quickly generate quant data and turn survey crosstabs into clear, segment-specific growth actions. Founded in 1998, PwC provides clients with a wide range of capabilities, including consulting, cybersecurity, AI, audit, and more. The company is headquartered in New York. Rezliant Rezliant’s Maestro Pulse helps fintechs, payment providers, and small financial institutions automatically fix security vulnerabilities in their codebases, PII (Personally Identifiable Information) data flows, and API integrations. The company provides contextualized triage of fintech vulnerabilities, automates remediation of multiple critical flaws simultaneously, and delivers effortless two-click fixes directly from email notifications. Headquartered in Mesa, Arizona, Rezliant was founded in 2023. Kato Founded in 2024, Kato helps lenders scale with compliance-first automation. The San Francisco-based company’s technology helps firms reduce servicing costs up to 80%, increasing recoveries by 1%, and freeing agents to focus on high-value work. Why banks should care While it seems like the hard work of a new product launch is the planning and development phase, the reality is that execution is where most initiatives succeed or fail. Banks are expected to move faster, create and develop more frequently, and deliver better customer experiences. Doing so, however, requires navigating compliance requirements, validating product-market fit, securing systems, and effectively bringing products to market. Platforms that support these adjacent functions help reduce the friction that often slows product launches. They enable banks to move from idea to execution more efficiently, while minimizing risk and ensuring alignment with regulatory expectations. In an environment where speed and precision both matter, having the right infrastructure around product launches can be the saving grace that changes a product from a failure into a success. Want to attend? Now is the time to lock it in. Get 40% off this week only with code FKV2794ART (ends April 17): https://informaconnect.com/finovatespring/purchase/select-package/?vip_code=FKV2794ART Photo by Monstera Production The post Five Fintechs Helping Banks Build and Launch Better Financial Products appeared first on Finovate.       

Linking Gemini directly to a user's photo library represents a bigger step in the AI chatbot link to private information.

Minnesota state prosecutors continue to investigation the killings of Renee Good and Alex Pretti by federal agents in Minneapolis.

Cybersecurity researchers have warned of an active malicious campaign that's targeting the workforce in the Czech Republic with a previously undocumented botnet dubbed PowMix since at least December 2025. "PowMix employs randomized command-and-control (C2) beaconing intervals, rather than persistent connection to the C2 server, to evade the network signature detections," Cisco Talos

See more visuals like this on the Voronoi app. Use This Visualization Ranked: The World’s Biggest Natural Gas Producers See visuals like this from many other data creators on our Voronoi app. Download it for free on iOS or Android and discover incredible data-driven charts from a variety of trusted sources. Key Takeaways The U.S. produces 25% of global natural gas, far ahead of any other country. Its output is nearly equal to Iran and China combined. Global supply is concentrated among a small group of producers, shaping energy markets and LNG trade. The U.S. has pulled far ahead as the world’s largest natural gas producer, accounting for a quarter of global supply in 2024. This chart ranks the top gas-producing countries using the latest available data from the U.S. Energy Information Administration, showing how output is concentrated among a handful of players that anchor global energy markets. That dominance is becoming more important as disruptions in the Middle East tighten supply and shift trade flows toward large, stable producers like the United States. The U.S. is the World’s Largest Natural Gas Producer The U.S. isn’t just the top producer. It operates at a completely different scale. In 2024, it produced 37,751 billion cubic feet of natural gas, more than 1.6x Russia and nearly equal to the combined output of Iran and China. No other country comes close. The gap between the U.S. and Russia alone is larger than the total output of most top-10 producers. The data table below shows the ranking of natural gas production by country in 2024 in billion cubic feet: RankCountryNatural Gas Production in 2024 (billion cubic feet) 1 United States37,751 2 Russia22,672 3 Iran9,853 4 China9,111 5 Canada7,028 6 Qatar6,003 7 Australia5,368 8 Norway4,626 9 Saudi Arabia4,344 10 Algeria3,496 11 Malaysia2,860 12 Turkmenistan2,755 13 Indonesia2,472 14 United Arab Emirates2,084 15 Argentina1,660 16 Egypt1,660 17 Uzbekistan1,624 18 Oman1,554 19 Nigeria1,377 20 Azerbaijan1,342 21 India1,271 22 United Kingdom1,095 23 Mexico1,095 24 Kazakhstan1,024 25 Thailand953 26 Israel953 27 Trinidad and Tobago883 28 Venezuela883 29 Pakistan848 30 Brazil777 31 Bangladesh706 32 Kuwait706 33 Bahrain671 34 Ukraine636 35 Peru494 36 Myanmar459 37 Libya424 38 Bolivia388 39 Brunei388 40 Papua New Guinea388 41 Colombia353 42 Iraq353 43 Netherlands343 44 Romania325 45 Equatorial Guinea237 46 Vietnam226 47 Angola205 48 Poland184 49 Germany145 50 Syria131 51 Ghana120 52 New Zealand117 53 Ivory Coast95 54 Italy92 55 Cameroon88 56 Turkey81 57 Denmark78 58 Tanzania71 59 Japan67 60 Congo64 61 Hungary60 62 Philippines60 63 Tunisia42 64 Mozambique42 65 Chile39 66 Ireland39 67 Cuba35 68 Croatia25 69 Gabon18 70 Austria18 71 Serbia11 72 Ecuador11 73 Czechia7 74 Jordan7 After the top four, production drops off sharply, with no country exceeding 7,500 billion cubic feet. Canada and Qatar lead the second tier, followed by a mix of LNG exporters and regional suppliers. This steep decline underscores how concentrated global supply is at the very top. Together, those countries form the core of the global gas supply system, spanning North America, Eurasia, the Middle East, and key LNG-exporting hubs. America’s Shale Helped Redraw the Production Map U.S. natural gas output has roughly tripled since 2005 as hydraulic fracturing unlocked shale formations that were previously uneconomical. This surge helps explain why the U.S. stands so far ahead of other producers and why it has become central to both pipeline and LNG flows. Recent tensions in the Middle East have disrupted natural gas infrastructure and shipping routes, particularly around the Strait of Hormuz, a key chokepoint for global energy trade. With flows constrained, global markets are leaning more heavily on large, stable producers. This dynamic further amplifies the role of the U.S., which leads both in natural gas output and LNG export capacity. As supply risks persist, this concentration is becoming more consequential. Countries with large, stable production, especially the U.S., are playing a growing role in balancing global energy markets and meeting LNG demand. Learn More on the Voronoi App If you enjoyed today’s post, check out U.S. Natural Gas Trade with North America (1985-2024) on Voronoi.

The European Banking Authority (EBA) today published a draft technical package for version 4.3 of its reporting framework, covering anti-money laundering (AML) and third country branches (TCB) reporting. This early release is intended to support reporting entities in preparing for upcoming changes ahead of the final publication, scheduled for June 2026. The EBA The EBA invites stakeholders to provide feedback on both the draft technical package and the accompanying glossary.

Today, Unconventional Ventures (UV) announced the second close of Unconventional Ventures Fund II. In a challenging global climate — marked by economic uncertainty and tightening capital markets — this close represents more than a fundraising milestone. It signals strong conviction that backing underinvested founders building scalable, category-defining companies remains a resilient and forward-looking investment thesis. The firm welcomed new investors joining Fund II, including Wire Group, Investinor, FÆRCH OG DØTRE, and Merete Lundbye Møller. Investinor, a Norwegian government-backed venture capital investor, is committed to identifying and supporting companies with the potential to grow into world-leading businesses. The firm continues its partnership with Unconventional Ventures, having been a valued investor since Fund I. Wire Group, a Netherlands-based impact investing firm, is known for its focus on diversity and inclusion, as well as measurable social and environmental impact. Ronald Janse, Chief Conscious Capital at Wire Group, commented: “We’re thrilled to join the UV team in their second fund. The fund’s thesis is a perfect match for our Wire Thrive Fund II: investing in underrepresented founders who are building meaningful, future-shaping companies. UV’s rare combination of inclusion and impact—paired with an exceptional team—makes us genuinely excited to participate in this closing.” The firm also expressed gratitude to its existing Fund II LPs and its broader community of family offices, whose continued support underpins its mission. Unconventional Ventures maintains that the next generation of scalable, sustainable companies will emerge from ambitious founders who have too often been overlooked, and remains committed to identifying and backing them while contributing to a more equitable and sustainable future.

UnauthorizedThis firm may be providing or promoting financial services or products without our permission. You should avoid dealing with this firm and beware of scams. Almost all firms and individuals must be authorised or registered by us to carry out or promote financial services in the UK. This firm is not authorised by us and may be targeting people in the UK. Search our Warning List for other unauthorised firms and individuals we're aware of. Unauthorised firm details Name: Elitestartlimited.com Address: Bedford i-Lab, Priory Business Park, Bedford, MK44 3RZ Email: support@elitestartlimited.com Website: www.elitestartlimited.com Other Information: Please note, this consumer warning relates solely to the website operating at www.elitestartlimited.com Some firms may give incorrect contact details including postal addresses, telephone numbers and email addresses. They may change these contact details over time. They may also give you details that belong to another business or individual, so the information looks genuine. What this means for you If you deal with this firm, you won't have access to the Financial Ombudsman Service if you want to complain. You also won't be protected by the Financial Services Compensation Scheme (FSCS) if things go wrong. This means it's unlikely you'd get your money back if the firm goes out of business. If you sent money to a fraudster on or after 7 October 2024, you may be covered by protections introduced by the Payment Systems Regulator (PSR). Find out what to do if you've been tricked into making a payment to a scam account. How to protect yourself You should only deal with financial firms that are authorised by us. If a financial firm is authorised by us, it gives you greater protection if things go wrong. You can use the FCA Firm Checker to make sure a financial firm is authorised by us and has our permission to provide the services you're looking for. You'll also be able to find: information on how you're protected contact details for authorised firms If you're contacted unexpectedly by a financial business, make sure you reply using the contact details on the Firm Checker. Find out more about how to protect yourself from scams. Report an unauthorised firm If you think you've been approached by an unauthorised firm, call us on 0800 111 6768, or use our contact form.

At first glance, T1 Payments may look like an old story from the heyday of binary options, high-risk MLM, and aggressive offshore processing. Its glory days as one of the major high-risk payment processors are long over. But the case is far from dead. Courts in the U.S. and Europe are still dealing with the wider fallout, including the role of its long-time partner Payvision. And now, fresh developments — from renewed U.S. litigation pressure and bankruptcy fallout to overdue accounts and revealing disclosures at Pixxles — are turning this supposedly closed chapter into a hot case once again. That is why Key Findings Pixxles is FCA-authorised as an Authorised EMI, making the quality and transparency of its disclosures especially important. The 2023 accounts identify Amber Fairchild as the ultimate controlling party and disclose material related-party balances and expenses with counterparties left unnamed. Those same accounts disclose £1,276,606 in other debtors paid to a company with a common shareholder and director, £618,765 in intermediary service fees paid to a company with a common shareholder and director, and £59,961 owed to one of the directors on an unsecured, interest-free, on-demand basis. Pixxles reported 2023 turnover of £1,886,496, a loss of £389,165, debtors of £3,359,951, and creditors due within one year of £3,968,629, ending the period with net liabilities rather than positive net assets. The 2023 accounts were filed only on 28 July 2025, and the next accounts for the period to 29 December 2024 are already several months overdue. Pixxles was also hit with a First Gazette notice for compulsory strike-off in March 2025 before that action was discontinued. In Nevada federal litigation, Pixxles Ltd, Pixxles LLC, Amber Fairchild, and Donald Kasdon remain tied to the New U Life case, where amended civil theft and federal RICO claims survived dismissal. As FinTelegram recently reported, the wider T1 Payments saga has entered a post-bankruptcy fallout phase, including renewed merchant-case pressure and a March 30, 2026 default judgment against T1 in related litigation. A Regulated EMI Sitting In The T1 Blast Radius There are routine small-company accounts, and then there are accounts that look like they were filed from inside a live legal minefield. Pixxles’ 2023 financial statements belong in the second category. On paper, Pixxles is a UK company authorised by the FCA as an Authorised Electronic Money Institution. In reality, the company sits inside a much darker story: the collapse of T1 Payments, the personal and corporate links around Donald Kasdon, the role of Amber Fairchild, and U.S. lawsuits that keep naming the same cluster of people and entities. That is what makes these accounts so important. They are not just a filing. They are a glimpse into a regulated payments company operating in the long shadow of a collapsed high-risk processing network. The Explosive Core: Large Related-Party Transactions, But No Real Names The 2023 accounts are revealing because they do not just show a loss-making regulated firm. They show a company with a balance sheet heavily exposed to related-party dynamics, while leaving readers largely in the dark about who those related parties actually are. In Note 20, Pixxles says that other creditors include £59,961 owed to one of the directors, unsecured, interest free, and repayable on demand. It also says that other debtors include £1,276,606 paid to a company with a shareholder and director in common, and that administrative expenses include £618,765 in intermediary service fees paid to a company with a common shareholder and director. The same note begins a further line on commission fees of £110…, but the uploaded XHTML cuts off before the full figure can be read. In Note 21, the accounts state plainly that “The ultimate controlling party is A Fairchild.” That is the heart of the story. The accounts disclose major insider-linked balances and expenses, but do not properly identify the counterparties. In a normal private company, that would already warrant scrutiny. In an FCA-regulated EMI operating under the shadow of U.S. lawsuits and bankruptcy fallout, it becomes a major transparency problem. The Numbers Behind The Red Flags The wider financial picture only sharpens the concern. Pixxles reported: Turnover: £1,886,496 Gross profit: £1,149,751 Administrative expenses: £1,538,916 Loss for the period: £389,165 On the balance sheet, the company reported: Debtors: £3,359,951 Creditors due within one year: £3,968,629 Net position: net liabilities rather than positive net assets This is not the profile of a comfortably ring-fenced regulated institution. It is the profile of a company whose finances appear deeply interwoven with others and whose short-term obligations weigh heavily on the business. That is precisely why the related-party note matters so much. The real issue is not whether such transactions exist. The real issue is who the counterparties were, what they were doing for Pixxles, whether the transactions were arm’s length, and whether the company depended on a wider insider-affiliate network to function. Amber Fairchild, Donald Kasdon, And The Wider Litigation Network Readers should not view the accounts in isolation. As FinTelegram recently reported in its latest T1 case note, the broader T1 Payments story has shifted from operating history to post-bankruptcy fallout. Nevada court records show that T1’s Chapter 7 case was treated as closed by June 10, 2025, that stayed merchant litigation restarted, and that one related action ended in a March 30, 2026 default judgment against T1. Pixxles sits squarely inside that same blast radius. In the New U Life litigation, the Nevada federal court’s September 29, 2024 order states that amended civil theft and federal RICO claims, including against Pixxles LLC and Pixxles LTD, survived dismissal. The order records that Kasdon, Fairchild, King, and the Pixxles entities moved to dismiss and lost at that stage. That does not establish liability, but it does show that the court found the pleadings sufficient for the case to continue. This is where the personal links become more than gossip. Pixxles’ own accounts say A Fairchild is the ultimate controlling party. U.S. litigation places Amber Fairchild in the same defendant and counterclaim-defendant constellation as Donald Kasdon and the Pixxles entities. The concern is therefore not merely that Fairchild and Kasdon were personally connected. The concern is that the company’s own financial disclosures, the corporate-control record, and the live U.S. litigation all point to a business whose true economic perimeter may be much wider than the face of the accounts suggests. Overdue Accounts And Administrative Stress Signals Then there is the timing problem. Companies House shows that the 2023 accounts were filed only on 28 July 2025 after a string of accounting-period changes. The next accounts, made up to 29 December 2024, were due by 24 January 2026 and remain overdue. That alone is a red flag for a regulated payments firm. But there is more. In March 2025, Pixxles was hit with a First Gazette notice for compulsory strike-off, only for that action to be discontinued days later. None of this proves misconduct by itself. But it is exactly the kind of administrative and reporting instability that regulators, claimants, and counterparties notice when they are trying to assess whether a regulated EMI is operating on a solid footing. What The Pixxles Accounts Really Tell Us So what do the 2023 Pixxles accounts actually tell us? They tell us that this is not a neat, self-contained EMI story. They tell us that a regulated payments company controlled by Amber Fairchild reported large balances and expenses linked to unnamed common-control counterparties, while the wider T1/Kasdon litigation machine kept running in the background. They tell us that the balance sheet looked stretched, the reporting cycle became erratic, and the next accounts are already late. And they tell us that anyone trying to understand the big picture — from T1 plaintiffs to regulators — should not read Pixxles as an isolated regulated firm, but as part of a wider, still-contested network. Latest Status Company: Pixxles LtdStatus: Active at Companies House; accounts overdue.Regulatory status: FCA-authorised Authorised Electronic Money Institution.Controlling party per 2023 accounts: A Fairchild2023 filing date: 28 July 2025Next accounts due: 24 January 2026 for the period made up to 29 December 2024; currently overdue.Key concern: large unnamed related-party balances and expenses disclosed in a regulated firm linked to live U.S. litigation around the T1/Kasdon network.Why it matters: readers can see signs of concentrated control, related-party opacity, late reporting, and litigation overlap — all at once. Boxed Explainer: What The Pixxles Related-Party Note Tells Us The most explosive part of the 2023 Pixxles accounts is not the loss figure. It is the related-party note. That note shows that Pixxles had substantial financial dealings with affiliates tied by common ownership or management, but it does not properly identify those counterparties. The company says it had £1.28 million in other debtors paid to a company with a shareholder and director in common and £618,765 in intermediary service fees paid to a company with a common shareholder and director. It also discloses a director-linked balance of £59,961, unsecured, interest-free, and repayable on demand. For FinTelegram, that is the real headline: a regulated EMI disclosing large insider-linked exposures while keeping the names in the shadows. In a litigation-heavy environment involving T1, Kasdon, Fairchild, and Pixxles, that is not a footnote. That is the story. Chronology 30 March 2026 — Related T1 litigation produces a default judgment against T1, reinforcing the post-bankruptcy fallout context around the wider network.FinTelegram is revisiting it now. 4 October 2018 — Pixxles Ltd incorporated in the UK. 15 June 2021 — FCA register shows Pixxles as an Authorised Electronic Money Institution. 29 September 2024 — Nevada federal court denies dismissal motions in T1 Payments v. New U Life and allows amended civil theft and RICO claims, including against Pixxles LLC and Pixxles LTD, to proceed. 25 March 2025 — Companies House issues a First Gazette notice for compulsory strike-off. 29 March 2025 — Strike-off action discontinued. 28 July 2025 — Pixxles files its full accounts made up to 28 October 2023. 24 January 2026 — Deadline for next accounts, made up to 29 December 2024. Accounts now overdue. Entity Map Entity / PersonRole in the StoryWhy It MattersPixxles Ltdwww.pixxles.comUK company and FCA-authorised electronic money institutionThe main subject of this report. Its 2023 accounts disclose large related-party balances and expenses with unnamed common-control counterparties, while its 2024 accounts are overdue.Amber FairchildDirector and ultimate controlling party of PixxlesIdentified in the 2023 accounts as the ultimate controlling party. Also appears in the U.S. litigation orbit alongside Donald Kasdon and the Pixxles entities.Donald KasdonFounder and former CEO of T1 PaymentsCentral figure in the wider T1 Payments story and the U.S. litigation and bankruptcy fallout. His connections to Pixxles and Amber Fairchild are part of the broader network readers need to understand.T1 PaymentsCollapsed U.S. high-risk payment processorThe core legacy entity in the story. Its bankruptcy and renewed litigation exposure provide the wider context for why Pixxles matters today.PayvisionFormer European processing partner of T1 PaymentsImportant because courts in the U.S. and Europe are still dealing with the wider T1/Payvision fallout, keeping the old case alive and relevant again.Pixxles LLC / Pixxles LTDRelated Pixxles entities named in U.S. litigationNamed in the Nevada New U Life litigation as part of the wider dispute constellation around T1 Payments, Kasdon, and related parties.New U LifeU.S. litigation counterpartyOne of the most important public court cases tying together T1 Payments, Donald Kasdon, Amber Fairchild, and the Pixxles entities.Gaia Ethnobotanical / Vida DivinaMerchant plaintiffs in related U.S. litigationTheir cases help show the post-bankruptcy fallout around T1 Payments, including the March 30, 2026 default judgment against T1. Call for Information FinTelegram invites whistleblowers, former employees, merchants, compliance officers, auditors, and counterparties with information on Pixxles, T1 Payments, Amber Fairchild, Donald Kasdon, or related entities to contact us via Whistle42. Confidential submissions help expose the structures, relationships, and payment flows hidden behind the formal corporate record. Share Information via Whistle42

Under the Consumer Duty, firms must report annually on what their monitoring found about customer outcomes, and what actions they’ll take as a result.Good Consumer Duty Board reports provide clear evidence about outcomes – helping to turn governance into real change. Boards can ask better questions, hold people to account, and act quickly to make sure they aren’t causing harm or offering poor value. We’ve seen this lead firms to design better products, communicate more clearly and support their customers better. This means they fix issues sooner, and customers are more likely to get fair value and the help they need.With the third cycle of Consumer Duty Board reports on the horizon, now is a good moment to pause and reflect on what we’ve learned from year 2.The good news: the Duty is making a difference. Firms are continuing to mature in how they use data and insights to understand their customers' experiences. Boards are more actively shaping and scrutinising this work.Still, some areas need more attention to ensure reporting is genuinely outcome‑focused. Here’s where firms have made progress compared to our review of first year board reports, and where concentrating effort now will help them prepare for the next round of reporting.

Das Staatssekretariat für Wirtschaft (SECO) hat eine Änderung der Liste der sanktionierten natürlichen Personen, Unternehmen und Organisationen der Verordnung vom 21. März 2025 über Massnahmen gegenüber Personen und Organisationen, die mit den Taliban in Verbindung stehen (SR 946.231.07), publiziert. 

the british virgin islands financial services commission (bvi fsc) published details of general licences no. 12 (2026) and no. 11 (2025), issued under the authority of the governor. these licences outline specific permissions and conditions for activities related to sanctions compliance, including the supply of russian oil under price cap regulations and the payment of legal fees for designated persons. below is a summary of their key provisions: summary of general licences no. 12 (2026) and no. 11 (2025) general licence no. 12 (2026) - oil price cap issued on 30 january 2026, this licence permits the supply, delivery, and associated services for russian oil and oil products, provided the price cap terms are met. key provisions include: scope: allows transactions involving russian oil by ship between third countries, provided the unit price is at or below the specified price cap. conditions: tiered service providers (tier 1, 2, 3a, 3b) must adhere to strict attestation and reporting requirements, ensuring compliance with price caps. reporting: tier 1 providers must report contracts to the attorney general within 40 days, while tier 2 and tier 3 providers have 60 days to confirm compliance or withdraw services. record-keeping: all involved parties must maintain detailed records for six years. exclusions: the licence does not permit the import of russian oil into the virgin islands or transactions with designated persons or specified ships. general licence no. 11 (2025) - payment of legal fees issued on 3 november 2025, this licence allows payments for reasonable professional legal fees and expenses for designated persons under sanctions. key provisions include: scope: covers legal services provided by virgin islands legal practitioners, including advice and court representation, except for defamation claims. payment limits: professional legal fees are capped at us$2.4 million per practitioner, with expenses limited to 10 per cent of fees or us$240,000, whichever is lower. conditions: payments must relate to obligations entered into before the designation of the individual or entity. reporting: legal practitioners must report payments to the attorney general within seven days, including detailed documentation of the services and payments. record-keeping: practitioners must retain records for six years. exclusions: payments cannot benefit persons designated under united nations obligations. these licences aim to balance compliance with international sanctions while facilitating specific permissible activities. bvi’s general licences can be found here

UnauthorizedThis firm may be providing or promoting financial services or products without our permission. You should avoid dealing with this firm and beware of scams. Almost all firms and individuals must be authorised or registered by us to carry out or promote financial services in the UK. This firm is not authorised by us and may be targeting people in the UK. Search our Warning List for other unauthorised firms and individuals we're aware of. Unauthorised firm details Name: Witzeltrading Market Address: 1, Canada Square, Canary Wharf, London, UNITED KINGDOM, E14 5AB Email: support@witzeltradingmarket.net Some firms may give incorrect contact details including postal addresses, telephone numbers and email addresses. They may change these contact details over time. They may also give you details that belong to another business or individual, so the information looks genuine. What this means for you If you deal with this firm, you won't have access to the Financial Ombudsman Service if you want to complain. You also won't be protected by the Financial Services Compensation Scheme (FSCS) if things go wrong. This means it's unlikely you'd get your money back if the firm goes out of business. If you sent money to a fraudster on or after 7 October 2024, you may be covered by protections introduced by the Payment Systems Regulator (PSR). Find out what to do if you've been tricked into making a payment to a scam account. How to protect yourself You should only deal with financial firms that are authorised by us. If a financial firm is authorised by us, it gives you greater protection if things go wrong. You can use the FCA Firm Checker to make sure a financial firm is authorised by us and has our permission to provide the services you're looking for. You'll also be able to find: information on how you're protected contact details for authorised firms If you're contacted unexpectedly by a financial business, make sure you reply using the contact details on the Firm Checker. Find out more about how to protect yourself from scams. Report an unauthorised firm If you think you've been approached by an unauthorised firm, call us on 0800 111 6768, or use our contact form.

OpenAI has acquired AI personal finance startup Hiro, with the acquisition signalling a deliberate push into specialised financial agents, as reported by TechCrunch. The deal functions primarily to recruit talent, bringing Hiro founder Ethan Bloch and his ten-person team to the ChatGPT developer. The standalone Hiro application will cease operations on April 20 2026. Hiro will permanently delete all user data from its servers by May 13 2026. The startup confirmed that customer financial information will not transfer to OpenAI. Founded in 2023, Hiro built an automated tool designed to act as a personal CFO. The application allowed consumers to input salary, debt, and monthly expenses to model various financial scenarios. Hiro built its tool with a strict focus on mathematical accuracy. Users could verify the specific calculations produced by the AI, addressing a known weakness of large language models in numerical reasoning. Ethan Bloch “As we got to know the team at OpenAI, it became clear that joining forces would give us the opportunity to pursue that vision at a much larger scale for a much broader audience,” said Ethan Bloch, Founder, Hiro. The OpenAI Hiro acquisition follows the developer acquiring another AI personal finance application, Roi, in 2025. These purchases indicate a strategy to develop autonomous financial agents capable of completing complex tasks rather than simply answering queries. Following the OpenAI Hiro acquisition, European wealthtech companies face a shifting market. The integration of high-precision financial modelling into mainstream tools like ChatGPT sets a new benchmark for automated advisory services in regions like Switzerland.     Featured image credit: Edited by Fintech News Switzerland, based on image by Dikarte via Freepik The post OpenAI’s Hiro Acquisition Brings Specialised Financial Agents to ChatGPT appeared first on Fintech Schweiz Digital Finance News - FintechNewsCH.