W Fintechs Newsletter

W Fintechs Newsletter is a weekly fintech digest written by Walter Pereira and published on Substack, usually on Saturdays, in both English and Portuguese. Each issue is titled "Short Takes" and bundles two or three themes rather than a news dump.

Recent issues

Number 176, dated 10 August, joins "The Digital Asset Flywheel Starts Spinning" with "Credit Unions Face the Stablecoin Dilemma". Number 175 on 3 August covers how Revolut built its own growth algorithm to compete with other neobanks and why Visa and Mastercard are cutting jobs. In June, number 174 argues that in stablecoins distribution beats design, and looks at digital wallets becoming digital public infrastructure; number 173 runs compliance as a competitive advantage, why fintechs are not yet at risk from AI and the closing cycle for BNPL; number 172 discusses the second wave of BaaS, what the BIS found about liquidity buffers, and what comes after the payment.

Who it helps

Product and strategy people at PSPs and banks who want a compact weekly take on stablecoins, wallets, BaaS and BNPL, with a Latin American and European accent and a reading time short enough to fit a commute.