OnlyFintechs

About OnlyFintechs

OnlyFintechs, the go-to podcast for insights and deep dives into the fast-paced world of financial technology. Join us as we explore the latest trends, innovations, and challenges facing fintech companies today. From game-changing startups to regulatory shake-ups and investment insights, OnlyFintechs delivers engaging discussions with industry leaders, tech visionaries, and finance experts. Whether you’re a seasoned fintech enthusiast or just curious about the future of finance, OnlyFintechs is your resource to stay ahead whats happening.

Publisher

David Berkowitz

Category

business

Language

en

Explicit

No

First episode

12 Nov 2024

Latest episode

12 Oct 2026

Latest episodes

61 episodes in the feed.

1. 

   12 Oct 2026

   Stablecoins Bring Back the Best of Cash, and Banks Should Keep Up

   Stablecoins make money settle like cash again: pay, and it's done. Rain CEO Farooq Malik argues on the World Economic Forum's site that finance should embrace the upgrade. In his Oct 12, 2026 op-ed, Malik says electronic rails "separated payment from settlement," forcing banks to prefund accounts and reconcile after the fact. Capgemini estimates as much as $4 trillion sits trapped in settlement and liquidity accounts for cross-border payments. With a stablecoin, "the transfer and the record of it are the same event." That could free idle capital and make more markets "economic to serve." He also asks who benefits from the delay: institutions that earn on the float. The views are Malik's own, not WEF's, and Rain sells stablecoin payments infrastructure. Its OCC trust bank application from S2E23 is still pending. What you'll learn: Why cash's "payment and settlement at the same time" is the property stablecoins bring back Where the up to $4 trillion in trapped capital comes from, per Capgemini Why sending $200 to sub-Saharan Africa costs 8.46% on average, per the World Bank Who profits from slow money, and why incumbents need to adapt The BIS "singleness, elasticity and integrity" hurdles, and how the stablecoin case answers them Keywords: stablecoins, cross-border payments, Rain, Farooq Malik, World Economic Forum, settlement, correspondent banking, BIS, remittances. #Stablecoins #Payments #CrossBorderPayments #Rain #Remittances #Fintech #OnlyFintechs

2. 

   9 Oct 2026

   OKX × ICE Plan 24/7 Tokenized Stock Venue | SEC Notice, Not Approval

   OKXICE, the 50/50 joint venture between OKX and NYSE owner Intercontinental Exchange (ICE), has notified the SEC that it plans to run a 24/7 venue for 63 tokenized U.S. stocks. It is a notice, not an approval, and trading can't start before Nov 3 at the earliest. The Oct 4 notice, filed under the SEC's Sept 17 "Innovation Exemption," describes permissioned Uniswap v4 liquidity pools on OKX's X Layer blockchain, where verified wallets would trade tokenized Nvidia, Tesla, Apple, SpaceX, JPMorgan, Goldman Sachs, Coinbase, Circle and more against USDC, USDG or USDT. An unnamed third-party "Tokenizer" would hold the real shares one-for-one through a broker-dealer, with dividends and voting rights passed through. Cerebras has already objected to having its stock tokenized, and tight SEC volume caps keep the experiment small. Eleven days after NYSE signed its tokenized-stock MOU with Blockchain.com on Sept 23, ICE's other crypto partnership has moved to an actual filing. Catch up on that story in S2E11: NYSE × Blockchain.com (https://onlyfintechs.com/episodes/nyse-season-2-episode-11). What you'll learn: What OKXICE actually filed, and why "notified the SEC" isn't "approved" How a permissioned DeFi pool with soulbound-token access is supposed to trade real stocks Who issues the tokens (an unnamed Tokenizer), and what holders would get The 30-day clocks, issuer objections like Cerebras's, and the 0.25% volume cap The risks the notice itself flags: price gaps overnight, no clearing agency, admin keys, SIPC uncertainty How this fits ICE's two tokenization tracks, after S2E11 and S2E2 Keywords: OKXICE, OKX, Intercontinental Exchange, ICE, NYSE, tokenized stocks, Tokenized Securities Venue, SEC Innovation Exemption, Uniswap v4, X Layer, USDC, USDG, USDT, Cerebras, Andrew Cuomo, Star Xu, 24/7 trading. #Tokenization #TokenizedStocks #OKX #ICE #NYSE #SEC #Stablecoins #CapitalMarkets

3. 

   9 Oct 2026

   Frank Rotman's Kepler Correction | AI Agents Are the Rational Customer

   Frank Rotman's "Kepler Correction" says the rational customer banking waited eight years for has finally arrived, and it's an AI agent. In 2018, QED Investors co-founder Frank Rotman argued in "The Copernican Revolution in Banking" that banks can't be everything to everyone, and that share would move to best-in-class providers once customers could compare everything. Now at 37Maru, he grades that thesis himself in a 64-slide 2026 deck, "Banking In The Agentic Era." His conclusion: customers had the information but didn't act. Friction was the missing term, and AI agents that act on a customer's behalf could remove it. The 2018 model, problem, prediction and question, plus Rotman's own scorecard (Big Tech: D) The "Inertia Tax," the profit banks earn when customers don't act on what they know Three Keplerian laws: path of least resistance, banks fight back, agents become the channel The "Quiet Run": why deposit beta could approach 1.0 when agents compare rates daily Permission, recourse and trust, and Rotman's case for a licensed, fiduciary AI Delegate Agent savings stories cited in the deck are self-reported. Rotman discloses that he is building a company in agentic finance. Read Frank Rotman's original work: "Banking In The Agentic Era: The Kepler Correction" (LinkedIn) (https://www.linkedin.com/posts/frank-rotman_banking-in-the-agentic-age-banks-have-spent-activity-7510719454394253312-B0Xp) and "The Copernican Revolution in Banking" (2018) (https://fintechjunkie.com/wp-content/uploads/2018/04/the-copernican-revolution-in-banking.pdf). Only Fintechs is independent commentary and is not affiliated with or endorsed by Frank Rotman, 37Maru or QED Investors. Keywords: Frank Rotman, 37Maru, QED Investors, Kepler Correction, Copernican Revolution in Banking, AI agents, agentic finance, deposits, deposit beta, inertia tax, Mercury, Nubank, Chime, open banking #Fintech #AIAgents #Banking #AgenticAI #Deposits #OpenBanking #OnlyFintechs

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Spotify

5.0 / 5

4 ratings