Fintech Weekly Digest: Nov 5 2025- Visa’s Stablecoin Leap, UBS’s Tokenised Fund, Hong Kong’s Fintech 2030, and AI-Driven Payment Innovation

Welcome to this week’s edition of ONSEC Fintech Weekly Digest, bringing you the latest movements shaping the financial-technology landscape. From Visa integrating stablecoins into its global settlement rails and UBS executing a fully tokenised fund workflow, to Hong Kong unveiling its “Fintech 2030” blueprint and AI-powered payment systems gaining ground, the week highlights how regulation, infrastructure, and innovation are rapidly converging across global markets.

Market & Macro Trends in Fintech

• Visa moves deeper into stable-coins: The payment network announced it now supports settlement via four stablecoins across four blockchains, with conversion to 25+ fiat currencies—marking a shift from pilot phase to core-infrastructure integration. NCFA Canada
• UBS completes end-to-end on-chain tokenised fund workflow: The bank used the Chainlink Digital Transfer Agent (DTA) standard to execute subscription + redemption for its USD Money Market Investment Fund Token, showing maturation of tokenised asset infrastructure. FintechNewsCH
• Hong Kong Monetary Authority (HKMA) lays out “Fintech 2030” strategy: At the closing of Hong Kong FinTech Week 2025, the regulator presented its future-ready plan focusing on data/payment infrastructure and cross-border connectivity. Hubbis
• Pine Labs trims its IPO: The Indian fintech platform reduced its planned offering size by ~44% ahead of its Nov 7-11 launch, targeting a valuation near USD 2.9 billion instead of the earlier USD 6 billion. Reuters
• Fintech-funding snapshot: FinTech Futures published its “top five funding stories of October” list, underscoring that, despite macro headwinds, significant capital continues to flow into fintech globally. FinTech Futures

Fintech Expansion & Regulatory Moves

• U.S. court enjoins CFPB’s Open Banking (Section 1033) rule — A federal judge in Kentucky issued a preliminary injunction halting enforcement of the final rule. Reuters
• UK tokenisation push moves forward — FCA urged industry adoption of tokenisation tech and set out a roadmap for fund tokenisation models. Compliance Week
• UK pressed to accelerate crypto rulemaking — Industry voices called for faster pacing on stablecoin and crypto regimes. Global Government Fintech
• Stablecoin alignment theme at Singapore FinTech Festival — Industry leaders (incl. Circle) stressed cross-border regulatory coordination. The Business Times
• Securities and Futures Commission of Hong Kong will allow locally-licensed virtual asset trading platforms to share global order books with overseas affiliates, aiming to boost liquidity and bolster Hong Kong’s fintech & digital-asset hub ambitions. Reuters
• A U.S. federal judge issued a preliminary injunction halting enforcement of the Consumer Financial Protection Bureau’s open-banking data-sharing rule (Section 1033) — delaying national rollout of regulated access to consumer financial-data APIs. FinTech Weekly

Startup, Funding & Product Innovations

• UBS executes first live tokenised fund transaction — In-production subscription/redemption using Chainlink’s DTA standard. Brazil
• Stripe + NEC debut face-recognition payments (Stripe Terminal S700) — To be showcased at SFF; pilot targets faster in-store checkout. NEC Global
• Worldpay backs OpenAI’s Agentic Commerce Protocol — Lets ChatGPT users complete purchases with participating merchants. Worldpay
• Natural raised US $9.8 million in seed funding to build payments infrastructure tailored to “agentic payments” — software agents transacting on behalf of businesses and users. PYMNTS.com
• Zynk, a fintech infrastructure startup, secured US $5 million in a seed round led by Hivemind Capital, with participation from Coinbase Ventures and other investors. entrackr.com

Final Words

/As fintech continues to evolve at the crossroads of tokenisation, regulatory modernisation, and AI-enabled payments, the coming months will test how well institutions can balance innovation with trust and compliance. For those building or securing next-generation payment and finance platforms, agility and security will define the winners.
Stay tuned with ONSEC.io for sharp, global-scope insights at the intersection of fintech, regulation, and cybersecurity.

Book a call with ONSEC