Getting Paid by E-Wallet in Tajikistan? The 3% Transaction Tax Is Now Live
Tajikistan now debits 3% from e-wallet, QR and mobile payments — over 10 payments a day from different senders can register you as an entrepreneur.
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FinTech
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Adyen Paid $335 Million for Orb. Here's What Usage-Based Billing Means for Your Subscription Business
Adyen paid $335M for Orb because usage-based pricing went mainstream: 42% of SaaS offer it, top-quartile NRR is 122%. A 3-question test and 5 launch mistakes.
The GENIUS Act Is Bringing Stablecoins to Everyday Business Payments: What It Means for Your Invoicing and Cash Flow
The GENIUS Act of July 2025 created the first federal licensing regime for dollar-backed payment stablecoins, with full rules expected by January 2027. Small businesses gain seconds-fast, low-fee settlement — but every stablecoin receipt is property income with basis tracking, and broker sales are now reported to the IRS on Form 1099-DA.
Mercury Command: What Happens When You Run Your Business Banking by Talking to It
Mercury Command, launched June 16, 2026, lets founders run business banking in plain English — checking cash, changing transfer rules, categorizing transactions, and sending invoices — with every action staged for explicit human approval. This guide explains what it does, the agent-card spend controls that followed, and the adoption checklist small businesses need before granting AI payment access.
Affirm FY2026 Q4 Earnings: $1.17B Revenue, a $1.5B Tax Benefit, and a $9.0B Loan Book
Affirm's fiscal Q4 2026 (ended June 30, 2026) posted $1.17 billion of revenue (+33%) and $14.1 billion of GMV (+36%), but the $4.62 GAAP EPS against a $0.85 consensus was driven by a roughly $1.5 billion non-cash valuation-allowance release — cash taxes paid were about $7 million. Full-year operating income turned positive at $417 million while the $9.0 billion net loan book runs on $9.8 billion of funding debt, modeled FY2022–FY2026 in a public Beancount ledger.
How to Reconcile Klarna, Affirm, and Afterpay Settlements Without Losing Track of Revenue
BNPL settlements net fees at the source and deduct refunds from future payouts, so booking the bank deposit as revenue understates sales and breaks your 1099-K tie-out. This guide shows the clearing-account method — one account per provider, revenue booked gross on the order date, fees as their own expense — with a worked $10,000 Afterpay week and a monthly close checklist.
Peer-to-Peer Lending Bookkeeping: 1099-OID Interest, Netted Platform Fees, and Bad-Debt Write-Offs
P2P lending interest arrives on Form 1099-OID net of platform servicing fees, so those fees are never deducted separately; a defaulted note is usually a nonbusiness bad debt, deductible only when totally worthless and only as a short-term capital loss capped at $3,000 of ordinary income per year.
31 States, One Playbook: What the Money Transmission Modernization Act Means for Your Money-Transfer Business
Thirty-one states have adopted the Money Transmission Modernization Act, harmonizing money transmitter licensing around three financial pillars — tangible net worth on a 3%/2%/0.5% sliding scale, a surety bond equal to 100% of average daily transmission liability between a $100,000 floor and a $500,000 cap, and permissible investments backing every outstanding customer obligation — plus one shared NMLS application process.
Your Card Processor Just Got Bought for $24 Billion — Here's What to Check on Your Next Statement
Global Payments closed its $24.25 billion Worldpay acquisition in January 2026, and processor mergers routinely bring migration fees, contract reassignments, and quiet rate creep. Learn how to compute your effective rate (total fees ÷ card volume), the seven statement lines where costs hide, and a 15-minute quarterly audit that flags overpaying above 3%.
Embedded Business Lending for Freelancers: How to Compare Offers Before You Borrow
Embedded lending marketplaces like Lili's Lendio integration put loan applications inside your banking dashboard, but the lender—not the platform—sets your terms. A practical framework for freelancers to compare net proceeds, total repayment, factor rates, and payment burden, stress-test a slow month, and record the debt properly before accepting an offer.
Real-Time Settlement and Instant Payment Accounting: How FedNow and ISO 20022 Change Bank Reconciliation
FedNow and the RTP network settle payments 24/7, so a bank balance can change before your books do. How to reconcile instant payments with a five-state payment lifecycle (approved, submitted, accepted, settled, returned), a clearing-account chart-of-accounts pattern, ISO 20022 identifiers worth preserving, and a 30-day rollout plan for small businesses.
FinCEN's 2026 AML Overhaul: What the Shift to Risk-Based Compliance Means for MSBs and Fintechs
FinCEN's April 7, 2026 proposal would fundamentally reform AML/CFT program rules under the Bank Secrecy Act, replacing box-checking with effective, reasonably designed, risk-based programs. Learn the five key changes, the design-vs-implementation test, and a 10-step checklist for MSBs and fintechs.