In this first Substack of 2025, I look at:
What is fintech?
What do neobanks do and why are they special?
Are neobanks technology firms or banks?
Why does it matter if neobanks are tech firms or banks?
rupakghose.substack.com/p/are-neoban...
What is fintech?
What do neobanks do and why are they special?
Are neobanks technology firms or banks?
Why does it matter if neobanks are tech firms or banks?
rupakghose.substack.com/p/are-neoban...
Are neobank's really tech or banking?
Nubank, Revolut, Monzo, Starling and OakNorth
rupakghose.substack.com
January 5, 2025 at 3:35 PM
In this first Substack of 2025, I look at:
What is fintech?
What do neobanks do and why are they special?
Are neobanks technology firms or banks?
Why does it matter if neobanks are tech firms or banks?
rupakghose.substack.com/p/are-neoban...
What is fintech?
What do neobanks do and why are they special?
Are neobanks technology firms or banks?
Why does it matter if neobanks are tech firms or banks?
rupakghose.substack.com/p/are-neoban...
Exploit on Rain crypto payments infrastructure provider causes losses for "self-custodial" neobanks
August 28, 2026
https://www.web3isgoinggreat.com/?id=avici-exploit
August 28, 2026
https://www.web3isgoinggreat.com/?id=avici-exploit
August 30, 2026 at 2:49 PM
Exploit on Rain crypto payments infrastructure provider causes losses for "self-custodial" neobanks
August 28, 2026
https://www.web3isgoinggreat.com/?id=avici-exploit
August 28, 2026
https://www.web3isgoinggreat.com/?id=avici-exploit
Portugal: Revolut is the top pick among 7 ranked neobanks, popular with the big expat community — though Qonto scores highest at 4.8/5. 4 of 7 hold full bank + €100k DGS. https://go.neobanks.guide/keAxge
Affiliate links.
Affiliate links.
September 27, 2026 at 2:00 PM
Portugal: Revolut is the top pick among 7 ranked neobanks, popular with the big expat community — though Qonto scores highest at 4.8/5. 4 of 7 hold full bank + €100k DGS. https://go.neobanks.guide/keAxge
Affiliate links.
Affiliate links.
Venture capitalists have a number of neobanks AND ACTUAL ASS BANKS.
These include Anchorage Digital, Nubank, Mercury, Cross River Bank, and now Erebor.
These include Anchorage Digital, Nubank, Mercury, Cross River Bank, and now Erebor.
December 23, 2025 at 5:56 PM
Venture capitalists have a number of neobanks AND ACTUAL ASS BANKS.
These include Anchorage Digital, Nubank, Mercury, Cross River Bank, and now Erebor.
These include Anchorage Digital, Nubank, Mercury, Cross River Bank, and now Erebor.
We pulled data from Monzo, Starling and Revolut’s latest annual report to understand how neobanks spend it.
UK neobanks double spending on staff, marketing and legal fees as sector booms
sifted.eu
July 9, 2025 at 8:23 AM
We pulled data from Monzo, Starling and Revolut’s latest annual report to understand how neobanks spend it.
This is one of the reason why I ended up going back to a traditional bank after almost 10 years with neobanks
The neobanks usually have better apps but they are also often annoying with more “boring” things such as regulatory compliance or more advanced services (such as overdraft or credit cards)
The neobanks usually have better apps but they are also often annoying with more “boring” things such as regulatory compliance or more advanced services (such as overdraft or credit cards)
September 26, 2025 at 4:50 PM
This is one of the reason why I ended up going back to a traditional bank after almost 10 years with neobanks
The neobanks usually have better apps but they are also often annoying with more “boring” things such as regulatory compliance or more advanced services (such as overdraft or credit cards)
The neobanks usually have better apps but they are also often annoying with more “boring” things such as regulatory compliance or more advanced services (such as overdraft or credit cards)
Correct. People don't understand this fact. Many of the neobanks, even huge ones are like this. The fine print in FDIC is important.
July 28, 2026 at 12:41 AM
Correct. People don't understand this fact. Many of the neobanks, even huge ones are like this. The fine print in FDIC is important.
Of course it’s not just Revolut that offers this: all modern neobanks do similar virtual cards.
“Traditional” banks do not - and so I just don’t use them for online shopping (or payments, in general!)
Those banks are giving up the market without a fight for these startups…
“Traditional” banks do not - and so I just don’t use them for online shopping (or payments, in general!)
Those banks are giving up the market without a fight for these startups…
December 22, 2025 at 10:33 AM
Of course it’s not just Revolut that offers this: all modern neobanks do similar virtual cards.
“Traditional” banks do not - and so I just don’t use them for online shopping (or payments, in general!)
Those banks are giving up the market without a fight for these startups…
“Traditional” banks do not - and so I just don’t use them for online shopping (or payments, in general!)
Those banks are giving up the market without a fight for these startups…
Top 10 European Neobanks 2026 — Revolut takes No. 1. https://top10grid.com/top-10-european-neobanks-2026?utm_source=bluesky&utm_medium=social&utm_campaign=video-distribution #revolut #n26 #monzo
September 23, 2026 at 11:17 AM
Top 10 European Neobanks 2026 — Revolut takes No. 1. https://top10grid.com/top-10-european-neobanks-2026?utm_source=bluesky&utm_medium=social&utm_campaign=video-distribution #revolut #n26 #monzo
Italy: 7 neobanks ranked (~26% of Italian banking is neobanks). Top pick Revolut — €100k DGS. N26/Trade Republic: local IT IBANs+DGS. Qonto: safeguarded, not insured. https://go.neobanks.guide/Lk2PP3
Affiliate links.
Affiliate links.
September 23, 2026 at 2:40 PM
Italy: 7 neobanks ranked (~26% of Italian banking is neobanks). Top pick Revolut — €100k DGS. N26/Trade Republic: local IT IBANs+DGS. Qonto: safeguarded, not insured. https://go.neobanks.guide/Lk2PP3
Affiliate links.
Affiliate links.
Take "fintech," all those neobanks and the cryptocurrency junk and shitcoins and stablecoins and NFTs and so on that a group of pump-and-dumpers, money launderers and stock swindlers have pushed for more than a decade now.
10/
10/
April 22, 2026 at 3:48 PM
Take "fintech," all those neobanks and the cryptocurrency junk and shitcoins and stablecoins and NFTs and so on that a group of pump-and-dumpers, money launderers and stock swindlers have pushed for more than a decade now.
10/
10/
Thinking of a meme where housewives are representing all the neobanks/fintech companies and they’re crying and pointing while V/MA/FI are the befuddled cat
February 5, 2025 at 7:52 PM
Thinking of a meme where housewives are representing all the neobanks/fintech companies and they’re crying and pointing while V/MA/FI are the befuddled cat
US SaaS neobanks: Mercury is the YC-pattern default, Rho suits multi-entity structures, Brex leans corporate-card-first, Ramp pairs spend management + deposits. https://go.neobanks.guide/UMx6Cx
Affiliate links.
Affiliate links.
September 26, 2026 at 2:40 PM
US SaaS neobanks: Mercury is the YC-pattern default, Rho suits multi-entity structures, Brex leans corporate-card-first, Ramp pairs spend management + deposits. https://go.neobanks.guide/UMx6Cx
Affiliate links.
Affiliate links.
The "real" bank in this case is Evolve, which is a 100-year-old regulated bank, but was purchased and rebranded in 2005 specifically to provide services to weird internet neobanks. I'd say they're partially at fault as well.
November 24, 2024 at 10:37 PM
The "real" bank in this case is Evolve, which is a 100-year-old regulated bank, but was purchased and rebranded in 2005 specifically to provide services to weird internet neobanks. I'd say they're partially at fault as well.
aren't like half these guys running the cryptocurrency neobanks
They're going to debank the people they won't give valid IDs to
Major alarm bells over this. Bessent wants US banks to require customers send in copies of their passports etc. to prove citizenship, which would be far beyond the know-your-customer checks that they're required to do already. Implies this could result in closing bank accounts over non-compliance.
April 21, 2026 at 4:29 PM
aren't like half these guys running the cryptocurrency neobanks
Please watch if considering using this format.
"Neobanks" promise higher rates and lower fees, but they exist in a regulatory black box created by Andreessen, Thiel, Musk and more.
We investigated an online bank where thousands of Americans' FDIC-insured savings vanished.
youtu.be/hiE7NvONU5U
"Neobanks" promise higher rates and lower fees, but they exist in a regulatory black box created by Andreessen, Thiel, Musk and more.
We investigated an online bank where thousands of Americans' FDIC-insured savings vanished.
youtu.be/hiE7NvONU5U
How Millions of Americans Got Tricked Into Using a Bank That Isn't a Bank
YouTube video by More Perfect Union
youtu.be
July 27, 2026 at 11:34 PM
Please watch if considering using this format.
"Neobanks" promise higher rates and lower fees, but they exist in a regulatory black box created by Andreessen, Thiel, Musk and more.
We investigated an online bank where thousands of Americans' FDIC-insured savings vanished.
youtu.be/hiE7NvONU5U
"Neobanks" promise higher rates and lower fees, but they exist in a regulatory black box created by Andreessen, Thiel, Musk and more.
We investigated an online bank where thousands of Americans' FDIC-insured savings vanished.
youtu.be/hiE7NvONU5U
7 neobanks compared for Belgium: Revolut (top pick, 4.7/5, 120+ currencies), Wise, N26, bunq, Qonto and more. Wise is unique for a true BE IBAN via its Brussels EU entity. https://go.neobanks.guide/kf2x2P
Affiliate links.
Affiliate links.
September 17, 2026 at 8:40 AM
7 neobanks compared for Belgium: Revolut (top pick, 4.7/5, 120+ currencies), Wise, N26, bunq, Qonto and more. Wise is unique for a true BE IBAN via its Brussels EU entity. https://go.neobanks.guide/kf2x2P
Affiliate links.
Affiliate links.
A look at stablecoin-powered neobanks like Rizon and Dakota that are offering dollar-denominated digital banking services to customers worldwide (Emily Mason/Bloomberg)
Main Link | Techmeme Permalink
Main Link | Techmeme Permalink
December 22, 2025 at 8:50 AM
A look at stablecoin-powered neobanks like Rizon and Dakota that are offering dollar-denominated digital banking services to customers worldwide (Emily Mason/Bloomberg)
Main Link | Techmeme Permalink
Main Link | Techmeme Permalink
Stable Launches Morpho-Powered Treasury Service for Fintech Firms and Neobanks
May 26 2026 04:35 UTC
#stableearn #morpho #treasury-bills #gold #fintech #neobanks #yield #rwa #defi #stable
May 26 2026 04:35 UTC
#stableearn #morpho #treasury-bills #gold #fintech #neobanks #yield #rwa #defi #stable
May 26, 2026 at 8:16 AM
Luxembourg: 6 neobanks ranked, Revolut (4.7/5) on top. 4 of 6 hold a full credit-institution licence with €100k DGS cover; the rest are e-money/safeguarded instead. https://go.neobanks.guide/FsxRMu
Affiliate links.
Affiliate links.
September 25, 2026 at 8:40 AM
Luxembourg: 6 neobanks ranked, Revolut (4.7/5) on top. 4 of 6 hold a full credit-institution licence with €100k DGS cover; the rest are e-money/safeguarded instead. https://go.neobanks.guide/FsxRMu
Affiliate links.
Affiliate links.
More neobanks are becoming mobile networks — and Nubank wants a piece of the action
More neobanks are becoming mobile networks — and Nubank wants a piece of the action
Nubank is taking its first tentative steps into the mobile network realm, as the NYSE-traded Brazilian neobank rolls out an eSIM (embedded SIM) service for travelers. The service will give customers access to 10GB of free roaming internet in more than 40…
tcrn.ch
May 28, 2024 at 9:11 AM
More neobanks are becoming mobile networks — and Nubank wants a piece of the action
Berlin-based Upvest, which builds trading APIs for neobanks and retail lenders, raised $90M in equity, sources say at a $735M valuation, up from ~$413M in 2024 (Arno Schütze/Bloomberg)
Main Link | Techmeme Permalink
Main Link | Techmeme Permalink
March 17, 2026 at 9:41 AM
Berlin-based Upvest, which builds trading APIs for neobanks and retail lenders, raised $90M in equity, sources say at a $735M valuation, up from ~$413M in 2024 (Arno Schütze/Bloomberg)
Main Link | Techmeme Permalink
Main Link | Techmeme Permalink
The 2026 landscape for crypto-friendly banking continues to evolve, with top traditional banks and neobanks now offering integrated support for Bitcoin, dedicated crypto cards, and direct exchange connectivity for global users.
https://neurobot.su/
https://neurobot.su/
September 25, 2026 at 10:03 AM
The 2026 landscape for crypto-friendly banking continues to evolve, with top traditional banks and neobanks now offering integrated support for Bitcoin, dedicated crypto cards, and direct exchange connectivity for global users.
https://neurobot.su/
https://neurobot.su/
