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Financial Technology News 11 November 2025 - 11 December 2025

Ripple’s XRP Ledger v3.0.0 Goes Live: Native Lending, Zero‑Knowledge Privacy and a Critical Amendment Push XRPL DeFi to the Next Level

Ripple’s XRP Ledger v3.0.0 Goes Live: Native Lending, Zero‑Knowledge Privacy and a Critical Amendment Push XRPL DeFi to the Next Level

On December 11, 2025, the XRP Ledger ecosystem finds itself at a turning point. Ripple’s core software has jumped to XRP Ledger (XRPL) v3.0.0, a long‑planned native lending protocol is moving from roadmap to implementation, and a key amendment—fixDirectoryLimit—is just days away from activation on mainnet. Together, these upgrades aim to turn XRPL from a fast payments network into a full institutional‑grade DeFi platform with built‑in compliance and privacy. Below is an in‑depth look at what changed, why it matters, and what’s coming next for XRP, XRPL and institutional DeFi. XRPL v3.0.0: The Biggest Core Upgrade in Years Ripple and
Ripple, XRP and the New Payment Rails: Mastercard Pilot, $1B RLUSD Milestone and the 5‑Digit Price Debate

Ripple, XRP and the New Payment Rails: Mastercard Pilot, $1B RLUSD Milestone and the 5‑Digit Price Debate

The XRP ecosystem is in one of its most hectic news cycles in years.On 6 December 2025, fresh headlines ranged from a bold 5‑digit XRP price thesis to a $1 billion milestone for Ripple’s RLUSD stablecoin, new ETF‑driven supply‑shock narratives, and deeper integration with regulated U.S. markets. At the same time, Ripple is appearing on stage with Mastercard, expanding into corporate treasury via a $1 billion acquisition, and backing a global brand campaign that tells institutions: “It’s happening.” Here’s how all of these threads connect – and what they really mean for XRP, RLUSD and the future of global payments.
Coinbase’s Big Bank Crypto Pilots Mark a New Phase in Wall Street’s Digital Asset Push

Coinbase’s Big Bank Crypto Pilots Mark a New Phase in Wall Street’s Digital Asset Push

As of December 5, 2025, Coinbase’s newly revealed partnerships with some of America’s largest banks have become one of the clearest signals yet that traditional finance is preparing to run on crypto rails. At The New York Times’ DealBook Summit on December 3, Coinbase CEO Brian Armstrong said that “some of the largest banks” in the U.S. are now running pilot programs with the exchange focused on stablecoins, crypto custody and trading.Bloomberg Law News+1 Follow‑up reporting from crypto and fintech outlets indicates that JPMorgan Chase, Bank of America and Citigroup are among the institutions involved, building on earlier announced ties
EQ Bank 2025: PC Financial Acquisition, New Business Banking Platform, and What It All Means for Canadians

EQ Bank 2025: PC Financial Acquisition, New Business Banking Platform, and What It All Means for Canadians

As of December 4, 2025, EQ Bank – the digital arm of Equitable Bank and the flagship brand of EQB Inc. – is at a turning point. In less than 24 hours, the bank has: Here’s a detailed look at the latest news, forecasts, and analysis – and what it could mean for savers, small-business owners and investors. Key takeaways at a glance Who – and what – is EQ Bank in 2025? EQ Bank is the direct‑to‑consumer digital banking platform of Equitable Bank, itself a wholly owned subsidiary of EQB Inc., now Canada’s seventh-largest bank by assets. EQB Investor
Jack Dorsey and Bitcoin in 2025: How Block Is Trying to Turn BTC Into Everyday Money

Jack Dorsey and Bitcoin in 2025: How Block Is Trying to Turn BTC Into Everyday Money

Bitcoin is back in the political and payments spotlight, and few people sit closer to the action than Jack Dorsey. As of December 4, 2025, the Block and former Twitter (now X) CEO is using his payments empire, his policy clout and even his messaging apps to push one core idea: Bitcoin should be money, not just an investment. While Bitcoin trades around the mid‑$90,000 range after a volatile year, Dorsey is doubling down on a long‑running thesis that BTC will be the “native currency of the internet” — and building products to make that believable in daily life. Block+1 1. Dorsey’s
Fidelity Investments 2025: Stablecoin Tests, 401(k) Access Fight and What Comes Next for a $17.5 Trillion Giant

Fidelity Investments 2025: Stablecoin Tests, 401(k) Access Fight and What Comes Next for a $17.5 Trillion Giant

Updated: December 2, 2025 – This article reflects information available as of this date and may not capture later developments. Nothing here is individual investment advice. Key Takeaways 1. Where Fidelity Investments Stands in Late 2025 Fidelity Investments, still privately held by the Johnson family and employees, remains one of the world’s largest asset managers. As of its Q3 2025 business update, the firm reported: About Fidelity+2Fidelity Newsroom+2 The firm says it employs more than 78,000 people worldwide and has been privately held for 79 years. Fidelity Newsroom+1 A recent Financial Times profile underscored Fidelity’s unusually dominant role in U.S.
Visa Inc (V) Stock Update – November 30, 2025: Stablecoin Push, Fee Settlement and Q4 Earnings Shape the Outlook

Visa Inc (V) Stock Update – November 30, 2025: Stablecoin Push, Fee Settlement and Q4 Earnings Shape the Outlook

Visa Inc. (NYSE: V) heads into the final month of 2025 with its share price sitting in the mid‑$330s, below this year’s highs but supported by robust double‑digit earnings growth, a bigger dividend, and a very loud bet on stablecoin‑powered payments. At the same time, a proposed multi‑billion‑dollar settlement with merchants and mounting fraud‑and‑AI risks are keeping a lid on unbridled optimism. Merchant Cost Consulting+4Nasdaq+4MarketBeat+4 Visa stock today: price, performance and sentiment Recent filings and market data put Visa’s share price around the low‑to‑mid $330s, versus a 52‑week range of roughly $299 to $375.51. MarketBeat data shows Visa trading on
SoFi Technologies (SOFI) Soars Nearly 9% on November 24, 2025 as Crypto Launch, Q3 Beat and Options Activity Fuel Rally

SoFi Technologies (SOFI) Soars Nearly 9% on November 24, 2025 as Crypto Launch, Q3 Beat and Options Activity Fuel Rally

SoFi Technologies, Inc. (NASDAQ: SOFI) ripped higher on Monday, November 24, 2025, closing at $27.37, up about 8.7% from Friday’s $25.19 close. That move extended what has already been a standout year for the digital bank–fintech hybrid, powered by record third‑quarter earnings and the relaunch of in‑app cryptocurrency trading. Investing.com+1 Below is a full rundown of SOFI stock today, including price action, all major news from November 24, and how Wall Street is framing the risk–reward from here. SOFI stock today: price action for November 24, 2025 According to Investing.com and other market data providers, SoFi shares traded between roughly
Cryptocurrency Market Update: October 2025 Rally Ends with Tariff-Driven Selloff

Crypto Market Today, November 22, 2025: Bitcoin Holds Near $84K as ISO 20022, ETFs and Mining Stress Shape Sentiment

The global crypto market is attempting to steady itself this Saturday after a brutal November that wiped tens of billions off digital assets and pushed Bitcoin more than 30% below last month’s all‑time high near $126,000.Reuters+1 According to data from Binance and CoinCodex, the total cryptocurrency market cap is hovering around $2.87–$2.90 trillion, modestly higher on the day, with Bitcoin dominance near 58%.Binance+1 Bitcoin is trading roughly around $84,000, Ethereum near $2,700, and most major altcoins are mixed as traders digest a wave of macro, regulatory and structural news.Binance+2CoinCodex+2 At the same time, today brings a historic switch in global
ADP Stock News Today (Nov. 20, 2025): New Global WorkForce Suite, London Investor Conference & Fresh Earnings Outlook

ADP Stock News Today (Nov. 20, 2025): New Global WorkForce Suite, London Investor Conference & Fresh Earnings Outlook

Automatic Data Processing, Inc. (NASDAQ: ADP) is back in the headlines today with a major product launch, a new investor conference appearance, and updated analyst expectations. ADP launches unified global WorkForce Suite across its HCM platforms The biggest ADP story today is product-focused. The company announced ADP® WorkForce Suite is now fully integrated into: This move turns what was a separate workforce-management product (strengthened by ADP’s 2024 acquisition of WorkForce Software) into a native part of ADP’s core human capital management stack. ADP Media Center+1 What the new suite actually does According to ADP’s release and syndicated coverage, WorkForce Suite
Stripe’s $350B Fintech Fortune: JPMorgan’s Bold AI-Crypto Prediction

JPMorgan Launches JPM Coin Deposit Token on Coinbase’s Base as DBS Tie-Up Targets 24/7 Cross‑Bank On‑Chain Payments

Published: November 12, 2025 JPMorgan Chase has begun rolling out a new deposit token—JPM Coin (also referred to as JPMD)—to institutional clients, marking one of the most consequential moves yet by a global bank to bring real‑world money onto public blockchains. The token initially operates on Base, Coinbase’s public Ethereum layer‑2 network, and is designed to enable near‑instant, always‑on settlement for corporate payments and treasury flows. CoinDesk+1 What JPM Coin (JPMD) is—and isn’t Unlike a stablecoin issued by a fintech, a deposit token represents a direct claim on money already held in a customer’s bank account. In practice, that means
VCI Global (VCIG) Buys $100M in OOB Tokens, Tapped as Oobit Treasury Manager

VCI Global (VCIG) Buys $100M in OOB Tokens, Tapped as Oobit Treasury Manager

VCI Global Limited (NASDAQ: VCIG) said today it has acquired approximately US$100 million (book value) in OOB tokens and has been appointed Treasury Manager for the Oobit (“OOB”) digital‑asset ecosystem, where Tether Investment Limited holds the largest stake. The company added that, following the transaction, Tether is expected to become VCI Global’s largest shareholder, alongside other prominent investors. GlobeNewswire Key takeaways What happened today In a morning news release, VCI Global detailed a strategic agreement that combines a sizable token position with an operational role at the core of Oobit’s treasury function. The move places VCIG inside a payments‑centric crypto

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