Fintech’s moving fast—and regulators, AI, and crypto are all colliding. From New York’s crackdown on earned wage access to Mastercard’s agentic AI push, Bank of America’s Erica scaling quietly, and Tether’s made-in-America stablecoin debut, there’s a lot to unpack. We break down what it all means for innovation, incumbents, and the future of money—without the noise.