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๐๐๐ญ๐๐ก๐ฅ๐ข๐ฌ๐ญ ๐๐๐ซ๐๐๐ง๐ข๐ง๐ ๐ข๐ง ๐
๐ข๐ง๐ญ๐๐๐ก ๐๐ญ๐๐๐ค
Despite years of investment in RegTech, watchlist screening is still one of the noisiest and most manual parts of the compliance stack in Fintech.
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The data is hard to ignore:
โข 90โ95% of watchlist and AML alerts are false positives across many institutions
โข Compliance teams spend the majority of their time reviewing low-risk matches, not real threats
โข Fragmented screening across onboarding, ongoing monitoring, and payments leads to inconsistent decisions and duplicated work
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As volumes grow and real-time payments expand, this model simply doesnโt scale. The real problem isnโt a lack of technology.
Itโs outdated screening logic and disconnected systems.
Most screening setups were built for static, rules-based environments. But today, fintechs are dealing with:
โ Global customers
โ Constant sanctions updates
โ Instant payments
โ Higher regulatory expectations
โ Pressure to move faster with leaner teams
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Whatโs starting to change and what I find most interesting is how fintech companies are rethinking screening from the ground up.
Not as a compliance checkbox, but as a precision risk filter applied consistently across the full customer lifecycle.
A few shifts Iโm seeing across the industry:
โข Moving from rigid rules to risk-calibrated screening logic
โข Reducing alert volumes by 70โ90% using smarter matching and context
โข Using explainable AI that mirrors analyst reasoning instead of black-box decisions
โข Unifying screening across onboarding, ongoing monitoring, and payments
The goal isnโt to remove humans from the loop. Itโs to give compliance teams fewer alerts, better signals, and clearer explanations โ while maintaining auditability and regulatory confidence.
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Iโll be joining a live session by Unit21 next week to unpack how fintech compliance teams are redesigning watchlist screening for 2026 and beyond.
If youโre leading compliance, risk, or building fintech infrastructure, itโs worth a listen.
Deep Dive of the Week
Inside Circleโs Payments Network
Itโs 2026, but we still use bank wires that hop through multiple intermediaries, take days, and charge a toll in fees to move money across borders. Circleโs new Circle Payments Network (CPN) is a bid to change that. After reviewing the CPN whitepaper, developer docs, and the launch talk, I see a clear strategy: Circle is building an open, stablecoin-based payment network that connects financial institutions under a compliance-first framework. In this deep dive, Iโll break down how CPN works from first principles and why it matters for anyone building in fintech.
This weekโs reports
๐๐จ๐ฐ ๐๐๐ง๐ค๐ฌ ๐๐ง๐ ๐
๐ข๐ง๐ญ๐๐๐ก๐ฌ ๐๐ก๐จ๐ฎ๐ฅ๐ ๐๐ซ๐๐ฉ๐๐ซ๐ ๐๐จ๐ซ ๐๐จ๐ฌ๐ญ-๐๐ฎ๐๐ง๐ญ๐ฎ๐ฆ ๐๐๐๐ฎ๐ซ๐ข๐ญ๐ฒ
This weekโs insights
1๏ธโฃ๐๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐๐ข๐ง๐ ๐๐ข๐ฌ๐โ๐ฌ ๐๐จ๐ฆ๐ฆ๐๐ซ๐๐ข๐๐ฅ & ๐๐จ๐ง๐๐ฒ ๐๐จ๐ฏ๐๐ฆ๐๐ง๐ญ ๐๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ
2๏ธโฃ๐๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐๐ข๐ง๐ ๐ ๐ข๐ฌ๐๐ซ๐ฏโ๐ฌ ๐๐ฎ๐ฌ๐ข๐ง๐๐ฌ๐ฌ ๐๐ง๐ ๐๐ซ๐จ๐๐ฎ๐๐ญ ๐๐ญ๐ซ๐๐ญ๐๐ ๐ฒ
3๏ธโฃ๐๐๐๐ฅ ๐๐๐ง๐ค๐ข๐ง๐ ๐ฎ๐ฌ๐ ๐๐๐ฌ๐๐ฌ ๐ฉ๐จ๐ฐ๐๐ซ๐๐ ๐๐ฒ ๐๐ ๐๐ง๐ญ๐ข๐ ๐๐
4๏ธโฃ๐๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐๐ข๐ง๐ ๐๐จ๐ฐ โ๐๐ข๐ฌ๐ ๐๐ฅ๐๐ญ๐๐จ๐ซ๐ฆโ ๐๐จ๐ฐ๐๐ซ๐ข๐ง๐ ๐๐๐ง๐ค๐ฌ ๐๐ง๐ ๐๐ง๐ญ๐๐ซ๐ฉ๐ซ๐ข๐ฌ๐๐ฌ
5๏ธโฃ๐๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐๐ข๐ง๐ ๐๐ฉ๐๐ซ๐๐ญ๐ข๐จ๐ง๐๐ฅ ๐๐จ๐๐๐ฅ ๐๐จ๐ค๐๐ง๐ข๐ฌ๐๐ ๐๐จ๐ง๐๐ฒ ๐๐๐ซ๐ค๐๐ญ ๐ ๐ฎ๐ง๐๐ฌ
6๏ธโฃ๐๐จ๐ฐ ๐๐ ๐๐ฌ ๐๐๐ข๐ง๐ ๐๐ฌ๐๐ ๐ญ๐จ ๐๐จ๐ฆ๐๐๐ญ ๐๐๐ฒ๐ฆ๐๐ง๐ญ ๐ ๐ซ๐๐ฎ๐
7๏ธโฃ๐๐ก๐ ๐๐ซ๐๐ก๐ข๐ญ๐๐๐ญ๐ฎ๐ซ๐ ๐จ๐ ๐จ๐ซ๐๐ก๐๐ฌ๐ญ๐ซ๐๐ญ๐๐ ๐ฆ๐ฎ๐ฅ๐ญ๐ข๐๐ ๐๐ง๐ญ ๐ฌ๐ฒ๐ฌ๐ญ๐๐ฆ๐ฌ ๐ข๐ง ๐๐๐ง๐ค๐ข๐ง๐
๐๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐๐ข๐ง๐ ๐๐ข๐ฌ๐โ๐ฌ ๐๐จ๐ฆ๐ฆ๐๐ซ๐๐ข๐๐ฅ & ๐๐จ๐ง๐๐ฒ ๐๐จ๐ฏ๐๐ฆ๐๐ง๐ญ ๐๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ
Most people still think of Visa as a consumer card company. That mental model is outdated.
The real growth engine today sits in Commercial & Money Movement Solutions, Visaโs business focused on payment flows outside traditional consumer-to-merchant card swipes. This includes B2B payments, person-to-person transfers, business payouts, and government flows.
According to Chris Newkirk, President of CMS, the CMS strategy is built on two platforms. Visa Commercial Solutions targets B2B use cases such as payables, procurement, travel and expense, employee spend, and public sector payments. Visa Direct focuses on money movement at scale, covering P2P transfers, gig economy payouts, insurance disbursements, remittances, and selected B2B flows that move funds between accounts.
The addressable market here is massive. Visa estimates roughly $200 trillion in annual volume across these non-consumer flows, split between $55 trillion in money movement and $145 trillion in B2B payments.
This is not just a long-term bet. Since 2021, CMS revenues have grown at a 22 percent compound annual rate. In fiscal 2024 alone, Visa processed $1.7 trillion in commercial card volume and nearly 10 billion Visa Direct transactions. And yet, Visa still describes its penetration of this market as minimal.
The focus is deliberate. Within B2B, Visa is targeting about $60 trillion of flows where it can monetize effectively. Around $25 trillion comes from cross-border B2B payments, supported by capabilities such as Currencycloud and Visa B2B Connect. Another $35 trillion comes from domestic and cardable B2B spend, including procurement, travel, and contractor payments. These segments account for roughly 80 percent of the revenue opportunity in B2B payments.
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