Welcome to today’s Fintech Pulse, your op-ed–style deep dive into the developments reshaping financial technology. In this edition, we examine five pivotal stories—from strategic regulatory wins and M&A moves to capital infusions empowering underserved markets. Our analysis delivers not just the facts, but the insights driving tomorrow’s fintech landscape.

1. Nubank Secures Mexican Banking License

News Summary
Brazil’s digital banking powerhouse Nubank has cleared a major regulatory hurdle in Mexico, obtaining initial approval from the National Banking and Securities Commission to transition from a payments-focused issuer to a full-service bank. This milestone permits Nubank to broaden its product suite—adding salary deposits, expanded savings offerings, and potentially consumer loans—currently restricted under its existing license. With over 10 million customers in Mexico, the move cements Nubank’s regional footprint.
Source: Reuters

Analysis & Commentary
Nubank’s license approval represents a calculated shift from neo-banking into universal banking, mirroring strategies by other challengers seeking diversified revenue streams. By evolving into a full bank, Nubank can integrate deposit-taking operations with cross-sell opportunities for credit, insurance, and investment products. This vertical integration not only boosts customer lifetime value but also insulates against margin compression in transactional services.

Industry watchers should note that Nubank’s success could spur incumbents to accelerate digital transformation, potentially igniting a wave of partnerships or counter-moves across Latin America’s top banking markets.

2. Fiserv to Acquire Money Money in Brazil

News Summary
U.S. payments stalwart Fiserv has inked a definitive agreement to acquire Brazilian fintech Money Money Serviços Financeiros, aiming to enhance its suite of merchant services for Latin America’s SMB segment. Pending approval by Brazilian regulators, the deal is slated to close in Q2 2025. Through this acquisition, Fiserv gains localized technology, a built-in merchant portfolio, and foothold in one of the fastest-growing digital payments markets.
Source: Electronic Payments International

Analysis & Commentary
The Fiserv–Money Money merger exemplifies established fintech firms’ appetite for inorganic growth in emerging markets. Rather than building solutions from scratch, acquiring a homegrown player accelerates time-to-market, leverages regulatory know-how, and taps existing customer trust.

Strategically, Fiserv’s playbook highlights three key benefits: 1) Market entry at scale, 2) Technology integration with minimal friction, and 3) Enhanced local relationships—factors critical in regions where regulatory complexity and cultural nuances can hamper pure digital entrants. As competition intensifies, incumbents and challengers alike will reassess M&A as the quickest path to growth.

3. LendMN Raises $20 Million to Drive Inclusion in Mongolia

News Summary
LendMN, Mongolia’s leading digital lending platform focused on micro, small, and medium enterprises (MSMEs), has secured a $20 million debt facility from Lendable. The injection will enable LendMN to expand its tech-enabled lending to underserved MSMEs, many of which lack access to traditional credit. Since launch in 2017, LendMN has disbursed over $70 million across 3,800 borrowers, catalyzing economic participation in remote regions.
Source: Financial IT

Analysis & Commentary
Fintech’s greatest promise lies in democratizing finance—and LendMN is a textbook case. By leveraging alternative data, digital onboarding, and remote underwriting, the platform bypasses hurdles that exclude rural entrepreneurs.

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This funding underscores a broader shift: investors are increasingly channeling capital into purpose-driven fintechs that marry profitability with social impact. As LendMN scales, expect partnerships with global development banks and regional regulators to further legitimize digital credit as a cornerstone of economic growth in underserved territories.

4. Clara’s Meteoric Rise in Latin America

News Summary
Mexican fintech Clara has skyrocketed from $102,000 in first-year revenue to $28.3 million by 2023, earning a unicorn valuation north of $1 billion. Operating across Mexico, Brazil, and Colombia, Clara offers corporate spend management, expense tracking, and virtual cards. Despite its rapid growth, Clara faces headwinds: fragmented regulatory regimes, low financial literacy, and significant unbanked populations.
Source: Financial Times

Analysis & Commentary
Clara’s trajectory illustrates the dual-edged nature of rapid scale: while its product-market fit in corporate expense management is undeniable, sustaining growth demands navigating divergent compliance frameworks and investing in customer education.

Opinion: Clara’s next frontier should be embedded finance—integrating expense tools directly into ERP systems and e-commerce platforms. By shifting from a standalone app to an API-first infrastructure, Clara can embed its services where customers already work, accelerating adoption and deepening stickiness.

5. Alternative Payments’ $22 Million Funding Round

News Summary
Embedded fintech specialist Alternative Payments has raised $22 million in a Series B round led by strategic investors. The capital will fuel product development for seamless integration of payments, credit, and loyalty directly into non-financial platforms—retail, gaming, and SaaS ecosystems. This trend of “fintech as infrastructure” is gaining traction as businesses seek new monetization avenues.
Source: Axios Pro

Analysis & Commentary
Embedded fintech is more than a buzzword—it’s the next frontier of customer experience. By migrating financial services under the UI of non-financial apps, companies can drive conversion, loyalty, and ancillary revenue without re-directing users to external portals.

Looking ahead, partnerships between fintechs like Alternative Payments and major platform providers (e.g., e-commerce marketplaces, ERP vendors) will accelerate. The winners will be those who provide turnkey, compliant solutions that integrate seamlessly into existing tech stacks while managing regulatory risk.

6. Emerging Themes & Strategic Imperatives

1. From Challenger to Universal Bank: Nubank’s licensing pivot signals a maturation trend—fintechs evolving into full-service banks to command broader customer value chains.

2. Strategic M&A in Growth Markets: Fiserv’s Money Money acquisition underscores M&A as the fastest path to market in complex, high-growth regions.

3. Capital for Inclusion: LendMN’s latest facility reflects sustained investor appetite for fintechs driving social impact in underserved areas.

4. API-First Expansion: Clara and Alternative Payments exemplify the shift toward embedded finance, offering modular, scalable solutions that plug into enterprise workflows.

5. Regulatory Adaptation: Across markets, success hinges on navigating evolving compliance regimes; firms that can anticipate and adapt will secure durable advantages.

Opinion-Driven Takeaway:
The fintech sector’s trajectory in 2025 is defined by convergence—between digital banking and universal banking, between fintechs and incumbents via M&A, and between finance and everyday digital experiences through embedded APIs. To thrive, companies must balance innovation with regulatory foresight, pursue partnerships that accelerate scale, and root their growth in genuine customer value.

Conclusion

Today’s news paints a vivid picture: digital banking pioneers are leveling up to universal banking, payments giants are buying local champions to accelerate Latin American expansion, capital is flowing to fintechs advancing inclusion in frontier markets, and embedded finance continues its march toward ubiquity. For industry observers and participants alike, these developments affirm that fintech’s next chapter will be written in collaboration—with regulators, incumbents, and global investors—all striving to make finance seamlessly accessible to everyone, everywhere.

Stay tuned for tomorrow’s Fintech Pulse, where we’ll continue to bring you the insights that matter most.

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The post Fintech Pulse: Your Daily Industry Brief – April 25, 2025 | Nubank, Fiserv, LendMN, Clara, Alternative Payments appeared first on News, Events, Advertising Options.

ST. PETERSBURG, Fla., April 25, 2025 /PRNewswire/ — Webull Corporation (NASDAQ: BULL) today announced the filing of its annual report on Form 20-F for the fiscal year that ended on December 31, 2024, with the U.S. Securities and Exchange Commission (the “SEC”). The annual report on Form 20-F can be accessed on the Investor Relations section of Webull’s website at https://www.webullcorp.com/investor-relations/sec or on the SEC’s website at www.sec.gov.

Shareholders and holders of Webull’s securities may request a hard copy of the Webull’s annual report on Form 20-F containing the audited consolidated financial statements, free of charge, by contacting Webull at 200 Carillon Parkway, St. Petersburg, Florida 33716.

For enquiries, please contact:
ir@webullcorp.com

About Webull
Webull Corporation (NASDAQ: BULL) owns and operates Webull, a leading digital investment platform built on next-generation global infrastructure. Through its global network of licensed brokerages, Webull offers investment services in 14 markets across North America, Asia Pacific, Europe, and Latin America. Webull serves more than 23 million registered users globally, providing retail investors with 24/7 access to global financial markets. Users can put investment strategies to work by trading global stocks, ETFs, options, futures and fractional shares through Webull’s trading platform, which seamlessly integrates market data and information, its user community, and investor education resources. Learn more at https://www.webullcorp.com/. 

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AMSTERDAM, April 25, 2025 /PRNewswire/ — New Amsterdam Invest N.V. (the “Company”, or “New Amsterdam Invest”, or “NAI”), a Dutch commercial real estate company listed on Euronext Amsterdam, announces its annual results and annual report for the financial year 2024, today.

Aren van Dam, ceo New Amsterdam Invest commented:

“With modest pride we report on New Amsterdam Invest 2024 results. An operational result of € 9.4 million in our first full year of operation. The operational results for 2024 is significantly positive impacted by valuation differences. These valuation differences amount to € 3.5 million mainly related to Interra Remington, an investment property acquired on 1 November 2024. The result for 2024 amounts to a profit of € 5.2 million.

The Company operates in a challenging environment with risks of significant currency exchange differences, partly due to the present turbulent economic conditions. However we do currently not encounter significant impact on our tenants.

New Amsterdam Invest wants to position itself as a dividend stock. As a consequence we aim to meet our financial and quantitative parameters as set out at listing, which among others includes a yearly dividend pay-out between 4.5% and 6.5% of the Company’s equity value.

As management we are confident to build NAI further and to be well on track to realize the articulated financial objectives of the Company.”

Financial Highlights

• Rental Income 2024: € 11.1 million
• Net Rental Income 2024: € 7.6 million
• Result for 2024 after non-controlling interest: € 2.7 million
• Earnings per ordinary share: € 0.51
• Total investment property 2024YE: € 128.7 million
• Total Equity 2024YE: € 54.7 million
• Cash generated from operation 2024: € 3.1 million
• Solvency 2024YE: 40.2%

Strategic Highlights

In line with its strategy, NAI acquired a second investment property in the USA on 1 November 2024. This property with an expected rental income 2025 of € 6 million and an annual profit before tax of € 3 million, will contribute significantly to the Company’s result, although approximately 41% of the result will be allocated to the minority interest held by  our local business partner.

Outlook 2025

For 2025 NAI expects to be profitable and well on track to realize the financial objectives the Company as previously articulated. More specific, NAI reiterates that its current portfolio should enable it to realise a net rental income in the financial year 2025 of approximately 11.6 million and an annual  result before tax of € 5 million, excluding potential impact of revaluation of investment property, exchange rate differences, minority share(s), and the results from the acquisition of new investment property.

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Business overview 2024

The results from group companies have been included and consolidated within the Company’s results. The net rental income including service expenses charged amounts to € 7.6 million. The result before taxation for the financial year 2024 amounts to a profit of € 6.8 million. Included in this profit are the positive valuation differences 2024 in the amount of € 3.5 million.

Further we note that the expected loss on the VAT receivable to the amount of € 330k, as included in the general and other expenses, has been charged to the result in the financial year 2023 and has been fully released in 2024, which results in a comparable difference of € 660k. 

Property portfolio

On 1 November 2024, the company acquired the property Interra Remington, Houston USA, via one of its subsidiaries, bringing the total investment properties in the Company’s portfolio to seven; five properties in the UK and two properties in the USA, all held by local group companies.

The breakdown of the investments per property at Year-End is as follows:
In €1.000		2024	2023 Advertisement
Somerset House, Birmingham		18.490	16.841
Interra One Park Ten, Houston		17.641	17.948
Travelodge, Edinburgh		13.907	11.569
Sutherland House, Glasgow Advertisement		9.190	10.475
Blythswood Square, Glasgow		10.557	10.360
Forthstone, Edinburgh		10,738	10.222
Interra Remington, Houston		48.141 Advertisement	0
Total investments at fair value		128.664	77.416

Of the total 2024 rental and service charge income of € 11.1 million, 57% was generated in the UK and 43% in the USA.

Cash flow, and cash position

The cash flow from operating activities 2024 increased and amounts to €3.1 million (previous year €1.0 million). This cash was used for the payment of the interim dividend, distribution of share premium to shareholders and further investments in existing owned properties. 

Cash and cash equivalents decreased by approximately €0.4 million to €5.0 million (rounded) as at 31 December 2024. This decrease is largely driven by available cash at Interra Remington.

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Share Capital and Share Price
		Number of shares
Type of shares		%	31 December 2024
Ordinary shares issued to investors, admitted listing and trading		74.6	3.910.250
Ordinary shares issued to the Promoters (Cornerstone Investment), admitted to listing and trading Advertisement		24.0	1.257.789
Promoter shares		1.4	73.653
Priority shares issued to Sichting Prioriteit New Amsterdam Invest		0.0	5
		100.0	5.241.697 Advertisement
Ordinary shares owned by the Company (Treasury Shares)			943.558
Shares in total			6.185.255
Share capital at €0.04 per share (€ * 1,000)			247

The ordinary share price closed at € 9.00 on 31 December 2024 (31 December 2023: € 9.10)

Tax position

The current tax is based on the taxable result per entity for the reporting period. Up to 31 December 2023, the Company recognized losses. As a result of the profit realized during 2024 the net deferred tax asset, as recognised in 2023, decreased with € 333k, which is charged to the result 2024.

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The unused tax losses in the amount of € 1.3 million pertain to the Netherlands and the United Kingdom and, as tax laws currently stand, can be carried forward indefinitely.

Events after balance sheet date

No relevant events after the balance sheet date.

Annual General Meeting scheduled for 6 June 2025 DV

The convocation, explanatory notes, written proxy and further documentation for the AGM will be available in Dutch and English. All relevant documents are available in the download section of NAI’s website https://www.newamsterdaminvest.nl/#downloads. 

The agenda for the AGM includes various items, amongst others, the adoption of the annual accounts as published today, and the reappointment of BDO Audit & Assurance B.V. as external independent auditor of NAI for the fiscal year ending 31 December 2025. Full details of all voting items are published on NAI’s website. The annual report of NAI relating to the financial year ending on 31 December 2024 published 16 April 2025, including the financial statements, the reports of the management board and supervisory board and the remuneration report, have also been published on the Company’s website.

Financial Calendar

• 25 April 2025, publication Annual Report 2024.
• 25 April 2025, publication Agenda General Meeting of Shareholders 6 June 2025 DV.
• 6 June 2025 DV, General Meeting of Shareholders.
• 29 August 2025, DV half year 2025 results publication.

P&L and Balance Sheet New Amsterdam Invest 2024

An overview of the main financial statements of New Amsterdam Invest in 2024 is provided in the following  tables attached to this press release, for more detailed information we refer to the annual report 2024 as published on the NAI website.

1.  Statement of Consolidated Financial Position as at 31 December 2024 (2023)

2.  Statement of Consolidated Profit and Loss for the Year 2024 (2023)

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3.  Statement of Consolidated Comprehensive Income for the year 2024 (2023)

4.  Consolidated Cash Flow Statement for the year ended 31 December 2024 (2023)

5.  Statement of Changes in Equity for the year ended 31 December 2024 (2023)

About New Amsterdam Invest

New Amsterdam Invest N.V. is a Dutch commercial real estate company listed at Euronext Amsterdam with operating companies in the United States and the United Kingdom.

The main objective of New Amsterdam Invest is running commercial activities including the owning, (re-)developing, acquiring, divesting, maintaining, letting out and/or otherwise operating commercial real estate, all in the broadest possible meaning.

All information about New Amsterdam Invest can be found on the company website: www.newamsterdaminvest.com

Disclaimer

Elements of this press release contain or may contain information about New Amsterdam Invest N.V. within the meaning of Article 7(1) to (4) of the EU Market Abuse Regulation.

This press release may include statements, including NAI’s financial and operational medium-term objectives that are, or may be deemed to be, ”forward-looking statements”. These forward-looking statements may be identified by the use of forward-looking terminology, including the terms ”believes”, ”estimates”, ”plans”, ”projects”, ”anticipates”, ”expects”, ”intends”, ”may”, ”will” or ”should” or, in each case, their negative or other variations or comparable terminology, or by discussions of strategy, plans, objectives, goals, future events or intentions.

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Forward-looking statements may and often do differ materially from actual results. Any forward-looking statements reflect NAI’s current view with respect to future events and are subject to risks relating to future events and other risks, uncertainties and assumptions relating to NAI’s business, results of operations, financial position, liquidity, prospects, growth or strategies. Forward-looking statements speak only as of the date they are made.

1.  Statement of Consolidated Financial Position
as at 31 December 2024
(*€1,000)		31 December 2024	31 December 2023
Assets
Advertisement Non-current assets
Investment property		128,664	77,416
Property, plant and equipment		3	7
Deferred tax assets		402	735 Advertisement
Total non-current assets		129,069	78,158
Current assets
Accounts receivable		769	516
Value added tax receivable		360 Advertisement	10
Current account investors		–	130
Other assets and prepaid expenses		1,027	146
Cash and cash equivalents		5,097	5,490 Advertisement
Total current assets		7,253	6,292
Total assets		136,322	84,450

1. Statement of Consolidated Financial Position   Advertisement
as at 31 December 2024
(*€ 1,000)		31 December 2024		31 December   2023
Equity and Liabilities
Equity
Share capital		247		247 Advertisement
Share premium		49,172		49,762
Currency translation reserve		1,676		-610
Legal reserves		868		–
General reserves Advertisement		-5,989		-5,970
Attributable to owners of the parent		45,974		43,430
Non-controlling interest		8,773		840
Total equity		54,747 Advertisement		44,270
Non-current liabilities
Loans bank		63,720		35,393
Loans related party USA		5,072		–
Deferred tax liability Advertisement		1,252		116
Total non-current liabilities		70,044		35,509
Current liabilities
Trade payables		425		136 Advertisement
Tax liabilities		2,049		105
Current account related party		337		–
Deferred rental income		1,179		760
Loans bank Advertisement		408		–
Loans related party USA		2,340		2,201
Other short-term liabilities		4,793		1,469
Total current liabilities		11,531 Advertisement		4,671
Total liabilities		81,575		40,180
Total equity and liabilities		136,322		84,450

2. Statement of Consolidated Profit or Loss Advertisement
for the year ended 31 December 2024
(*€1,000)		2024	2023
Rental income		11,112	4,586
Direct related costs		-3,560	-861 Advertisement
Net Rental income		7,552	3,725
Revaluation of investment property		3,517	-4,929
Legal and professional fees		322	1,137
Personnel expenses Advertisement		826	665
Administrative and overhead expenses		488	708
General expenses		298	256
Other expenses		-276 Advertisement	852
Total expenses		1,658	3,618
Operating result		9,411	-4,823
Financial income and expense		-2,633	-578 Advertisement
Result before tax		6,778	-5,401
Income tax		-1,622	605
Result for the period		5,156	-4,796
Result attributable to: Advertisement
Shareholders		2,647	-4,907
Non-controlling interest		2,509	111
Result for the period		5,156	-4,796
Basic earnings per share (*€1) Advertisement		0.51	-0.97
Diluted earnings per share (*€1)		0.51	-0.97

3.   Statement of Consolidated Comprehensive Income
for the year ended 31 December 2024   Advertisement
(*€1,000)		2024	2023
Result for the period		5,156	-4,796
Items which may be recycled to profit or loss (net of tax)
Exchange differences		2,674	-693 Advertisement
Total comprehensive income		7,830	-5,489
Attributable to:
Shareholders		4,933	-5,517
Non-controlling interest		2,897	28 Advertisement
Total comprehensive income		7,830	-5,489

4.   Statement of Consolidated Cash Flows
for the year ended 31 December 2024
(*€1,000)		2024	2023 Advertisement
Operating activities
Result before tax		6,778	-5,401
Adjustments
Depreciation		5	7
Share-based payment expense Advertisement		–	84
Reversal of impairment on VAT receivable		-330	–
Revaluation of investment property		-3,517	4,929
Interest income and expense		2,795 Advertisement	537
Total adjustments		-1,047	5,557
Changes in working capital
Increase in current liabilities		44	1,123
Decrease/(increase) in current assets excluding cash and cash equivalents		-610 Advertisement	152
Increase/(decrease) in trade payables		518	-61
Total changes in working capital		-48	1,214
Cash generated from/(used in) operations		5,683	1,370 Advertisement
Interest paid		-2,637	-816
Interest received		78	514
Income taxes paid		–	–
Cash flow from operating activities Advertisement		3,124	1,068
Investing activities
Investments in investment property, net of cash acquired		-1,338	-54,093
Investments in property, plant and equipment		-1	-1
Release from escrow account Advertisement		–	48,437
Cash flow from investing activities		-1,339	-5,657
Financing activities
Proceeds from additional promoter contribution		–	335
Repayment of current account related party Advertisement		–	-104
Proceeds from loans		530	33,827
Repayment of loans		-261	-23,956
Dividends paid		-2,019 Advertisement	–
Distribution to non-controlling interest		-415	–
Cash flow from financing activities		-2,166	10,102
Movement Cash and cash equivalents		-381	5,513 Advertisement
Cash and cash equivalents as at 1 January		5,490	16
Exchange differences		-12	-39
Cash and cash equivalents as at 31 December		5,097	5,490

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5.  Statement of Consolidated Changes in Equity
for the year ended 31 December 2024
(*€1,000)	Share capital	Share premium	Currency Translation Reserve	Legal reserves	General reserve	Total attributable to shareholders Advertisement	Non-controlling interest	Total Equity
	247	49,762	-610		-5,970	43,430	840	44,270
Balance at 31 December 2023 Advertisement				–
Result for the year	–	–	–	–	2,647	2,647	2,509	5,156 Advertisement
Other comprehensive income	–	–	2,286	–	–	2,286	388	2,674
Total comprehensive income Advertisement	–	–	2,286	–	2,647	4,933	2,897	7,830
Non-controlling interest acquired	– Advertisement	–	–	–	–	–	4,015	4,015
Transfer to legal reserves	–	– Advertisement	–	868	-868	–	–	–
Dividend	–	-590	– Advertisement	–	-1,769	-2,359	–	-2,359
Share-based payment	–	–	–	– Advertisement	–	–	1,436	1,436
Distribution to non-controlling interest	–	–	–	–	– Advertisement	–	-415	-415
Other	–	–	–	–	-30	-30 Advertisement	–	-30
Balance at 31 December 2024	247	49,172	1,676	868	-5,989	45,974	8,773 Advertisement	54,747

5  Statement of Consolidated Changes in Equity
for the year ended 31 December 2023
(*€1,000)	Share capital	Share premium	Currency Translation Reserve	General reserve Advertisement	Total attributable to shareholders	Non-controlling interest	Total Equity
	247	49,419	–	-1,146	48,520	–	48,520 Advertisement
Balance at 31 December 2022
Result for the year	–	–	–	-4,907	-4,907	111	-4,796
Other comprehensive income Advertisement	–	–	-610	–	-610	-83	-693
Total comprehensive income	–	– Advertisement	-610	-4,907	-5,517	28	-5,489
Non-controlling interest acquired	–	–	–	– Advertisement	–	812	812
Additional promoter contribution	–	343	–	–	343	– Advertisement	343
Equity settled share-based payments	–	–	–	84	84	–	84
Balance at 31 December 2023 Advertisement	247	49,762	-610	-5,970	43,430	840	44,270

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