Latest opinions that Sam Boboev has shared on Finextra

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Sam Boboev

Founder

Fintech Wrap Up

Member since

31 Oct 2020

Location

Saint Julian's

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Sam's opinions

Deep Dive: Stripe and Circle Are Launching Their Own Blockchains – Here’s the Lowdown

Imagine sipping coffee with a fellow fintech nerd when they drop this bombshell: “Did you hear Stripe and Circle are both building their own Layer-1 blockchains?” It sounds crazy, but it’s true. In the past few months, payments giant Stripe (yes, that Stripe) and stablecoin issuer Circle have each unveiled plans for custom L1 blockchains – Stripe’...

24 August 2025 /payments /crypto

Deep Dive: Coinbase’s Commerce Payments Protocol: How to Use It, Integrate It, and Win With It

Coinbase and Shopify have teamed up to launch the Commerce Payments Protocol, an open onchain payments standard designed for real-world commerce. Announced in mid-2025, this protocol brings sophisticated multi-step payment flows (think escrow, authorizations, captures, refunds) onto the blockchain, while preserving crypto’s core benefits of speed...

17 August 2025 /payments /crypto

Deep Dive: The Rise of Spend Management Fintechs in the EU and UK

As a fintech product manager and enthusiast who writes a newsletter, I constantly monitor developments in fintech, payments, banking, and related markets. Recently, my attention has been drawn to the spend or expense management landscape, especially after witnessing significant funding rounds by companies such as Payhawk, Ageras, and Light. These

15 August 2025 /payments /markets

Deep Dive: What Shopify’s AI Storefront Updates Mean for Commerce and Payments

Shopify is betting big that conversational AI agents will become the new storefronts of the internet – and it’s rolling out some ambitious tools to make that happen. If phrases like Model Context Protocol (MCP) and Global Catalog sound like sci-fi jargon, fear not. In this deep dive, we’ll break down Shopify’s Storefront AI Agent strategy, why it ...

10 August 2025 /payments

Deep Dive: BVNK vs. Bridge vs. Zero Hash - Stablecoin Payment Infrastructure

Stablecoins are rapidly transforming how money moves globally, blurring the lines between traditional finance and crypto. At the heart of this shift are platforms like BVNK, Bridge, and Zero Hash, offering the rails that connect traditional finance to digital assets. All three offer APIs that help fintechs and enterprises send, receive, convert an...

03 August 2025 /payments /crypto

Deep Dive: Plaid - Products, Tech, and Business

Open banking has become the backbone of modern fintech, and at the center of this ecosystem is Plaid – a company that functions as the “financial data network” connecting banks, fintech apps, and consumers. If you’ve ever linked your bank account to a budgeting app, a payment service, or an investment platform, chances are Plaid powered that conn...

27 July 2025 /payments

Deep Dive: Unpacking PayPal’s Core Product Stack

PayPal is one of the original giants of fintech – with over 430 million customer accounts across more than 200 markets – and it powers roughly a quarter of the world’s e-commerce transactions. Yet even a company of this scale must evolve. In 2025, under new CEO Alex Chriss, PayPal is revamping its core product stack to reignite growth and stay ah...

20 July 2025 /payments

Deep Dive: Monzo's Business, Explained

Monzo has emerged as one of fintech’s standout success stories – a digital bank that now boasts over 12 million customers and a profitable business model. In an industry where many challengers are still chasing sustainable unit economics, Monzo has redefined what banking can be – and where it’s going. Launched in 2015 as a scrappy startup, Monzo

13 July 2025 /payments /retail

Deep Dive: Stripe vs. Adyen – Comparing Product Stacks and Pricing

Two fintech heavyweights are vying for dominance in global payments: Stripe and Adyen. Both power a substantial share of online commerce, yet they’ve taken different paths to the top. Stripe, the Silicon Valley darling, built its name with developers and startups; Adyen, the Dutch powerhouse, quietly became the backbone for many large global reta...

06 July 2025 /payments

Deep Dive: Wise – Building a World of Money Without Borders

Wise (formerly TransferWise) has quietly become one of fintech’s biggest success stories, transforming how people and businesses send money across borders. From humble startup origins in 2011, Wise now moves over £145 billion internationally each year for 15+ million customers – at a fraction of the cost charged by banks. In doing so, Wise sa

29 June 2025 /payments

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