Welcome to the April installment of Fin Capital's newsletter. It’s been a busy month for the team and our portfolio companies.

Launch of Circle’s Payment Network: Circle, a Fin Capital portfolio company, announced the launch of their Payment Network this month. CPN is a new protocol designed to connect financial institutions globally for compliant, real-time stablecoin payments. Though stablecoins make value transfer instant, the orchestration layer around them is often fragmented and complex. Circle is now able to operate a coordination protocol for member and price discovery, as well as payment routing and settlement between counterparties. They do this by onboarding pre-vetted third-party service providers and issuing credentials confirming adherence to CPN standards for licensing, AML/CFT, sanctions compliance, etc. Early bank partners include Societe Generale, Deutsche Bank, Standard Chartered, and Santander. Conduit, also a Fin Capital portfolio company, is an early service provider partner on the network enabling cross-border payroll and accounts payable.

Capital One Receives Approval to Acquire Discover: The Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency have approved Capital One’s proposed acquisition of Discover. Not only does this deal indicate the new administration’s openness and support of M&A, but this merger also strategically positions the combined company for sustained growth through innovation, operational efficiencies, and enhanced customer experiences. By leveraging Capital One’s tech first approach and Discover’s robust global payments network, the deal is set to redefine the competitive landscape in payments and banking. Firstly, the combined entity would become the largest credit card lender in the U.S. Additionally, Discover's ownership of Pulse provides a foundation for debit card transactions, and its integration into Capital One's ecosystem could drive innovations in payment processing for both consumers and merchants. 

Insights from Cornerstone Advisors’ 2025 Digital Banking Report: Cornerstone Advisor’s annual report, compiled from a sample of 98 Financial Institutions, looks at current adoption and planned use of emerging digital technologies. One statistic that caught our eye is the just 16% of participants offer subscription management through their digital banking platform, but that percentage is poised to double by the end of 2025. With the rise of recurring revenue models and regulatory developments highlighting the importance of protecting consumers, we believe banks are primed to offer solutions to their customers that provide transparency, control, convenience, and budgeting functionality. Fin Capital portfolio company, Array, already offers banks a completely white-label and modular subscription management solution and is live with some of the top banks in the US. Reach out to [email protected] if you want to learn more about their solution.

The Latest GTM Navigator  

Check out our latest GTM Navigator episode!

Nick Daley, Senior Associate at Fin Capital, joins Bryan Caplin, CRO at Newsela and Advisor at Thoropass, to discuss successful revenue operations growth.

We hope in this edition you’ll gain insights into how to build and scale a RevOps team, the role RevOps plays as a company matures, and useful KPIs & data points used within the role of RevOps. 

Fin Capital and Blend360 Announce Strategic Partnership to Enable Corporate Innovation Focused on AI

We’re excited to announce a strategic partnership with Blend360, designed to empower our corporate partners and portfolio companies with world-class AI capabilities and venture expertise. This collaboration will bring together Fin Capital’s deep venture investing experience, corporate venture services, and proprietary Lighthouse Platform with Blend360’s award-winning AI talent network, product development services, and consulting capabilities.

"This partnership with Blend360 enables us to deliver even more value to our corporate partners and Founders by pairing Fintech innovation with enterprise-grade consulting and professional services to support implementation and execution," said Logan Allin, Managing Partner at Fin Capital.

"Enterprise innovation is at a crossroads, and our joint approach with Fin Capital is about unlocking what’s next," said Alix Sion, Head of Financial Services at Blend360. "We’re blending AI talent, product strategy, and venture investing into one unified offering for today’s enterprise leaders."

This partnership comes at a time when companies are increasingly seeking agile, tech-forward partners to help navigate emerging technologies like generative AI, embedded finance, and data-native products.

The New Wave of Fintech

Founder & Managing Partner, Logan Allin, sat down with Fintech Nexus to discuss the "third wave" of volatility where he highlights innovative approaches to navigating negative market uncertainty within the fintech landscape.

Japan’s VC Market: Navigating a New Era of Investment

In the most recent edition of Couchonomics with Arjun, Logan Allin, discusses how real innovation is happening behind the scenes. Whether it be by replacing legacy core banking systems or scaling globally with conviction, hear more using the link below!

Recent Portfolio Milestones

• Congratulations to Healthee on their Series B raise.

• Congratulations to Navro on their Series B raise. 

• Congratulations to Turbine Finance on their Series A raise. 

• Congratulations to hi.health for being acquired by Pliant to bring their payment expertise to the insurance industry. 

Events

• We had a great time at the Fintech is Femme Leadership Summit during New York Fintech Week! Incredibly energizing to be surrounded by so many brilliant women building the future of fintech.

  

• May 28th at 11AM PT / 2PM ET: Virtual Demo Day 

  • Keep an eye out for our Q2 virtual demo day invite - Scaling Securely: Navigating Identity & Endpoint Protection in Global Waters, where we’ll dive into how today’s leading companies are rethinking identity and endpoint security orchestration. 

Portfolio Spotlight

It’s been a busy month, sharing some of the latest moments from across portfolio…

• Big Ticket has been named the winner of the UK National Insurance Award for Insurtech in Commercial Insurance 

• Bilt Rewards announces partnerships with Southwest Airlines to enable 1-to-1 point transfers 

• Bite Investments wins “Best Software for Asset Managers & Fund Administrators” at the 2025 Finance Derivative Awards 

• DailyPay named a preferred vendor for Popeyes International Franchise Association 

• Funnel Leasing has launched Fenix, a standalone AI product purpose-built for multifamily 

• Mechanical Orchard launches Imogen, their end-to-end mainframe modernization platform and announces partnership with Thoughtworks 

• Congratulations to Pipe on the acquisition of Glean.ai! This will enable intelligent spend management into Pipe’s growing suite of embedded financial solutions 

• Talos named a Top 50 Digital Asset Institution by The Digital Banker 

• Ternary and Aztek Technologies announce strategic partnership to enable Aztek to expand its offerings to include multi-cloud FinOps services 

• Yaspa has been named a finalist for the “Best Use of AI in Fintech of the Year” for their work on intelligent payments at the Fintech Awards London 

What We’re Reading

INDUSTRY RESEARCH 

• Insight Partners: The Metrics that Matter for a Successful Exit (Read More) 

• Citi: Banks and Public Sector Drive Blockchain Adoption (Read More) 

BLOGS, PODCASTS AND VIDEOS 

• Hypergrowth Leadership: How to Divide Sales and Marketing Budget in B2B: Benchmarks and Insights (Read More) 

• Leah’s ProducTea: The Most Common Mistakes with Pricing Pages (Read More) 

• Hello Advisor: The Ultimate Guide to Pricing Your AI Products (Read More) 

• Mostly Metrics: How to Build a Net Dollar Retention Bridge (Read More) 

• SaaStr Insider: The Compound Startup Advantage: Why The CEO of Rippling Believes Focus Is Overrated (Read More) 

• MRR Unlocked: Hiring your first GTM team: 9 common mistakes and how to avoid them (Read More)  

• Growth Unhinged: A new framework for AI agent pricing (Read More) 

• PeerSignal: 5 ICP Marketing Plays that actually work (with proof) (Read More) 

• Elena's Growth Scoop: You Should Probably Form a Monetization Council (Read More) 

Thanks for reading!

We are grateful for your partnership and support, and welcome any feedback you have. We’ll see you next month with more!

-The Fin Capital team

_Disclaimer

_{This material is provided for informational purposes, and it is not, and may not be relied on in any manner as, legal, tax or investment advice or as an offer to sell or a solicitation of an offer to buy an interest in any fund or investment vehicle managed by Fin Venture Capital Management LLC (“Fin”) or its affiliates. Content obtained from third-party sources, although believed to be reliable, has not been independently verified as to its accuracy or completeness and cannot be guaranteed. Fin has no obligation to update, modify or amend the content of this post nor notify its readers in the event that any information, opinion, projection, forecast or estimate included, changes or subsequently becomes inaccurate.}