The Fintech Brief | Platforms Are Betting on Liberis Speed

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Editor’s Pick 📌

💡 From Click to Capital in 10 Minutes: The Tech Powering Liberis' Embedded Advantage

In part two of our innovation roadmap, we take you inside the technology transforming how small businesses access funding—with approvals in seconds and capital delivered in as little as 10 minutes.

For too long, traditional funding channels have left SMBs jumping through hoops—slow approvals, piles of paperwork, and rigid requirements that leave many behind. Liberis is changing that through an automation-first approach that’s fast, inclusive, and built for scale.

Here’s what’s under the hood:

• 4-click application journeys with frictionless data capture and contract signing 

• 90%+ auto-decisioning rates powered by AI underwriting 

• Instant disbursal through fully digitised workflows, all via a single API 

• 99%+ retention rates among funded customers on partner platforms 

For platforms, the impact is real: seamless SMB experiences, exceptional conversion rates, and the ability to serve micro-merchants profitably—segments previously considered too costly or risky to support.

This is more than efficiency—it’s a competitive edge. Whether you're powering marketplace sellers, POS providers, or SMB ecosystems, Liberis' embedded finance infrastructure delivers funding at the speed of business.

Industry Trends & Innovation 💡

REGULATORY COMPLIANCE

RegTech's Role in Enhancing Real-Time Payments and Compliance

RegTech supports growth and compliance in the real-time payments landscape by automating customer screening and transaction monitoring, thus reducing fraud risks and improving customer experience. Real-time compliance is essential as it addresses the burgeoning demand for instant payments and mitigates the threats associated with financial crimes. Investing in RegTech not only boosts operational efficiency but opens new revenue channels, making it vital for financial institutions to choose AI-driven solutions.

FINANCIAL CRIME COMPLIANCE

Embedding AI in Financial Crime Frameworks for Responsible Implementation

Embedding AI responsibly within financial crime prevention necessitates strong governance, active regulatory engagement, and human oversight. Elizabeth Callan advocates robust documentation, transparency, and explainable AI to maintain compliance and trust as firms scale AI deployment. Continuous data quality testing and clear vendor partnerships are essential for effective implementation.

BANKING CHARTER APPLICATION

Ripple Seeks US National Bank Charter for Enhanced Payment Efficiency

Ripple has applied for a US national bank charter to enhance payment efficiency and reduce intermediary costs, seeking a Federal Reserve account to securely hold stablecoin reserves. This move signifies a strategic alignment with the traditional banking system, aiming for regulatory clarity and industry legitimacy. It's a notable shift in cryptocurrency's integration into established financial frameworks, prompted by increased stablecoin adoption and legislative developments like the GENIUS Act.

BUSINESS EXPANSION

Worldpay Expands Offering to Address Rising Global Embedded Finance Demand