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Most people end up with multiple bank accounts by accident: one left over from a first job, a joint one for the household, a third opened for a loan and never closed. Money set aside for rent should not quietly fund a weekend. What has changed is that separation no longer requires separate providers.
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You paid a supplier at 6:40pm on a Friday. On Monday they email to say nothing has arrived. Nothing went wrong – the payment went out on the standard rail, and the standard rail does not run at weekends.
Reward cards are easy to compare on earn rate and hard to compare on anything else. A card quoting 1 point per euro looks like a near match for one paying 0.5% cashback, yet realised returns can differ threefold.
Ask ten founders why they licensed in Malta and you will hear ten variations of the same answer...
Agentic commerce is the shift from you asking “buy” to an AI agent doing it for you — finding the product, choosing it, and paying on your behalf. It was the loudest theme at Money20/20 Europe this year, on the stage and on the floor.
At Money20/20 Europe in Amsterdam, one question kept coming up at our stand: how does a regulated financial institution actually connect to the euro rails it depends on? It sounds simple. In practice, it is one of the hardest problems a new payments or crypto firm faces in Europe.
Financial services are undergoing a true transformation, and at the heart of this shift lies embedded finance, a concept that should go beyond the capabilities of open banking in order to redefine how businesses and consumers interact with business financial services.
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Card skimming is the theft of card data at the point where a card meets a machine: an ATM slot, a fuel pump, a self-checkout reader. A device fitted over or inside the reader copies what the card gives up, while a camera or fake keypad records the PIN. The data then ends up on a counterfeit card, usually used far from where it was stolen.
You want to order from a shop you have never used, without handing over the card your salary lands on. Or you have a reloadable card and want to know if it will get through checkout. A prepaid card for online shopping can do the job – once you know how the shop reads the card, what loading and spending cost, and what happens with renewals and refunds.
A savings product and a fintech loyalty program can both show a yearly percentage next to your balance, but they rest on different contracts. Interest is what a bank pays for using your deposit; a balance reward is a bonus paid under a loyalty program’s rules while your money stays in an e-money account. Comparing balance rewards vs interest means checking who pays, who qualifies, how the amount is calculated, when it’s paid and what protects the money underneath.
Most people reach the hot wallet vs cold wallet question once crypto has already arrived somewhere, and a balance is sitting in an app.
Most people end up with multiple bank accounts by accident: one left over from a first job, a joint one for the household, a third opened for a loan and never closed. Money set aside for rent should not quietly fund a weekend. What has changed is that separation no longer requires separate providers.
Most scam advice focuses on spotting the fake: bad grammar, an odd link, a number you don’t recognise. That advice is getting less useful because the fakes keep improving. A caller can make your provider’s real support number appear on your screen, and a fraudulent text can land in the same thread as genuine messages.
Meet the analysts, engineers, and strategists behind Blackcat. Our team combines decades of experience in traditional finance and decentralized
Chief Technology Officer
Chief Technology Officer at Blackcat, driving product development and technology optimisation. Ex-PrivatBank, First Swiss Card, and the Association of Commercial Banks of Latvia. He holds a Doctor of Science degree, won PayTech Leadership in 2023, and is FERMA rimap® certified.
Payment & FinTech consultant
Payment and FinTech consultant (ex-BCG, Deutsche Bank, PwC) specialising in regulatory compliance and risk management.
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Barrister and corporate counsel
UK-qualified barrister and corporate counsel with over 14 years advising startups, fintech companies, and SaaS platforms on cross-border transactions, digital payments, fraud risk, and compliance.
Product & Growth Manager at Blackcat
Covers payment infrastructure, feature updates, and real-world use cases of digital financial services for users across Europe and the UK.
Financial Editor at Blackcat
Payment and FinTech consultant (ex-BCG, Deutsche Bank, PwC) specialising in regulatory compliance and risk management.
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