Announcement, Member Exclusive

Welcome to the Tearsheet PRO Newsletter

  • We're excited to introduce our new member-only newsletter, featuring fresh and exclusive content from Tearsheet Editors Zack Miller and Iulia Ciutina.
  • Tearsheet PRO is designed to connect the dots, challenge conventional thinking, and keep your finger on the pulse of established and emerging trends. In your inbox every Wednesday.
Iulia Ciutina | February 02, 2023
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Banking, Data, Member Exclusive

What a bank-client relationship looks like when banks control the data behind the UX

  • Client–bank relationships have long revolved around a destination model: clients log in, navigate dashboards, export data, assemble insights. Grasshopper Bank is rewriting that dynamic by moving from a destination to a ‘layer’.
  • The digital bank has launched its MCP server to bridge a critical gap: letting clients use modern AI tools with their financial data without sacrificing banking security or control.
Sara Khairi | April 02, 2026
10-Q, Member Exclusive

PayPal doesn’t have a growth problem – it has a positioning problem

  • At a time when payment winners must command either infrastructure or interface, PayPal is awkwardly positioned between the two.
  • The questions now are: Where does PayPal sit in the payments ecosystem, and does that position still matter? What unique role does it play in a stack that increasingly bypasses middle layers?
Sara Khairi | March 30, 2026
Building a platform, Future of Investing, Member Exclusive

How two Gen Z women founders are making wealth-building accessible

  • Two Gen Z women entrepreneurs founded Alinea Invest with a clear goal: to make investing approachable and relevant from day one for young investors.
  • The firm is carving out its path in a niche of finance, guided by a clear value proposition and a willingness to question the usual rules of the game.
Sara Khairi | March 26, 2026
10-Q, Member Exclusive

The slow death of interchange as a standalone growth engine

  • Interchange has long served as the go-to, dependable revenue source for payments-first fintechs.
  • Today, interchange alone can’t drive sustainable economics; lasting profit comes from recurring relationships, services, and value-added tools.
Sara Khairi | March 23, 2026
Banking, Member Exclusive

Why fintechs are transitioning from partners to principals in banking

  • The wave of charter filings in the first quarter of 2026 underscores shifts in fintech business and regulatory dynamics.
  • Direct supervision by banking regulators is demanding, but fintechs increasingly see it as offering greater operational certainty than fragmented licensing and partner oversight.
Sara Khairi | March 19, 2026
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