Posted by Alumni from Substack
January 30, 2026
Good morning & happy Friday! What a week in FinTech we just witnessed' ' The good news is that it's not over. Today we're diving into rockets, AI, and payment rails, or how Musk's building the closed-loop economy no bank can touch (deep dive into SpaceX & xAI [& X Money] merger, what everyone's missing about the biggest IPO of all time + bonus deep dive into Elon's Super App ambitions); Revolut, which just allowed AI to touch your money (why their partnership with ElevenLabs is brilliant & what's next for AI & Finance + bonus dive into Revolut's bet that AI will kill checkout & ElevenLabs pitch deck teardown inside); and Nubank's US charter that's now a stress test for every neobank's unit economics (why it's huge & who has to worry + bonus deep dive into NU's latest financials inside). Let's jump straight into the fascinating stuff '' The BIG News '' Undoubtedly one of the biggest news in tech this week is that Elon Musk's SpaceX is in talks to merge with Elon Musk's xAI (that also... learn more