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Deep & Emerging Tech·September 1, 2026·1 min read

What banks already have that fintechs can't replicate in cross-border payments

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In cross-border, banks’ edge is embedded — compliance rails, correspondent networks, and trust — not UX. If you’re a bank exec, the move is to expose those moats as APIs and workflows before wallet-native fintechs wrap them for you and own the customer surface.