Revolut – Earlybirds Invest https://earlybirdsinvest.com Latest Crypto News Wed, 30 Jul 2025 20:24:50 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.7 https://i0.wp.com/earlybirdsinvest.com/wp-content/uploads/2024/12/cropped-New-Project-2024-12-17T235703.455.png?fit=32%2C32&ssl=1 Revolut – Earlybirds Invest https://earlybirdsinvest.com 32 32 240146708 Revolut Eyes Acquisition of US Bank Accelerates US License Bidding https://earlybirdsinvest.com/revolut-eyes-acquisition-of-us-bank-accelerates-us-license-bidding/ https://earlybirdsinvest.com/revolut-eyes-acquisition-of-us-bank-accelerates-us-license-bidding/#respond Wed, 30 Jul 2025 20:24:50 +0000 https://earlybirdsinvest.com/revolut-eyes-acquisition-of-us-bank-accelerates-us-license-bidding/

British Fintech and Neobank Revolut are considering acquiring US banks to accelerate their entry into the US market. According to a recent report by the Financial Times, published on July 30, 2025, Revolut is focusing on the acquisition of nationally chartered banks that already hold licenses.

If this is done, Revolut can skip the steps that often involve getting a bank license from scratch. By shortening the process of securing an independent banking charter, Revolut can simplify lending capabilities in the US market.

The report also shows that UK-based Neobank is considering applying for its own US banking license, instead of acquiring existing chartered institutions.

Revolut has been expanding the US market for some time. Currently, the largest financial market in the world, the US, is the largest financial market in the world, and is expected to increase deposits in contrast to the slowdown that many UK fintech companies are currently facing.

According to a report by the Financial Times, Trump’s push for deregulation has led investors and businesses to believe that the office of the money secretary will allow the bank’s charter process to be expanded.

As a result, Revolut carefully considers its options before making any concrete moves.

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Revolut is about to expand through the Latin American market, the Middle East

Revolut is reportedly currently in discussions about a funding round that will increase its valuation to around $65 billion, according to the Financial Times. The company will allocate some of the raised capital to promote future expansion plans.

Revolut has looked into similar acquisition opportunities in other regions as part of a broader expansion strategy, including plans to buy banks in the Middle East. Additionally, last month we confirmed the purchase of Argentine lender Seterem from BNP Paribas.

It also holds a banking license in Lithuania, which allows repetitive access to the European Union and Mexico, but the company has not yet acquired a banking license in the UK. The application was approved last year, but regulatory restrictions in the region continue to limit lending operations.

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Getting a US Bank License Rotating: You can restart Digital Asset Play

However, Revolut’s global ambitions go beyond traditional banks. The company already offers crypto trading across the UK and the European Economic Area (EEA), and last week resumed limited services in Hungary.

New Hungarian law requires crypto companies to secure domestic licenses and suspended early in the summer.

Revolut stopped encryption in the US in October 2023 amidst uncertainty from regulatory authorities. Now that perspective has changed, the pursuit of banking licensing could potentially clear the company’s path to deliver a wider range of services in the US, including digital assets.

However, it all depends on whether the application is approved or not.

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Key takeout

  • UK Neobank, Revolut repeats US nationally chartered banks to accelerate US license bidding

  • The United Arab Emirates and Latin America are part of Revolut’s global expansion strategy

  • Revolut is weighing the options and may consider applying for its own US banking license as an alternative

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]]> https://earlybirdsinvest.com/revolut-eyes-acquisition-of-us-bank-accelerates-us-license-bidding/feed/ 0 50555 Revolut partners with Lightspark to integrate Bitcoin lightning payments https://earlybirdsinvest.com/revolut-partners-with-lightspark-to-integrate-bitcoin-lightning-payments/ https://earlybirdsinvest.com/revolut-partners-with-lightspark-to-integrate-bitcoin-lightning-payments/#respond Wed, 07 May 2025 18:34:51 +0000 https://earlybirdsinvest.com/revolut-partners-with-lightspark-to-integrate-bitcoin-lightning-payments/

UK fintech giant Revolut has partnered with Lightspark to bring Lightning Network support for Bitcoin (BTC) payments to users in the UK and select European Economic Area countries, the companies announced on May 7.

The integration enables near-instant, low-cost Bitcoin transactions for Revolut users by leveraging Lightspark’s enterprise-grade infrastructure. It marks a major milestone for the neobank, which is increasingly expanding its crypto functionality beyond trading and custody.

Emil Urmanshin, general manager of crypto at Revolut, said:

“Integrating with Lightspark is a natural step forward. We’re always looking for ways to offer faster and more affordable financial solutions — and their approach to global transactions enables us to do exactly that.”

The Lightning Network is a layer-2 protocol built on top of Bitcoin’s base chain. It is designed to improve transaction speed and reduce network fees. By tapping into this technology, Revolut joins a growing list of fintech companies adopting decentralized payment rails for practical use cases.

Lightspark CEO and co-founder David Marcus praised Revolut for leading the charge in blockchain adoption for modern finance. He added that Bitcoin and blockchain-based infrastructure are the “future of money.”

According to Marcus:

“For too long, traditional banks have relied on outdated, slow, and expensive payment systems‌ — ‌akin to dial-up when the rest of the world uses 5G. In a world with a new, open Money Grid that enables instant, seamless transactions, we’re excited to see a global fintech such as Revolut lead the way.”

Lightspark’s platform also supports Universal Money Address (UMA), a new payment protocol that functions like an email address. UMA-compatible wallets allow users to send and receive funds using simple, human-readable identifiers.

Revolut’s Lightning rollout will begin with users in the UK and select EEA markets, with broader expansion expected as infrastructure and compliance conditions evolve.

The move reflects growing momentum around the Lightning Network, as global financial players seek alternatives to slow and expensive legacy payment systems.

For Revolut, it’s another step in positioning itself as a crypto-forward platform offering faster, cheaper, and more flexible money movement.

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