Lithic

Will stablecoins replace cards — or is that narrative missing how payments actually work? In this episode, host Reggie Young sits down with Simon Taylor, founder of Fintech Brainfood and Head of Market Development at Tempo, to unpack one of the most debated topics in fintech: agentic commerce. Simon challenges the idea that stablecoins will displace card networks, explaining why cards don’t move money, how stablecoins actually fit into the stack, and why virtual cards may be the first real payment primitive for AI agents. Listen to the full episode: https://hubs.ly/Q049jlBh0 #Fintech #Payments #CardIssuing #Lithic #Stablecoins

Compliance case volume grows faster than most scaling fintechs can hire for. The usual answer is offshore BPO teams, but that adds cost and latency without adding context. Our compliance team built an AI screening agent that works downstream of Persona's identity verification and adverse media checks. It handles first-pass review. A human makes the final call. 90% of cases now resolve automatically. Analyst capacity is up 3x. Read the full breakdown on how we built better tools for compliance experts on our blog. 👉 https://hubs.li/Q049g6hQ0

Today we're announcing the launch of Lithic's native consumer revolving credit ledger. Lithic has supported consumer revolving credit programs for years. This launch brings that ledger capability in-house; the same infrastructure depth that powers our commercial revolving programs is now native to the platform for consumer programs as well. We built the Lithic ledger to directly incorporate Reg Z compliance requirements, so our clients can focus on providing their cardholders the best credit experiences rather than translating consumer protection law into software logic. Commercial and consumer revolving credit, on a single platform. Check it out: https://hubs.li/Q0493wg50

Agentic commerce is in its infancy, but it’s happening today. Just ask Robin Gandhi, the CPO of leading card issuer Lithic. He went from thinking about how to overcome roadblocks in the checkout process to seeing agent-placed orders get approved. Now, his team is building payment infrastructure that will help agentic commerce flourish: programmable controls, new data signals, step-up flows, API-first operations, trust frameworks, and systems for verifying the underlying owner of funds (that’s where Persona comes in). Check out his post on Persona’s blog to learn more: https://lnkd.in/gW_vBb5w

Three days until Fintech Meetup. Looking forward to seeing everyone in Las Vegas! Schedule time to meet with the team through the app, or using this registration form: https://hubs.li/Q047DrdH0 William Wissing, Tony McGee, Chris Black, Such Patil, Patrick M. Tiedeken, Spencer Joseph, Brady Burkett, Robin Gandhi, and Sara Stuchiner will be on the ground all week. #FintechMeetup #Fintech #Lithic #CardIssuing

Two major Authorization Intelligence capabilities are now available in the Lithic Dashboard. 🚀 Backtesting lets risk teams simulate any proposed rule against months of historical transaction data before it touches a single live authorization so rule changes are validated, not guessed at. Custom Code Rules is something new entirely: write decisioning logic in TypeScript, hosted on Lithic’s infrastructure, and express conditions that no dropdown or template could ever accommodate. Geo-velocity anomalies, account lifecycle risk, cross-stream signals from 3DS and wallet tokenization informing card auth decisions; if you can define the logic, you can run it. Both features are among the first available within Fraud Command, our upcoming premium tier of fraud controls and tooling. More on that soon. 👀 Read what they unlock, article link in comments! #AuthorizationIntelligence #FraudPrevention #CardIssuing #FraudCommand #Lithic

Karta is redefining what a US credit card can look like for global citizens, and we're proud to be the infrastructure powering it. A premium credit card built for how global citizens actually live. Karta offers credit limits up to $200K, instant approvals, and immediate access through Apple Pay and Google Pay. One of the things that makes Karta's program stand out is how they handle fraud protection. Standard SMS-based 3DS challenge flows don't work well for an international customer base. So they built something better. Using Lithic's 3DS Decisioning and Challenges, Karta takes over the orchestration layer and delivers one-time passcodes to cardholders over WhatsApp, the channel their customers already rely on. That's the point of flexible infrastructure: it goes wherever your customers are, so you can build a product that actually fits the people you're serving. Want to build a card program with strong fraud protection that feels native to the product, not bolted on? Full article available in the comments! #Fintech #CardIssuing #FraudCommand #3DS #Karta #Lithic

Big things happen when the right people are in the room.   Lithic is joining the American Fintech Council, the largest trade association representing fintech and innovative banks, because we believe getting the policy and standards environment right matters as much as the technology. We're proud to be part of a network focused on transparency, consumer protection, and responsible innovation in payments. Looking forward to the work ahead! Announcement link in the comments. #Fintech #Payments #CardIssuing #ResponsibleInnovation

The biggest shifts in payments and fintech infrastructure aren't happening in isolation, they're converging. Robin Gandhi, Lithic's Chief Product Officer, joined Market Reads to dig into stablecoins, embedded finance, AI, and what the latest deals signal for where this industry is heading. Listen to the full episode: https://lnkd.in/grVSdbAj #Fintech #Stablecoins #EmbeddedFinance #AI

We're headed to Fintech Meetup in Las Vegas, March 30 to April 1. You'll find us on the conference floor, with additional activities planned to connect beyond the sessions. Grab time with the team here: https://hubs.li/Q047DrdH0 Attending: William Wissing, Tony McGee, Chris Black, Such Patil, Patrick M. Tiedeken, Spencer Joseph, Brady Burkett, Robin Gandhi, and Sara Stuchiner. See you there! #FintechMeetup #Fintech #CardIssuing #Lithic