When should you dump your target-date funds?
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Target-date funds aren’t necessarily built to handle many of the decisions retirees face.
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Visa, Mesh partner to enable crypto spending at 175M merchant locations
Visa and crypto payments network Mesh have partnered to allow consumers to spend cryptocurrency and stablecoin balances directly from digital wallets at merchants across Visa’s global payment network. The integration will allow users of participating wallets to pay in stores or online without transferring funds to a bank account or obtaining a separate crypto card, according to a Monday announcement from Mesh. Merchants will receive payments through Visa’s existing network without changing their checkout systems. Visa’s network covers more than 175 million merchant locations across over 200 countries and territories. Mesh said participating wallets, supported devices and launch dates will be announced as rollout plans are finalized. Mesh will handle transaction funding and conversion between cryptocurrencies, stablecoins and fiat currencies, with Visa payment credentials provisioned through participating wallet apps. The company will also manage customer onboarding and Know Your Customer (KYC) requirements. The partnership follows Mesh’s integration with Bybit Pay in September, allowing users to spend directly from their exchange balances on supported platforms.

Mastercard launches stablecoin risk screening for banks and payment providers
Mastercard is extending its payment risk controls to stablecoin transactions by introducing a tool that lets financial institutions flag suspicious activity before funds move onchain, where recovering stolen funds can be difficult. Unveiled Monday at the Money20/20 USA conference, Mastercard’s Stablecoin Security combines traditional payment data with blockchain analytics to identify fraud, scams, sanctions exposure and other financial crime risks. Borderless.xyz and Keyrails are the initial partners, with global commercial availability expected next year. Banks already use fraud detection to monitor conventional payments. Stablecoins add complexity because funds can move across multiple wallets and blockchains, making it harder to assess risk throughout a transaction. Mastercard said Stablecoin Security can generate a risk score before a payment is completed, allowing banks to identify transactions that may require further review. The launch marks another expansion of Mastercard’s stablecoin business following its $1.8 billion acquisition of BVNK in August.

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