Revolut abandons US acquisition, shifts focus to direct application for regulatory licenses — market signals behind the move

2026-01-23 05:40:10

Abstract generation in progress

【Blockchain Rhythm】An interesting new development. Revolut, this UK fintech giant, has recently adjusted its expansion strategy in the US—abandoning its previous acquisition plans and instead directly applying for a license from the US Office of the Comptroller of the Currency(OCC). The logic behind this is quite clear: in the current policy environment, regulatory approval processes may be accelerated.

From a competitive perspective, this move is worth paying attention to. More and more international fintech companies are reassessing their entry strategies into the US market, as anticipated changes in regulatory policies are influencing their decisions. Especially for leading companies like Revolut, directly applying for a license means officially entering the US compliance framework—this requires capital investment and confidence in market prospects.

For those interested in fintech and the cryptocurrency ecosystem, such developments indirectly reflect subtle changes in the global regulatory environment.

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PretendingToReadDocs

· 8h ago

The signals of regulatory easing are so obvious that even the big companies can't sit still.

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BearMarketBro

· 8h ago

Regulatory approval acceleration? It depends on whether it can truly be implemented later; there are too many paper-based articles.

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MevWhisperer

· 8h ago

Applying directly for a license? It seems that some people are indeed betting on policy favorable conditions. Looking at this strategy from a different angle, it's actually betting that regulation will stay lenient rather than become stricter. Revolut's move is quite interesting, abandoning acquisitions to pursue a compliant route. But honestly, with more signals like this, won't it attract a bunch of copycats? Applying directly for a license costs a lot of money; most companies wouldn't dare to play like this. Wait, does this mean the policy environment over in the U.S. is about to change?

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GasFeeCrying

· 8h ago

Signals of accelerated regulation? This wave probably indicates that policies are really about to loosen up. Applying directly for licenses shows they are betting that approval in the US will be smoother. If Revolut is doing this, how could other fintech giants be far behind? Turning around and aiming to enter the US regulatory framework, that shows strong confidence. Being willing to give up mergers and acquisitions to apply directly is essentially betting on policy dividends. Interesting, it seems that FinTechs are all waiting for this window of opportunity.

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MintMaster

· 8h ago

Haha, Revolut's move is quite interesting. It seems they're betting that Trump's policies will loosen up. Getting a direct licensing is much more stable than mergers and acquisitions. That's the smart way to play. When regulatory expectations change, these big companies follow suit. The ecosystem is indeed being reshaped. Basically, it's waiting for the right moment—whoever gets the US license first wins half the game. Despite the high compliance costs, they still dare to push forward. Revolut is really optimistic about the US market. Actually, this signal is very clear—Washington's attitude has changed, and fintech dares to play like this.

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GasWaster

· 8h ago

Signals of accelerated regulation... Revolut's move is quite interesting, indicating that the big players are really betting on a new round of policy dividends.

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VCsSuckMyLiquidity

· 9h ago

Revolut's move is quite interesting; it seems they're betting on policy direction... going directly to OCC instead of mergers and acquisitions, which indicates they actually have a good sense of what's going on.

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