Crypto Collateral Damage Mounts
In other words, those residual claims on crypto issuers that have been trading at pennies on the dollar may have no value whatsoever.
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The Institutional Risk Analyst
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Banks | Markets | Fintech
Christopher Whalen
R. Christopher Whalen
- Dec 16, 2022
- 6 min
The Year That Was: 2022
Many in the Buy Side chorus are looking forward to lower interest rates, but we are concerned that next year could really be about solvency
604 views
R. Christopher Whalen
- Nov 25, 2022
- 9 min
Crypto Crash Signal End of Fintech?
Despite all the hyperbole, the great crypto fraud was a small game, like the party poker that many crypto enthusiasts share in common
329 views
R. Christopher Whalen
- Oct 6, 2022
- 6 min
Nonbank Lenders: The Dead Pool
With the Fed doubling down on rate increases, the pressure on all manner of nonbank finance companies and fintech platforms is growing.
606 views
R. Christopher Whalen
- Sep 29, 2022
- 4 min
Update: Switch Inc.
SWCH is performing above the rate of total returns for the data center REITs, according to Nareit
157 views
R. Christopher Whalen
- Aug 25, 2022
- 6 min
Update: Blend Labs & loanDepot Inc.
If the merger of Black Knight and Intercontinental Exchange goes through, the expanded ICE monopoly will simply give POS tools away for free
318 views
R. Christopher Whalen
- Aug 21, 2022
- 7 min
Interest Rates, FinTechs & MSRs
Interest rates are starting to be very positive, and bank deposit rates are barely moving, so pretense of fintech as bank killer is over
509 views
R. Christopher Whalen
- Jul 11, 2022
- 5 min
Elon Musk, China & Twitter (TWTR)
Why did Elon Musk ever pretend that he was able to acquire TWTR, a transaction the US government would never allow.
1,343 views
R. Christopher Whalen
- Jun 6, 2022
- 6 min
Memo to Gary Gensler: Beware the “Non-Controlling Interest”
As a result of the adoption of "artificial intelligence," the 21st Century investor is mostly a victim in waiting.
1,106 views
R. Christopher Whalen
- Jun 2, 2022
- 7 min
Update: Upstart Holdings & Cross River Bank
If investors and partner banks don’t want to buy UPST loans at current market rates, then the game is over in an originate to sell model
531 views
R. Christopher Whalen
- May 18, 2022
- 6 min
Update: Crypto Frauds and Fintech Dreams
Q: What do Elon Musk and Masayoshi Son have in common? Gigantic margin loans...
500 views
R. Christopher Whalen
- May 11, 2022
- 8 min
Does ICE + Black Knight = Shareholder Value?
ICE buying the revenue streams represented by BKI is a big bet on yesterday, not a bold initiative to change the mortgage industry
439 views
R. Christopher Whalen
- May 2, 2022
- 5 min
Where is Value in Fintech?
Take the financials and add some unicorn dust in terms of innovation to the mix and perhaps a double-digit PE ratio for PYPL makes sense.
521 views
R. Christopher Whalen
- Apr 4, 2022
- 2 min
The Residential Mortgage Finance Top Twenty Seven
Who is going to acquire and restructure Blend Labs (BLND) before this newbie-fintech-something runs out of cash?
309 views
R. Christopher Whalen
- Feb 25, 2022
- 7 min
Update: HMPT, RKT, NRZ & UPST
UPST has seen its valuation cut by 60% since March of last year, when its common equity traded at a mere 31x book value.
299 views
R. Christopher Whalen
- Feb 16, 2022
- 6 min
Profile: Silvergate Capital Corp (SI)
SI’s management team is taking advantage of the narrative in Washington, which is that stable coins will be a bank only product
514 views
R. Christopher Whalen
- Feb 14, 2022
- 6 min
The Curse of Humphrey Hawkins
If you consider QE “stimulus” inflationary, then Fed policy actually accelerated inflation in the November-January period.
777 views
R. Christopher Whalen
- Jan 19, 2022
- 6 min
Profile: Cross River Bank
Bottom line, when a bank seems to be doing much better than other banks, there is usually a reason and that reason is almost always bad
322 views
R. Christopher Whalen
- Sep 9, 2021
- 6 min
The IRA Top Ten Financials
Which US financial will best weather the coming equity market correction?
379 views
R. Christopher Whalen
- Jul 15, 2021
- 5 min
Profile: Wise Ltd (LSE:WISE)
WISE is a play on the relentless advance of technology that lowers costs and eventually forces change in the legacy world of banking and pay
371 views
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