News - Bankinfobook

Brazil Built a Free Payment Network That's Now a US Trade Dispute

Brazil Built a Free Payment Network That’s Now a US Trade Dispute. Here’s How Pix Actually Works.

175 million users. Zero consumer fees. Instant settlement, 24/7. It also fuels a R$29 billion annual fraud economy, is reshaping who makes money in Brazilian banking, and just got cited by name in a 25% US tariff. Here’s the full picture mechanics, adoption, fraud, bank revenue, and the trade fight. What Pix Actually Is Pix […]

Is Europe Quietly Rebuilding Its Economy Around War

Is Europe Quietly Rebuilding Its Economy Around War? EU Defense Spending Hits €418B

Is Europe Quietly Rebuilding Its Economy Around War? EU defense spending hit €418 billion in 2025, a 20% jump in a single year. Track the money since 2018, and a fast-growing, tax-funded sector is starting to outpace the civilian economy it sits inside. Here’s what the numbers actually show. The Headline Number The European Defence […]

Are JPMorgan and Citi Building the Only Rails Regional Banks Will Be Allowed to Use

Are JPMorgan and Citi Building the Only Rails Regional Banks Will Be Allowed to Use?

ANALYSIS – This piece lays out an analyst thesis on where wholesale digital-ledger projects could be pushing the banking system, not a confirmed plan. The underlying facts about Project Agorá, mBridge, and current interbank rates are sourced and current as of publication; the “endgame” argument is Bankinfobook’s own reading of the plumbing, not an official […]

SWIFT's November 2026 Deadline: Why 11,000 Institutions Are Racing to Fix Bad Data

SWIFT’s November 2026 Deadline: Why 11,000 Institutions Are Racing to Fix Bad Data

A quiet formatting rule is set to do what decades of regulation couldn’t: force 11,000 institutions to clean up 30 years of bad data or watch their payments bounce. On November 14, 2026, the world’s dominant payment messaging network stops being forgiving. SWIFT the system that routes cross-border instructions for more than 11,000 institutions in […]

SpaceX IPO Timing: Did Musk Front-Run a Coming Downturn?

SpaceX IPO Timing: Did Musk Front-Run a Coming Downturn?

Elon Musk didn’t just pull off the largest IPO in history on June 12. He pulled it off at what may prove to be the single best moment in a decade to sell equity, and the closer you look at the numbers, the harder that is to write off as coincidence. The raise SpaceX priced […]

The Friction Economy: How Retail Banks Quietly Monetize Your Mistakes, And Why Washington Just Made It Easier

The Friction Economy: How Retail Banks Quietly Monetize Your Mistakes, And Why Washington Just Made It Easier

A BankInfoBook investigation into the mechanics of overdraft, fee, and credit design and what changed in 2025 that consumers haven’t caught up with yet. For four decades, the retail banking industry has run on a quiet asymmetry: banks know exactly when your money moves, and you don’t. That gap „not bad budgeting” is the real […]

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✓ Verified: This entry was personally compiled and reviewed by Milan Ignjatovic using primary sources.

Founder & Sole Curator, Bankinfobook | Master Manager of ICT · Graduated Economist

Last Data Review: April 17, 2026