WHAT’S INSIDE THIS SPECIAL EDITION

• FinTech credit cards. ✈️

IN PARTNERSHIP WITH HEARTSCIENCES

📈 Why This AI Stock Was Rated a “Strong Buy” on Yahoo Finance

Since heart disease is the world’s #1 leading cause of death, it’s no surprise when an AI company working to help solve it gets a “Strong Buy” rating from analysts—and a 270% 1-year growth target.

For decades, millions with heart disease have gone undiagnosed because effective heart diagnostics are expensive and require cardiologists. But HeartSciences (Nasdaq: HSCS) is working to bridge that gap. Their AI-ECG, developed with Mount Sinai, brings specialist-grade insights to routine frontline exams so issues will be caught faster and more affordably by frontline doctors. 

And they’re hitting major milestones as we speak:

• First commercial customer for their software

• FDA Breakthrough Device Designation

• FDA submission for their device expected for summer 2025

While HeartSciences is already public, they’re giving investors an opportunity not available on the public exchange: $3.50 units that include 1 share of convertible preferred stock + 1 warrant. 

Learn more and invest in HeartSciences today.

**Disclaimer: This is a paid advertisement for HeartSciences Regulation A+ offering. Please read the offering circular at https://invest.heartsciences.com/

Spend-Tech Arms Race Reimagines Corporate Plastic

AI may be hogging headlines, but the quiet revolution in corporate credit cards is just as dramatic. Over the past three years a handful of startups have turned the humble company card into a full-stack finance OS, complete with treasury yield, AI-driven controls, and even stablecoin rails. Ramp, Brex, Rho, and YC-born newcomer Rove now sit at the center of a battle to own every non-payroll dollar a business spends.

Ramp: Time-and-Money Machine Hits $13B

New York-based Ramp kicked off 2025 by announcing a fresh $13 billion valuation after annualized revenue leapt to roughly $700 million on $55 billion of payment volume.(ft.com) What began as a 1.5 %-cash-back charge card has morphed into a sprawling platform that closes books eight days faster for customers by automating bills, vendor negotiations, and travel bookings.

The newest moon-shot: a stablecoin-backed Visa card built with Stripe that settles transactions instantly in 100+ countries—no five-day clearing lag, no 3 % FX sting.(prnewswire.com, pymnts.com) Co-founder Eric Glyman likens it to “turning the corporate card into an API for global money movement,” positioning Ramp as the go-to wallet for distributed teams.

Brex: Full-Stack Giant Cuts Out Middlemen

Two years after controversially off-boarding tiny startups, Brex has doubled-down on the mid-market and enterprise with Empower, a single workspace for cards, reimbursements, bill pay, and global travel. The master stroke is infrastructure ownership: customer deposits route directly into BNY Mellon’s Dreyfus money-market fund, letting Brex promise same-hour liquidity and higher yield because “no broker skims a basis point.”(brex.com, brex.com, linkedin.com)

Brex now boasts tens of thousands of customers running real-time budgets and ML anomaly detection that flags out-of-policy spend before it happens. By melding banking, card rails, and treasury in-house, Brex aims to be the SAP of modern finance—without the 1990s UI.

Rho: One Login, Choose Cash-Back or Float

Rho targets the “forgotten middle” between seed startups and Fortune 500s. Its Mastercard lets CFOs trade up to 1.75 % cash back for as much as 60 days of float—and switch the mix as seasons change.(rho.co) Under the hood, checking accounts, treasury sweeps, and AP automation sit in the same dashboard, so teams never bounce between bank portals and expense apps.

Rather than build every module, Rho partners: a splashy 2024 deal with Navan bolted best-in-class travel booking onto Rho cards, giving users a unified view of trips and spend without a year of in-house dev work.(rho.co) The concierge-style support helps Rho win brands that feel neglected by mega-banks.

Rove: Universal Miles for Gen Z—and a Glimpse of Tomorrow

YC-backed Rove asks why 21-year-olds need a $695 annual-fee card to earn flights. Its answer: a no-fee “universal mile” program that taps bank-account data for underwriting, then pays up to 25× miles on hotels and 7 000+ online stores, stacking atop any existing card rewards.(rovemiles.com, ycombinator.com)

Eleven airline partners already let users redeem across 140+ carriers; a single $1 000 hotel stay can fund a trans-Atlantic ticket. Rove’s model—monetizing merchant commissions instead of interchange—signals how creatively rewards economics can be rewritten, and hints at future corporate-card perks beyond plain cash back.

Where the Race Heads Next

• Platform Convergence: Card, bank account, AP, and travel are collapsing into one pane of glass; expect deeper AI that drafts budgets and kills manual receipts.

• Yield Warfare: With rates high, treasury products (Ramp’s savings, Brex’s BNY link) will be a loyalty magnet.

• Borderless Spend: Stablecoins and multi-currency issuance promise real-time global purchases as standard.

• Rewards Reinvention: From Rho’s configurable float to Rove’s miles-on-everything, giving value back is now table stakes.

Pretty cool stuff. We’re most excited by Brex building their own financial rails to boost customer APR, and Rove rethinking reward-based credit cards entirely. 🔥