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Linas's Newsletter

OpenAI’s App Store just launched, and it could be the Apple App Store moment for AI 🤖🛍️; SoFi becomes first US bank to issue public blockchain stablecoin 😳🪙; Europe's latest decacorn 🇪🇺🦄

FinTech is Eating the World, 19 December

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Linas Beliūnas
Dec 19, 2025
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Hey Everyone,

Good morning & happy Friday! Today’s issue is the best one yet as we’re diving deep into OpenAI’s App Store, which could be the Apple App Store moment for AI (what it’s all about & why it could be huge + bonus deep dives into ACP & OpenAI’s quest to become the Super App of the West inside), SoFi that just became the first US bank to issue public blockchain stablecoin (what’s the USP here and what value will it unlock + bonus deep dive into SoFi’s latest financials & the ultimate list of stables resources inside), and Europe’s latest decacorn (Trade Republic’s latest secondary share sale, why it matters & what’s next + bonus list of 50+ pitch decks of top FinTech startups that raised $2B+ inside). Let’s jump straight into the incredible & paradigm-defining stuff 🌶️

OpenAI’s App Store just launched, and it could be the Apple App Store moment for AI 🤖🛍️

The BIG News 🗞️ $500 billion AI giant OpenAI finally launched its long-anticipated ChatGPT App Directory. While seemingly simple, this represents more than a product update - it could mark a fundamental shift in how consumers interact with digital services.

At the core, by opening its Apps SDK to developers, OpenAI has transformed ChatGPT from a conversational assistant into an extensible platform capable of executing real-world actions, from booking travel to managing investments, and more.

Let’s dive deeper into this, understand why it matters & why it could be huge, and what to expect next.

P.S. 🔒 This is the last daily issue before the holiday break. We’re back next year, and the price goes up. If this has been useful, now’s a good moment to lock in the current rate ⏳

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