Two fintech infrastructure companies raised a combined $245 million in the two weeks before July 16, both selling the same pitch: banks, insurers and brokerages want AI agents making decisions, not just assisting with them. The timing is notable because the federal rule that determines how those agents get access to customer financial data is, at the same moment, back in the drafting stage.
Taktile raises $110 million to run bank and insurer decisions
New York based Taktile closed a $110 million Series C on June 24, led by Growth Equity at Goldman Sachs Alternatives, with participation from Balderton Capital, Index Ventures, Tiger Global, Y Combinator and Dig Ventures (Taktile, 2026). The company sells what it calls an agentic decision platform: software that lets banks and insurers combine AI agents, deterministic rules, and human review to automate decisions in credit underwriting, fraud investigation, claims handling and anti-money-laundering checks.
The pitch to investors is operational, not experimental. Taktile's platform lets a bank's risk team change live policy logic without waiting on an engineering release cycle, according to the company (Taktile, 2026). That distinction, business users editing decision rules directly rather than filing a ticket, is what Goldman Sachs Alternatives is underwriting at this valuation. The round follows a $54 million Series B, meaning Taktile has raised roughly $164 million total (Taktile, 2026).
Alpaca raises $135 million for tokenized brokerage infrastructure
On July 16, brokerage infrastructure provider Alpaca announced a $135 million equity round led by Peak XV, with Elefund, Opera Tech Ventures (BNP Paribas Group's venture arm) and Unbound also participating (Alpaca, 2026). Combined with debt financing led by Payward, the parent company of Kraken, and BMO, Alpaca said the new financing totals $435 million (Alpaca, 2026; BusinessWire, 2026).
Alpaca's business is infrastructure other financial companies build on top of: an API-first brokerage and prime brokerage layer that lets institutions offer both traditional and tokenized securities. The company said it clears or custodies roughly 94% of tokenized U.S. equities currently in circulation, including products connected to Binance, Ondo and Dinari, with more than $1.5 billion in underlying stock backing those tokenized instruments (Alpaca, 2026). The round follows a $150 million Series D in January that valued the company at $1.15 billion (CoinDesk, 2026).
Both companies describe themselves the same way: infrastructure for other institutions to run agent-driven products, not a consumer-facing product themselves. That is the shape of where fintech venture capital is concentrating in mid-2026, behind the decision layer and the execution layer rather than in front of the customer.
The CFPB's own agenda shows the data rules are not settled
The capital is moving faster than the regulatory framework governing the data these systems will draw on. On July 6, the Consumer Financial Protection Bureau released its semiannual regulatory agenda, which a law firm that tracks CFPB rulemaking closely described as "a surprisingly active rulemaking program" for a Bureau that has otherwise signaled a deregulatory posture (Consumer Finance Monitor, 2026).
The agenda confirms that the Bureau is still working through its reconsideration of the Section 1033 open banking rule, the regulation that governs how third parties access a consumer's financial account data with consent. Following an advance notice of proposed rulemaking issued in August 2025, the Bureau's agenda lists a proposed rule reconsidering the original November 2024 final rule, with a notice of proposed rulemaking anticipated in July 2026 (Consumer Finance Monitor, 2026). The advance notice had already flagged open questions the industry cares about directly, including whether banks can charge third parties for data access and who qualifies as a consumer's authorized representative.
That matters to Taktile and Alpaca's category of company specifically, since agentic decision and brokerage infrastructure depends on reliable, low-friction access to account data across institutions. A decisioning agent evaluating a loan application, or a brokerage routing an order, needs the same data-access rights the Section 1033 rule is meant to define. Until the Bureau finalizes its position, the companies building that infrastructure are scaling on the assumption that some version of open banking access will hold, without knowing its final shape.
What to watch next
The Bureau's own agenda points to a specific near-term marker: a Section 1033 notice of proposed rulemaking anticipated in July 2026. If it is published, it will show whether the Bureau intends to preserve, narrow, or substantially rewrite third-party data-access rights, and whether it will permit banks to charge fees for that access. That single rulemaking will do more to shape the economics of agentic fintech infrastructure than any funding round.
Sources
- Taktile, "Taktile's next chapter: We raised $110M to power the agentic financial institutions of the future" - https://taktile.com/articles/taktile-s-next-chapter-we-raised-110m-to-power-the-agentic-financial-institutions-of-the-future
- Goldman Sachs Asset Management, "Taktile Secures $110M in Growth Equity Series C" - https://am.gs.com/en-us/advisors/news/press-release/2026/taktile-110m-growth-equity-series-c-goldman-sachs-ai
- Alpaca, "Alpaca Raises $135 Million to Scale Agent-First Brokerage Infrastructure for Tokenized Markets and AI-Native Financial Services" - https://alpaca.markets/blog/alpaca-raises-135-million-to-scale-agent-first-brokerage-infrastructure-for-tokenized-markets-and-ai-native-financial-services/
- CoinDesk, "Crypto brokerage firm Alpaca raises $135 million for tokenized stock infrastructure" - https://www.coindesk.com/business/2026/07/16/crypto-brokerage-firm-alpaca-raises-usd135-million-for-tokenized-stock-infrastructure
- Consumer Finance Monitor (Ballard Spahr), "CFPB Releases Semiannual Regulatory Agenda: A Surprisingly Active Rulemaking Program" - https://www.consumerfinancemonitor.com/2026/07/14/cfpb-releases-semiannual-regulatory-agenda-a-surprisingly-active-rulemaking-program/
- Consumer Financial Protection Bureau, "Regulatory Agenda" - https://www.consumerfinance.gov/rules-policy/regulatory-agenda/