Short takes: SEC goes after Ripple, Robinhood settles for $65MM; $430MM neobank Xinja shuts down accounts; Bain bets on GoCardless' $13B in annual volume; IBM buys Expertus' $50B of daily pmts volume

Hi Fintech Architects --

Welcome back to the subscribers-only letter! You are the best.

Here are the top updates hitting our radar:

1. Robinhood pays $65 million to settle SEC probe over misleading communications with customers (link here)

2. Public.com raised $65M to change the culture of the stock market (link here)

3. Australian Neobank Xinja to Close Down Custome…