Banking Outage Watch: Santander’s online banking app and ATMs went down for thousands of UK customers, with the website later returning while users reported login and payment issues; the bank said it’s “very sorry” and working to restore services. Digital Banking & Security: The IRS replaced IRS2go with a new official IRS mobile app, adding secure sign-in and self-service features like refunds, balances, payments, notices, transcripts, and identity protection PIN access. AI Governance in Finance: A new warning on agentic AI: enterprises are giving AI systems permission to act, but monitoring gaps are leaving some agents unobserved—raising the risk of unauthorized actions and making “stop it” controls a must. Crypto Meets Traditional Markets: Aave launched an equities collateral hub on Base, letting users pledge tokenized US tech stocks to borrow USDC, while crypto exchanges push single-stock perpetuals further into US regulation. Policy & Payments Pressure (India): Banks advised customers to complete essential transactions ahead of a three-day strike, while traders denied a “No UPI Day” call tied to MDR changes. Macro Backdrop: Eurozone corporate lending growth slowed as borrowing costs bite, and markets weighed higher-for-longer central bank stances amid oil and yield volatility.