Welcome to The Fintech Files, your weekly roundup from FN's fintech correspondent Yolanda Bobeldijk keeping you up-to-date with the latest developments in financial tech and innovation.

From baby to blockchain I have now returned from maternity leave and am looking forward to chatting all things fintech and regtech again. So drop me a note at yolanda.bobeldijk@wsj.com or come and find me on Twitter or LinkedIn.