Fintech-driven economies are reshaping how financial information is captured, verified, analyzed, and communicated. Accounting graduates are increasingly expected to operate alongside digital payment rails, cloud ERPs, API-based banking integrations, automated compliance, algorithmic credit models, and continuous auditing tools. However, many accounting programs still emphasize legacy bookkeeping cycles and static reporting, resulting in misalignment between graduate capabilities and workplace demands. This paper develops a competency-based framework for preparing accounting graduates for fintech-driven economies and proposes a curriculum redesign anchored in data literacy, digital assurance, regulatory technology (RegTech), cybersecurity, and human-centered professional judgment. Drawing on prior literature in accounting education, digital transformation, and competency-based curriculum design, the study synthesizes a structured “Fintech-Ready Accountant” model, maps learning outcomes to course elements, and outlines experiential learning pathways through labs, simulations, industry micro-credentials, and integrated projects. The paper contributes a practical blueprint for universities, professional bodies, and employers by defining role-specific competencies, assessment strategies, and implementation stages. The proposed approach balances technical fluency (e.g., APIs, analytics, automation) with ethical reasoning, governance, and critical thinking required for responsible practice in technology-mediated financial ecosystems.