Fintech Stacks

Today on Fintech Stacks: Intuit brings Affirm’s pay-over-time into QuickBooks and asks whether BNPL belongs in accounting software. Varo raises another $123.9 million as growth slows, raising uncomfortable questions about late-stage fintech belief and capital discipline. And a high-profile fintech founder faces fraud charges, reminding the industry that trust is the most fragile asset in financial...

SoFi hits a billion-dollar quarter. AmEx misses expectations. WisdomTree keeps stacking assets. But the real story isn’t the earnings — it’s what these results reveal about fintech business models, expectations, and leverage. From SoFi’s pivot to fee-based revenue, to AmEx’s premium-cost problem, to WisdomTree’s quiet compounding strategy, this episode breaks down what Wall Street isn’t saying.

Today we unpack the biggest fintech moves — a Latin American digital bank finally earns a U.S. charter, Robinhood’s thrust into “Trump Accounts,” and why Mastercard’s earnings signal consumer resilience.

Fintech Stacks Daily: Wall Street Tokenizes Dollars & Bets on the Future — Today we break down Fidelity’s entry into stablecoins, Coinbase’s bold rollout of U.S. prediction markets, and what LendingClub’s guidance tells us about credit risk in a steady-rate world.

Affirm isn’t just showing up at merchants anymore — it’s embedding itself into the checkout layer, getting the bank stamp from Fiserv, and proving the capital markets still love fintech credit. We break down how distribution, institutional trust, and funding intersect to shape the future of BNPL and POS lending.

Today on Fintech Stacks , we’re breaking down three signals you can’t ignore. ZeroHash turns down a reported Mastercard takeover and bets on building crypto’s infrastructure layer independently. Revolut scraps the easy route into the U.S. and chooses the long, regulatory grind instead. And then there’s silver — ripping to a historic move that forces us to zoom out and ask what’s really happening a...

Today on Fintech Stacks , we break down Trump’s lawsuit against JPMorgan and why debanking just became a real legal risk, Affirm’s quiet move to secure a Nevada bank charter, and why Bitcoin trading sideways may be the most important signal in crypto right now. Power, regulation, and patience — all in one stack.

Capital One (COF) buys Brex — not as a fintech experiment, but as a deliberate move to own how companies spend money. We break down why buy > build was the rational choice, what Brex actually adds beyond cards, and what this says about modern banking strategy. Plus: BitGo (BTGO) quietly tests whether crypto IPOs are investable again, and PayPal (PYPL) positions itself for a future where bots —...

Fintech’s next era isn’t disruption — it’s recomposition. DXC wraps crypto in enterprise IT, Dave quietly hardens its governance stack, and Global Payments helps banks modernize without pretending to be startups. The loudest companies aren’t winning anymore — the most durable ones are.

BNPL grows up, global fintech keeps consolidating, and Block quietly flexes $200B in credit. In today’s episode, we break down how Affirm is upgrading its credit underwriting with real-time financial data — and why offering BNPL for rent signals a shift from impulse spending to everyday financial infrastructure. We also dig into Payoneer’s acquisition of an employer-of-record platform and what it...

Governments, stock exchanges, and neobanks are all moving on-chain — at the same time. In today’s episode of Fintech Stacks , we unpack Bermuda’s move to integrate stablecoins into its financial system, the NYSE’s parent company exploring tokenized stock trading, and Revolut’s expansion into Peru as fintech competition heats up across Latin America. If you want to understand where crypto, fintech,...

Fifth Third (FITB) and Comerica (CMA) clear major approvals with a Feb. 1 close target, PNC (PNC) beats and leans into automation, and Regions (RF) shows how brutal the mid-tier squeeze can be when tech expectations keep rising. Not investment advice—just the stack.

FIS just closed a $13.5B deal and launched agentic commerce, signaling how AI could start spending money for consumers. U.S. Bancorp made a surprise Wall Street move by acquiring BTIG, blurring the line between regional banking and investment banking. And Goldman Sachs dropped earnings that reminded markets who still controls capital, deal flow, and fintech momentum. In today’s episode of Fintech...

Big banks are wobbling, fintech perks are getting more expensive, and sponsor banks are quietly taking control. In today’s episode of Fintech Stacks , we break down why Wells Fargo and other giants are sliding, how Bilt’s flashy 10% APR card plays the teaser-rate game, and why Coastal Community Bank just stepped in to repossess a fallen green fintech. If you want fintech news that’s actually timel...

Big banks are spending like tech companies, newly public fintechs are getting their first real stress test, and the quiet infrastructure players are stepping into the spotlight. In today’s episode, we break down why JPMorgan is asking investors to trust rising costs as it pours money into AI and platforms, what eToro’s post-IPO slide and layoffs say about the state of retail trading, and why The B...

Today on Fintech Stacks , crypto officially rings the bell. BitGo becomes the first fintech IPO of 2026 , signaling that crypto infrastructure—not hype—is what public markets want next. Then we zoom out to Big Tech, where Google rolls out AI tools that don’t just recommend products but actively shape how commerce happens online. Finally, Washington steps into the credit card debate with a proposed...

Wall Street is quietly rebuilding money. In today’s episode of Fintech Stacks , we break down why JPMorgan is going multichain with the Canton Network, how BNY Mellon’s tokenized deposits differ from stablecoins, and why crypto card issuer Rain just raised $250 million to power real-world stablecoin spending. This isn’t crypto hype — it’s banks, infrastructure, and fintech colliding in real time....

Is PayPal finally shaking off its “PainPal” reputation by embedding checkout directly into Microsoft’s AI? Klarna is already public, but a looming class-action deadline has investors revisiting its BNPL boom-era promises. Meanwhile, Wyoming teams up with Franklin Templeton to launch the first-ever state-issued stable token—raising big questions about who really controls digital money. In today’s e...

Today on Fintech Stacks , the money world moves fast. JPMorgan muscles into the Apple Card after Goldman taps out, Barclays places a serious bet on stablecoins like it’s reinventing itself for the internet age, and European neobank bunq knocks on America’s door with 20 million users and a multilingual edge.

The three biggest fintech stories from the past 24 hours . In today’s episode of Fintech Stacks , we break down why Brazilian super-app PicPay is officially heading toward a US IPO, what Ripple’s latest acquisition means for enterprise crypto adoption and XRP investors, and why top Wall Street analysts are suddenly bullish on Wealthfront’s automation-first, profitable model. If you care about wher...

Fintech is back — but not the hype version. In today’s episode of Fintech Stacks , we break down why Walmart bringing crypto to checkout might be the most important real-world crypto moment in years, how Experian is quietly upgrading the credit system with smarter data, and why DailyPay’s latest funding shows the future of payday isn’t louder fintech — it’s better timing. If you care about how mon...

A new year, a new stack—and some very specific fintech chaos. In the first episode of 2026, we make three bold predictions that sound fake until you remember how weird money has already gotten. Block makes a power move by acquiring Plaid and controlling fintech’s front door. Stripe skips the IPO yet again, proving patience might be the ultimate flex. And Robinhood? It stops being just an app and o...

In the final Fintech Stacks episode of the year, we break down how Fiserv quietly turned AI shopping into real payment infrastructure, why Coinbase is building financial pipes instead of chasing trading volume, and how Paychex keeps winning by doing absolutely nothing flashy. It’s a year-end look at fintech plumbing, platform strategy, and the underrated power of being boring. We’ll be back Januar...

Mercury wants a national bank charter — choosing regulation and control over speed and vibes. Klarna is quietly tapping stablecoins to unlock faster, cheaper institutional capital without going full crypto bro. And Plaid might finally be ready to test public markets as fintech IPOs start to thaw. In today’s episode of Fintech Stacks , we break down why fintechs are chasing charters, why stablecoin...

Banks are minting stablecoins, crypto exchanges want to be everything apps, and accounting software is quietly rewriting how money moves. In today’s Fintech Stacks, we break down why SoFi launching a regulated stablecoin matters more than most crypto headlines, how Coinbase is positioning itself as the financial OS of the internet, and why Intuit integrating USDC could be the most important stable...