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70 episodes
Fintech Stacks
by Fintech Stacks · English
Serving fintech news like pancakes — stacked fresh every morning. 🥞
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🧨 Nu Passes 142 Million Customers. Figure Hits a 58% EBITDA Margin. Paysafe Cuts Its Full Year Revenue Guide.
Q3 earnings deep dive on three fintechs—Nu (Nubank), Figure Technology Solutions, and Paysafe—framing “what did growth actually cost?” using a Thursday Night Football analogy (one team scores fast,…
13 Nov 2026 · 12m · 5 chapters📈 Wise Launches Stocks and Interest. Western Union Blames California. Citi Backs a Stablecoin the Banks Actually Own.
How financial firms compete for “idle cash” by monetizing deposits via yield, while regulation and settlement frictions shape who wins.
12 Nov 2026 · 21m · 13 chapters📉 eToro Profit Falls 74% & Accounts Climb. Coinbase Is Now Federally Chartered. Morgan Stanley Buys Vinyl Equity.
Three financial firms use “vertical integration” to control the infrastructure of money flows: eToro adapts to crypto decline and builds AI trading pipes; Coinbase gains a limited federal trust…
11 Nov 2026 · 19m · 8 chapters🪙 Schwab Lets You Buy Solana. Zeta Grows Revenue 46%. H&R Block Repurchases 2.2M Shares.
How companies create tangible value amid market noise, using three Monday reports: Charles Schwab adding altcoins, Zeta Global’s AI-driven marketing growth, and H&R Block’s shareholder shrinkage via…
10 Nov 2026 · 20m · 9 chapters🎯 Affirm Flinches on Credit. BILL Spends 300 Million on Itself. Shift4 Buys Paramount While Guidance Falls.
Earnings “headline vs footnotes” deep dive across Affirm, Shift4, and Bill Holdings, arguing that consumer credit stress and discretionary pullbacks are hidden behind upbeat revenue/earnings numbers.
9 Nov 2026 · 22m · 16 chapters💸 Ibotta Rewards 23.6 Million Shoppers. Grab Turns a Profit. Palantir’s Clients Outspend Washington.
How tech companies are “ending the walled garden” by embedding as invisible infrastructure inside other platforms, proving unit economics amid AI-spending market jitters.
3 Nov 2026 · 23m · 13 chapters🚨 Binance Loses $6.3B in 20 Mins. Kalshi Raises $1B While Utah Files Felonies. Coinbase Cashes In on Its Own Bag.
Crypto/fintech “headline misdirection” after Halloween weekend incidents: Binance’s $6.36B heist, Coinbase’s earnings mirage, and Kalshi’s $1B funding amid Utah felony charges.
2 Nov 2026 · 19m · 9 chapters🔐 Happen Plans for the Fed to Keep Hiking. Gen Guides Higher Again. Q2 Lands Seven Big Contracts.
The episode examines how three fintech/financial-tech companies are navigating Fed uncertainty and higher-for-longer interest rates, using their latest quarterly filings.
30 Oct 2026 · 20m · 10 chapters📈 SoFi Beats and Raises. Robinhood Prints a Record and Shrinks Its EPS. PayPal Grows 2 Percent and Hikes Guidance.
How fintech earnings headlines can reflect “financial engineering” rather than true underlying growth, using SoFi, Robinhood, and PayPal as examples amid Fed/geopolitical uncertainty.
28 Oct 2026 · 22m · 11 chapters🗳️ Nu Sinks on a Brazilian Ballot Shock. Anthropic Files for a Blockbuster IPO. Revolut Opens the Velvet Rope to Private Markets.
A “wild Monday” in markets shows how access to gains and risk is reshaped by (1) Brazil’s presidential election shock hitting public fintech stocks, (2) Anthropic’s blockbuster IPO filing despite…
27 Oct 2026 · 21m · 9 chapters♨️ Sezzle Applies to Become a Real Bank. American Express Raises Its Guidance Again. Nasdaq Posts Record Index Inflows.
How financial firms shift from “renting” infrastructure to owning regulatory moats—Sezzle building a bank, American Express optimizing legacy earnings and deposits, and Nasdaq monetizing compliance…
26 Oct 2026 · 19m · 9 chapters🧾 Capital One Counts the Discover Wins. Western Union Goes Full Stablecoin. Ramp Eats Another Startup.
The episode argues that fintech’s “flashy apps” have been renting underlying payment/transfer infrastructure, and that major players are now buying or building the “pipes” to keep margins and control…
22 Oct 2026 · 21m · 12 chapters🚗 Ally Piles Up Record Auto Applications. Synchrony Beats but Bleeds. Cross River Goes Shopping for a Wallet.
How Ally, Synchrony, and Cross River compete to “own the wallet” after credit approval by turning one-time lending into long-term loyalty, and how embedded wallets at checkout could bypass margin…
21 Oct 2026 · 21m · 9 chapters🚀 Fifth Third Wraps Comerica. Ramp Applies for a Trust Charter. Plata Outpaces Nubank to $1 Billion.
The episode argues that fintech is shifting from “renting” banking infrastructure to “owning the stack” (vault, custody, core banking) for leverage and efficiency.
20 Oct 2026 · 23m · 10 chapters🛣️ Visa Pours Concrete on the Stablecoin Rails. Marqeta Sends Its Cards Down Base. Cross River Lets Ripple Ride Shotgun.
How Visa, Mastercard, Marketa, Coinbase/Base, and Cross River Bank are rapidly integrating stablecoins into mainstream payments, replacing slow fiat settlement “roads” with near-instant crypto rails.
19 Oct 2026 · 19m · 12 chaptersIntuit Buys the Sequel. Schwab Wins the Quarter and Loses the Day. Payward Goes Full Banker in Europe.
The episode argues that 2026’s financial “moats” are shifting from apps and tokens to core infrastructure: billing mechanics, brokerage risk optics, and regulated banking licenses.
16 Oct 2026 · 20m · 9 chapters💸 Bank of America Gets Fined. Morgan Stanley Finds New Millionaires. BlackRock Hits $15 Trillion.
Q3 earnings deep-dive into how Bank of America, Morgan Stanley, and BlackRock make money, framed as “fintech stories” hidden in balance sheets, plus a warning about systemic risk if shared software…
15 Oct 2026 · 20m · 9 chapters🚦Citi Beats and Still Bleeds. Visa Gets a Green Light in China. Stripe’s Privy Hands AI Agents a Wallet on XRP.
How financial “headline wins” hide costs, and how payments are shifting from regulated card networks to faster blockchain rails for AI agents.
14 Oct 2026 · 22m · 11 chapters🏈 Ramp Raises $1.85 Billion Without Breaking a Sweat. OPay Walks Into the NYSE. Coinbase & Others Gets Benched in Michigan.
How fintech companies are navigating the broken “Wall Street conveyor belt,” comparing private dominance (Ramp), going public from an emerging market (OPay), and getting constrained by state…
13 Oct 2026 · 19m · 10 chapters🧾 Wise Eats the Tax Bill. Shopify Hands Grok the Keys. SoFi Takes Crypto Shopping in Mexico.
How failures and outsourcing in the “fintech stack” create risk and power shifts—vendor risk (Wise tax errors), agent risk (Shopify merchants using third-party AI like Grok), and stablecoin payment…
9 Oct 2026 · 20m · 12 chapters🏛️ Congress Puts Webull on the Naughty List. Robinhood Buys a $25 Million Bitcoin Bag. Anchorage Buys Routable.
The episode is about “financial plumbing” and who controls it—especially when brokerage, crypto, and payments infrastructure may be tied to overseas systems. It centers on a bipartisan U.S.
8 Oct 2026 · 20m · 8 chapters🌧️ Gen Opens Its Doors to AI Agents. BNY Flirts With Kraken's Plumbing. Rain Wants a Federal Charter.
Fintech “plumbing” is being rewired by three moves: Gen Digital’s AI-agent commerce API, BNY’s reported crypto-infrastructure partnership with Kraken/Payward, and Rain’s bid for a national trust bank…
7 Oct 2026 · 21m · 8 chapters🇧🇷 Nubank Catches a Ballot Bump. Coinbase Catches a Lawsuit. Monarch Catches an Infrastructure Habit.
How politics, regulation, and fintech M&A are reshaping everyday “banking” (Brazil’s election-driven market shift for Nubank, a U.S.
6 Oct 2026 · 11m · 6 chapters🗳️ Better's Board Gets the Boot. JPMorgan Takes the Censure. Webull Gets a Cashtag.
How “friction” in finance is being removed or overridden across (1) corporate governance, (2) megabank regulation, and (3) social-media trading distribution.
5 Oct 2026 · 20m · 12 chaptersWe use cookies.They keep VO running smoothly and help us improve it. Privacy policy