Affirm’s journey is a bold, thrilling reimagination of consumer credit, led by Max Levchin—a PayPal co-founder who dared to challenge the entire credit card industry. From his roots in Kyiv to Silicon Valley, Levchin set out to destroy the traps of hidden fees and compound interest by creating “honest financial products” that have quietly revolutionized how 22 million Americans pay for everything from Peloton bikes to Amazon orders. Affirm’s strategic partnerships—with giants like Peloton, Shopify, and Amazon—not only fueled explosive growth, but also forced the fintech world and Wall Street to grapple with an audacious new vision for lending built on transparency and trust. How did Levchin convince the biggest names in retail to bet their customer relationships on his idealistic model? Can Affirm withstand regulatory headwinds and fierce rivals as it expands into business lending and embedded finance? Dive into this captivating story to discover the inside strategies, dramatic turns, and lessons for anyone interested in the future of money—read the full deep-dive to unlock the secrets behind the anti-credit card revolution!

Transcript - https://empor.top/us/AFRM

Covering

• I. Introduction & Episode Roadmap
• II. Origins: Max Levchin's Post-PayPal Journey
• III. The Anti-Credit Card Thesis
• IV. The Peloton Partnership: Finding Product-Market Fit
• V. Scaling the Network: From DTC to Platform
• VI. The IPO and Public Market Debut
• VII. The Amazon Partnership: Reaching Scale
• VIII. Beyond Consumer: The Business Expansion
• IX. Regulatory Challenges & Industry Evolution
• X. Business Model & Unit Economics Deep Dive
• XI. Playbook: Lessons for Founders & Investors
• XII. Bear vs. Bull Case & Future Outlook
• XIII. Recent News
• XIV. Links & Resources