Markets are sliding, timelines are screaming, and fintech earnings are hitting all at once. In today’s episode of Fintech Stacks, we slow it down and break through the noise. Affirm misses expectations and resets the BNPL narrative, Blue Owl keeps stacking assets as private credit attracts institutional capital, and Bill.com proves boring execution still wins. No panic, no hype — just the numbers, the context, and why staying the course matters right now.