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 across markets, inflation, and investor behavior. This episode is about independence, patience, and why macro just grabbed the mic again.

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 — not humans — do the shopping.

Three stories. One theme: infrastructure beats hype.

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 says about the future of global hiring, compliance, and cross-border payments. Plus, Block crosses a massive $200 billion lending milestone, reminding everyone it’s not just a payments company — it’s already operating at bank-level scale.

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, and global finance are actually going — this is the stack.