Fintech Stacks

Crypto trading dried up and Coinbase felt it hard, a regional bank learned the true cost of banking-as-a-service the expensive way, and Mastercard reminded everyone why payment networks are the closest thing fintech has to a sure bet. We break down all three earnings prints and what they mean for where fintech money is actually flowing.

SoFi, Robinhood, and Lemonade all walked into earnings day, crushed their numbers, and got sold off anyway. We break down record loan volumes, a 44% EPS beat, and a 79% revenue surge — and why none of it was enough for Wall Street. If you've ever wondered what it takes to actually satisfy the market, this is your answer key.

Visa just crossed $4 trillion in quarterly payments volume, PayPal proved its turnaround has legs, and TransUnion quietly posted the best beat of the day. We break down what each earnings report actually means for the fintech trade heading into the back half of 2026.

HSBC just sold its Singapore insurance business but figured out how to keep getting paid for it anyway. A rent-fintech wants to become its own bank instead of splitting profits with a partner. And BitMine's Ethereum stash just crossed $11.8 billion — we break down why a public company owning 5% of ETH actually matters.

The OCC handed out two totally different verdicts this week — and we break down why Upstart got fast-tracked into banking while Wise got benched over compliance issues. Plus, American Express proves premium cardholders don't care what the Fed is doing.

Visa just quietly cornered a trillion-dollar industry nobody else wanted. Nasdaq crossed $1T in assets and is racing London to own overnight trading. And Bread Financial's earnings beat might be the best read yet on how the American consumer is actually doing. We break down all three.

IBKR just posted its best quarter ever — record margins, a bank charter, and retail access to SpaceX. We break down why Capital One's credit book is finally healing post-Discover, and why Apple picking Klarna as its financing partner might be BNPL's biggest cosign yet.

Schwab just posted the best quarter in its 50+ year history, Synchrony blew past estimates by almost 30%, and Ally missed on EPS but still had one of its strongest quarters in years. We break down what record trading volume, crypto rollouts, and consumer credit trends are really telling us about where retail investors and everyday spenders stand heading into fall.

PayPal's board just turned down a $53 billion offer from Stripe — and today we get into why they think they're worth more. Plus, Chime just turned your checking account into a brokerage account, and Zions cashed in a 19-year-old Visa jackpot to crush its quarter. Three stories, one wild Monday in fintech.

Three banks reported Friday and told three totally different stories — one riding a merger high, one proving even a huge beat can't move a bored market. Plus, Galaxy Digital just put its name on a Big 12 stadium, and we get into why crypto firms are suddenly obsessed with mainstream credibility.