A YouTube superstar buys a banking app, a corporate card giant takes a victory lap, and an HR fintech tries to become your company’s operating system. In today’s episode of Fintech Stacks, we break down MrBeast’s surprising move into consumer finance with Step, ask whether Ramp has already won the Brex-era fintech race (and what comes next), and unpack why Rippling spent Super Bowl money to tell the world it wants to run payroll, IT, and everything in between. It’s creators, cards, and corporate chaos—with one Bad Bunny–approved reminder that culture always shows up before the balance sheet.