Today on Fintech Stacks, we’re watching fintech grow up in real time. PayPal puts on the suit and applies to become a bank, Shopify cracks open the Temu floodgates to keep its merchants everywhere commerce happens, and Visa finally treats stablecoins like a first-class citizen instead of a side quest. Three moves, one theme: control the rails or get run over by them. If you care about how money actually moves — and who gets to own it — this one’s for you.