Archive - Fintech Blueprint 🤖🏦🧭

Analysis: Can Zero Human Companies Escape Economic Gravity

From a vending machine that lost $200 to agents earning $1M in fees, autonomous commerce is here.

11 hrs ago • Lex Sokolin

Fintech: Why Capital One Chose Brex in a $5B Deal

Behind the largest fintech-bank deal in history

Feb 10 • Michiel Milanovic

Analysis: 1.6 Million Lobster AIs Are Talking, Trading, and Paying

Shell Companies Lobsters and the Rise of AI Agents

Feb 4 • Lex Sokolin

Podcast: The Quiet Fintech Behind $85 Billion in Transactions, with Payoneer CEO John Caplan

With 2 million users in 190 countries, Payoneer is quietly replacing global banks.

Feb 2 • Matt Low

44:24

January 2026

Report: Is Fintech or DeFi a better financial system?

Does crypto or fintech win? We compare Revenue, Volume, Users, and Take Rates of Fintech and Onchain Protocols

Jan 30 • Lex Sokolin, Mario Stefanidis, and Jon Ma

AI: PayPal’s $200M Wake-Up Call in AI Commerce

Stripe and PayPal race to Power AI Transactions

Jan 26 • Luke Spill

Analysis: A $4.4B Bank for the New Military–Tech Stack

Erebor secured OCC and FDIC approvals in just 9 months, without a public product

Jan 22 • Lex Sokolin

DeFi: Polygon’s $250MM play for the Stablecoin Rails, competing with Stripe

The chain acquires smart wallets and licensed onramps

Jan 20 • Laurence Smith

Analysis: Google, Shopify, and the Infrastructure Layer for AI Shopping

Exponential growth and power laws explain why Big Tech keeps winning

Jan 15 • Lex Sokolin

Fintech: Why Fintechs are Racing for Bank Charters again

A coming of age moment for fintech

Jan 13 • Michiel Milanovic

Analysis: Our 3 Trends to Watch in Fintech and AI for 2026

Seventeen fintech companies worth $280B may IPO in 2026, marking a coming-of-age moment for the sector.

Jan 8 • Lex Sokolin

Podcast: Building DeFi's $25B Liquidity Engine, with Curve Founder Michael Egorov

YieldBasis targets a $50B market by turning impermanent loss into impermanent gain

Jan 5 • Matt Low

48:31

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