Fintech Blueprint 🤖🏦🧭

Fintech Blueprint 🤖🏦🧭

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Analysis: Stripe bids $53B for PayPal; and the DeFi Post-Mortem
A funeral, a simulation, and the Phoenix
 • Lex Sokolin
DeFi: Should prediction markets get $40B valuations?
Is it sports betting or a new financial market?
 • Laurence Smith
Analysis: Architect and the $11 Trillion AI Capital Markets
The next frontier in AI may not be better models, but better financial markets for compute
 • Lex Sokolin
Fintech: Robinhood launches Eth chain for Stock tokens
And the crypto stack powering it
 • Michiel Milanovic
AI: Are AI employees more expensive than humans?
Finance departments need to have serious conversations around weighing costs of tokens against human payroll.
 • Luke Spill
Analysis: Launching a $201MM SPAC for Fintech, AI, and Crypto
The next SPAC cycle is being built around companies with real revenue, not pandemic-era projections.
 • Lex Sokolin
Report: The State of Finance for Marketers, and where Banks are beating Fintechs
Where is Europe's finance marketing budget actually going?
 • Lex Sokolin
43:31
Podcast: Inside the $1B-a-Day Stablecoin Market Maker for 1,500 Institutions, with B2C2's Cactus Raazi
440 exchanges and a multi-stablecoin bet: The plumbing behind institutional crypto
 • Matt Low
Analysis: From Roboadvisors to AI Advisors at Coinbase and Mercury
Coinbase launched an SEC-registered AI advisor while Mercury embedded AI across a banking platform serving more than 300,000 businesses.
 • Lex Sokolin
DeFi: Why Coinbase and Apollo Are Building on $2B Morpho
After Aave faced up to $236M in bad debt and $6B in withdrawals, Morpho’s isolated-market design suddenly looked far more valuable.
 • Laurence Smith
Analysis: Why Silicon Valley Values Ramp at $44B and Bill at $3B
While Bill.com trades at roughly 2x revenue, Ramp continues to command AI-era multiples of 15–30x.
 • Lex Sokolin
Fintech: Behind Deel’s Plan to Turn $22B of Payroll Flow Into Stablecoin Float
Fintechs discover DeFi markets
 • Michiel Milanovic
Fintech Blueprint 🤖🏦🧭
Fintech Blueprint 🤖🏦🧭
Become a world-class financial services investor and operator, leveraging our deep research on Fintech, DeFi, and AI to improve your strategy and achieve success.
Podcasts
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Fintech Blueprint 🤖🏦🧭
Podcast: How Perplexity's Computer Is Replacing the Family Office, with Perplexity Finance’s Jeff Grimes

Company Financials

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Fintech: Why Capital One Chose Brex in a $5B Deal
Behind the largest fintech-bank deal in history
 • Michiel Milanovic
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
 • Lex Sokolin, Mario Stefanidis, and Jon Ma
Analysis: Schwab buys private shares broker Forge for $660MM, down from $2B SPAC price
SPVs Multiply as Pre-IPO Valuations Race Beyond $100B
 • Lex Sokolin
Fintech: Figure's $8B IPO rewiring HELOCs and prime brokerage
From HELOCs to the $2T consumer lending market
 • Michiel Milanovic
Analysis: The Economics of a Digital Asset Treasury
Is there a difference between DATs, ETFs, SPACs, and the underlying assets?
 • Lex Sokolin
Analysis: Hyperliquid prints $550MM revenue and $40B valuation with no VCs
With $300B in monthly volume, this small team may have created the next Binance onchain.
 • Lex Sokolin
Fintech: Chime IPO Primer - Can it hit $15B?
Winning the primary bank customer is not enough
 • Michiel Milanovic
Fintech: Can Revolut beat Robinhood in the US and Nubank in LATAM?
The trade-off between product expansion and overseas growth
 • Michiel Milanovic
Analysis: Our eToro IPO Primer, a global neobroker with $300MM in profit
With $300M in EBITDA, eToro’s IPO may rival Webull, Robinhood, and Coinbase.
 • Lex Sokolin
Analysis: Our Circle IPO Primer, $1.6B revenue reaching for $10B valuation
Interest rates all the way down
 • Lex Sokolin
Fintech: Klarna IPO Primer; will it reach $30B?
Benchmarking the category-defining Swedish BNPL against Affirm
 • Michiel Milanovic
AI: Is CoreWeave’s $35B IPO an AI Hyperscaler or a GPU Debt Trap?
CoreWeave is set to be the most anticipated tech IPO of the last few years as investors prepare for the first pure play AI IPO opportunity available to…
 • Luke Spill

Research

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Report: The State of Finance for Marketers, and where Banks are beating Fintechs
Where is Europe's finance marketing budget actually going?
 • Lex Sokolin
Report: The State of Intelligent Finance, from Plaid
Will people trust AI agents to handle their finances?
 • Lex Sokolin
Analysis: The Fintech Blueprint AI & Robotics Report Q1 2026
This 121 page report maps 95 companies across AI infrastructure, foundation models, robotics, agents, and decentralized networks
 • Lex Sokolin
Robotics 101: Understanding the Robotics economy and its financial applications
How Web3 could power autonomous labor
 • 0xjacobzhao and Lex Sokolin
Research: Plaid's 2025 Fintech Consumer Report
Consumers now expect their apps to be smarter and more connected
 • Lex Sokolin
Fintech 101: The Tokenization of Real World Financial Assets
How asset management is moving onchain at scale
 • Will Beeson
AgentFi 101: The Definitive Guide to Decentralized Financial Agents
Lending, Farming, Arbitrage AgentFi’s First Real Use Cases
 • 0xjacobzhao and Lex Sokolin
Fintech 101: Money Movement reimagined with Stablecoins
How stablecoins are rebuilding global finance and commerce
 • Lex Sokolin and Marc Baumann
AI 101: How financial companies can build AI Agents
60% of Finance already is subscribed to AI services according to Ramp
 • Luke Spill
Research: The 2025 Practitioner’s Guide to Stablecoins
Stablecoins have quietly become the most used product in crypto for their practical utility
 • Will Beeson
Investing 101: DeFi Fixed Income Yields
Three Low-Risk DeFi Strategies Yielding Above Fed Rates
 • Lex Sokolin
Fintech 101: Neobanks
Introduction to core sectors
 • Lex Sokolin

Cornerstone Philosophy

Analysis: A Psalm to the Machine Gods
The Feeling of 2026
 • Lex Sokolin
Fintech: Why Iran demands crypto for ships crossing the Strait of Hormuz
Rising demand for a global neutral settlement layer
 • Michiel Milanovic
Analysis: Coinbase's Super App to swallow Crypto, like Google ate the Internet
Free finance, infinite choice, and the rise of closed-loop financial fortresses.
 • Lex Sokolin
Analysis: From Vanguard to Believe App, investing collapses into short form content
The Technium is leading us to create faster systems, but for worse outcomes.
 • Lex Sokolin
Long Take: Emergence of Generative Artificial Intelligence sector, and powering DAOs with shallow labor
Gm Fintech Architects —
 • Lex Sokolin
Long Take: Deriving Polygon Supernets and Avalanche Subnets value accrual through the Laws of Nature
Gm Fintech Architects —
 • Lex Sokolin
Long Take: The Roaring Twenties of Populism, Institutionalism, and Technology's Meaning
Gm Fintech Futurists — a bit of philosophy for you at the close of the year.
 • Lex Sokolin
Long Take: Getting ahead in Facebook's Metaverse by earning the Harvard of NFTs
Hi Fintech futurists --
 • Lex Sokolin
Food for Thought: A meditation on capitalism, the grey goo, and the Borganisms
The cycle of capitalism.
 • Lex Sokolin
Long Take: The absurdity of how the Internet is both beautiful and awful, and the memetic infection of Finance
Hi Fintech futurists --
 • Lex Sokolin
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