Machine Earnings | The Future of Finance, Demystified

>> THIS_WEEKS_EPISODE

MON-THU // 09:00 PT

[LATEST]EP_047 // FED_PIVOT_MECHANICS

>>SIGNAL_FEED

2 POSTS

@pacaborin3h

The gap between AI-native fintech startups and legacy banks is about to become uncloseable. Not because of technology—because of data flywheel effects.

↩ 47⟳ 182♥ 891

@chamath5h

Every financial services company will become an AI company. The ones that don't will become case studies.

↩ 234⟳ 1847♥ 8920

>>THE_LEAD

● LIVE

OpenAI's New Reasoning Model Changes the Game for Financial Services

The latest model from OpenAI isn't just faster—it thinks differently. And that matters for anyone building AI into financial workflows.

The o3 model introduces "deliberative reasoning"—a multi-step process that mimics how analysts actually work through complex problems. For trading desks and risk teams, this is the difference between a chatbot and a colleague.

Early adopters in hedge funds are already testing it for scenario analysis. The results? Faster iteration on investment theses, with fewer hallucinations in the output.

WHY_IT_MATTERS >>

▸Reasoning models can handle multi-step financial calculations that previous models struggled with
▸Compliance teams see potential for automated audit trails—the model shows its work
▸Cost per query is dropping, making enterprise deployment economically viable for the first time

>>BIG_STORIES

3 ITEMS

AI & Financial Services

Stripe launches AI-powered fraud detection for enterprise

The payments giant claims 40% reduction in false positives while catching more actual fraud. Available to all enterprise customers starting Q1.

READ_MORE >>

Crypto & Prediction Markets

Bitcoin ETF inflows hit $2B in single day

BlackRock's IBIT leads the charge as institutional demand shows no signs of slowing despite price consolidation.

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Bank Tech

Chime files confidentially for IPO

The neobank is targeting a $25B+ valuation, testing whether fintech can still command premium multiples.

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>>CHART_OF_DAY

▲ 30.0%

MIN: 97MAX: 130

[CHART] Fintech IPO pricing vs. S&P 500 performance (indexed to 100)

>>QUICK_HITS

4 ITEMS

Plaid raises prices 20% for new customers

Citing increased compliance costs

Goldman launches synthetic data platform

For training internal ML models

Tether reports $2.5B Q3 profit

From treasury operations

Ramp valued at $7.65B in new funding

Up 25% from last round

>>POST_OF_DAY

★

◆Stratechery

The Quiet Revolution in Bank Infrastructure

Ben Thompson on why the boring parts of banking are about to get very interesting. Core banking modernization meets AI—a deep dive into what happens next.

READ_POST→

>>THE_FEED

LIVE

Market-moving signals in Fintech & Finance

12.18.2025[AI]

AI Predicts Market Volatility

New machine learning models from major hedge funds are showing unprecedented accuracy in predicting short-term market movements.

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12.18.2025[CRYPTO]

Crypto Regulation Update

SEC announces new framework for digital asset classification, providing clarity for institutional investors.

READ_MORE >>

12.17.2025[MARKETS]

Fed Signals Rate Pivot

Federal Reserve hints at potential rate cuts in Q1 2026, markets respond with cautious optimism.

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12.17.2025[FINTECH]

Stripe Expands to 10 New Markets

The payments giant continues its global expansion, targeting emerging markets in Southeast Asia and Africa.

READ_MORE >>

VIEW_ALL_STORIES >>