Everee: Daily Payroll Without the Wait

Building a financial product can mean managing a maze of vendors, contracts, compliance requirements and disconnected systems. In this episode, Moola founder Jason Schappert and Spidr co-founder Ramy Serageldin share how Spidr and SoFi Tech helped Moola unify its financial infrastructure, streamline compliance and spend more time helping everyday families invest and build wealth.

Discover how DigniFi brought loan servicing in-house with SoFi Tech Credit to move faster, strengthen auto dealer relationships, improve the customer experience and help more consumers get back on the road.

Everee co-founders Piers and Dana discuss how real-time payroll is helping employers, especially those with frontline and nontraditional workforces, move beyond the traditional pay cycle. They share Everee's origins, the case for embedding earned wage access directly into payroll, and how Flex Credit helps businesses fund payroll during accounts receivable gaps without factoring fees. They also highlight Everee's work with Dlivrd/Expedite, including branded pay cards and real-time payouts, and explore how AI is changing payroll technology. Throughout the conversation, they explain why industry expertise, embedded integrations, and strong collaboration led Everee to choose SoFi Tech Solutions.

Pamela Soto and Leonardo Perez, co-founders of Orbi, explain how their Mexico-based app lets users hold, receive, convert, and spend USD via stablecoins without traveling to the U.S. They describe building an ecosystem that combines a bank-like experience with crypto rails, including cheap peso-to-USD conversions, an Orbi card with global acceptance, instant on/off-ramps via SPEI, support for ERC20/TRC20 deposits, and stablecoins like USDC, USDT, and USDG. Orbi also offers bill pay, marketplace purchases, yield, Orbi Pay transfers, and virtual accounts in the U.S. and Europe (ACH/Fedwire/SEPA). They emphasize strong KYC/AML compliance, partner infrastructure for authorization, settlement, and fraud controls, rapid product iteration, and real customer stories where Orbi enabled travel spending and timely rent payments.

Aplazo is expanding access to transparent, flexible installment credit across Mexico. In this conversation, Alex Wieland explains how Aplazo evolved from a Buy Now, Pay Later solution into a physical and digital installment card accepted anywhere Mastercard is accepted in Mexico. He also shares why Aplazo partnered with Galileo, now SoFi Tech Solutions, to build the processing infrastructure behind its card program. You'll learn how Aplazo: - Serves consumers with limited access to traditional credit - Moved beyond checkout-based BNPL - Built a non-revolving card with fixed installment payments - Expanded to more than 15,000 integrated merchants - Uses technology and trust to grow a two-sided network - Plans to deepen its presence across Mexico Learn more about SoFi Tech Solutions: https://tech.sofi.com/

Arro is working to expand access to credit for consumers traditional scoring models often overlook. In this episode, we explore how Arro combines behavioral data, cash flow signals and AI-powered coaching through its proprietary Arro Score.

Cross River has spent nearly two decades building infrastructure for fintech innovators. Hillel Olivestone joins Galileo to discuss how the bank moved beyond legacy systems to create its own core, enabling leadership across RTP, FedNow, and emerging digital asset use cases. He also shares insights on embedded finance, evolving client profiles, and maintaining strong regulator relationships in a changing environment.

Direct deposit is not flashy, but it changes the economics of an account overnight. In this episode, Scott Weinert, co-founder and CTO of Atomic, shares how financial institutions are increasing profitability through seamless payroll connectivity, payment switching, and merchant integrations. He also discusses governance, transparency, and the responsibility fintechs carry when handling consumer permission data. This conversation connects infrastructure decisions to real outcomes for banks, fintechs, and the people they serve.

Fintech started by serving customers traditional institutions overlooked. Today, it's driving the next wave of payment innovation. In this episode, Christienne Genaro talks with Visa's Kevin Meigs about how the ecosystem has matured and where it's headed next. They discuss the rapid growth of BNPL, the launch of Visa Flex Credential, and how a single card can now move between debit and credit with a simple toggle inside apps like Klarna or Affirm. They also break down what agent-driven commerce means for networks, merchants, and consumers, including how trust, authentication, and interoperability shape the future of transactions. From sponsor bank partnerships to strategic investment decisions, this conversation offers a candid look at how Visa evaluates risk, innovation, and long-term growth.

Prashant Shah, VP of Product Management at Galileo, speaks with Justin Gainsley, who leads payments at Coinbase, about how stablecoins are being used in real payment flows today. They discuss checkout, payouts, treasury use cases, interoperability across blockchains, and how stablecoins can coexist with traditional payment rails while expanding global reach.