Blue Ridge Bank and Choice Bank face enforcement actions, raising questions about consumer alarm and regulatory response to BaaS. Klarna and Affirm expand offerings, including subscription-based services and high-yield savings accounts. The hosts debate PayPal's aggressive PR push and the $3.1 billion valuation of Bilt Rewards. They also touch on fast lane and smart receipts in fintech, as well as discuss Built, a payments and reward network for renters. The podcast ends with reactions to a ridiculous crypto scam video and the impact of the .ai boom in Anguilla.