◆ Gentoo Logic · Modeling Warehouse

Architecture comparison

Affirm vs Checkout.com

No shared foundational model — different bets.

Affirm

FinTech

Proximity

Off the LLM map (in-house non-LLM ML)

Models

—

Cloud · datastore

AWSPostgreSQLKafka

Compliance

SOC 2PCI DSS

Architecture

BNPL underwriting on large in-house risk ML; off the foundational-LLM map at the core.

Checkout.com

FinTech

Proximity

Off the LLM map (in-house non-LLM ML)

Models

—

Cloud · datastore

HybridownPostgreSQL

Compliance

PCI DSSSOC 2

Architecture

Global payments processor on its own infrastructure; large in-house fraud/risk ML; off the foundational-LLM map at the core.

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