◆ Gentoo Logic · Modeling Warehouse

Architecture comparison

Affirm vs Nubank

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.

Nubank

FinTech

Proximity

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

Models

—

Cloud · datastore

AWSCassandraPostgreSQL

Compliance

SOC 2

Architecture

Heavy in-house ML (acquired Hyperplane); off the LLM map at the core.

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