◆ Gentoo Logic · Modeling Warehouse

Architecture comparison

Affirm vs PayPal

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.

PayPal

FinTech

Proximity
Off the LLM map (in-house non-LLM ML)
Models
Cloud · datastore
HybridOracleown
Compliance
SOC 2PCI DSS
Architecture

Massive in-house fraud/risk ML on its own infrastructure; off the LLM map at the core.

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