◆ Gentoo Logic · Modeling Warehouse

Architecture comparison

Affirm vs Stripe

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.

Stripe

FinTech

Proximity

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

Models

—

Cloud · datastore

AWSMongoDBcustom sharded database layer (DocDB)

Compliance

PCI DSSSOC 1SOC 2ISO 27001

Architecture

Stripe’s publicly documented infrastructure shows heavy AWS usage for observability and operations, plus a sharded/tiered storage design that Stripe built to scale data access and migrations. Public sources do not confirm a core production reliance on a foundational LLM; the available evidence points to a proprietary payments platform rather than an open model stack.

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