◆ 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
HybridMongoDB Community Editioncustom in-house DocDB layerdatabase proxy serverssharded replica sets
Compliance
PCI Level 1 Service ProviderSOC 2GDPR
Architecture

Stripe’s current production data layer is built around an in-house DocDB system that extends MongoDB Community Edition, with thousands of shards, in-house proxy/routing services, and zero-downtime migration tooling. Public sources also show Stripe using AWS services in production, so the most defensible classification is Hybrid rather than AWS-only.

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