Michael Fanfant co-founded Octane Lending and stayed on its board as it grew past a $900M valuation, and he later helped launch Roadrunner Financial, a near-prime lender for powersports vehicles, giving him direct experience building credit products in specialized, underserved markets. He talks about fintech through a long historical lens, from transatlantic cables to PayPal and crypto, and focuses on how regulation differs across each vertical rather than treating U.S. fintech as one market, with a particular interest in payments built directly into software for industries that still rely on paper-based processes.