Archive - The Free Toaster

News Pod #7 - TU's $56MM Purchase of Monevo - How's It Going?

In April 2025, Transunion completed its acquisition of Monevo (a UK-based credit prequalification platform).

Feb 21 • Carlos Caro

18:22

Cash App to Sell its Credit Score

Block is (attempting to) monetize the financial habits of 58 million monthly users, offering third-party lenders a unique view into the underbanked that…

Feb 19

E039 - Is My Application Experience Broken?

Today we walk through a list of questions to ask yourself to determine whether your application experience needs a tune up.

Feb 18 • Carlos Caro

13:42

News Pod #6 - Guest Pod w/ Prithvi Prabhu + Mr. Beast's Fintech Acquisition

This week Prithvi Prabhu drops in to help us contextualize Cash App Borrow's metrics from this Edition:

Feb 16 • Carlos Caro

22:19

MoneyLion’s 40% Growth Outpaces Gen Digital’s Core Business

Plus, Mr. Beast's Purchase of Fintech App Step

Feb 11

News Pod #5 - Fiserv & Affirm Join Forces To Bring BNPL To Debit Cards

The Free Toaster hosts Carlos Caro and Nick Madrid add context to the story covered in the Newsletter earlier this week.

Feb 6 • Carlos Caro

8:30

WTF 2026 - Since When is Debit NOW Credit!?

Affirm and Fiserv brings BNPL to millions of debit card users and thousands of retailers.

Feb 4

E038 - 7 Must-Have Traits for Your VP of Partnerships

Today we cover the 7 traits of successful VPs of Partnerships, why they matter, and how to assess them during interviews.

Feb 3 • Carlos Caro

24:09

January 2026

News Pod #4 - Affirm's FDIC application and Credit Card Growth

Listen now (12 mins) | Affirm is officially making a play to become its own bank by submitting applications to establish Affirm Bank through a…

Jan 30 • Carlos Caro

11:35

Affirm Submits FDIC Application Through ILC

Affirm’s quest for a bank charter, OnePay’s post-purchase swipe.

Jan 28

The 7 Traits Your Next VP of Partnerships MUST Have

And the exact interview questions to ask to vet candidates.

Jan 27 • Carlos Caro

News Pod #3 - Cash App's "Invisible" Consumer Lending Business

Listen now (11 mins) | Cash App Borrow is quietly building a monster (and seemingly highly profitable) consumer lending business under the radar.

Jan 23 • Carlos Caro

10:32

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