Block’s 3Q 2025 & Investor Day position it as an AI-driven FinTech juggernaut approaching an inflection point 🤖📈; Ramp launches the first production-ready AI Agent for Financial Modeling 📊🤖

FinTech is Eating the World, 21 November

Hey Everyone,

Good day & happy Friday! Another incredibly packed FinTech week is about to end… Ramp’s $32 billion valuation & the dawn of autonomous finance, how Nubank built AI moat competitors can’t touch, Revolut doubling down on travel ecosystem, Coinbase preparing to launch a prediction markets platform to get closer to the Everything Exchange and better compete with rival Robinhood, the ultimate due diligence checklist for VCs and startup investors, and much more was covered over the last 5 days alone 🤯 But the good thing is that it’s not over yet, as today we’re looking into Jack Dorsey Block’s 3Q 2025 & Investor Day, which clearly position it as an AI-driven FinTech juggernaut approaching an inflection point (breaking down their most important financials & product focus to see whether this FinTech giant is worth your time and money + bonus deep dive into PayPal inside), and Ramp that just launched the first production-ready AI Agent for Financial Modeling (what’s the USP here & why it’s a brilliant play + deeper dive into Ramp, why it’s exciting & more reads on Agentic Finance & AI inside). So let’s just jump straight into the amazing stuff 🌶️

Block’s 3Q 2025 & Investor Day position it as an AI-driven FinTech juggernaut approaching an inflection point 🤖📈

Following the money 💸 While most FinTech companies scramble to integrate AI as an afterthought, Block XYZ 0.00%↑ has quietly achieved something remarkable:

90% of its code submissions are now AI-authored, engineering velocity has increased 30%, and proprietary AI agents are shipping products in 6-8 weeks that previously took quarters.

Most importantly, it’s translating to $10.24B in gross profit (30% CAGR since 2020), 26 products generating >$100M annually, and the company’s first-ever Rule of 40 achievement in sight for 2026. Cash App Borrow has also scaled to $22B in annualized originations with pristine 24% net margins and stable credit performance, while Square’s GPV growth just hit 12% - the fastest pace in two years - as AI-powered tools help sellers automate operations competitors can’t match.

Let’s dive deeper into Block’s 3Q 2025 & Investor Day 2025, uncover the most important facts and figures, and see whether Jack Dorsey’s FinTech giant is worth your time and money.