Fintech and Crypto Stocks

About Fintech and Crypto Stocks

This is the highest-beta corner of financials and it should be treated that way. The group ranges from digital lenders to crypto exchanges to bitcoin miners to companies whose main activity is holding digital assets on the balance sheet, and several of them will move more in a week than a bank moves in a year.

The distinction that matters is fee income against balance sheet. An exchange charges per trade and carries none of the risk in what it processes, so it makes money from activity whichever way prices go. A lender owns the outcome of its loans. A company holding the asset itself is not really an operating business at all, it is a wrapper, and its shares track the asset with leverage from whatever debt was used to buy it.

Miners are the roughest of the lot. They turn electricity into a commodity at a price they do not set, competing against everyone else's computing power for fixed issuance, with the reward cut in half on a schedule. Power costs and access to cheap electricity decide who survives. Treat the whole category as a position size question rather than an analysis question.

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• Payment and Marketplace Stocks
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