The fintech world has not been a happy destination for most investors including this writer. There have been more than a few busted dreams including Upstart (UPST), to point out the most spectacular flame out and Pagaya (PGY), the latest fin tech causing investor angst. Even those fintech companies who have achieved a measure of operational success such as Affirm (AFRM) have had a bumpy ride when it comes to valuation.