Lamine Zarrad
Founder and CEO of StellarFi, a fintech building white-label and co-branded card infrastructure focused on serving thin-file, near-prime and subprime consumers; discusses underwriting philosophy and product roadmap in the episode.
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Mar 24, 2026 • 47min
Fintech Takes x Spinwheel presents Credit Without Constraints Episode 3: Acquisition
Lamine Zarrad, founder and CEO of StellarFi, builds white-label card infrastructure for thin-file and near- to subprime consumers. He explains treating credit as contextual trust and making underwriting an iterative game rather than a one-time decision. Discussion covers using product mechanics as risk levers, combining fragmented signals into living credit profiles, and a gamified roadmap for users to graduate to better credit.
