Payments came through friends, investing came through an app store chart, savings came through a rate, credit came through a checkout button, and treasury came through payroll software. This survey of fintech adoption models in America maps those doorways: where each one is being used, what it pays the people walking through it, where it can pinch, and which doors open widest between now and 2031. Fintech adoption models in America: the current scoreboardRead the board by segment. Use cases across the money stackEach adoption model owns a use case. And business-to-business-to-consumer routes own obligation money: payroll advances, benefits accounts, retirement plans that arrive through an employer’s choice rather than a consumer’s search.