Vol. III · §1.0
About FintechPays.
§1 · Mission
FintechPays grades fintech affiliate programs by the realistic dollars-per-click a competent creator would earn over 12 months — not the headline commission percentage the marketing brochure quotes. The headline lies. The rubric doesn't.
We cover 16 niches × 8 markets in the umbrella roadmap: prop trading, crypto tax software, business banking, trader infrastructure, crypto exchanges, forex/CFD brokers, credit cards, stock brokers, money transfer, personal loans, robo-advisors, neobanks, crypto wallets, BNPL, insurance, gold IRA. Every program in every cell is scored, dated, signed.
§2 · The editorial team
Fact-checker
Asha Devi
Standards Desk (Fact-Checker)
Asha runs the FintechPays Standards Desk, independent of editorial. She re-verifies every commission rate, cookie window, payment-net term, and regulator citation against primary sources before a program review ships, and she signs the fact-check line on every page. She does not author recommendations — separation of editorial and verification is the rule.
CFA · CIPM
Editor
Maren Holst
Senior Editor
Maren leads FintechPays' programs desk, covering prop firms, brokers, and trader-infrastructure affiliate economics. Eight years on the trader-platforms beat — first as a buy-side derivatives analyst, then as the senior reviewer who built two prior comparison sites' scoring rubrics from scratch. She owns EPC v1 and signs every program review before it ships.
CFA · Series 3 (US futures)
Editor
Stephan Kulik
Founder & Editor-in-Chief
Stephan Kulik is the founder and editor-in-chief of FintechPays. He has worked in affiliate marketing since 2015 — starting on the affiliate-network side, moving into fintech in 2016, and then building affiliate programs for fintech projects himself. That first-hand experience of how fintech affiliate programs are actually structured — the commission models, cookie windows, and payout terms FintechPays grades by true-EPC — is what he brings to the masthead. He owns the methodology and editorial standards the programs desk and the independent standards desk work to, and carries final accountability for every ranking the site publishes.
§3 · How we operate
Editorial and commercial operate under independent reporting lines. Programs cannot pay for placement, cannot see their ranking before publication, and cannot request changes pre-publish. Every factor adjustment in the EPC rubric requires a documented editor_note with date + author slug, surfaced on the program's review page.
Programs flagged as defunct or do-not-promote are not removed from public history. They move to /defunct/ with the date marked and the reason cited. This is the editorial moat — we are accountable for what we ranked, including programs that later died or pulled US support.
§4 · Where to challenge us
Found a conflict we missed, a reliability factor that doesn't match your experience, or a regulator citation we got wrong? Write to editorial@fintechpays.com. Corrections publish at /editorial-standards/ with a dated change log.