Orion Digital (formerly Mogo) is a Canadian fintech company operating three businesses: a digital wealth platform, a European payments infrastructure business, and a Canadian consumer lending portfolio. The wealth platform, branded Intelligent Investing, is the primary strategic focus and offers two products to Canadian retail investors — automated managed portfolios built around broad-market ETFs, and a commission-free mobile stock trading app (MogoTrade) covering major North American exchanges. Both products are offered under a flat monthly subscription model, meaning Orion Digital earns recurring revenue tied to member count and ARPU rather than trading activity. Wealth AUM stood at roughly $498M as of Q4 2025. The payments business, Carta, provides issuer processing infrastructure — transaction authorization, card program management, and payment routing — to fintechs, banks, and corporations primarily in Europe. Carta is a pure B2B, infrastructure-as-a-service business certified as a Visa and Mastercard processor, operating in over 11 countries and processing roughly $12B in annual transaction volume. The lending business offers unsecured consumer lines of credit up to $5,000 to non-prime Canadian borrowers; management treats it as a cash-generative, run-off business rather than a growth engine. Orion Digital's growth strategy centers on scaling wealth AUM and payments volume while also accumulating Bitcoin on the balance sheet, which management uses as a hurdle rate for capital allocation decisions.