Having integrated LLMs into middleware systems handling financial data, I think the skepticism here is warranted but the direction is right. The real challenge isn't the agents writing code; it is the context window around financial logic, compliance boundaries, and legacy system quirks that live in engineers' heads, not documentation.

What works: starting with isolated internal tools where mistakes are recoverable, not customer-facing payment flows. Agents excel at boilerplate and test generation but need human guardrails for business logic. Affirm's one-week timeline sounds more like executive theater than genuine transformation. The 12-month check will be more telling than the announcement.