The Hidden Tax: How One FinTech Team Uncovered a Silent Cross-Subsidy in Their Shared AI Inference Budget and Rebuilt Their Cost Pipeline From Scratch

In Q1 2026, the platform engineering team at a mid-market FinTech company we'll call Verdant Financial Technologies made an uncomfortable discovery. Their AI agent infrastructure, which powered everything from automated loan pre-screening to real-time fraud triage, was quietly bleeding margin on their smallest accounts while their largest tenants