The Orchestration Moat And Its Allies
Enterprise AI defensibility in financial services doesn’t rest on the power of a single model. As foundation models converge and costs decline, moats are forming higher in the stack—through orchestration that embeds into workflows, proprietary data loops that compound over time, and vertical specialization that encodes regulatory and domain expertise. The winners will be domain-specific platforms that turn services into software and deliver measurable, repeatable outcomes.
Can Money Be Programmed?
This article explores the growing potential of programmable money and the overlooked power of composability in digital assets. As financial services become increasingly modular and programmable, smart contracts and composability are reshaping how payments, treasury operations, and compliance workflows are executed.
Earning The Multiple
Most SaaS business plans assume growth will solve for everything—but ignore the reality that growth decays over time. With Growth Endurance now averaging just 65%, and public markets rewarding EBITDA over hype, operational efficiency is no longer optional. This article explores why companies must optimize early, scale deliberately, and treat discipline as a core driver of enterprise value. In today’s market, it’s not enough to grow—you have to grow well.
The New Stable of Dollars
The next fintech boom may not be built on legacy bank partnerships or complex regulatory workarounds—it could be built directly on stablecoins. By removing cross-border friction, reducing intermediaries, and enabling instant, programmable financial flows, offer a foundation for a new class of fintech startups.
AI Meets The Family Back Office
Despite managing $2.4T in assets, many family offices still rely on manual processes. Tech-enabled services that streamline financial administration, accounting, and reporting offer massive potential, especially when paired with human oversight and trust.
Underwriting discipline, the key to specialty finance
Fintech specialty finance originators (FSFO) need equity investors who balance growth and profitability, focusing on capital efficiency, cash flow, and sustainable unit economics. Disciplined FSFOs can achieve premium valuations, delivering strong, risk-adjusted returns for shareholders over time.
Chasing Hypergrowth? You Might Be Missing the Best Investments
While startup cohorts has kept growing, unicorn rates are declining. Despite rising valuations, hypergrowth expectations outpace actual startup growth (30–60%). With 10,000+ funds competing, capital concentrates in top-tier startups, sidelining solid but slower-growing businesses. To unlock value, investors must support sustainable growth.