i’m incredibly bullish on the future of consumer fintech. ai agents will unlock an entirely new genre of apps that help people save/make money. endless ai agent ideas like: > claim money from class action lawsuits > find tax loopholes and deductions > negotiate your medical bills > find cheaper insurance policies 2027 is going to be a massive year for this space.

i remember sitting in my first interview with our CEO @zaidrmn, listening to him explain his grand vision for Flex: he wasn't trying to build another business bank or credit card company. he wanted to build one platform where business owners could manage every aspect of their financial lives. from the moment money enters their business, to how it's held, spent, invested, and eventually paid out to the founder personally. but to actually pull that off, we'd need to build an entire suite of financial products that cover every part of how money flows through a company: > payment processing > business banking > treasury > credit cards > employee cards > stablecoin payments > FX > AP / AR > accounting > working capital > personal credit cards it's been really cool watching all of these pieces comes together to fulfill that vision. we still have a ton left to build, but every new product we ship brings us one step closer to what our CEO described to me in that first interview: one place for business owners to manage everything, from their company's finances all the way down to their personal spending.

my prediction: in the next 2 years, we'll witness the first bank run in US history caused entirely by AI agents. the banking industry has spent decades profiting from human laziness, knowing most people won't bother optimizing where they keep their money. but what happens when millions of agents are working 24/7 to squeeze every possible dollar out of people's finances? imagine a major bank starts offering 4% APY on checking deposits while competitors pay next to nothing. millions of agents recognize the opportunity and begin moving customer deposits to capture the better returns. within hours, billions could flow out of competing banks, triggering the first bank run driven by financial optimization rather than fear. as a result, i think 2 major things will unfold: 1) banking margins will compress significantly. banks will be forced to compete far more aggressively on deposit yields. the days of paying customers next to nothing while earning significantly higher returns on their deposits will come to an end. the same dynamic will extend across other financial products, from card rewards and cashback rates to lending rates and loan terms. as agents make switching providers effortless, banks will have to pass more of their economics back to users or risk losing their business. 2) banking relationships will become increasingly commoditized. in a world where agents are automatically allocating funds to capture better offers, customer loyalty and switching costs become far less valuable. banks will no longer just compete for human attention, but for the algorithms deciding where trillions of dollars will be allocated. i think most people are severely underestimating how soon this will become a reality. personal AI agents have found massive PMF, and their adoption curve is accelerating rapidly. legacy banks have no idea what's about to hit them.

We had a great time hosting a Brand Building Dinner in Miami! 🌴 An evening of incredible entrepreneurs sharing what it takes to build a great brand, earn trust, and stand out in today's market. Proud to power the next generation of ambitious founders.

figured it's time for a proper intro. i'm Andres. 7 years in crypto, the last 4 at @moonpay, where i'm executive director of partnerships and lead gtm for MoonPay Commerce studied mathematics. i've lived and breathed Product Hunt since 2015 and try at least 2 new products every day. went skiing with my 68 year old dad. he's fine. i tore my ACL on a blue run. will still beat @noahpompan at pushups any day. things i'm addicted to: > neobanks > stablecoins > the revolution coming with self custodial wallets > UI/UX > demos and storytelling (perfectionist about both) > conspiracy theories told by my friend Diego i'm also releasing a series of tools on friday on neobanks and how to build them called programmable money. best part of working at MoonPay? meeting the craziest founders you can imagine. 99% of the time it's before they have revenue or users. when you build a neobank app and get ready to go live, one of the most important pieces is money in, money out. so i get to meet founders at the very beginning before a website, app, or a registered company. that's why i love this job, and why every sunday I’m fired up for monday. it could be the day i meet the next @HunterQThompson or @defyneric always down to chat stablecoins, neobanks, money flows, remittances and acl reconstruction. peace.

One of the reasons that makes @FlexSuperApp a unique company is having a CEO like @zaidrmn , who's still in the trenches, closing deals. When checking in, he'll mention how he just closed a deal with an unfathomable amount of zeros and then proceed with asking me, "How's your day going?"

one of the biggest opportunities in consumer fintech right now is building AI agents that help people make or save money. AI can finally handle complex financial tasks on behalf of consumers, unlocking an entirely new category of apps that would've been impossible to build just a few years ago. one example is an AI agent that negotiates your medical bills: you upload a hospital bill, and the AI reviews every charge against your insurance coverage and hospital pricing data to identify billing errors and potential overcharges. the agent then contacts hospitals and insurers on your behalf, disputes incorrect charges, negotiates lower payments, and follows up through email and phone until the case is resolved. the same concept can be applied to dozens of other financial workflows: > negotiates your rent > optimizes credit card rewards > applies for eligible government benefits > finds cheaper insurance policies > cancels forgotten subscriptions > negotiates lower interest rates the business model is simple: free upfront, with the app taking a % of the money it successfully saves or earns you. 2027 is going to bring upon an entire new era of ai powered consumer fintech apps, where people pay for outcomes rather than access to software.

Every VC-backed tech company is hiring a Head of Content right now. If you’re someone who is: > chronically online > understands how to engineer virality > can build distribution without spending millions on ads You have a skill set that companies are willing to pay $50k+ a month for.

every VC-backed tech company wants to hire A players. the problem is that the best people in tech are also some of THE most sought-after talent in the world. they either have companies throwing insane amounts of money at them to join, or they're already making more money building their own businesses than they would working for yours. so how do you actually convince exceptional people to come work for you? the traditional strategy was to recruit people with polished resumes who held senior positions at some of the biggest companies in the world. but working at a successful company doesn't necessarily mean you contributed much to its success. people often get credited for building companies they actually played a relatively small role in growing. instead of chasing impressive job titles and big names on a resume, i'd rather recruit people who are extremely high agency, young, hungry, and care more about their learning curve than their income trajectory. i call this the hiring "mini future CEOs" strategy. find people who: 1) treat your company like it's their own 2) take initiative without needing someone to tell them what to do 2) have the capability to build and run their own mini business within your organization i'll use myself as an example. over the last 6 months, i've generated 20M+ views through X and built a strong understanding of marketing and distribution. but when i first joined Flex, i had barely 2K followers and nowhere near the experience i have today. what made the difference was being given the freedom to experiment, make mistakes, and take ownership of things that someone my age would rarely get the opportunity to work on. and i think more founders should approach recruiting this way: there are a LOT of incredibly smart, ambitious young people who would gladly take a lower salary for the opportunity to work directly with exceptional founders, take real ownership, and learn how to build a company from the inside. instead of competing with hundreds of companies to recruit someone who's already A+ talent, find someone with A+ potential who just hasn't had the experience or opportunity to prove themselves yet. give them the right mentorship, guidance, and freedom to build, and you will end up with someone who's not only exceptional at their job, but far more loyal to your company than someone you had to outbid everyone else to hire.

there are a LOT of incredibly smart/hardworking people who attempt to start their own companies but struggle to build anything successful. what separates a talented individual from someone capable of building a billion-dollar company often comes down to one critical skill: the ability to recruit exceptional people who are smarter than you in their respective domains and convince them that working under your leadership is better than any other opportunity they have. the reality is that A-tier talent is constantly being recruited. the best marketers, engineers at top AI labs, and execs at successful startups have companies throwing insane amounts of money at them to join. convincing someone like that to leave their current position and bet years of their career on your vision requires a LOT more than offering a bigger paycheck. it takes an insane amount of persuasion, conviction, and people skills to get someone to believe in a future you're selling them. you can be the smartest person in the room, but if you can't convince other exceptional people to join you, building a billion-dollar company becomes nearly impossible.

every VC-backed tech company wants to hire a Head of Content right now. the problem is that the best people in this space are incredibly difficult to hire, especially when many of them can earn significantly more money building their own businesses than working for yours. so how do you actually convince someone like that to join your company? i'll use myself as an example: i receive 5+ job offers every week with some insane compensation packages, but my decision to stay at Flex goes WAY beyond money. being able to learn directly from our CEO, our exec team, and some of the smartest builders in fintech gives me 3 things that are incredibly difficult to put a price on: 1) knowledge from people who have already built what i aspire to build 2) access to people and relationships that would otherwise take years to develop 3) a front row seat to what it actually takes to build and scale a $1.2B fintech the value of these experiences will compound into something worth far more than whatever additional salary i could be making elsewhere. and that's what most founders get wrong about hiring A-tier talent. when every startup is willing to throw money at exceptional people, compensation alone isn't enough to convince them to join. if you want to attract exceptional talent, you have to offer them something a bigger paycheck can't buy: your time, your knowledge, your network, and the opportunity to learn directly from people who have already built what they aspire to achieve.

Head of Content is the most valuable hire for VC-backed tech companies right now. I’m getting 10+ DMs a day from startups asking me to lead their growth. Having one employee generate millions of organic views > spending millions on paid ads. Distribution is everything.

We hit $100M in ARR as fast as some of the biggest names in fintech, including PayPal, Ramp and Brex. now processing over $20B in annualized TPV across credit cards, banking, working capital, and much more. the ambition is to build THE global private bank for UHNWIs, bringing business banking, personal finances and wealth management together under one roof. 2027 is going to be a massive year.

one of the biggest disadvantages neobanks have compared to traditional banks is that they can’t easily generate revenue from customer deposits. traditional banks have the ability to monetize deposits and earn 2-3% annually on their AUM. most neobanks don’t have that same luxury unless they go through the complexity of launching their own stablecoin. my good friend @mannyornothing built @blend_money to give neobanks a much easier way to monetize customer balances. Blend allocates idle balances to t-bills, money market funds, DeFi yield and other interest-generating assets, while the user still gets one normal spendable account on the front end. if the user wants to spend on a card, send a payment, or make a withdrawl, Blend instantly pulls liquidity back so the balance stays fully usable at all times. the user gets the same checking account experience, except the idle balance is now a revenue generator for the neobank. if you have $100M sitting across customer balances and can generate even a 2% spread on that capital, that’s $2M in additional annual revenue without changing the core customer experience. if you’re building a neobank, treasury product or earn account, highly recommend speaking with @mannyornothing / @criptolawyer.

the best decision i’ve made in my life was starting to post consistently on X. in the last 8 months i’ve posted 1,780 times, generated 16.6M impressions and grown to 10k+ followers. posting has led to career growth, friendships, conversations with founders i never thought i’d meet and relationships with some of the smartest people in fintech, ai and banking. my whole thesis with content is simple: people are on social media to either be educated or entertained. i choose to educate. i’d much rather have 10,000 CEOs and founders follow me because they genuinely get value from what i share than have 100,000 random followers who don’t care about anything i say. everything in life is a people game. your network truly is your net worth, and the internet gives you the ability to build both at a scale that was never possible before. if you have something valuable to say, start posting. there is almost no downside and an insane amount of upside. if you ever need help growing your brand or figuring out what content to post, feel free to reach out. always happy to share my secret sauce :)

i strongly don’t subscribe to the idea that personal ai agents will monetize through ads. the entire value of a personal agent comes from the user trusting that it is acting in their best interest. that trust starts to break the second recommendations are influenced by whichever advertiser pays the most for placement. a much more likely model is that agents monetize through the transactions they drive. i predict that eventually a massive commerce network gets built that aggregates merchants and funnels agentic spend through one layer. that network negotiates discounted pricing and merchant-funded rewards, then distributes those economics back to the agents driving the transaction. consumers get better deals and agents get paid without needing to charge users a monthly subscription. we already see versions of this model today: card networks like Visa created an economic layer where banks earn revenue every time a consumer makes a purchase and a transaction flows through their network (known as interchange). a similar layer will eventually be built specifically for agentic commerce. if personal agents end up influencing trillions of dollars in consumer spend, the company that becomes the default transaction network will become insanely valuable. every agent plugs into it, merchants compete for access to demand, and the network that sit in the middle takes a cut of the economics.