Welcome aboard, agent
Your agent can read every file. That doesn’t mean it knows the job. Does making it useful require a forward-deployed engineer or could the product help you teach it the way you’d onboard a new colleague?
Where finance is going
Explore how technology is changing money, banking, and the way businesses work
Fluid systems of action
A spreadsheet lets a team invent its own way of working. A fluid system of action could extend that freedom to the steps agents perform, with less setup when the company changes its routine.
Four cents
Most construction software was built for the build. But a contractor's revenue and margin are decided earlier, at the estimate. That's where we think AI agents can do the most good, and here's what it takes.
The roll-up bank
The next great SMB bank may not be built. It may be bought, one specialist lender at a time, and run on AI without losing what made each one special.
The pace is the price
Nobody can price a task in tokens. Seats break the seller, and usage breaks the buyer. Fix an agent's working pace, and AI labor gets the oldest unit business already understands - an hourly rate.
Signature economy
Anyone can build a finance AI tool now. Almost no one can sign what it produces - and that gap is the whole opportunity.
The P&L was the moat
New rails lower the cost to launch, but AI lowers the cost to operate, and in SMB banking that's the bigger shift. The moat that kept the market closed is breaking, and building a bank is possible again.
Money as code
Stablecoins gave money an API. AI agents are the first corporate-finance users that can finally turn programmable money into operating infrastructure, not just another payment rail.
Banking for vertical agents
The next customer of a bank won't be a company. It will be an agent acting on behalf of one — and serving that customer requires rebuilding the financial stack from the rails up.
The bank with no interface
Nobody wants to live inside a banking app. Finance teams already work in spreadsheets, chat, and AI. The bank of the future is a ledger, a memory layer, and a set of agents — and the interface lives somewhere else entirely.
The next fintech isn't a bank
It'll be an application layer on top of stablecoin rails, built for agents. The bank becomes the blockchain. The regulation becomes the stablecoin. The experience layer on top gets designed for AI from scratch — not bolted on.
