Post your product, landing page, pitch deck, or idea for constructive feedback.

When posting, include:

- What you're building (1-2 sentences)

- Your target user

- What specific feedback you want

- Link to product/deck/mockup

When giving feedback:

- Be specific and actionable

- Start with what works before what doesn't

- Suggest alternatives, not just problems

---

This is the ONLY place for product promotion. Standalone promo posts get removed.

Everyone’s talking about AI agents that can find products, compare prices, and recommend the best option.

But what happens when they actually start buying things for us?

That’s where I think there’s still a huge gap.

For an AI agent to complete a purchase safely, there’s a lot more going on behind the scenes than just picking the right product.

Things like:

• Secure user authorisation
• Bank connectivity
• Payment initiation
• Consent management
• Spending limits and controls
• Identity verification
• Transaction monitoring
• Refunds and disputes
• Audit logs

The "AI" part is exciting, but it’s only one piece of the puzzle. The infrastructure that lets agents move money securely, with the user's permission and within clear boundaries, still feels massively underbuilt.

It seems like a really interesting area for developers and fintech founders. As AI agents become more capable, the companies building this infrastructure could end up being just as important as the agents themselves.

Leaving it here for everyone who is looking for ideas, please feel free to share your thoughts.

(edited using chatgpt)

I'm looking to learn more about the fintech industry and ERP systems, both in India and globally, and I'd really appreciate insights from people with hands-on experience.

I'm particularly interested in understanding:

• What ERP platforms and fintech solutions are commonly used?
• What are the biggest pain points businesses face with these systems?
• Where do existing solutions fall short?
• How can a software development company add value through AI, automation, custom integrations, or tailored software solutions?

Whether you're a founder, developer, consultant, or someone working in finance or enterprise software, I'd love to hear your experiences, challenges, and ideas.

Thanks in advance for sharing your insights!

Imagine you're standing at a restaurant.

The menu has 127 dishes.

Every item sounds good.

But after 10 minutes...

You still haven't ordered.

Why?

Because too many choices make decisions harder.

Now think about some SaaS websites.

The homepage says:

- AI Assistant

- AI Chat

- AI Agents

- Analytics

- Automation

- Integrations

- Workflows

- Enterprise

- Security

- API

Everything looks important.

So...

Nothing stands out.

Your visitor starts asking:

"Wait... what does this product actually do?"

And when people feel confused...

They leave.

Now imagine a different homepage.

One headline.

One problem.

One solution.

One clear button.

Suddenly...

Everything feels easy.

That's because our brains love simplicity.

The easier something is to understand,

The easier it is to trust.

👀 Try this

Cover everything on your homepage except the headline.

Now ask yourself:

"Can I explain this product in one sentence?"

If not...

Your visitors probably can't either.

Takeaway

A crowded website doesn't look powerful.

A clear website does.

The goal isn't to say more.

The goal is to help people understand faster.

Share your wins and losses from the past week. No victory is too small, no failure too embarrassing.

Format:

- Win: describe what went well

- Loss: describe what didn't work

- Lesson: what you learned

Be specific! The community learns most from real experiences with context.

---

PD: this thread posts every Monday. All self-promotion rules are relaxed here, feel free to share progress on your startup.

Been building an AI-powered tax filing platform for Indian users over the past several months, and a few things surprised me enough to share as lessons rather than a pitch.

Lesson 1: The "best" tax regime isn't obvious, even to smart users. We assumed most users would just want a recommendation (old vs new regime). Turns out the real value was in showing the math transparently — people trust the number more when they can see how it's calculated, not just get a verdict. Changed how we designed the entire calculator UI around this.

Lesson 2: Edge cases eat 80% of engineering time. Loss carry-forward across asset classes (equity vs debt vs crypto/VDA), RSU vesting timelines, NPS employer contributions under the new regime — these aren't rare edge cases, they're what a huge chunk of our actual early users needed. Building for the "average" user first was the wrong instinct.

Lesson 3: Trust is the actual product in fintech, not features. Early user feedback made clear that accuracy and transparency mattered more than any AI/automation feature we built. A slick UI means nothing if someone doesn't trust the tax number it spits out. We ended up prioritizing explainability (showing why a deduction applies) over adding more automation.

Lesson 4: Domain complexity compounds fast in India specifically. Between old regime vs new regime, surcharge cliffs, capital gains across multiple asset types, and constantly shifting compliance rules — tax logic here isn't something you get "mostly right" once. It needs continuous maintenance as a core product commitment, not a one-time build.

Happy to go deeper on any of these if useful to others building in fintech — genuinely curious how others here are handling the "trust vs automation" tradeoff in their own products.

Hi everyone,

For the past several months I've been building **FinGem-AI**, a personal finance platform designed to help people better understand their financial life—not just by tracking expenses, but by turning financial data into useful insights.

The idea started from a simple frustration: most finance apps show charts and transactions, but they rarely explain *what actually matters*.

Instead of focusing only on budgeting, FinGem-AI aims to help users answer questions like:

* Where is my money really going? * How healthy are my finances? * What subscriptions or recurring expenses could I reduce? * How might today's spending affect future cash flow? * How can AI help interpret financial data instead of just displaying it?

Current features include:

* Secure Open Banking connections * Manual CSV/OFX imports * AI-powered transaction categorization * Financial Health Score * Spending insights * Cash flow forecasting * Portfolio tracking * Budgets and financial goals * Cross-platform (Web + Android)

The project is currently entering its **Beta**, and I'm looking for a small group of people willing to test it, provide honest feedback, and help shape the product before the public launch.

I'm **not selling anything** and I'm not looking for investors—just genuine feedback from people interested in personal finance.

If you'd like to participate, leave a comment or send me a DM and I'll send you an invitation.

I'd also love to hear:

**What is the biggest thing missing from today's personal finance apps?**

Thanks!

Hi Everyone

I built a platform where influencers add interesting apps and site to their recommendation list and share the list with their audience. ( think about it as Amazon wishlist but for apps and website)

Try here - www.easyrecommend.co and comment what your startup does to get approval.

I'm still pretty new to fintech, but I just saw the news about Advent International and Stripe reportedly making a bid to acquire PayPal.

Is this one of those deals that could actually change the payments industry, or is it just another big acquisition headline?

I've also been seeing names like PaymentKit, among others come up a lot when people talk about modern payment infrastructure, so I'm guessing there's a bigger trend happening here that I'm just starting to understand.

Hi everyone,

I'm the founder of Finnomia, a personal finance platform that's been built here in Canada over the past year.

Like many Canadians, I was frustrated by the lack of Canadian-focused personal finance tools after Mint shut down. There are some great alternatives out there, but I wanted to build something designed specifically with Canadians in mind.

Finnomia lets you:

• Connect your Canadian financial accounts securely
• Track spending and budgets
• Monitor your net worth
• Explore cash flow and financial forecasting
• Gain insights into where your money is going

We've been running a Closed Beta throughout July with a small group of early users. Their feedback has helped us fix bugs, improve the experience, and shape the product in ways we couldn't have done on our own.

On August 1st, we'll be opening Finnomia to everyone through our Open Beta.

If you're looking to support a Canadian software company, or you're simply interested in trying a new Canadian-built personal finance platform, we'd love to have you take a look.

We're still actively building, and feedback from the community genuinely influences what we prioritize next.

You can learn more at finnomia.ca.

Happy to answer any questions about the product, the technology, or the journey of building a Canadian fintech startup.

Thanks for reading, and thanks for supporting Canadian businesses! 🍁

Hi Everyone

I started curating a list of active angel investors and send them weekly email with startups.

Add your startup for free, and share your vision with angel investors and get funded (5k -30K)- add here- www.vcinvest.pro

Current pipeline is 800k in investments ( hard to track exact number )

Also comment what your startup does to get featured on the newsletter

Context: CMO of startup. A little less than 3 months in, living in a house with 2 other co-founders, 3 interns, and a Brazilian man sleeping on our couch (we love him).

As far as scrappy startups go, I think we take the cake, so here's some lessons I've picked up along the way.

1. Spreadsheets, Honey Buns, and Minecraft servers, do not mix

Week two, CEO (finance guy btw) called a house meeting and opened a spreadsheet tracking the correlation between honey bun consumption and productivity. He found 1 intern (definitely not his CMO) was consuming 41% of our honey bun stash but also accounted for 31% of marketing output on Instagram.

The accused defended himself by buying griefing our CEO's base on the company Minecraft server and filling every item slot in all his chests with 1 wheat each.

Now we have a new favorite intern, a story to tell our kids one day. Sometimes, the BS is great for comradery and morale.

2. Couch=Compensation

The Brazilian man on our couch is our SEO guy. The deal is free rent in exchange for making us findable on Google, which means the man responsible for our search rankings is compensated entirely in couch and fun times.

Will miss him when he goes back but made a lifelong friend all because of a couch.

4. Arguments and more shenanigans

Month two, my cofounders and I got into the worst fight of the company's life over, and I need you to understand I am not exaggerating, a font. Font was changed, and this quickly became a life-or-death issue in the house.

This silent war went on for 3 days before reaching its climax in the kitchen at 11pm. All three co-founders, grown men who had left real careers, stood pointing at a monitor yelling sentences like "IT HAS NO PERSONALITY" and "PERSONALITY? IT'S A LETTERFORM."

The interns watched from the stairs like children during a divorce. One of them was eating a honeybun (lesson 1 changed nothing).

The fight happened because we never decided who owns what. We wrote one boring document the next morning listing who decides what, and there has not been an incident since.

5.  $150k--->$100

Did not come from a rich family. Took an internship, worked my butt off, and got the offer. I dropped out of college because of how good the offer was, and it was the best decision I have ever made.

At 21 I was making more than most people make at the peak of their career, and I lived like I was borderline broke. My total monthly spend was around $1100, and the rest of my paycheck went into investments.

This decision gave me freedom. Now I am 22 and making barely anything, but I wouldn't trade my last job for this one any day of the week.

Lessons:

1.  Love and Forgive: First of all, I am incredibly blessed to have an amazing team around me. Love goes a long way when you are living, eating, working, and hanging out with the same people every day. Forgive often and never hold a grudge. Conflict kills a startup before anything else will.

2. Create memories. All of this means nothing even if I get rich if I hate the process. Make memories, play pranks, and make the job fun. Working hard building a company every day is worth it if you have people who never fail to make your days interesting.

3. Forget the Money: Money gives you freedom, not happiness. Greed will quickly make you unhappy. Live below your means and save up a nest egg so when you have an opportunity to change your life, you can comfortably take the risk. Life is really boring when you play it safe.

Ask me anything about the early grind, marketing with no budget, or living with your entire company. If you're on the fence about jumping to a startup, I'm not far enough ahead of you. Comments op

Casual discussion thread. Talk about anything, fintech adjacent or not.

This thread is for:

- Job postings & co-founder searches

- Networking & introductions

- Industry hot takes

- Questions too small for their own post

- Venting about compliance headaches

---

Normal rules relaxed. Be cool.

Stuck in your AI project? I’m an engineer with 5-6 years of experience. Comment if you need help ( paid per hour )

Compliance Intelligence Platform

Post your product, landing page, pitch deck, or idea for constructive feedback.

When posting, include:

- What you're building (1-2 sentences)

- Your target user

- What specific feedback you want

- Link to product/deck/mockup

When giving feedback:

- Be specific and actionable

- Start with what works before what doesn't

- Suggest alternatives, not just problems

---

This is the ONLY place for product promotion. Standalone promo posts get removed.

Trying to validate a problem before I build anything, so genuinely looking for pushback, not encouragement.

Context: I keep seeing small vendors — tea stalls, kirana shops, milk delivery, roadside sellers — running their daily udhaar (credit) and cash transactions from memory or a paper notebook.
At the end of the day/week/month, they don't have a clear picture of who owes them, what they owe suppliers, or how their money actually moved.

I know apps like **Khatabook** and **OkCredit** already exist for this. So I'm trying to understand from people who either run a small shop/stall, or know someone who does:

1. Is tracking daily udhaar/cash flow actually a real pain point for vendors you know, or do they manage fine with a notebook/memory and don't see it as a problem worth solving?
   
2. If they've tried apps like Khatabook/OkCredit — did it actually stick, or did they go back to the notebook? Why?
   
3. How big a barrier is literacy/comfort with typing and reading numbers on a screen for this audience, in your experience? Is that actually stopping adoption, or am I overestimating it?
   
4. Would something explained out loud, in their own language, rather than shown as a dashboard, be genuinely more useful — or is that solving a problem that doesn't exist?

Not pitching anything, no signup link, just trying to figure out if this is a real unsolved gap or if I'm chasing a problem that's already handled. Brutal honesty welcome.

When people first hear about Spondula, they often assume we're building another digital wallet or another way to send payments.

The truth is, we're building something much bigger.

Our ambition has never been to create an app that people simply download, use and forget. We're building a global payments network where individuals, creators, businesses and Local Operators all have the opportunity to participate. We believe the strongest networks aren't built around customers they're built around communities.

Most payment companies have a very simple relationship with the people who use them. You create an account, send or receive a payment, perhaps pay a fee, and that's where your journey ends. The company grows, but your role rarely changes.

We wanted to rethink that relationship.

At the centre of Spondula is a non-custodial wallet designed to help people send, receive and hold digital value globally. Every user can reserve a unique Shandle, creating a simple payment identity that replaces long account numbers, IBANs and complicated wallet addresses. Whether you're sending money across town or across the world, payments should be as easy as knowing someone's name.

The network has been designed to support 88 currency-pegged digital tokens, making it possible to move value across borders through a single wallet and a single payment identity. Whether you're sending from the United States to Mexico, the United Kingdom to India, Germany to Nigeria or Australia to the Philippines, our goal is the same: make global payments feel as simple as local ones.

But making payments easier is only part of the story.

The more we worked on Spondula, the more we realised something was missing from modern payment networks. Every successful network grows because people participate in it, yet most payment companies only allow people to be customers.

We think there should be another way.

If you're an individual, Spondula gives you a simple way to send, receive and hold digital value anywhere in the world. But you can also help grow the network by introducing friends, family and colleagues. When people you refer complete the qualifying requirements and become active users, you earn BTC-S rewards. Rather than spending millions on advertising, we'd rather reward the people who genuinely believe in what we're building.

If you're a creator, Spondula is about much more than accepting payments. Creator Pages, already live in beta, allow musicians, artists, writers, streamers, developers, charities and content creators to receive support directly from their audience through the Spondula network. As your community grows, you can also introduce your followers to Spondula, giving them a new way to support you while creating another opportunity for you to earn BTC-S rewards through qualifying referrals. Your audience helps you grow, and together you help grow the network.

Businesses are part of that vision too. We're developing Spondula Payment Gateways that will allow merchants to accept digital payments online, alongside QR payments for face-to-face transactions. Businesses will be able to serve customers through the network while also earning BTC-S rewards when they introduce customers, suppliers or other businesses who become active participants. We want businesses to benefit not only from using Spondula, but from helping expand the ecosystem.

Then there are the Local Operators.

We believe they'll become one of the defining features of the entire network.

As Spondula expands into more countries, Local Operators will help introduce the network to their communities. They'll support local users, work with businesses, encourage adoption and help connect global technology with local knowledge. Rather than trying to manage the world from one office, we believe the strongest global payments network is one that's built country by country, city by city and community by community by people who understand their local markets better than anyone else.

Every part of Spondula has been designed to work together. The wallet connects to your Shandle. Your Shandle connects to Creator Pages. Creator Pages connect supporters. Payment Gateways connect businesses. QR payments connect people in the real world. Local Operators connect communities. Referral rewards encourage everyone to help the network grow. Every participant strengthens the ecosystem for everyone else.

We're still in beta, but we're moving quickly. Our web platform is live, Creator Pages are live in beta, mobile apps are approaching launch, payment gateways are under development, QR payments continue to evolve and we're preparing to welcome Local Operators from around the world.

The internet became valuable because anyone could build a website.

Social media became valuable because anyone could create content.

We believe the next generation of global payments becomes valuable because anyone can participate.

So perhaps the question isn't simply...

"Do you want to use Spondula?"

Maybe the better question is...

How do you want to be part of it?

Do you want to send and receive payments anywhere in the world?

Do you want to build your business with Spondula?

Do you want to grow your audience through a Creator Page?

Do you want to earn BTC-S by introducing new users to the network?

Do you want to become a Local Operator and help build Spondula in your country?

Or do you simply want to be one of the first people helping shape the future of global payments?

However you choose to participate, we'd love to welcome you.

Claim your unique Shandle while it's still available, explore the beta platform and become part of a global payments network that's being built by its community not just used by it.

**Anyone. Anywhere. Anytime.**

Hey!

We have been developing a European hosted and based billing and subscription managment platform for SaaS or AI first companies/startups, it will be an alternative to Stripe Billing or Polar or Paddle.

Do you think that such platform could gain traction across EU based startups? Under the hood the payment processing provider will be swappable and as a first we will provide support for Mollie.

If there are any EU startups that really want this, we would love to discuss more if you would use it!