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@sytaylor Businesses that deal with physical things compound over time, but don’t have vertical growth and hyped valuations. It will happen for sure, it will just take more time.

@sytaylor The fintech applying for a bank charter isn't a pivot, it's an admission. You can't hit a trillion without the deposit base, and the deposit base requires a license.

@sytaylor Was the Ant Financial exclusion in this one intentional? Also (famous last words) - financial services won’t be a trillion dollar business because it requires global scale and payments ans financial services is local not global.

@sytaylor $TIBBIR Capital 🐸

@sytaylor finance is enormous, but trust slows compounding. the trillion dollar fintech probably needs distribution, regulatory patience, and a balance sheet story.

@sytaylor Warren and Charlie would like a word

@sytaylor “I talk a lot of crap about strategy shops, but credit where it’s due on this one.” 😅

@sytaylor "Monzo’s troubles are its own".......what troubles? It generated ~$2.2bn in revenue last year; it's multi-year profitable; it's adding millions of customers every year; it's a chartered bank in the UK and EU. What am I missing? monzo.com/annual-report/2026

All four of those are human-first products with AI bolted on. Stripe, Robinhood, Revolut, Ramp built for people, retrofitting agents in now. The company that actually gets there might not be retrofitting anything. Built assuming the agent is the user from day one, not the human. That's a different company than any of the four you named.

The sharpest line here is AI building the lock-in fintech could never ship its way to. Worth adding where that lock-in gets deepest: the ledger. When AI posts entries with evidence attached — matched invoice, approved PO, reconciled line — switching doesn't just mean migrating data. It means re-proving your books. Features can be copied. A provable audit trail is the moat that compounds.

@sytaylor Very thoughtful post. Big tech grew by taking more of our attention. AI could help fintech do the same with more products and reasons to check in. We chose a different path with Silo, grow because customers own more, not transact more.

@sytaylor Good read! Fintech's growth isn't just about replacing incumbents. It's about building infrastructure that's more flexible and developer-friendly. Payments are a great example of that shift.

@sytaylor Great news for onchain yield investors today apparently

You can read the full piece and subscribe here: Fintechbrainfood.com