# Fintech: Request for Startups

Qiao Wang

·

Dec 15, 2025

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Over the last couple of decades, we put a digital bank in every pocket. For people who used to go to physical branches, it meant efficiency. For the unbanked, it meant access. This transition was chiefly enabled by the internet and mobile phones.

While it may seem that the low hanging fruit from the digitization of finance has been picked, about half of the world population is still either physical-first or outright unbanked. Furthermore, current technology waves – namely crypto and AI – have the potential to unlock greater value for consumers and businesses.

## Stablecoin/tokenization:

- Purchasing power protection using USD and other high quality assets
- 24/7 and borderless C2C/B2B payment
- Cheaper credit enabled by instant settlement

## AI:

- A personal banker in everyone’s pocket
- Superior credit underwriting using unstructured data
- Agentic backend workflows driving cost-to-serve near zero

We want to fund fintech startups harnessing one or more of these powers of technology.

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