Fintech for vibe coders — thriving niche or oversaturated dead end?
Curious what people are seeing on the ground. Fintech feels like it should be a goldmine for AI-assisted builders — huge compliance/audit surface, tons of manual processes, deep pockets but also feels locked down by regulation, KYC/AML overhead, and incumbents who won't touch anything without a security audit trail.
For those building in this space:
Are you finding real paying customers, or mostly portfolio/demo projects?
Is the barrier technical (banking APIs, compliance tooling) or just trust (nobody wants unvetted AI agents near money)?
Anyone had luck selling into banks/lenders vs. just building consumer fintech tools?
Trying to figure out if this is a market with real appetite right now or one that looks good on paper and dies in procurement. Would love to hear war stories either way.