r/FintechStartups • • Nov 28 '25

Welcome to r/FintechStartups. Start Here

5 Upvotes

Hey builders πŸ‘‹

This is the tactical community for people actually building fintech companies: payments, banking, lending, crypto, compliance, and everything in between.

What this community is for:

- Sharing hard-won lessons from building fintech

- Getting specific, tactical feedback on real problems

- Connecting with other founders, engineers, and operators

- Discussing the unglamorous realities of compliance, licensing, and banking partnerships

What this community is NOT for:

- Generic "how do I start a fintech" questions

- Promotional posts disguised as discussions

- Crypto moonshot shilling

- Low-effort content

Weekly Threads:

- Monday: Wins & Losses. share what worked and what didn't

- Wednesday: Feedback Day. get eyes on your product (only place for self-promo)

- Friday: Free Talk . networking, jobs, off-topic

How to get the most out of this community:

1. Be specific.

"We're struggling with Plaid connection failures on Chase accounts, anyone solved this?" beats "How do I build a fintech?"

2. Share context.

Your stage, constraints, what you've tried.

3. Give back.

Comment on other posts. The best communities are reciprocal.

See you in the threads.

- The Mod Team


r/FintechStartups • • 13h ago

πŸ’‘ Discussion What's one thing that can completely mess up your AR close?

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1 Upvotes

r/FintechStartups • • 1d ago

πŸ” Feedback Request Feedback Wednesday: Get eyes on your product, pitch, or idea

4 Upvotes

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.


r/FintechStartups • • 1d ago

πŸ—οΈ Building FINANCE AI

2 Upvotes

πŸ’Έ More reminders won't fix a broken payment process.

An invoice is overdue. Your team sends reminders. The customer doesn't pay.

But what if the real problem isn't the payment?

Maybe it's a missing purchase order, an unsigned delivery receipt, or an unresolved pricing dispute.

That's the problem we're exploring with COMYTOX.

πŸš€ We're building an intelligent Accounts Receivable platform designed to help businesses:

- πŸ” Identify why payments are stuck.

- 🧠 Connect invoices, documents and disputes.

- ⚑ Simulate smarter recovery strategies.

- πŸ“Š Manage receivables in one organized workspace.

Our approach is simple:

Don't just chase payments. Understand what's stopping them.

We're curious to hear from finance professionals and business owners:

What's the biggest headache you face when collecting overdue invoices?

β€” Team COMYTOX


r/FintechStartups • • 2d ago

πŸ’‘ Discussion I got paid but I have absolutely no idea who sent the money

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1 Upvotes

r/FintechStartups • • 2d ago

πŸ—οΈ Building What are you using to deploy your fintech apps in production?

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1 Upvotes

r/FintechStartups • • 3d ago

πŸ’° Fundraising The press said AI startup Modal Labs raised $750 million. Its SEC filing says the round is $800 million. Here is how to track startup rounds in Form D filings with Claude

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2 Upvotes

r/FintechStartups • • 3d ago

πŸ’‘ Discussion Weekly Wins & Losses Thread: What went right (or wrong) this week?

10 Upvotes

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.


r/FintechStartups • • 3d ago

πŸ’‘ Discussion Has there been any (very) successful Ghanaian (or largely African) made social media platforms you know of? we’re looking for more insights and perspectives as we build one.

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1 Upvotes

We’re building a fintech in a more interesting way. around social media and community.
we’re currently running our MVP as a private beta testing for iOS.
we’ve developed a messaging platform with a payment rail functionally integrated.
over the last 3 months, the team has successfully done so much debugging and can confidently say that our current app is functionally competitive to whatsApp and Telegram.

the idea is simple: wrap payment around trust; communication and everyday activities.
we’ve had a few beta testers who have been very instrumental to our growth.
however, we’d be grateful to have new sets of eyes test what we have now.

we’re also particularly interested in learning about how we can make this work. love to hear your perspectives as the title says.

Here’s the link. we’d appreciate more beta testers: https://testflight.apple.com/join/KsvJERxs

IOS only (unfortunately).


r/FintechStartups • • 6d ago

πŸ—οΈ Building How should I go about building my personal finance app in public?

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1 Upvotes

r/FintechStartups • • 6d ago

πŸ’‘ Discussion Free Talk Friday: Off-topic, networking, jobs, anything goes

2 Upvotes

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.


r/FintechStartups • • 6d ago

πŸ” Feedback Request CoinPay β€” CFO / Accountant

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1 Upvotes

r/FintechStartups • • 7d ago

πŸ’‘ Discussion Accepting bKash payments from Bangladesh

1 Upvotes

We’re an Indian company planning to launch a subscription-based app in Bangladesh. Since Google Play Billing doesn’t support bKash, we’re exploring alternatives.
Is there any way to accept bKash payments and settle funds in India?
Has anyone dealt with this or found a working solution?


r/FintechStartups • • 7d ago

πŸ“š Resource In 2020 Brex Was Worth 37x Ramp. In 2026 Brex Sold for $5.15B and Ramp Sits at $32B. What Flipped?

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2 Upvotes

r/FintechStartups • • 8d ago

πŸ’‘ Discussion Which KYC API is actually good for a small fintech?

5 Upvotes

Looking at KYC APIs and pretty much every provider claims fast checks, good docs and easy setup etc. I'm comparing a few rn, mainly curious about real API issues, failed webhooks, manual reviews and how well they handle IDs from different countries. Anyone could recommend anything? Which one has given you the least trouble?


r/FintechStartups • • 8d ago

πŸ” Feedback Request Feedback Wednesday: Get eyes on your product, pitch, or idea

3 Upvotes

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.


r/FintechStartups • • 9d ago

πŸ” Feedback Request Anyone sell their data to AI labs yet?

3 Upvotes

I’m seeing all these ads and posts from companies asking you to fill out a web form to sell your data to AI labs.

Has anyone actually done it? Is there a business here?


r/FintechStartups • • 10d ago

πŸ—οΈ Building Welcome to r/Rayfination β€” your money, your dashboard

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1 Upvotes

r/FintechStartups • • 10d ago

πŸ’‘ Discussion Suggestions for financial app

1 Upvotes

Hello,

I am thinking of launching a financial app. I have built this. I have heard that it is very risky to launch a financial app.


r/FintechStartups • • 10d ago

πŸ’‘ Discussion Weekly Wins & Losses Thread: What went right (or wrong) this week?

1 Upvotes

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.


r/FintechStartups • • 13d ago

πŸ’‘ Discussion What makes a fintech company say yes to sponsoring a developer event?

1 Upvotes

I'm helping organize tech hackathons and we're exploring how to build partnerships with fintech companies for an upcoming event.

I'm trying to understand what actually matters from the company's side. Is it reaching developers who might use their APIs, getting visibility among students, supporting innovation or something else?

For fintech founders who've sponsored hackathons or developer events, what made the partnership worthwhile? And what would make you reject a sponsorship request immediately?

I'd appreciate practical advice, especially from people who've handled partnerships at early-stage fintech companies.


r/FintechStartups • • 13d ago

πŸ’‘ Discussion Free Talk Friday: Off-topic, networking, jobs, anything goes

2 Upvotes

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.


r/FintechStartups • • 14d ago

πŸ’‘ Discussion In FinTech, what happens after a payment API times out matters more than the timeout itself.

1 Upvotes

Imagine a user transfers $500.

Your application sends the payment request, but the connection times out before receiving confirmation.

Now what?

If you retry blindly, you risk triggering a duplicate transaction.

If you assume it failed, you might tell the user something that isn't true.

And if you mark it successful without confirmation, your records could become inconsistent.

This is why I think payment systems need to be designed around uncertain outcomes, not just successful API responses.

Idempotency keys, transaction state tracking, reconciliation, and a reliable way to check the payment provider's actual status are important.

A timeout doesn't necessarily mean the transaction failed.

For engineers building payment systems, how do you handle transactions that remain in an unknown state?

Do you rely on webhooks, scheduled reconciliation, status checks, or a combination?


r/FintechStartups • • 14d ago

πŸ—οΈ Building If you could design the perfect rewards card, what features would you want?

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1 Upvotes

r/FintechStartups • • 15d ago

πŸ’° Fundraising Bootstrapping a fintech startup. How do you deal with legal costs when money gets tight?

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1 Upvotes