Fintech for vibe coders — thriving niche or oversaturated dead end?

Summary

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 tr

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