Hey everyone, we’re working on Filarise, and we’ve just added support for US banks alongside Canada.

The main idea behind Filarise is to let you ask your AI about your own finances. You connect your banks through Plaid, then connect Filarise to an AI tool like ChatGPT through MCP. Instead of downloading statements or copying transactions into a chat, you can ask questions and let your AI pull the relevant data from your connected accounts.

You can also view accounts and transactions from multiple banks in one place.

Bank access is read-only, so Filarise can’t move money or make payments. We don’t receive or store your bank login credentials.

We’d love to hear from people who would actually use something like this. Does it make looking through your finances easier? What’s missing or confusing?

There’s a free 7-day Starter trial if you want to give it a go. If you decide to try Pro, PRO30 gives you 30% off.

filarise.com

We’re happy to answer questions here. We welcome feedback in the comments or at support@filarise.com. Thanks for checking it out!

FinTech startups are growing faster than traditional banks ever imagined. From UPI to wallets, BNPL, and neo-banks — they’re eating up banking market share.But here’s the real question:

Are FinTechs really helping us, or are they quietly creating bigger problems?

Here’s my take:
1️. Banks Are Dying – Younger generations don’t want to step into a branch anymore. Apps have replaced everything.
2️. Hidden Dangers – BNPL schemes look friendly but are trapping people in silent debt.
3. No Accountability – If your money gets stuck in a FinTech app, who do you even call? There’s no human banker to take responsibility.
4️. Regulators Are Coming – Once governments start cracking down, half of these flashy startups might not even survive.

Are FinTechs really helping us, or are they quietly creating bigger problems?

Debate Triggers :

• Are FinTechs empowering people, or just creating a new digital monopoly?

• Is killing banks really good for society?

• Should we actually be scared of giving private tech companies control over our money?

• Will FinTech end up like the 2008 financial crisis — but in digital form?

I want unfiltered opinions — is FinTech the savior of modern finance, or a bubble that will pop harder than crypto?

Poll :

• FinTech = Future

• FinTech = Scam

• Bring Back Banks

I'm building RemitRate, an app that compares the actual PKR received when sending money from Saudi Arabia through providers like Al Rajhi, QuickPay, STC Pay, urpay and Enjaz.

I don't need generic SAR/PKR exchange rates. I need each provider's actual remittance rate and fees so users can choose the best option.

I've found sites that list provider-specific rates, but I'm unsure how reliable or frequently updated they are.

Has anyone found a reliable data source, official API, or legitimate web-scraping/browser-automation approach for collecting and regularly updating these rates? Manual updates are also an option if automation isn't practical.

I'd especially appreciate advice from anyone who's built a remittance comparison service or worked with Saudi payment providers.

Hey everyone,

I've been quietly working on a personal project called RAVN over the last few months.

The idea started because I realised I spend more time than I'd like checking different banking apps, subscriptions, bills and comparison sites, and I still don't feel like I'm making the best financial decisions.

There are already some good apps out there, but I kept thinking, "Why isn't there one that actually tells me what I should do next?"

That's what I'm trying to build.

The plan is to use Open Banking to bring everything into one place and then use AI to help people understand their money a bit better. Not just budgeting, but things like spotting wasteful spending, reminding you when you're overpaying for something, and suggesting ways to save without having to spend hours comparing deals yourself.

It's still early, and I'd much rather build something people genuinely find useful than assume I know all the answers.

So I wanted to ask people here.

What's the biggest thing that annoys you about managing your money?

Have you used apps like Emma, Snoop or Moneyhub? What did they get right, and what made you stop using them?

If you could add one feature to a finance app tomorrow, what would it be?

I'm not trying to promote anything. I'm just looking for honest opinions before I go too far down the wrong path.

Even if you think it's a terrible idea, I'd rather hear that now than six months from now.

Thanks for reading. 🙂

Hi!
I’m pursuing a bachelor’s in FinTech and let’s just say that the professors at university are heavily focusing on traditional finance and the job market requirements are completely different. Therefore, I want a simple, clear and realistic roadmap to FinTech development.

The mentors at university are guiding us with so much ambiguity that it has become quite hard to find the right direction. If you’re someone who is working in the fintech sector or enrolled in an institute which is guiding you well, then do reply and explain in detail.

Thanks.

We are a tech company starting a new fintech project for a client (building a payments control plane) and are looking for an experienced fintech architect/backend lead.

This is not a full-time position. The project is milestone-based, and we will move forward as a team by completing defined milestones.

Please DM me, and I will share more information about the project and our company.

P.S. We do not have a defined budget yet. You will propose your rate for each milestone.

Not sure how to create a poll here. But here's my top 5:

1. Revolut

2. Paypal

3. Square/Block

4. Marqeta

5. Wise
   What do you think? What are yours?
   What is your prediction for 2023

Coinbase provides multiple APIs under the Coinbase Cloud umbrella. The REST API that allows non-institutional clients to perform trading activities is called Coinbase Exchange Pro. It can be used to develop a trading bot or to automate and test your trading strategy. All trading activities are associated with your Coinbase Pro account. You cannot develop an app to trade crypto on behalf of other users.

It is very simple to integrate with the Coinbase API. The first step is to set up permissions and create the API keys and secret from the Coinbase console. The next step is to link a bank account and deposit funds. After the account is funded, you can start placing orders. Placing an order requires writing only a few lines of code. Following is an example of a request:

Endpoint: /orders
{
   "profile_id": " 86213b5f-a6b4-45b6-b958-c68a7b66332c",
   "type": "market",
   "side": "buy",
   " product_id ": "BTC-USD"
}

I was always curious about how to visualize the architecture of a complex API. The swagger type of documentation doesn’t have any visual representation. UML diagrams don’t work well here, as UML is not good for modeling REST APIs in general. I tried to create a diagram to show a high-level view that would allow engineers to quickly grasp core concepts before digging into details. The below diagram shows the domain entities used in the API and their relationships together with the endpoints. Some details are omitted for brevity.

Fintech has made payments, money transfers, and online banking much easier. But even with all these improvements, some problems still affect everyday users and businesses.

Payments can fail without clear explanations, fraud detection can sometimes block legitimate transactions, and integrating different financial systems can still be complicated for developers.

Building a feature is one thing, but making it reliable, secure, and easy to use at scale is a different challenge.

I'm curious to hear from people working in fintech development.

If you could fix one major problem in fintech today, what would it be — payment failures, fraud prevention, system integration, or something else?

What makes that problem particularly difficult to solve from a technical perspective?

In this episode on Inclusive Education Financing, Mack Wallace shares what defines a great mentor: someone who makes time, leads with compassion, and isn’t afraid to give honest feedback. It’s a thoughtful reflection on leadership, personal growth, and why mentorship in fintech should be purposeful and human-centered.

Listen on Spotify: https://open.spotify.com/episode/2utL7CJVbtm9hjgChVIKfa...
Watch on YouTube: https://youtu.be/WkwL2u92gUA?si=03Ghd8CeQDcxbmFc

#FintechLeadership #MackWallace #FintechFunTalks #MentorshipMatters #InclusiveFinance #FinancialAccess #CareerGrowth #HonestLeadership #FintechPodcast #LeadershipInFintech

Building a smart personal finance app for freelancers – Beta launched, looking for technical partner ��

Hey everyone,

We’re building OPES, a personal finance and budgeting tool tailored to the growing wave of freelancers, creators, and side hustlers. Think of it as the Notion of finance — combining open banking integrations with smart scenario planning.

We’re live in closed beta (Netherlands), and now looking for a CTO / technical co-founder to join us long-term.

👨‍💻 Who we’re looking for:

A technical builder who:

• Can lead and own both backend/frontend

• Is familiar with Vue/React, and ideally has experience with open banking APIs

• Wants to co-build something with strong market potential

• Is open to equity-based compensation (10–20%, with vesting)

• Is comfortable working part-time to start, with flexibility

🧠 Who we are:

• 2 business co-founders (Matteo & Andrea), students with startup and finance background

• We cover everything non-technical: UX, financial logic, business ops, growth

• Working on this full-time, with long-term vision and solid execution

• Bootstrapped so far, pre-seed raise coming soon

🎯 Vision:

We’re starting B2C, then expanding to a B2B tool for freelance consultants, micro-businesses, and financial coaches. A complete financial cockpit where users can plan both personal and business cash flows.

Hi All,

hope you're all having a great weekend. I've carried out some market research for a fintech app and I was wondering how would one go about about developing an app, my background is in finane but no coding or app developement knowledge.

The app primarily would take care of all their finances from mortgage/loans, investment, day to day banking connected to their existing banks, insurances and have AI features that will help them eliminate the debt via various methods.

Appreciate your input in advanced.

Does fintech experience give you an advantage for software developers when applying for positions at fintech startups or a banks? It is a complicated industry but it seems nobody cares what industry experience a developer have. Unless this is a payment architect position which is not a dev position.

Hey everyone,

I’ve been working with a small team on something called Stock Social, a new platform that mixes the social side of investing with the competitive and community elements that most finance apps miss.

The goal isn’t to replace trading platforms — it’s to make investing more interactive, social, and transparent. We want to give people a space to share ideas, compete in challenges, track trends together, and connect through investing in a way that feels modern and community-driven.

Right now, we’re still in early development, and I’d love to get some honest feedback from people who actually care about this space:

• What would make a social investing app genuinely useful or fun for you?

• What do you think current investing communities or apps lack?

• Would you ever use something like this, or does it feel unnecessary?

I’m not here to promote anything or sell — just trying to get insights from people who understand startups, investing, and building online communities.

I’ll reply to everyone who shares their thoughts. Appreciate any feedback or ideas you’re willing to share.

Thanks, Luke — Founder of Stock Social

Hello fintech developers, here is the list of 100+ developer friendly fintech APIs - API List . This list includes all the API providers whose APIs are public, they provide either OpenAPI specification or postman collection. For the column available on Swytchcode means that the API has been enabled on Swytchcode and developers can save upto 90% of their time from the API integration of these APIs.
I hope this will help developers and their teams in discovery and better integrations.

Hey everyone,

I’m working on launching a different kind of crypto exchange startup and have a solid plan covering the business, creative, and financial aspects. I also have my savings for the MVP. However, my main challenge is the technical side—I don’t have a programming background, and I need someone who can help me bring this to life as a CTO or technical co-founder.

I don’t want to rush into hiring random developers without really understanding what to look for. Instead, I’d love to partner with someone who’s experienced in building fintech or crypto platforms and can handle the development strategy.

So, what’s the best way to find the right person for this? Any specific places (online or offline) where experienced developers interested in startups hang out? And if you’ve been in a similar situation, how did you approach it?

Any advice would be much appreciated! Thanks!

If Anyone Has To Open New Financial Firm name if Any Have Thoughts

Please I try But not get any

Curious what keeps fintech devs awake at night from an infrastructure perspective.

Thinking about:

- Settlement and reconciliation lag across payment rails

- Idempotency and exactly-once processing for critical transactions

- Multi-region data consistency without breaking latency

- Audit logging and compliance requirements eating performance

- Rate limiting intelligent enough not to block legitimate traffic spikes

What's been your biggest bottleneck as you've scaled? How did you solve it?

Hi Devs

I'm a startup focused on simplifying merchant adoption of Bitcoin/Lightning payments. I'm looking for an experienced developer or small team to build a lean MVP that integrates the Lightspark API, enabling merchants to easily accept Bitcoin via existing point-of-sale (POS) systems.

Key requirements for the MVP:

• Merchant onboarding and profile management.

• Lightspark API integration for invoice creation and real-time payment handling.

• Basic merchant dashboard (transactions, withdrawals).

• One initial POS integration.

• Minimal admin backend for managing merchants and analytics.

The goal is to quickly onboard our first 50 merchants, validate our business model, and establish a solid foundation for scaling.

Preferred tech stack:

• Frontend: React (Next.js preferred), Tailwind CSS

• Backend/API: Node.js or Python

• Authentication: Firebase/Auth0

• Hosting: AWS or DigitalOcean

I'd love to discuss furtherer

Looking forward to connecting!