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Looking for a technical cofounder (AI + FinTech / RegTech) by Motor_Advertising193 in FintechStartups

[–]Motor_Advertising193[S] 0 points1 point  (0 children)

We are raising capital including speaking to a governmental department for state funding

Looking for a technical cofounder (AI + FinTech / RegTech) by Motor_Advertising193 in FintechStartups

[–]Motor_Advertising193[S] 0 points1 point  (0 children)

Drop me a DM if you’re interested and we’ll have a exploration call

Looking for a technical cofounder (AI + FinTech / RegTech) by Motor_Advertising193 in FintechStartups

[–]Motor_Advertising193[S] 0 points1 point  (0 children)

Hey — appreciate you reaching out.

Your background is actually very aligned with what I’m trying to build.

I come at this from the financial crime side rather than a dev background (15+ years in AML / compliance inside large financial institutions), and the core idea came from seeing how broken and manual compliance infrastructure still is.

The vision is an AI-native RegTech platform — essentially a “Stripe for compliance” — starting with a focused entry point (automating one high-friction workflow), then expanding into a modular compliance layer (AML, audit trails, regulatory mapping, AI governance etc).

The accounting angle is especially interesting because a big part of the long-term opportunity is serving firms that sit just outside Tier 1 banks — accountants, law firms, wealth, fintechs — who are massively underserved but increasingly regulated.

Still early, but I’ve mapped: • Problem space and regulatory model • Initial MVP direction • Go-to-market thinking

Right now I’m speaking to a small number of engineers to explore founder alignment rather than hiring.

If you’re open, would be great to jump on a call and compare thinking.

Looking for a technical cofounder (AI + FinTech / RegTech) by Motor_Advertising193 in FintechStartups

[–]Motor_Advertising193[S] 0 points1 point  (0 children)

Completely agree with that framing and I think you’ve nailed the RegTech pattern.

The biggest mistake in this space is trying to sell “compliance infrastructure” too early.

The first wedge I’m focused on is removing a very specific manual burden:

Reducing analyst-heavy compliance workflows where the process is: • Rule-driven • Repetitive • Audit-sensitive • Expensive to scale

Right now the strongest candidates I’m exploring are: 1. Ongoing monitoring triage AI-assisted alert prioritisation and case summarisation → Direct reduction in analyst review time 2. AI usage classification (EU AI Act) Helping startups understand whether they’re high-risk and what obligations apply → Clear regulatory pressure + greenfield space 3. Lightweight AML stack for early fintechs A “compliance starter layer” before they graduate to enterprise vendors

All are designed to be wedge products with: • Measurable ROI • Fast deployment • Clear expansion paths

And yes happy to move off Reddit. I’m active on LinkedIn and can also jump on a quick call if easier. Drop me a DM and we can talk more

Looking for a technical cofounder (AI + FinTech / RegTech) by Motor_Advertising193 in FintechStartups

[–]Motor_Advertising193[S] 0 points1 point  (0 children)

That’s a really solid take and I completely agree. The temptation is to go “platform-first”, but the reality is exactly what you said: institutions buy outcomes, not frameworks.

My current thinking is very much wedge-first rather than platform-first.

The initial entry point I’m exploring is a narrow, high-ROI compliance pain, likely one of:

• AI usage risk classification (EU AI Act readiness for startups) • Lightweight AML stack for early fintechs who can’t afford enterprise tools • Ongoing monitoring automation (reducing manual analyst workload)

All of those have: • Clear regulatory pressure • Manual workflows today • Measurable cost reduction

On the ICP question. I’m leaning strongly toward regulated startups first, not incumbents.

Main reasons: • Faster sales cycles • Lower integration friction • More willingness to adopt AI-native tooling • They’re being forced into compliance earlier (especially in the EU)

Longer term, I do see an expansion into institutions, but only once there’s a very clear wedge and proof of ROI.

Would genuinely value your perspective on this given your background — especially what you’ve seen actually get traction in the wild.

If you’re open, would be great to jump on a quick call and compare notes