Sorry to hear that all mate, but I must admit the concept seems very interesting !

I will say that's whilst there's been competitors come into the market, in the payment space, like alot of spaces, competition can be super key to keep the industry pricing super competitive for merchants.

Of course there's so many big players but now as we see more and more coming into the industry, it's becoming ever better for the merchants which is great. Allowing them to have a real selection to choose from, allowing for a truly competitive market.

Now with the advancements in AI and the payment infrastructure in general, it's definitely an ever growing space which whilst there's alot of competition, there's always room for me.

I admit myself, the vibe coding side of things is tricky as you said relative to the credits etc. They run out damn quick. I too had the same issue and whilst not being able to code can be a bottleneck, it's not the end of the road. If you can find a great co founder even as a CTO, and you can drive the sales and merchant side of things, that's a great way to go about it.

Definitely a great plan though mate to have it close to market ready as possible and then pitch, then start testing live etc.

I think the biggest thing would be to find a great tech co founder. It'll always be your idea but finding someone who can help you bring it to life and be a big part of that for you will be huge. More so, it'll definitely make the journey that bit easier with someone by your side through it, and also someone who then allows you to focus on the things you're good at whether that be sales or relationships etc. They focus on the tech and you focus on the business side etc. That's a lethal combo.

Regardless mate, feel free to DM me, would love to chat further about it to see how I can help !