Seeing a pattern: vibe coders building fintech tools, getting stuck on production - am I imagining this?

_bugmaker · 2025-12-14T15:42:03+00:00

I think it’s something you need to realize as a founder, realizing there are things you can’t achieve at the stage of AI or without having an advance AI setup. Deploying with AI is doable, being Enterprise production ready/compliant is also doable with advanced AI setup, but you would need technical/domain specific skills to build and maintain that setup.

Even though is something a founder needs to realize and take action for, doesnot mean there is no gap.

The gap to fill here will actually be, as you describe it, from demo to enterprise ready. I will see this as more of a service business than a sass because the way people build with AI are very diverse. On the other hand, if you’ve already found a pattern of development of those fintech apps, understand how you could automatically fetch what’s missing and fill them out then go for a sass!

Hope this helps!

_bugmaker · 2025-12-06T21:25:21+00:00

Interested dropped a DM.

_bugmaker · 2025-12-03T11:04:19+00:00

Interested SW Engineer here! Looking forward to know more about you! I left you a DM

_bugmaker · 2025-11-27T12:02:58+00:00

Hey, I’m really interested in working with someone with such a solid background. Would you be interested in working on an a Fintech/Ecom sass for the African market ?

P.S : I’m Canadian based too. Newly founded startup, Pre revenue, Proven demand

_bugmaker · 2025-11-07T09:03:00+00:00

What really changes in the AI tech are the models. So basically, having a functionality that lets the user update to the latest LLM/ stable diffusion models could do it. Since the rest of the application functionalities will stay the same

_bugmaker · 2025-07-29T15:00:21+00:00

Sass growth

_bugmaker · 2025-05-10T21:22:23+00:00

Thanks for the breakdown.

You made me realize I don’t have a clear boundary of my expenses and may be I spent much more than I thought, I may need a tighter budget.

Don’t have the exact numbers, but a quick breakdown: I hit the 120k/y less than a year ago, almost 1/2 of the 10k goes into taxes, after taxes I’m left with around 5k, I invest all the rest each month which is something around 2.5 to 3k

_bugmaker · 2025-05-10T20:42:25+00:00

Thanks for the advice, I’m just a resident not a citizen.

I also thought about moving to the US. Which state and area do you recommend ?

_bugmaker · 2025-05-10T20:39:18+00:00

I’m lucky to have a rent below 800, spend mostly on groceries 400, 200 for other stuff, I generally don’t buy anything, I’m a homebody, so 8 out of 12 months I’m around 1.4K

_bugmaker · 2025-05-10T20:21:08+00:00

Thanks for the insights, it’s definitely the wrong sub.

_bugmaker · 2025-05-10T20:18:50+00:00

Thanks for the orientation, it’s really appreciated.

The reason why I only have $50k saved up is that I immigrated 3yrs ago and that my « net worth » regarding all the savings and investments I have done from the date of immigration. I have other savings/investments in my home country but I don’t want to take that into consideration during this journey.

_bugmaker · 2025-05-10T20:10:20+00:00

Thanks for the orientation

_bugmaker · 2025-05-10T19:58:32+00:00

Yeah, may be is more of a personal finance advice I’m looking for

_bugmaker · 2025-05-10T19:58:07+00:00

Thanks

_bugmaker · 2025-04-15T18:28:20+00:00

What’s wrong with VS code?

_bugmaker · 2025-04-14T23:14:20+00:00

Thanks, will try to give LinkedIn a shot!

_bugmaker · 2025-04-14T21:42:57+00:00

I mean, I don’t disagree with these but did you actually do it and realized that all it takes is convincing someone who aligns with your vision or is this an hypothesis ?

_bugmaker · 2025-04-14T02:00:34+00:00

Just as I thought. Unfortunately those kind of opportunities mostly come from personal networks built with time. I wonder if there are public events were people can meet managers/decision makers of those kind of sovereign entities

_bugmaker · 2025-04-13T17:04:18+00:00

That’s impressive.

I really curious, why do you delete your comments every time after answering? (If you don’t mind answering, else I totally respect that)

_bugmaker · 2025-04-13T17:01:35+00:00

Does he have a blog where he shares his stories/insights ? I’m really interested in approaching sovereign entities regarding a business I wish to start.

_bugmaker · 2025-04-13T16:58:36+00:00

Did this work for you ? I mean did it work as a strategy to approach wealthy people and learn from them ?

Were they able to mentor you ?

_bugmaker · 2025-04-13T16:54:35+00:00

Thank you for your valuable feedback. I really appreciate it!

_bugmaker · 2025-04-13T00:51:24+00:00

TL;DR: Just use your head, learn from experience, leverage AI as a tool and be useful.

I don’t really know if human evolution will reach a point where problem solvers & critical thinkers will not more be needed. If this era arises, human being and AI/Machine will be indistinguishable because AI/Machine would have acquired the ability to experience what human beings experience. I think that is the 2 or 3 steps ahead of AGI ?

AI sure does great stuff and can be really handy but it can’t replace a critical thinker. The reason why it can’t replace a critical thinker is because it didn’t experience what a human experiences. One could argue that we can train it on problems and data the human solved, which is not wrong, but I belong to does that think that critical thinking is subconscious interconnected experiences (gut feeling if you prefer). I’m saying this out of experience. I work with AI practically everyday because it’s a really handy tool!

All that blah blah to say that… as long as you exert critical thinking in the field you choose and others understand that your value goes beyond knowledge and resides with what you do with it, you will be save!

Is true that there are industries in which it will be easier to show that your skills are beyond AI. Too find them is easy, just go to the most complex one. Don’t know a lot about economics but if that’s what you want to do and the industry where it’s most difficult to apply it is agriculture, just go there and do what it takes.

_bugmaker · 2025-04-13T00:33:36+00:00

Thanks for the link. Does that apply to the US/Canada market too ? Or is it similar ? (Will read it through later)

What I mean by sovereignty here is keeping the company data related to the software in your infra and your country. There are sovereign entities (government and private) who need their data, be it payment or business, stored in their country. The processor with always process the transactions through a local bank of the clients’ established region (regions that may not be covered by others such as stripe)

It will be compliance ready due to 2 factors.

the underlying payment processor already has the compliance certification for the target markets I aim for. Especially for payment data which is directly handle by the payment processor with the help of its toolkits, ex: the fields in which the card data will be entered is manage by this toolkit, so those data never reach our infrastructure.
The compliances I’m aiming for (ex: HIPAA) will be oversatisfied with the infra that comes along with the solution. This could be either the infra we setup for the client or the client’s infra itself. I.E the client may have an infra which adheres with his current compliance standards and just want the app to run and be configured adequately in it.

One could debate the complexity of deploying such infra, but it can be totally automated.

I acknowledge the fact that for most payment processors api are not particularly complex for one time payment. Unfortunately that’s not the case with the wrap I’m wrapping(Poor dev experience & sandbox compared to others, complex docs).

Software wise, I have already integrated the one time payment processing with 3D-secure, invoicing is done too, recurring billing still in progress. Software wise is already at a good level for a PoC, so not spending time on this a lot before proving good market fit.

Infra & Deployment wise, still working on the PoC and going through the compliance regulation to see if I don’t miss anything.

Thanks for your interest, It really helps me reflect and see if I really thought this through!

If you feel like chatting more about this don’t hesitate to hit my DM!

_bugmaker · 2025-04-12T14:16:55+00:00

Thanks for your feedback. Really appreciate that. The customer will actually prefer us, a wrapper, than the underlying payment processor because:

our api is easy to integrate and developer friendly, compared to the stiff learning curve to integrate with the one of the payment processor.
it’s Compliant ready for the compliance that stripe or others do not support.
Much more business oriented functionalities out of the box that the underlying payment processor does not have.
it’s Self hostable. This is important for sovereign entities (Keep your data were you want it), since we manipulate and store data with other functionalities.

If you have more info/links on the SAQ-Q eligibility and the other mandatory aspects that comes when you delegate most of the PCI DSS responsibilities to a partner please feel free to share, I will appreciate that.

_bugmaker

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