What makes Money20/20 special isn’t the panels or the parties. It’s the chance to sit with founders and investors and trade ideas. We’re heading to Vegas with a short list of questions we can’t wait to debate, from agentic commerce to embedded fintech. If you’re building in these areas, let’s connect.

We’ll be digging into this all week. On Monday morning, we’re hosting our kickoff breakfast with Customers Bank, our favorite way to meet founders, investors, and friends before the conference whirlwind. All week, we’ll be at our cabana, open for 1:1s or casual hangs if you want a quieter place to compare notes.

Here’s what we’re focused on.

How do brands and enterprises win in agentic commerce?

ChatGPT and Stripe just teamed up to power in-chat “instant checkout” for Etsy and soon Shopify. They even open-sourced it as an agentic commerce protocol. It’s a big deal and a weirdly exciting one.

A few things we can’t stop thinking about:

• Your product data needs to be AI-ready. As discovery gets hyper-specific, clean data is everything. If finding a six-foot-but-not-six-foot-eight green couch with a left-side chaise is this painful (speaking from experience), imagine sourcing parts for a skyscraper. Complexity means opportunity — and defensibility.
• Pricing’s about to get weird. Compute isn’t a flat cost like software seats. As LLMs start “shopping,” margins could vanish fast. Agentic B2B commerce might be the next big AI revenue stream — but only for the teams who figure out smarter pricing and risk controls before things get messy.

We’ll be hunting for those teams (and better couches) in Vegas.

How do we reimagine financial services with AI at the core?

We’ve been watching AI steadily move deeper into financial services, particularly in tax, accounting, FP&A, M&A advisory, and investing. We shared a deeper dive here.

The way we see it, reimagining financial services starts with a blank slate. Break down the work at the atomic level, like filing an income tax return, and determine which tasks are best suited for AI and which require a human touch. From there, build a new team model around those allocations.

The most compelling founders we meet are using this lens to rethink who does what, how much output a professional can realistically deliver under this model compared to legacy approaches, and what the client experience of the future should feel like. Whether you’re building software or AI-enabled services, this atomic exercise creates the foundation for real disruption.

What’s the role of embedded fintech in vertical AI?

Vertical AI is starting to look a lot like the next vSaaS. Founders are building AI-powered platforms for accounting, insurance, e-commerce, and more. The problem? Selling vertical software is still a grind. Long sales cycles, high CAC, slow pilots, low ACVs. Fun stuff.

That is where embedded fintech earns its keep. Plug into platforms that already have users, become part of the workflow, and suddenly you are not fighting for attention — you are powering the experience.

The upside gets bigger as these platforms evolve. A workflow tool turns into a marketplace, and the embedded fintech provider becomes the payment rail that runs it. Add agentic products or custom pricing, and fintech becomes the monetization engine that keeps margins healthy.

We saw this play out in the vSaaS wave, but the opportunity feels even bigger now. In vertical AI, the winners will not be features. They will be infrastructure.

What’s next in consumer finance?

Consumers, especially Gen Z, are more focused on personal finance than ever. TikTok is flooded with viral content on investing strategies and money management. Suddenly, everyone is a “Points Guy,” and at least five of my friends have told me this week how confident they are that their five-leg DraftKings parlays are going to hit.

Underneath the humor is a clear shift; people want more control over their money, and they’re willing to experiment, optimize, and share their approaches publicly. These consumer tailwinds are creating exciting opportunities for startups to build tools that make financial well-being engaging, fun, and trustworthy.

Connect with us

Money20/20 has plenty of noise. We’re here for the signal — the people. The founder solving a problem you didn’t know existed (like the couch problem), the investor who makes you rethink your framework. If you know someone we should meet, send them our way.

Monday morning Rise & Shine Breakfast with Customers Bank

Our tradition, held on the Venetian pool deck at Spritz for the third consecutive year. Sunshine, coffee drinks made to order, black coffee on tap, and actual food that doesn’t come in a plastic container. It’s the best way to start the week. RSVP here

Cabana 704, Palazzo side

Private enough for real conversations, with an F&B minimum that conveniently keeps us stocked with bottled water, coffee, and (for reasons our team claims they can’t explain) desserts ordered every day at 11 am. Schedule a hang: Reach out to Tarun at [email protected] or Will at [email protected], or grab us on LinkedIn.

See you in Vegas.

This article is for informational purposes only and does not constitute investment advice. Views expressed represent the opinions of Jump Capital. Jump Capital may have investments in or pursue investments in the security technology sectors and companies discussed. References to specific companies do not constitute investment recommendations.