On September 30, 2025, Foundation Capital hosted the inaugural Fintech AI Build Demo Day at its San Francisco headquarters. The event was a significant milestone for the firm’s accelerator program, which seeks to support emerging founders shaping the future of financial technology (fintech) and artificial intelligence (AI).
The day brought together eleven early-stage startups, each offering unique solutions aimed at transforming various aspects of the financial services industry. These startups leveraged AI to tackle some of the most pressing challenges in finance, from improving credit scoring to streamlining tax automation. As the day unfolded, it was clear that these founders were not just pitching products—they were presenting visionary ideas with the potential to redefine how we interact with money and financial systems.
The Spotlight on AI-Driven Innovations in Finance
The event showcased a wide array of AI-driven innovations, each contributing to different sectors within finance. Among the standout companies was Bon Credit AI, led by Samder Khangarot and Darwin Tu. Their mission is to transform the $18 trillion U.S. consumer credit market by using AI-powered tools to help consumers better manage their credit and financial health. By bringing transparency to lending and offering a more equitable approach to credit, Bon Credit AI is poised to disrupt traditional credit systems. The company recently secured its first line of investment funding, signaling a promising future as it continues to scale.
Another noteworthy company was Cotax AI, co-founded by Iris Tu and Xu Ha. This AI assistant helps accounting firms streamline tax workflows, allowing professionals to delegate complex tasks and focus on higher-value activities. The potential of Cotax AI is vast, as the company taps into the $50 billion global accounting industry, simplifying tasks for firms across the world.
Other companies, such as Brevard, Clarity, Nummo, and Lira AI, presented innovative solutions aimed at modernizing asset-based finance, research platforms, financial modeling, and advisor support. Each company has a clear vision for the future of finance, supported by AI technologies that enhance efficiency, reduce overhead, and empower professionals to make smarter, faster decisions.
Connecting Startup Innovation with Education and Branding
As an invited guest at the event, Victor M had the opportunity to see how these startups are not only innovating but also strategically positioning their brands for success. “What I found truly inspiring about these companies is how they are shaping the future of finance, not just through their technology, but through their clear sense of purpose,” said Victor M.
At XPNLive, where Victor Migalchan is actively involved, the focus has always been on connecting innovation with education, particularly for younger audiences. With educational shows like “Life Academy” and “Annie and Axie”, XPNLive is making strides in helping kids and teens understand the importance of financial literacy and critical thinking. By incorporating real-world examples of startups like Bon Credit AI and Cotax AI into programming, Victor M sees a unique opportunity to bridge the gap between cutting-edge fintech developments and the younger generation’s educational journey.
“Just as Bon Credit AI is focused on making financial systems more accessible to underserved communities, we are committed to making these concepts accessible to kids and teens,” Victor M continued. “By weaving these fintech innovations into our educational shows, we help children understand the evolving landscape of finance while encouraging them to think creatively about how they can contribute to the world in the future.”
This synergy between fintech innovation and educational programming offers a powerful platform for inspiring the next generation of entrepreneurs and problem-solvers.
Looking Ahead: The Future of Fintech and AI
The Fintech AI Build Demo Day wasn’t just a showcase of today’s innovations, but a glimpse into the future of finance and AI. The participating startups represent the next wave of leaders who will drive the fintech industry forward, blending technology, strategy, and creativity to solve complex problems.
For these founders, Demo Day marked the culmination of weeks of mentorship, guidance, and collaboration. But it’s clear that for them, the journey is just beginning. The support of investors, advisors, and mentors will be key as these companies continue to grow and scale. As they prepare to bring their products to a larger audience, it’s evident that they are not only focused on creating value in the financial industry but also on making a positive impact on society.
With the continued development of AI and its integration into fintech, the possibilities are endless. Whether it’s improving access to credit or simplifying tax preparation, these startups are creating tools that will change the way we manage our financial lives. For now, all eyes are on these rising fintech stars as they make their mark on the future of finance.
About Fintech AI Build
Launched in 2025, Fintech AI Build is Foundation Capital’s accelerator program dedicated to supporting early-stage fintech founders building with artificial intelligence. The program provides mentorship, capital, and strategic resources, culminating in Demo Day presentations to top investors and industry leaders.
About Foundation Capital
Founded in 1995, Foundation Capital is a venture capital firm with more than $3 billion under management. The firm has invested in over 400 companies across fintech, enterprise, and consumer sectors, including Netflix, Sunrun, and LendingClub. With a focus on long-term growth, Foundation Capital partners with entrepreneurs to help build transformative companies that can reshape industries.
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