Dan Kimerling is Founder and Managing Partner at Deciens, an early-stage fintech VC and investor in Chipper Cash, Treasury Prime and many others.

Prior to starting Deciens, Dan co-founded Standard Treasury and served as its CEO until its acquisition by Silicon Valley Bank. Standard Treasury was one of the earliest players in what has evolved to become the Banking-as-a-Service space. The company was backed by YCombinator, Andreessen Horowitz, and Index Ventures. After the acquisition, Dan became responsible for API Banking, Open Platform, and Global Research at SVB.

In this conversation, Dan and I discuss the strategy of concentrated bets, why he doesn’t want to see every deal, what’s next in startup funding, value accrual in AI and more.