In this episode of FintechTalks, Sanjib Kalita sits down with Marty Ringlein, Co-founder and CEO of Agree.com, to talk about the evolution of digital agreements, the future of embedded finance, and building products that shape behavior at scale.

Marty shares his journey from computer science and design to co-founding multiple startups acquired by Twitter, Eventbrite, and Brex—and now launching Agree.com, a platform that connects e-signature, invoicing, and payments into one seamless flow. He explains how Agree is rethinking the contract-to-cash process, enabling businesses to move faster and smarter by eliminating fragmented workflows.

We also hear why Marty believes everything is fintech, how natural network effects are accelerating Agree’s growth, and why he’s designing for a world where AI, connectivity, and user expectations evolve simultaneously.