You know you’ve found true fintech OGs when your guests were almost roommates before “fintech” was even a buzzword. That’s exactly the case with today’s guests, Sheel Mohnot and Amit Kumar—two longtime friends and collaborators who’ve not only seen the fintech industry evolve over the last decade-plus, but have helped shape it.

In this episode, we dig into their early startup days—FeeFighters, CardSpring, and Twitter M&A tales—plus what it was like building before infrastructure existed, the bets they wish they’d made sooner, and why they believe fintech is still one of the most promising sectors to build in today.

We also get into:

• What Apple Pay did accomplish—and what it still hasn’t replaced
• Why a modern global Venmo still doesn’t exist
• What Sheel looks for in the next 10 years of fintech innovation
• And why Amit advises CS students to do their “master’s degree at Stripe”

Whether you’re a founder, investor, or just love hearing two friends go deep on the evolution of a category they’ve helped pioneer, this episode is packed with insights and reflections.