Fintech 3.0 is the
infrastructure era of money.
Essays, signals, and playbooks for founders, engineers, and operators building with stablecoins, AI agents, ledgers, embedded finance, and programmable compliance.
§ 01 — Manifesto
From apps to infrastructure.
Fintech 1.0 digitized banks. Fintech 2.0 built apps, APIs, and neobanks. Fintech 3.0 turns money into programmable infrastructure: wallets, ledgers, stablecoins, AI agents, tokenized assets, and compliance embedded into product design.
Era
1.0
Digitize
1995–2010
Era
2.0
Distribute
2010–2024
Era
3.0
Program
2024 — ∞
§ 02 — Index
The Essays
First essays are being reviewed.
§ 03 — Live
Market Signals
Real Fintech3dot0 signals will appear here after editorial approval.
§ 04 — Community
Join the Fintech3dot0 Builders Community.
A WhatsApp community for founders, engineers, operators, and investors studying the next financial infrastructure wave.
// COMMUNITY STATS
- Members…
- Countries…
- Founders…
- Engineers…
Inside
- 01Weekly fintech signals
- 02Founder notes
- 03Architecture breakdowns
- 04Stablecoin and AI discussions
- 05Brazil and LATAM insights
- 06Early access to workshops and courses
§ 06 — Colophon
About.
Created by Fernando Cruz, a fintech builder and software engineer with 18+ years of experience building mobile products, fintech systems, risk platforms, and financial infrastructure.
Full colophon →