Brainfood Founder @sytaylor says fintech is dead, we got the postmortem: "So I'm the fintech guy, and I've been known as the fintech guy for 15, 20 years...Like, am I trying to kill my own career here? What's going on?" "Look, you've probably used Monzo. You've probably heard of Revolut. NuBank is taking over the world." "These things are really big, but cloud and mobile were the last war...they've still got room to run, don't get me wrong." "But as an investment category, as a startup to get excited by, when's the last time you saw like a Monzo lookalike and went, 'Oh, yeah, that's cool?'" "If cloud and mobile were the thing of the last war, what's this war about? I think this war is about stablecoins, tokenization, and personal agents."