Fintechs Must Pay - Issue #551 Tuesday, July 15th 2025 12:00AM
The Focus
The idea that access fuels innovation has powered fintech’s rise for over a decade.
But what happens when access starts to carry a price tag — not just in code or compute cycles, but in real money, billed monthly, with variable rates?
That’s not a hypothetical anymore. From financial data pipelines to AI tokens, what was once assumed to be open and abundant is becoming gated and priced — and the industry is entering a new phase where infrastructure is no longer invisible.
This isn’t a crisis, and it’s not a moral shift. It’s a structural one.
Fintech founders are now being asked to answer questions that never made it into the first pitch deck:
- Who owns the pipes?
- Who sets the rates?
- Who absorbs the volatility?
As new costs emerge from providers once treated as passive enablers, business models will need to adapt. And the answers won’t come from ideology — they’ll come from hard design decisions, made in real time, under real pressure.
Read more:
The Cost of Access: How Data Is Becoming Fintech’s Most Expensive Asset - FTW Sunday Editorial
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