u/Vedantagarwal120

Both of these have immense impact on how your personal finances will be shaped in nearer future than you think. I have my own set of opinions on this(from agentic commerce to CBDCs), but I was curious about what and where do y'all think is the future of our money and financial infrastructure is going?

Any interesting stories or unpopular takes?

Last I spoke to a guy at coinbase who was convinced stablecoins are gonna takeover and when I spoke to a CDO at a bank he said crypto and stablecoins will never see indian infra atleast not directly. Thoughts?

And if its not adapting, then how long do you believe it will be that way?

My cloud enthusiast friend(idk how do people actually find it interesting if money isn't at play) couldn't defend herself after I brought this up with her.

Was wondering if people here could do that.

Just 3-4 years ago, the advice was "if you aren't embarrassed by your MVP, you launched too late." You could literally launch a Google Sheet with a Stripe link and get users.

But today? Because solo devs are using Claude/Cursor to pump out incredibly polished, enterprise-looking apps in a weekend, the baseline expectation of users has skyrocketed.

If your MVP looks slightly clunky today, users don't think "oh, they are early stage." They think "this is a scam/cash grab" and bounce immediately.

Has the bar for an MVP gotten too high? 

Every SaaS right now is just slapping a text box over their database and calling it an "AI revolution."
I genuinely thought it will be a short trend and people will grow out of it soon. It's been years now and the entire concept honestly just pisses me off. If you're a PM and are doing something similar to your product please dont.

Am I crazy or missing something? Or is the chatbot UI just a massive crutch for founders product managers who don't know how to design actual agentic workflows?

Basically no slop and emphasis on either some complex science backed powers or atleast some depth to story

Some really good ones I have read so far that I feel qualify for this criteria include xianxia manhuas(minus the slop), ORV, infinite mage, SSS class suicide hunter, fire force and Lord of the mysteries

Any manhwas or manhuas that follows a similar vibe?

I started my own substack page, targetting VCs, founders and consultants with emerging tech strategy, and i took around 3ish months to come up with and write 3-4 sets of articles, detailed and in depth to read.

Sheer willpower aside, what all can I do to justify the effort I put in my articles, when i get barely 3 likes and like around 2 people who'll actually read the whole thing?

Down the line if I do go viral by mistake, Im sure my old effort backed articles will only collect dust, I need some dopamine and validation from yall please help

is anyone else here targeting the yc "saas challengers" rfs?

i feel like i’m stuck in framework purgatory. my goal is to build an ai replacement for standard procurement software, but i’m spending 90% of my time wrestling with agent memory and compliance, and 10% on the actual product features.

looking at the market, the infrastructure gap between an indie dev and a funded company is widening. if i try to pitch an enterprise client, i have to prove my agents won't hallucinate their proprietary data. meanwhile, there are dedicated agent frameworks (like lyzr, microsoft's semantic kernel, etc.) that companies can just buy off the shelf to get compliance, rag, and agents deployed in their own environments.

if the big companies can just use these SDKs to build their own internal agents in a weekend, what is our moat as saas founders?

do we just focus purely on the UI/UX(lame) and niche industry knowledge(lowkey impossible for most)? wondering if i should stop trying to build custom agent orchestration and just use an existing enterprise framework so i can actually focus on the product.

thoughts on the build vs buy for underlying agent infra right now?

is anyone else here targeting the yc "saas challengers" rfs?

i feel like i’m stuck in framework purgatory. my goal is to build an ai replacement for standard procurement software, but i’m spending 90% of my time wrestling with agent memory and compliance, and 10% on the actual product features.

looking at the market, the infrastructure gap between an indie dev and a funded company is widening. if i try to pitch an enterprise client, i have to prove my agents won't hallucinate their proprietary data. meanwhile, there are dedicated agent frameworks (like lyzr, microsoft's semantic kernel, etc.) that companies can just buy off the shelf to get compliance, rag, and agents deployed in their own environments.

if the big companies can just use these SDKs to build their own internal agents in a weekend, what is our moat as saas founders?

do we just focus purely on the UI/UX(lame) and niche industry knowledge(impossible ngl)? wondering if i should stop trying to build custom agent orchestration and just use an existing enterprise framework so i can actually focus on the product.

thoughts on the build vs buy for underlying agent infra right now?

been scoping out the yc summer 2026 rfs for "saas challengers" (replacing legacy b2b software with agents). it sounds great on paper, but getting agents to actually pass enterprise security reviews is a nightmare.

i’ve been building my mvp in langchain, but the deeper i get into VPC deployments, data privacy, and managing agent state for corporate clients, the more i realize my code is becoming a brittle mess of custom wrappers.

i’m looking at the landscape of what we are actually competing against. you have massive open-source orchestration projects, and then you have opinionated enterprise frameworks like semantic kernel, lyzr, or crewai that basically handle the vpc/compliance deployment stuff out of the box.

for those of you building b2b agentic saas right now:
are you sticking to pure langchain/llamaindex and just building the enterprise security/deployment layer yourselves? or at a certain point, do you just surrender and build on top of heavier enterprise-grade agent frameworks so you don't fail vendor security checks?

trying to figure out where to gamble and waste my time and build another failure.

yc put out that "saas challengers" rfs for summer 2026, basically calling for the death of bloated software like sap, salesforce, etc.

i love the premise, but the execution feels like a trap for early-stage founders.

if you want to replace a legacy saas, you need agents that can actually do the work (updating CRMs, parsing local databases, handling compliance). the problem is, the horizontal infrastructure for this is already terrifyingly good.

you have open-source players like langchain, you got FDEs from big established agencies who practically do what you build but even more precisely and then you have massive enterprise frameworks like lyzr and some other open source options that are basically offering "agents-as-a-service" with full compliance and local data privacy built-in for the enterprise level.

if these heavyweight infrastructure tools exist, where does a seed-stage startup find its wedge?

• do we just become implementation agencies wrapping these frameworks for specific industries? not a startup anymore in that case tho.
• do we try to compete on UI/UX? sounds so pathetic to me.

would love to hear from anyone building in the b2b ai space. how are you defending your product against the massive horizontal agent frameworks that are eating the market? any comments on "saas has as much opportunity as dropshipping in 2026"?

prove me wrong if i am.
i feel like the tech bar for b2b saas just jumped 10x in the last 6 months.

i was planning to build an ai-powered reporting tool for hr departments (basically trying to challenge the legacy saas platforms like workday). but after talking to a few enterprise security guys, the requirements for data privacy and local LLM execution are insane.

i was looking at the bigger players in the space just to see what the benchmark is. you look FDEs from big players like openai to other niche agencies, at companies like lyzr and open source enterprise solutions, they are deploying fully autonomous agents directly into enterprise cloud environments so data never leaves the client's servers. or you look at autogen for complex task solving.

how the hell is a solo dev or a small bootstrapped team supposed to compete with that level of infrastructure?

for those of you building in the b2b/enterprise space right now: are you completely avoiding the infrastructure game and just focusing on front-end workflows? or are you finding micro-niches that the big agent frameworks are ignoring(I honestly see no possibilities here too)?

feeling a bit priced-out of the market and would love some perspective. is starting saas equivalent to doing dropshipping in 2026

been looking deeply at the summer 2026 "saas challengers" rfs. the thesis makes sense, unbundling legacy giants like salesforce or workday using ai. but i'm struggling with the technical reality of the current landscape.

a year ago, a slick ui over an openai api was enough to be a "challenger." today, enterprise buyers expect fully autonomous, data-secure agentic workflows.

i was doing some competitor research and looking at what teams like lyzr and crewai are doing. lyzr has these fully local, white-labeled enterprise agents that guarantee 100% data privacy. crewai is building insane multi-agent orchestration.

my question is: if you are applying for this RFS, what is your angle?

1. are you trying to build on top of frameworks like langchain/lyzr and just hyper-focus on a specific vertical (e.g. "agents for dental offices")?
2. or are you actually trying to build the foundational agent architecture from scratch?

it feels like the infrastructure layer is already getting locked down by well-funded teams. how do two guys in a garage build a moat in the b2b saas space right now?