API-First vs Vertical Fintech: India's Real Moat Question
India's fintech winners won't be horizontal API layers. Vertical fintech—lending, insurance, payments—captures unit economics faster. API-first businesses need 7-10 years to defensibility. Verticals need 2-3 years.
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Amit Tyagi
Founder, AletheiaAI & GP, Fitoor Capital
Veteran of India's startup ecosystem. Writing about fundraising, investor psychology, and what it takes to build fundable startups in India.
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