EXCLUSIVE: Fintech VCs Shift From AI Hype To Real Fundamentals As 'Growth At All Costs' Ends

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After a two-year funding winter, venture capital in fintech is stirring again — but with a distinctly sober tone. At the Benzinga Fintech Day & Awards 2025 in a panel discussion, speakers Isabelle ...

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At the Benzinga Fintech Day & Awards 2025 in a panel discussion, speakers Isabelle ...</p>\n\n<a href=\"https://www.benzinga.com/news/financing/25/11/48788808/exclusive-fintech-vcs-shift-from-ai-hype-to-real-fundamentals-as-growth-at-all-costs-ends\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1861217088.USD","symbol_name":"贝莱德金融科技A2","start_time":0,"source_url":"https://www.benzinga.com/news/financing/25/11/48788808/exclusive-fintech-vcs-shift-from-ai-hype-to-real-fundamentals-as-growth-at-all-costs-ends","article_id":"2582539174","we_media_id":null,"thumbnails":["https://cdn.benzinga.com/files/images/story/2025/11/11/fintech2.jpeg?optimize=medium&dpr=2&auto=webp&width=240"],"rights":{"source":"benzinga_recent_news","url":"https://www.benzinga.com/news/financing/25/11/48788808/exclusive-fintech-vcs-shift-from-ai-hype-to-real-fundamentals-as-growth-at-all-costs-ends","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2582539174","pubTimestamp":1762888440,"columns":[],"sourceInfo":{"source_id":"benzinga_recent_news","name":"Benzinga"},"weMediaInfo":null,"summary":"At Benzinga Fintech Day 2025, fintech VCs say the ‘growth at all costs' era is over as investors pivot to fundamentals, retail capital, and tokenization .","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU1861217088.USD":"贝莱德金融科技A2","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","ETOR":"eToro Group Ltd.","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4539":"次新股","FTVI":"Fintech Acquisition Corp VI","BK4547":"WSB热门概念","LU1861559042.SGD":"日兴方舟颠覆性创新基金B SGD","LU1861558580.USD":"日兴方舟颠覆性创新基金B","BK4127":"投资银行业与经纪业"},"translate_title":"独家：随着“不惜一切代价增长”的结束，金融科技风投从人工智能炒作转向真正的基本面","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"ETOR":1,"FTVI":1.5},"content_text":"After a two-year funding winter, venture capital in fintech is stirring again — but with a distinctly sober tone. At the Benzinga Fintech Day & Awards 2025 in a panel discussion, speakers Isabelle Phelps, partner at Lerer Hippeau; Matt Ober, managing partner at Social Leverage; and Mat Goldstein, chief strategy officer and co-founder at DealMaker, agreed that the exuberant \"growth at all costs\" era is giving way to a disciplined, fundamentals-first mindset. The focus now: disciplined founders, sustainable business models, and smarter capital strategies.\nAlso Read: EXCLUSIVE: Private Markets For Retail Investors—More Than ‘Just OpenAI And SpaceX’\nPhelps noted that U.S. venture investment topped $300 billion in 2021 before plunging in 2022 and 2023. \"So far this year, 40% of venture dollars in the US were invested in just 11 companies. And those are largely the big AI names,\" she said, pointing to rising concentration and froth even in early-stage funding. \nWhile valuations for top startups are again climbing, she emphasized that investors now expect founders to navigate both volatile fundraising conditions and a fast-changing tech landscape. Phelps added that her fund is spending more time, not less, getting to know founders, to better understand how they plan to navigate market frothiness or other conditions.\nAlso Read: EXCLUSIVE: Prediction Markets Expert Says Surge ‘Gives Me Hope,’ ‘There’s An Appetite For Fun’\nDealMaker's Goldstein described a parallel revolution on the retail side. His firm helps brands raise funds directly from their fan customer base, \"turning customers into shareholders.\" \nThe model, he said, merges \"a Shopify-like platform, a broker-dealer that raises capital, and a marketing agency,\" and has powered capital raises for clients such as the Green Bay Packers. \"If they’re (customers) willing to buy your product, they're willing to buy your shares,\" he quipped.\n“We’ve seen a tremendous growth in retail capital raising over the past 10 years since the Jobs Act in 2012 really opened up Reg A (Regulation A) and Reg CF (Regulation Crowdfunding),” Goldstein added.\nOber of Social Leverage, an early investor in Robinhood Markets Inc (NASDAQ:HOOD) and eToro Group Ltd (NASDAQ:ETOR), cautioned against chasing sky-high AI valuations. \"AI is a part of every story at this point…Those that are raising on a pure AI story trying to raise the most money at the highest valuations typically scare us away. We’re looking for founders that [are] a little bit more level set and moving a little bit slower.\" he said.\nHis firm's typical investments are below $10 million, focusing on long-term viability rather than quick exits. \nLooking ahead, Ober and Goldstein see tokenization — the digitization of assets — as a long-term opportunity. Ober expects it to reshape wealth management, while Goldstein sees potential in creating secondary liquidity for private investors. \"With private (firms) staying private longer, and with IPOs reducing its breadth.. I do think the capital markets need a solution that provides liquidity for private firms\" he said.\nRead Next: \nPhoto courtesy of Corynn Egreczky.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.35.12","shortVersion":"4.35.12","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2582539174","isCrawlerRequest":true}