The Ghost of FinTech Future

Twenty-five years where traditional financial services meet the entrepreneurs rewiring them.

I led product strategy for trading platforms at Goldman Sachs, BlackRock and E*TRADE, ran the Barclays Accelerator at Techstars, and founded Empire Startups. These days I also build software with a team of autonomous AI agents.

New York

AI avatar of Jon ZanoffAI twin

25+

years building and backing financial technology

$1B+

combined value of investment in accelerated FinTech companies

2010

founded Empire Startups, playing a foundational role in building the global FinTech community as we know it

40

early-stage fintech investments

Agentic AI

My software studio is staffed by AI agents.

I design every product. Autonomous AI agents write, test and review the code, inside a governance system I built: who can change what, which checks must pass, and when a human has to sign off. It's the question every financial institution now faces. How do you let AI act on its own and still stay in control?

  1. 01

    Builder agent

    Writes the change

  2. 02

    Up to 18 automated checks

    Scope, integrity, tests, screenshots

  3. 03

    QA agent

    Reproduces it independently

  4. 04

    OpenAI + Google

    Outside models review any rule change

  5. 05

    Me

    Final sign-off

In review

8

software suites built and running

2

AI agents with separate permissions

14

hard stops that block an agent mid-action

0

admin keys held by any agent

The work

From the trading floor to the startup edge

Ecosystems

Since 2010 Empire Startups has been a meeting point for banks, founders and investors. At Techstars I ran the Barclays Accelerator. I know how bank-fintech partnerships come together, and where they stall.

Capital

Former Techstars Managing Director and investor in 40 early-stage fintech companies. Judge for Innotribe, BBVA Open Talent, Startupbootcamp FinTech and TransferWise.

Infrastructure

Product strategy for institutional trading platforms at Goldman Sachs (REDI Plus), BlackRock, Instinet and E*TRADE: the plumbing banks, brokers and asset managers run on.

TechstarsGoldman SachsBlackRockE*TRADE

Lehigh University · BS, Mechanical Engineering and Mechanics

Portfolio

A few of the founders I've backed

Bank Novo

New York · 2017

Sigma Ratings

New York · 2017

RealBlocks

New York · 2017

APPLICA.AI

Warsaw · 2018

vector.ai

London · 2018

Harvest Platform

New York · 2018

SendFriend

New York · 2018

Waffle Labs

2018

Finch

2019

Hubly

Vancouver · 2019

taptrip

Manchester · 2019

Lance

New York · 2019

Digital twin

Ask me anything

AI avatar of Jon Zanoff

An AI version of me, briefed on my career and views. For anything that matters, email the real me.

Ask me about strategy, partnerships, investing or AI. Or start with one of these: