Intuit is opening up its financial intelligence to AI agents, while SoFi is making its infrastructure programmable.
Both firms are betting that the layers beneath their products can become businesses in their own right, creating value across new interfaces, businesses, and customer relationships.
Across recent Tearsheet Podcast episodes, the conversation consistently drifted away from the financial product itself and toward everything that makes those products more intelligent, seamless, and effective.
Whether it was Slash, Figure, McKinsey, or QED Investors, they all arrived at the same conclusion: value no longer comes from the product alone, but from everything built around it.
