India & US Fintech in 2025: Sheel Mohnot from Better Tomorrow Ventures on PrimeVP Podcast

Prime Venture Partners Podcast

What’s next in fintech? In this high-signal episode, Sheel Mohnot (GP at @ Better Tomorrow Ventures) shares deep insight into the future of financial services, AI’s impact on SaaS, and how VC is evolving in 2025.
🔍 In Sheel’s candid chat with Sanjay Swamy, You’ll learn:
• What US fintech can learn from India’s public infrastructure (UPI, DEPA, account aggregation)
• Why SaaS isn’t dead—but must evolve beyond subscription revenue
• How Sheel evaluates founder-market fit, velocity, and tenacity
• The co-lending revolution in India—and why it’s a structural shift
• Why BTV is betting big on hands-on accelerators and early-stage velocity
📌Timestamps:
00:00 – Introduction
01:30 – Sheel’s journey from Pittsburgh to VC
08:15 – U.S. vs India: Fintech regulation
15:30 – Is SaaS dead? The AI disruption
20:15 – India Stack vs U.S. payments
27:30 – Can Indian fintech go global?
30:00 – IPO readiness: India vs U.S.
34:00 – Will BTV invest in India?
45:00 – Red flags & founder filters
50:00 – What gets a “yes” from Sheel
54:00 – Fintech outlook for 2025
57:10 – Clubhouse, Bieber & Taco Bell wedding
🔑 Key Takeaways:
✔️ Vertical SaaS is fintech in disguise – and it’s how modern software will scale revenue
✔️ AI is not just augmenting work—it’s replacing it in areas like accounting and underwriting
✔️ Regulation ≠ obstacle – In the U.S., a patchwork system creates an edge for savvy startups
✔️ Early-stage investing is about founder-market fit, and spotting overlooked “superpowers”
📌 Follow us:
LinkedIn: https://www.linkedin.com/company/primevp
Twitter: https://twitter.com/primevp_in
Website: https://primevp.in
#Fintech #SaaS #AI #Startups #VentureCapital #IndiaStack #SheelMohnot #BetterTomorrowVentures #DigitalTransformation #FounderInsights #InvestorInsights #FutureOfFinance #PrimeVenturePartnersPodcast

Chapters

1. Introduction (00:00:00)

2. Sheel’s journey from Pittsburgh to VC (00:01:30)

3. U.S. vs India: Fintech regulation (00:08:15)

4. Is SaaS dead? The AI disruption (00:15:30)

5. India Stack vs U.S. payments (00:20:15)

6. Can Indian fintech go global? (00:27:30)

7. IPO readiness: India vs U.S. (00:30:00)

8. Will BTV invest in India? (00:34:00)

9. Red flags & founder filters (00:45:00)

10. What gets a “yes” from Sheel (00:50:00)

11. Fintech outlook for 2025 (00:54:00)

12. Clubhouse, Bieber & Taco Bell wedding (00:57:10)