While many fintechs are focused on surface-level features, Ethan Bloch is building an ambitious, AI-powered financial product from the ground up. In this episode, Ethan, Founder of Digit and now Hiro Finance, shares why he believes most financial tools are more cosmetic than useful, and how a truly helpful product can speak for itself—no referral codes needed. He breaks down how AI is unlocking more personalized financial support, why trust is the most valuable asset in fintech, and how strong branding often follows when you genuinely solve real problems.We also cover:How building in the age of large language models reshapes teams, trust, and timelinesWhy putting product value first creates long-term brand strengthThe single survey question that reveals true product-market fit

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