Venture with Grace Vivek Krishnamurthy, Commerce Ventures Partner on Fintech & Insurtech
Nov 1, 2025
Vivek Krishnamurthy, a Partner at Commerce Ventures, is a FinTech and InsurTech expert with a background in investment banking. He dives into the current macro trends and the evolving landscape of M&A in these industries. Vivek discusses the transformative potential of AI, emphasizing its role in reducing integration friction and enhancing data portability for better financial outcomes. He also touches on the future of stablecoins, tokenization, and their competitive edge in remittances, painting a vivid picture of where money management is headed.
AI Snips
Chapters
Books
Transcript
Episode notes
Agentic Commerce Is A Multi-Phase Shift
- Agent-enabled commerce today shifts point-of-sale into AI platforms but still requires human authorization.
- Fully agentic commerce would change settlement rails, risk allocation, and participant roles over years.
Solve Identity And Liability For Agentic Commerce
- Design agentic commerce solutions with industry-wide protocols for identity, liability, and dispute handling.
- Prioritize KYC, binding agent identity to consumers, and permissioned spending controls before scaling.
Legacy Tech Becomes New Infrastructure For Agents
- Existing technologies (payment vaulting, core payment infra) gain renewed relevance for agentic payments.
- Companies like Basis Theory, Skyflow, and Nakuda become critical infrastructure pieces.
