# SolvaPay & Round: KI-Agenten als Zahlungsinfrastruktur – Jessica Holzbach & Delia D. König (0TO9)

Page: https://stenobird.com/podcast/startup-insider-6744721/solvapay-round-ki-agenten-als-zahlungsinfrastruktur-jessica-holzbach-delia-d-k-nig-0to9
Text version: https://stenobird.com/podcast/startup-insider-6744721/solvapay-round-ki-agenten-als-zahlungsinfrastruktur-jessica-holzbach-delia-d-k-nig-0to9.md
Podcast: [Startup Insider](https://stenobird.com/podcast/startup-insider-6744721)
Published: 2026-04-29T02:00:00+00:00
Episode link: https://startup-insider.com/alle-podcast-folgen/
Audio file: https://afp-912057-injected.calisto.simplecastaudio.com/d2790bdf-c937-4878-8f59-941f6b6b4ef5/episodes/46d5cc30-554b-4255-bf9e-883f68ad0699/audio/128/default.mp3?aid=rss_feed&awCollectionId=d2790bdf-c937-4878-8f59-941f6b6b4ef5&awEpisodeId=46d5cc30-554b-4255-bf9e-883f68ad0699&feed=ZQdsoEnZ
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Duration seconds: 2290

## Resource

An analysis of the emerging intersection between AI agents and financial infrastructure. Investors from Zero to Nine discuss the rise of agent-to-agent payments and automated treasury management.

## Highlights
- Main idea: The emergence of 'Agent-to-Agent' payments as a new frontier for payment infrastructure
- Main idea: A shift in deal activity from late-stage to early-stage (Pre-seed/Seed) fintech investments
- Practical takeaway: AI integration in finance requires robust 'guardrails' to manage regulatory and operational risks
- Failure mode: The danger of moving too fast with AI in regulated banking without proper oversight
- Main idea: The rise of automated treasury and finance tools to reduce operational overhead for growing companies

## Topics

Fintech, AI Agents, Payment Infrastructure, Venture Capital, Agentic Commerce, Treasury Management, Seed Funding, Banking Regulation

## Chapters
- 1:00 — Introduction to Zero to Nine: An introduction to Jessica Holzbach and Delia König, focusing on their work with regulated fintech startups in Germany.
- 7:10 — AI in Debt Management: Discussing how AI and behavioral science can be leveraged to help customers navigate and exit debt.
- 10:10 — Analyzing Recent Seed Deals: A look at recent Pre-seed and Seed funding rounds and the changing landscape of fintech investing.
- 13:20 — The Rise of Agentic Commerce: Exploring the potential for payment infrastructure designed specifically for autonomous AI agents.
- 19:20 — The Intersection of Fintech and AI: Analyzing the competitive landscape as AI-focused investors enter the fintech space.
- 31:40 — Accountability in AI Finance: The critical question of who remains accountable when AI agents make autonomous financial decisions.
- 34:40 — Investment Risk Profiles: Comparing the risk profiles of different fintech models, specifically looking at high-risk, high-reward infrastructure plays.

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## Transcript

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