Sublime

Infrastructure to exchange resources with unknown people and businesses.

—Tina Jiang, Product Manager at Faire

Provide access to increasingly large amounts of non-dilutive capital.

Across multiple verticals, independent workers often lack predictable income, which presents an opportunity for lending. Early products in this space include Patreon Capital (merchant cash advances for Patreon creators), Shopify Capital, as well as horizontal creator business platforms Karat and Stir.

Karat unlocks a digital entrepreneur’s most persistent and critical need – access to capital.

Harry Stebbings, Founder of The Twenty Minute VC and 20VC fund, says, "Seeing more value captured by users, both individually and collectively, is one of the most exciting aspects of Web3. It removes intermediaries from traditional Web2 aggregators and gatekeepers, which is key for the democratization of income creation in the digital world."

I’m keen to meet companies building better payments infrastructure to help businesses capture more profit and get paid faster.

5. Group purchasing