AI and stablecoins have kept the enterprise Fintech sector on track in Q3 2025, according to an update from PitchBook. The research report noted that Fintech is enabling AI to literally pay for itself. Led by payments firms, enterprise fintech companies raised $6 billion across 349 different deals in Q3, holding quite steady while early-stage valuations surged to all-time highs. PitchBook also mentioned in the report that capital has now gravitated toward the payments stack, where stablecoins and various agentic payment protocols are forming the foundation for AI systems that are able to transact autonomously.
In addition to this, the PitchBook report noted that overall exit activity is holding fairly steady. M&A is gaining traction as regional banking institutions consolidate in order to compete with larger players and fintech firms snap up automation and infrastructure startups to enable AI integration. With interest rates now stabilizing and the IPO window reopening, liquidity is said to be shifting from the sidelines back into play.
The report also stated that Q3 2025 saw increasing efforts to embed financial data into AI ecosystems. PitchBook’s integrations with Anthropic, Perplexity, Rogo, Hebbia, Finster, Model ML, and Farsight now expand access to private market intelligence via large language models (LLMs) and conversational tools.
Furthering this latest trend, nCino has introduced its Integration Gateway, allowing improved connectivity between banks’ core systems and fintech and AI stacks.
According tot he report, this lowers the technical barriers to deploying AI, connecting “previously siloed data and allowing systems to securely access the information they need to produce more accurate and actionable insights.”
In addition to this, Grasshopper Bank and Narmi have now deployed a private Model Context Protocol server that is being “powered by Anthropic’s Claude, allowing AI systems to surface banking data and laying the groundwork for broader LLM integrations.”
The PitchBook update further stated that the emergence of agentic payment protocols and AI-integrated data systems, “coupled with the accelerating adoption of stablecoins, is poised to reshape financial workflows.”
The report has concluded that investors and operators should “focus on interoperability, governance, and secure agentic infrastructure while closely tracking how these technologies shift consumer and merchant payment behavior.”
