In a recent LinkedIn post, Nithin Kamath discusses the burgeoning trend of individuals creating sophisticated financial tools using application programming interfaces (APIs) and artificial intelligence, often without prior coding experience. Kamath, the founder of Zerodha, a prominent Indian online stock brokerage, observes a significant shift in how financial technology is being developed and accessed.
Kamath highlighted the variety of tools being built, noting,
“My feed is filled with people vibe coding all sorts of financial tools using Kite APIs like portfolio dashboards, backtesting setups, market insight tools, and even automated trading setups.”
He points out that while some of these creations may be “useless,” a notable portion represents “genuinely well thought out tools, built to solve very specific problems that traders and investors have.”
The Democratization of Financial Tool Creation
A key aspect of Kamath’s observation is the accessibility of these powerful tools to individuals with no traditional programming background. According to Kamath, a significant number of these developers “have never written a line of code in their life.” This phenomenon is largely enabled by the advancements in AI coding assistants.
Kamath elaborates on this point, stating, “Just plain English and AI coding tools like Claude Code, Codex, etc.” This suggests a future where financial innovation is not solely the domain of seasoned software engineers but is open to a broader audience with domain expertise and the ability to leverage AI.
Empowering Traders and Investors
Kamath’s post also serves as a guide for those who might feel intimidated by this rapid technological advancement. He acknowledges the potential for “FOMO” (Fear Of Missing Out) among those who are interested but unsure how to begin experimenting with these new capabilities.
To address this, Kamath recommends starting with a user-friendly tool. He suggests,
“If you have FOMO to try these tools but don’t know where to start, try our MCP plugin first.”
He explains the benefit of this approach: “Connect it to your Zerodha account and just start asking it things. You get a real sense of what’s possible before you start using AI coding tools.” This practical advice aims to lower the barrier to entry, allowing individuals to experience the potential of AI-driven financial tools firsthand.
The Future of Fintech Development
Nithin Kamath’s insights underscore a significant democratization occurring within the fintech space. As he points out, the combination of accessible APIs and powerful AI coding tools is empowering a new generation of creators. This trend is likely to accelerate the development of niche financial solutions tailored to the specific needs of traders and investors, moving beyond generic applications.
The ability to translate financial ideas into functional tools using natural language and AI represents a paradigm shift. As Kamath implies, this opens up avenues for innovation that were previously constrained by the steep learning curve of traditional programming. His post encourages engagement with these technologies, positioning them as accessible tools for problem-solving in the financial markets.
📝 About This Content
This article is based on insights shared by Nithin Kamath on LinkedIn.
📅 Originally posted on February 26, 2026 | View original post on LinkedIn →