Steve Domino on Starting a Fintech

Steve Domino is the co-founder and CTO of Crew, a fintech startup building what he calls the most powerful checking account in the world — one with programmable automation rules, a family-scoped AI financial assistant, and zero of the fees that make traditional banking frustrating. He came up through startups, spent time at Divvy before its Bill.com acquisition, and brought his Elixir experience directly into Crew's foundation.

We cover a lot of ground on the product side: how Crew's "Autopilot" rules engine lets users program their money (and the recursion checks it took to make that safe), why Crew consolidated savings and checking into a single account, how the team handles high-value deposits without physical branches, and what's coming — business accounts, wills and trusts, family investing, and a credit card designed to work like a debit card. Steve also talks through the challenge of projecting bills years into the future to keep balance reservations accurate, and how building and using your own product surfaces problems fast.

On the Elixir side, Steve talks about why fintech is a natural fit for the BEAM — Crew decisions on card transactions in under 250 milliseconds — and how Oban became central to their reliability story when partner services go down. He shares what drew him to Elixir personally (pattern matching, the pipe operator, the with block), reflects on the Utah Elixir ecosystem that Divvy and Podium helped build, and explains how Penny, their AI financial assistant, is scoped per family so it can never reach outside a user's own data.

We also spend time on career and engineering culture: Steve's take on the "Extreme Ownership" mindset that shaped how he grew into a leadership role, why he asks candidates to design something they'd actually build at Crew instead of solving puzzles, and his honest concern that developers leaning entirely on AI may lose the ability to think critically about architecture. Good conversation throughout.

Resources Mentioned:
- Extreme Ownership (book): Amazon
- Oban: oban.pro

Connect with Steve:
- Crew: trycrew.com
- LinkedIn: linkedin.com/in/steve-domino

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