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GM. This is Needs to Exist (NTE), where today’s idea lets AI do the boring bond stuff.

An AI-powered bond thingy? Yeah, ok this may not be for everyone. Skip the brain strain and explore easier ideas with NTE Pro. Sign up now!

Feeling overwhelmed? Don’t worry, we’ve got plenty of simpler ideas waiting for you—check out all our past newsletters here!

Here’s what we’ve got for you today.

• Daily Idea - Simplifying corporate debt

• AI = MVP Cheat Code

Banks suck. AI does bonds.

The One Liner

AI that makes corporate bonds simple.

The 140 character tweet (or X) version

Corporate bonds are confusing. AI can fix that—find, underwrite, and invest in high-quality debt without the banks or headaches.

The Longer Story Version

The Problem
Corporate debt sounds fancy, but it’s simple: companies borrow money to grow, and investors lend it in exchange for steady interest payments. These IOUs, called bonds, are a goldmine for stable returns.

But the system? A mess. Banks control access, underwriting is painfully slow, and fees are sky-high. Big institutions like insurance companies can’t get enough high-quality debt, while smaller investors are locked out entirely. The process is outdated, expensive, and frustrating for everyone.

The Solution
An AI-powered platform that cuts through the noise and simplifies corporate bonds:

• Instant Analysis: AI scans mountains of data (credit ratings, financials, trends) to spot the best bonds—faster and more accurately than humans.

• No Middlemen: Packaging and underwriting corporate debt without banks saves time and slashes costs.

• Open Access: Insurance companies, pension funds, and even smaller investors get a seat at the table, no big bank required.

How to Build It

1. AI Models for Underwriting: Tools like H2O.ai or Amazon SageMaker can process corporate financials and predict risks in real time.

2. Data Aggregators: APIs from S&P, Moody’s, or Bloomberg provide the raw data to train AI and feed insights.

3. Portfolio Tools: Use Python libraries like Pandas and NumPy to create balanced, customizable debt portfolios.

4. Blockchain for Transparency: Ethereum or Solana ensures secure, tamper-proof transactions and clear ownership records.

5. Scalable Hosting: Cloud providers like AWS or Azure handle the platform’s scalability and performance.

6. User-Friendly Design: Tools like Figma and Webflow make the interface simple enough for anyone to use.

Why It Needs to Exist
Corporate bonds are one of the best investments out there—steady returns, low risk—but banks make it hard to play. AI can fix that by making high-quality debt accessible, affordable, and easy to understand.

This idea takes the power out of the banks’ hands and gives it to the people (and insurance companies). Someone should build this—if not for the money, then just to watch Wall Street squirm.

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Idea to MVP: AI Cheat Codes

Let’s play out a scenario.

You’re diving into the Needs To Exist Pro database and come across an idea:

“A platform to help creators automate their ad campaign workflows.”

Pretty sweet, right? But now you’re thinking, How the heck do I build and test this without a team of designers, translators, and an endless pile of cash?

Enter: Adobe Firefly Bulk Create (this is not an advertisement, just a tip) – their new generative AI powerhouse. Think of it as a cheat code for automating labor-intensive production tasks like editing images, resizing assets, or translating video content. Here’s how you’d use it to MVP this idea:

Step 1: Create a Clean Prototype

Your platform is about automating ad workflows, so you need marketing visuals for the pitch deck and maybe a simple landing page.

With Firefly’s Remove Background tool, you can upload 100+ images, strip the clutter, and replace backgrounds with clean, branded designs. In one click, you’re saving hours (or a designer’s sanity).

Step 2: Mock Up Real Campaigns

Next, you want to show how your platform automates multi-platform ad creation. Use Resize to stretch images for Instagram or Facebook.

Yeah, it’s still in beta, and backgrounds might get wonky, but for abstract designs or clean templates? It’s more than enough. And boom – you’ve just created a mini ad campaign in under 10 minutes.

Step 3: Translate for Global Testing

Got a pitch video? Firefly’s Dubbing and Lip Sync tool can translate audio into 14 languages and adjust lip movements.

Now you can show your MVP to international creators and investors without hiring translators or voice actors.

Step 4: Test with Real Users

Upload your assets to a basic site or ad tool, and invite a handful of creators to try it out. Firefly’s output makes you look polished AF, even if the backend is still duct-taped together.

Step 5: Iterate Fast, Keep Costs Low

Firefly’s consumption-based pricing means you’re only paying for what you use. Resize a batch of images for $2 here, translate a video for $5 there – no need to blow the budget.

This is the MVP mindset in action. You don’t need a massive team or budget to make something real. You need:

1. A killer idea (NTE Pro has thousands).

2. Tools that save time (shoutout to Firefly).

3. The courage to get started.

Whether you’re building for creators, e-commerce, or video-based platforms, these tools are here to help you stop thinking and start building.

Want more step-by-step breakdowns like this? Join NTE Pro and get access to 1,500+ startup ideas and tools to bring them to life.

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