Hi, I'm Carlos Velasco

building the next gen of consumer AI & Crypto.

Founder-engineer in YS24 and HF0. Ex-Venmo

about me

Since 2015, I've built full-stack web applications for the fintech space-specializing in banking, credit-card, and mobile-payment solutions for startups. Today, I'm leveraging AI to accelerate usable product delivery.

My journey started with a computer engineering degree, but the real education came from building products in the fintech startup ecosystem. From developing cross-selling features for Visa Titanium acquisition to leading API design for payment systems serving 75M users, I've consistently focused on creating scalable, robust solutions that drive business growth.

As a consultant through my brand Provoos, I now advise companies on achieving strong product-market fit while building AI-agent infrastructure platforms. My experience spans from early-stage startups to major accelerators like Y Combinator S24 and HF0, always focusing on the intersection of AI, fintech, and scalable technology solutions.

Career timeline

Jan 2025Current

Software Engineer & Consultant

Upstreet, Provoos

Leveraging my personal consultancy brand, Provoos, to advise Upstreet achieving strong product-market fit. Part of illegalagents.ai AI-agent infrastructure platform-deploying ElizaOS, MastraAI and MCP. Create and design multiple proof concept to find engagement with the audiences and possible markets. Served as Prompt Engineer, crafting and refining AI prompts to optimize content generation and conversational flow.

Feb 2024

Founding Engineer

Kontigo (YCS24, HF0)

Part of one of the best accelerators programs HF0 and Ycombinator S24. I have played a pivotal role in designing and developing a secure, scalable, and robust platform with integrated Web3 using Thirdweb technologies, Supabase and Vercel. Fostered cross-functional teamwork to align technical development with business objectives, facilitating seamless transition from MVP to full-scale product.

Sep 2023

Senior Software Engineer (Contractor)

Revelo

Enhanced reconciliation accuracy for $76B transactions using Python and AWS in Synapse. Implemented design patterns and testing, boosting system reliability. Streamlined processes with Github Actions, improving efficiency. Provided consultancy to Hades Financial, enhancing client satisfaction.

Jan 2022

Senior Software Engineering

Venno

Spearheaded API design for Venno's campaign and payouts delivery system, enhancing platform functionality for 75M users while ensuring scalability and performance. Optimized backend processes using Python, Celery, and AWS, resulting in improved efficiency for gift card and offer distribution across the platform. Implemented robust testing strategies, including unit, integration, load, and stress testing, to maintain high-quality software for millions of users.

Nov 2018

Tech Lead

GetXerpa

Led software design for LATAM Fintech, enhancing savings solutions for banking entities. Developed full-stack applications using Python, Django, Angular, and AWS technologies. Implemented best practices like TDA, Clean Code, CI/CD, and Infrastructure as Code. Facilitated measurable savings impact, contributing to over USD 2.9 billion in user savings.

Mar 2018

Software Engineer

Diners Card Ecuador

Developed cross-selling features for Visa Titanium acquisition enhancing client engagement and driving business growth. Collaborated with McKinsey to integrate cross-selling features, improving customer engagement.

Mar 2016

Junior Developer

iBillionaire

Contributed to cross-functional teams to seamlessly integrate third-party financial APIs, enhancing the platform's capabilities. Gained invaluable experience in the fintech startup ecosystem, marking my entry into the dynamic world of startups and deepening my understanding of financial technology.

Aug 2013

Junior Developer

Grupo Provedatos

Supported PAC software, resolving issues and maintaining code per ISO 9001 standards. Utilized PHP, Node.js, JavaScript, HTML5, CSS3 for effective software solutions.

Education

Oct 2021

Master's in Industry 4.0 and Process Automation

UPC School (Universitat Politècnica de Catalunya)

This program emphasized digital transformation in industry through advanced technologies like AI, IoT, and data analytics. I learned how major companies adopt these innovations to enhance efficiency and adapt to global changes.

Jun 2021

MBA, Master's in Industry 4.0 and Process Automation

Three Points The School for Digital Business

Advanced business and technology program focusing on digital transformation and process automation.

Mar 2017

Computer Engineering with a major in Computer Science

Universidad Internacional de La Rioja (UNIR)

Comprehensive computer science education with focus on software engineering and system design.

work

A collection of projects spanning AI agents, fintech solutions, and scalable platforms. From building payment systems serving millions to creating AI-powered automation tools.

illegalagents.ai Platform

AI-agent infrastructure platform deploying ElizaOS, MastraAI and MCP. Building autonomous agents for various business applications with focus on conversational AI and process automation.

AI
Agents
ElizaOS
MastraAI
Next.js

Kontigo YCS24 Platform

Secure, scalable, and robust platform with integrated Web3 using Thirdweb technologies, Supabase and Vercel. Part of Y Combinator S24 and HF0 accelerator programs.

Web3
Fintech
Supabase
Vercel
Thirdweb

Revelo Transaction Processing

Enhanced reconciliation accuracy for $76B transactions using Python and AWS in Synapse. Implemented design patterns and testing, boosting system reliability.

Python
AWS
Fintech
Synapse
Testing

Venno Payment System

Spearheaded API design for campaign and payouts delivery system, enhancing platform functionality for 75M users. Optimized backend processes using Python, Celery, and AWS.

Python
Celery
AWS
API
Scale

GetXerpa LATAM Fintech

Led software design for LATAM Fintech, enhancing savings solutions for banking entities. Contributed to over USD 2.9 billion in user savings through innovative financial products.

Python
Django
Angular
AWS
Banking

Diners Card Cross-selling

Developed cross-selling features for Visa Titanium acquisition enhancing client engagement. Collaborated with McKinsey to integrate advanced features.

Fintech
Cross-selling
Visa
McKinsey

iBillionaire Financial APIs

Contributed to cross-functional teams to seamlessly integrate third-party financial APIs, enhancing platform capabilities in the fintech startup ecosystem.

APIs
Fintech
Integration
Startups

Provoos Consulting

Personal consultancy brand advising companies on achieving strong product-market fit. Specializing in AI, fintech, and scalable technology solutions.

Consulting
AI
Fintech
Strategy

Interested in learning more about any of these projects or discussing potential collaboration?

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Thoughts on AI, fintech, and building products that matter.

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