Hi, I'm Carlos Velasco
building the next gen of consumer AI & Crypto.
Founder-engineer in YS24 and HF0. Ex-Venmo
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.
Over the past two years, I’ve been in San Francisco as part of Y Combinator and HF0, launching products from 0 to 1. I’m obsessed with the future of consumer AI and how the 10x factor is transforming both the industry and the consumer.
Projects
illegalagents.ai
AI-agent infrastructure platform deploying ElizaOS, MastraAI and MCP
Kontigo YCS24
Web3 fintech platform built with Thirdweb, Supabase, and Vercel
Venmo Payment System
API design for 75M users, payment system optimization
GetXerpa LATAM
Fintech platform contributing to $2.9B in user savings
Diners Card Cross-selling
Cross-selling features for Visa Titanium acquisition
iBillionaire Financial APIs
Integration of third-party financial APIs in fintech startup
Provoos Consulting
Personal consultancy advising on product-market fit and scaling
8+
Years in Fintech
10+
Products Shipped
YC S24 & HF0
Accelerators
Thoughts on AI, fintech, building products, and the future of technology. Sharing lessons learned from scaling systems and creating impactful solutions.
Read on Substack