About me: currently building the future of healthcare at Carbon Health and investing in the future of healthcare and financial services at Refract Ventures.
In February 2025, I'm organizing A Very Stable Conference , an invite-only conference exploring the utilization of stablecoins in real world, traditional enterprises. If you'd like to attend, please apply here
Previously, I built the future of banking at Cash App, including the Cash Card and Square's instrument issuing infrastructure from scratch.
Before Cash App, I founded Hipmob (YCombinator W12 - acquired by Conversocial.com). In a previous life, I traded bonds and foreign exchange at Bank of America.
I also build lots of apps for fun, including Mailform, SplitCSV, and Faxrocket and others.
I've angel invested in over 80 companies like Mercury, Sure, Biobot, Faire, and others. I also lead the Square Angels syndicate; a group of current and former Square and Cash App alumni investing together, and the YC Alumni syndicate; a group of YC Alumni investing in each other after YC.
Other things I love: cooking, salt, olive oil, anime, sci fi, afrobeat and fantasy.
My email is ayo [at] kunle.app, and I'm on twitter at @ay_o. Over time I'll add more things.
To get notified when I publish a new essay, please subscribe here.