About me: I founded Refract Ventures to invest in early stage financial technology and healthcare infrastructure.
I'm building Substrate Intelligence to help healthcare practices get paid quickly, fairly, and cheaply.
I previously ran product at Carbon Health
Before that, 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.
In February 2025, I organized A Very Stable Conference , an invite-only conference exploring the utilization of stablecoins in real world, traditional enterprises.
I also build lots of apps for fun, including Mailform, SplitCSV, and Faxrocket and others.
I've angel invested in over 80 companies like Bridge, 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.
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