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. We're hiring across engineering and sales, so reach out if you're interested: kunle[at]substrate[dot]cc.
I previously ran product at Carbon Health & helped scale it 30x and vaccinate 3% of California over the course of the pandemic.
Before that, I built the banking product and infrastructure at Cash App, including the Cash Card and Square's instrument issuing infrastructure, bank relationships, card logistics and bank account payments from scratch, & scaled that product line to $250m run rate over 3 years.
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.
Once a year I co-host 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.
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.