On Ep. 2 of Brainfood, Simon Taylor, Founder @ Brainfood & Head of Market Development @ Tempo is joined by Eric Glyman, Co-CEO @ Ramp to discuss if fintech is dead, why Ramp considers itself a productivity company, how AI token costs are turning software into financial products and more!

Timestamps:

• 00:00 Introduction
• 02:16 Is fintech dead? And why Ramp considers itself a productivity company
• 03:41 Why AI token costs are turning software into financial products
• 06:27 How Ramp's Inspect lets non engineers ship code using AI
• 10:51 Why AI is becoming the third major category of business spend
• 17:43 What justifies Ramp's valuation and its accelerating revenue growth
• 26:07 How AI is transforming employee productivity and customer support workflows
• 38:54 Why Ramp applied for an OCC national trust bank charter
• 42:15 How stablecoins enable faster cross border payments and protection against currency volatility
• 46:23 Will autonomous AI agents replace Ramp or choose its financial infrastructure?
• 50:01 The future of agentic companies and Ramp's mission to eliminate waste

On Ep. 1 of Brainfood, Simon Taylor, Head of Market Development @ Tempo is joined by David Vélez, Founder & Global CEO @ Nubank to discuss Nubank's US launch, strategy, Hispanic customers, AI banking agents and more!

Timestamps:

• 00:00 Introduction
• 0:11 Nubank’s scale, efficiency, US launch, tokenization and AI
• 2:14 Chuck Feeney’s philanthropy and influence on David Vélez
• 4:13 Smart efficiency culture and Nubank’s branchless cost advantage
• 7:10 Hidden US banking costs and the underbanked opportunity
• 9:44 Nubank’s US strategy, Hispanic customers and incumbent competition
• 12:13 Customer obsession, NPS and long term loyalty economics
• 16:48 Nubank Global, stablecoin savings and international money movement
• 22:00 NuFormer foundation models for credit decisioning and financial AI
• 27:20 AI banking agents, financial guidance and cautious customer rollout
• 30:34 AI driven workflow reinvention and Nubank’s flatter organization

In this episode Simon Taylor, GTM @ Tempo sits down with Increase CEO, Darragh Buckley to discuss DeFi earn products, consumer redemption risk, vault liquidity management and more!

Timestamps:

• 00:00 Introduction
• 01:19 The motivation for Increase: addressing payment disbursement failures
• 03:04 Technical and business challenges in international financial expansion
• 05:00 Viewing compliance as an engineering problem to be solved
• 07:31 Admiration for legacy financial systems built with constraints
• 09:10 The simplicity curve: abstraction, complexity, and underlying simplicity
• 12:45 The philosophy of building "lovingly boring" financial infrastructure
• 14:30 The necessity of early partnerships and gatekept features in fintech
• 16:50 Stablecoins as parallel infrastructure versus replacement for traditional systems
• 19:58 The existing strengths of US deposit rails and last-mile delivery