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Carlo Kobe co-founded Hone, which builds AI systems that own complex organizational outcomes over weeks and months. A 2025 Thiel Fellow, he previously co-founded Mine, formerly Fizz, to help young adults build credit and manage money.

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Carlo Kobe co-founded Hone, which builds AI systems that own complex organizational outcomes over weeks and months. A 2025 Thiel Fellow, he previously co-founded Mine, formerly Fizz, to help young adults build credit and manage money.

Career

Co-Founder at Hone from 2026-06 to Present
Co-Founder and CEO at Mine from 2021-05 to 2026-04
Research at Merantix Capital from 2020-08 to 2021-07
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Launching the Fizz Card

Carlo's account of launching a debit card that helps young adults build credit without interest, fees, or security deposits.

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