Carlo Kobe is Co-Founder at Hone, a San Francisco-based enterprise AI startup building autonomous Engines that own complex business outcomes over weeks and months, backed by Benchmark and Index Ventures.

Originally from Hamburg, Germany, Carlo left Harvard University as a Thiel Fellow in 2021 to co-found Fizz, a YC-backed fintech app helping young adults build credit and manage money.

A Forbes 30 Under 30 honoree and 2025 Thiel Fellow, Carlo brings a rare blend of entrepreneurial grit, fintech product expertise, and deep conviction in AI-driven economic transformation.

Carlo led Fizz as CEO for several years, raising $14.4M in seed funding led by Kleiner Perkins, and previously gained experience in AI incubation at Merantix and growth equity analysis at DTCP.

At Hone, Carlo and his co-founders raised a $60M seed round at a $285M valuation, with early enterprise customers already using Hone Engines to identify millions in procurement savings and optimize business operations.