/ index — 2026

WhatdoyouwanttoknowaboutNicolás?

An operator between Santiago and Mexico City. I build financial infrastructure by day and read agent papers at 2am. Ask me anything — or scroll for the sections below.

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§1

Thesis

Three observations from working at the edge of financial infrastructure and artificial intelligence.

00

Agents are now your colleagues.

00

Rails are now software.

00

The dollar fits in your phone.

§2

Research areas

Three domains under active observation. Each with its own tags and exploration vector.

  • 00

    AI Agents

    Systems that don't just respond — they act. I'm fascinated by the design of autonomous agents that can reason, plan, and execute in real environments — and the new product paradigm this opens up.

    • llms
    • autonomy
    • reasoning
    • tool-use
    • multi-agent
  • 00

    Fintech

    The financial infrastructure layer is being rewritten. I'm drawn to how software redesigns access to money — especially in markets where the traditional system fails.

    • payments
    • baas
    • rails
    • latam
    • regulation
  • 00

    Stablecoins

    The digital dollar that doesn't need a bank. Stablecoins are the most underrated piece of the future financial stack — and the one with the highest impact in volatile economies like Latin America.

    • usdc
    • on-chain
    • dollarization
    • liquidity
    • web3
§3

Current work

What's on the table this month.

updated 2026.05.01

  • building
    the agent stack that makes corporate spending manage itself[xpendit]
  • reading
    papers on tool-use and recoverable planning in agents
  • following
    usdc/eurc rails landing in latam
  • in
    cdmx until october, santiago after
§4

Profile

Verifiable facts. For everything else, say hi.

Name
Nicolás José Ramos Bascuñán
Role
Co-Founder & CTO at Xpendit · since 2023
Based
Santiago, CL ↔ Mexico City, MX
Education
Engineering · Pontificia Universidad Católica de Chile · 2020–2025
Community
Founder @ u25f · LatAm under-25 founders
Languages
Spanish · English
Year
2026
© 2026 Nicolás Ramos · Built between Santiago and Mexico City.
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