Miguel Toledo

Yo, have you heard about Miguel Toledo? This guy’s the real deal in the startup world. He’s a YC S23 alum, which is a big deal, and he just co-founded Flex, a payment platform that lets businesses accept HSA and FSA cards. That’s some advanced fintech shit – making healthcare payments way easier. He’s only been at it since July 2023, but the guy’s been crushing it before that.

So, here’s the lowdown: Miguel’s process started way back, but he’s been deep in the tech trenches for a minute. Before Flex, he was at Unit21 as a Software Engineer, working on fraud and AML products – basically fighting the bullshit in financial crimes. That’s a serious skill set, especially for someone jumping into payments now. Before that, he worked at Woven Planet Holdings, which came out of Lyft’s self-driving car division, so he’s got a solid background in autonomous vehicles and ML infrastructure from Lyft’s Level 5 team. That’s some high-tech stuff, all about machine learning infrastructure and heavy compute – not your average engineer gig.

He’s also done internships at Google Cloud, Equifax, and ADP – basically the who’s who of big tech and finance. And yeah, he’s got a Computer Science degree from Kennesaw State, but honestly, that’s just the formal stuff. The real story? He’s been jumping into the hardest problems from day one. Whether it’s self-driving cars, fraud, or now healthcare payments, he’s all about building stuff that actually moves the needle.

What does this say about him? The dude’s driven AF. He’s not just doing tech for the sake of it – he’s motivated by making real impact. His process shows he’s not afraid to jump into new, complicated worlds and figure out how to crush it. He’s got the hustle, the brain, and the vision to connect the dots between modern ML, fintech, and healthcare – that’s what makes him so interesting. He’s the type to jump into a new industry and start building something that actually matters.

Basically, Miguel’s story is about relentless hustle, deep tech skills, and a passion for solving hard problems. He’s not just another engineer – he’s a builder, a founder, someone who’s not afraid to take the big risks to create the future trend. And with his YC background and solid experience across some of the coolest tech companies, he’s got what it takes to change the game. No cap, this guy’s just getting started.