Luis Cárdenas FRAME 000 / 008
AI × MONEY × PRIVACY × LATIN AMERICA

I build systems that know when to stop.

AI agents, privacy tools and financial products for Latin America — built around explicit limits.

BOGOTÁ · AVAILABLE FOR THE RIGHT PROBLEM
01 / 05KnowniREQUEST → CONSENT → ANSWER
01 / THE PRINCIPLE

Good systems are defined by what they refuse to do.

An agent that moves money should never hold the key. A score should never invent the evidence it lacks. A record should prove the work without exposing the person who did it.

I design those limits first, then build the product around them — so people can trust it on the day it matters.

5products you can open today, each built around one hard limit
11products and prototypes shipped on this page
3chains shipped on — Celo, Base and Stellar
02 / THE WORK

Five products. One limit each.

Each film plays as you reach it. The limit is the product decision everything else was built around.

01FIELD REPORTING · OFFLINE FIRSTCAPTURE → SIGN → SYNC

Proof from the field. Not the person.

Zero personal data on-chain

Prufture lets community reporters document finished work with no signal. The phone signs the evidence and syncs when the network returns — the public record never shows who reported it, or exactly where.

02PRIVACY · STELLARREQUEST → CONSENT → ANSWER

Prove you qualify. Not who you are.

Answers, never documents

To sign a contract you still hand over your whole file. Knowni gives the other party only the answer it needs — valid ID: yes. The journey ran on a real iPhone against Colombia’s registry, and a Soroban contract on Stellar testnet verified a real zero-knowledge proof.

03CELO · MINIPAYVOICE → INTENT → SIGNATURE

Money moves only when you sign.

The agent never holds a key

Choco turns a spoken or typed instruction into a family remittance on Celo — from USDC to Kenyan shillings, with an on-chain receipt.

04FINTECH · MÉXICOSOURCE → SIGNAL → SCORE

A score that shows its work.

Missing evidence stays missing

Creva helps women entrepreneurs turn scattered financial data into an explainable score. Every signal points to its source and date.

05INSURTECH · COLOMBIAQUESTION → REASON → HANDOFF

A conversation with an exit.

A human takes over at the edge

Asegura guides people from “I don’t know what I need” to a reasoned insurance recommendation, by voice or text. A policy activates only after payment is confirmed.

Recorded on real builds · no mockups presented as working software

03 / HOW I BUILD

Say what it does. Then prove it.

I write down what a product does not do yet, right next to what it does. A claim points to evidence — a transaction, a test, a recording — or it stays off the page.

  • Money waits for a signature.The agent prepares; the person decides.
  • Evidence over inference.If a source is missing, the system says so.
  • Privacy by subtraction.Publish the outcome; keep the person off the record.
04 / SELECTED EXPERIMENTS

Built under pressure.

Hackathons are useful because the deadline is real. Each seal compresses one hard product decision into something people can use.

  1. Cerrojo06AI proposes. The wallet decides.
  2. Quick Analytical Agent07Abstains when the data is thin.
  3. R5 Cuadre08Explains every difference.
  4. Cockpit INVIMA09Quotes the exact folio.
  5. incloudy10One case, many specialists.
  6. Panini Exchange11No account. No cloud.
05 / END FRAME · START A CONVERSATION

Bring me the problem that must be right.