Ayo Omojola is founder and General Partner at Refract Ventures & Founder & CEO at Substrate Intelligence.Ayo was previously the Chief Product Officer at Carbon Health, and the head of product for Cash App Banking.

Mr. Omojola has been an executive or investor in several dozen technology startups, including companies like Block (fka Square), Carbon Health, Bridge, Faire, Abridge and more. He serves as an independent board director at Pinwheel and Lead Bank.