DREAMER LABS
DREAMER LABS • PAYMENTS & FINANCE • FIFTEEN YEARS IN • DREAMER LABS • PAYMENTS & FINANCE • FIFTEEN YEARS IN •
By referral · Welcome

Making the internet's money move, with purpose.

Dreamer Labs is a workshop for all things payments, lending, digital banking and AI; run by O, who co-founded Rewire (acquired by Nasdaq-listed Remitly for $80M) and shipped payments at Meta.

Open to embedded finance engagements. Grow your revenue and engagement.
15Years in payments
05Successful strategy enhancements
03Ventures in the family
★ INTERNET COMPANIES★ FINANCIAL INSTITUTIONS★ EMET★ REWIRE → REMITLY★ META★ CREDIT★ LENDING★ PAYMENTS★ CARDS★ FACTORING★ BANKING★ AI ★ INTERNET COMPANIES★ FINANCIAL INSTITUTIONS★ EMET★ REWIRE → REMITLY★ META★ CREDIT★ LENDING★ PAYMENTS★ CARDS★ FACTORING★ BANKING★ AI
// Who this is for

Three doors in.

01 / INTERNET COMPANIES

Embed financial services, keep the upside.

Payments, credit and lending built into the product you already have, for revenue and engagement, not a bolt-on.

Let's build it →
02 / EMET PROSPECTS

You're in the right place.

Emet is Dreamer Labs' venture in agentic payments security. If Emet sent you here, say so in your note below, and let's talk.

Reach out about Emet →
03 / FINANCIAL INSTITUTIONS

New product, new strategic ground.

Credit, lending, cards, factoring, M&A and equity investment opportunities; all things fintech, shaped by someone who has sold directly into banks before.

Explore a partnership →
// Portfolio

What's live right now.

Live 02

Agentic Payments

Automated purchasing and reordering, built into the tools businesses already use.

Payments · Commerce
In Progress 03

Credit & Lending for Agents

Financial infrastructure for autonomous buyers; credit and lending, built for a new kind of customer.

Credit & Lending · Infrastructure
// Client work

Five real engagements, not slides.

01
Lending rails for a consumer platformLending · Payments
Built lending flows and payment orchestration for an internet company entering embedded finance for the first time.
LendingPayments
02
Card issuing & program strategyCards · Banking
Structured a card issuing program end-to-end: partner selection, economics and go-to-market for a growth-stage platform.
CardsStrategy
03
Factoring & working-capital productFactoring · Lending
Designed a factoring product to unlock working capital for a marketplace's supply side, from pricing to risk to rollout.
FactoringRisk
04
Payments strategy, sold to a bankPayments · Institutions
Advised and sold a new payments strategy directly to a financial institution, opening a new product line at the bank level.
PaymentsInstitutions
05
Privacy & security for financial servicesPrivacy · Security
Led a product overhaul to adapt a privacy and security platform for banks and financial institutions.
PrivacySecurity
// Before Dreamer Labs

The résumé version.

2022 Meta

Meta

Product Manager inside the Facebook Lite org, scoping payments for emerging markets across MENA, APAC and LATAM.

Product Manager · Payments, Emerging Markets
YC W21 2020–2021

With Element

Founded a Y Combinator–backed venture at the intersection of fintech, creators and personal finance, based in NYC.

Founder · Fintech / Creator Economy

Give it time. This becomes the place where it all compounds.