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Ramon Garate

Ramon Garate

Founder & payments/product leader — ex‑Stripe, ex‑Klarna, YC W24

ram
Berlin, Germany
Joined December 2024
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Network

7.5K connections
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Startup Founders & Tech Leaders
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Stripe Professionals
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Software Engineers & Leaders
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Klarna Professionals
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Fintech Product & Operations
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AI/ML & Data Scientists
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Product & Tech Professionals

Summary

Founder focused on payments and AI billing: Ramon co‑founded Lumen (YC W24), which packages usage tracking, credits and billing primitives so AI products can ship pricing and payments quickly. He writes and publicly documents choices around AI pricing models and credits, demonstrating a product-first approach to solving developer/AI billing problems. ycombinator+2
Engineering and payments/product background across fintech platforms: Ramon’s background includes engineering roles at Klarna and a stint at Stripe (cited in press and profile summaries), which informs his product focus on payments, pricing and integrating billing into AI products. sifted+2
Builder of open-source tooling and data‑science infrastructure: public GitHub repositories (bytebot, forks of Jupyter tooling, the-littlest-jupyterhub) and involvement with Pretzel AI indicate a sustained interest in developer tooling, data-science UX, and shipping open tooling for collaboration. github+1
Practical, rapid prototyper who values simple stacks: Ramon documents his prototyping stack (Next.js, Supabase, Lumen) and advocates pragmatic patterns (JSON per-user stores, RLS, credit systems) to iterate quickly — consistent with early‑stage founder/product work. getlumen+1

Work

Education

Projects

Writing

We were wrong about the future of AI

September 25, 2025

A short piece reflecting on LLM cost/performance trends since YC W24 and how pricing models (flat-fee, credits, usage-based, outcome-based) are evolving for AI products.

Favicon imagegetlumen.dev

How I prototype as a Y‑Combinator founder

September 9, 2025

A short post describing an opinionated stack and practices Ramon uses to prototype MVPs fast (Next.js, Supabase, Lumen), plus practical tips about RLS, storage and using credits for AI demos.

Favicon imagegetlumen.dev

Hobbies

Lighthearted personal interests: memes, Duolingo streaks, fonts (Comic Sans debate), social presence (Instagram/TikTok) — noted on personal homepage. ramongarate

Notes

FPFrancisco Polosaid
RGRamon Garate
is one of the most impressive people they've worked with at a startup.

Mar 16, 2026