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santiago suarez

T2 · manager / operator

Co-founder and CEO of Addi, a Latin American fintech company offering digital payments and consumer credit.

6 calls·5 names·83% bull·last heard 2 months ago·a16z
track record

no scored calls yet — needs a stated position or a categorical verdict, with a matured window vs SPY

top calls

highest conviction · one per company
1sthigh conviction
$ADDIAddiposition

Addi treats Latin American credit as a technology wedge

Addi's founder frames the company as a technology platform first, not just a lending business. The thesis is that strong customer economics and equity value compound from building proprietary product and risk infrastructure in an underpenetrated Latin American credit market.

a16z2026-06→
2ndmedium conviction
$DATABRICKSDatabricks

Addi partnered with Databricks 5 years ago to vectorize events in real time

Addi's decision to partner with Databricks five years ago to process 10M+ daily events in vector format was key to its leap into agents. Early validation of the Databricks stack for AI-native companies outside the Valley.

a16z2026-06→
3rdmedium conviction
$KSPIKaspi

Suarez points to Kaspi as the blueprint: single-country focus and NPS as sole metric

Kaspi showed you can build a fintech giant focused on a single country; PMs measured solely on NPS, no P&L, and ignored the equity market for 5-10 years. A case study that validates Addi's strategy in Colombia.

a16z2026-06→

most discussed · click a bar to filter

6 total
$ADDI
Addi
HIGHsantiago suarez·a16z·2 months ago· position
Addi treats Latin American credit as a technology wedge
Addi's founder frames the company as a technology platform first, not just a lending business. The thesis is that strong customer economics and equity value compound from building proprietary product and risk infrastructure in an underpenetrated Latin American credit market.
"remember you're a technology company... we have incredible customer economics, all these things are only possible cuz we're a technology company... that's actually where a lot of…"
34:34
$DATABRICKS
Databricks
MEDsantiago suarez·a16z·2 months ago
Addi partnered with Databricks 5 years ago to vectorize events in real time
Addi's decision to partner with Databricks five years ago to process 10M+ daily events in vector format was key to its leap into agents. Early validation of the Databricks stack for AI-native companies outside the Valley.
"we generate over 10 million events per day. these event architectures we used Kafka for hours are brutal to query. So, that's why most people end up moving away from this. And aga…"
22:01
$ADDI
Addi
HIGHsantiago suarez·a16z·2 months ago· position
Addi serves 25% of Colombia with 200+ agents and resolves 80% of customer service without humans
Addi scaled to 3M consumers, 50K merchants, a banking license and 200+ agents in production. A mono-repo plus event sourcing plus Databricks stack built 5-7 years ago put them in ideal AI-native position; training their own transformer (IDNA).
"We serve over 3 million consumers or 50,000 merchant partners. We have incredible cost to serve economics. Over 200 agents in production. We built our own in-house agents that cur…"
18:26
$MELI
···
MercadoLibre
LOWsantiago suarez·a16z·2 months ago
Addi hires a CFO with 11 years at MercadoLibre to scale its regional operation
Suarez brings on a CFO with an 11-year career at MercadoLibre as a signal of the operational discipline he admires. MELI remains the benchmark for LatAm talent in fintech and marketplaces.
"we brought our new CFO. And the new CFO has an 11-year career at Meli, and this board member asked him, 'Hey, what is the thing that surprised you the most?' And he's like, 'How w…"
5:08
$KSPI
···
Kaspi
MEDsantiago suarez·a16z·2 months ago
Suarez points to Kaspi as the blueprint: single-country focus and NPS as sole metric
Kaspi showed you can build a fintech giant focused on a single country; PMs measured solely on NPS, no P&L, and ignored the equity market for 5-10 years. A case study that validates Addi's strategy in Colombia.
"the right comp is this country company in Kazakhstan. He was like, 'I think NPS for a company with less than 1,000 employees is a terrible metric. You should just listen to custom…"
12:42
$ANTHROPIC
Anthropic
LOWsantiago suarez·a16z·2 months ago
Suarez cites Anthropic's mono-repo as late validation of his architectural decision
Seven years ago, when microservices were the standard, Addi built on a mono-repo. Today Anthropic and Google run on mono-repos, which makes it easier for agents to read the entire codebase — a structural advantage for AI-native development.
"We built a company on a mono repo as opposed to microservices. Mono repos today are all the rage. Anthropic is built on a mono repo. Google obviously famously is a mono repo compa…"
20:40