Maria Camila Ramirez

[Maria Camila Ramirez @MCamilaRamirez]

@petrogustavo Andate 🐀

[Maria Camila Ramirez @MCamilaRamirez]

The best business decision I made this week happened at a dinner table.

No slides. No agenda.

25 people, 8 countries, 3 hours of unstructured time.

We move faster now. Not despite the workation. Because of it.

[Maria Camila Ramirez @MCamilaRamirez]

A contractor in Venezuela called at 11pm. Payment blocked.

Six months ago: we caught it manually. After it failed.

Now: the system flags it before the payment runs.

That's the AI nobody writes about. Because it doesn't make a good press release.

[Maria Camila Ramirez @MCamilaRamirez]

25 people. 8 countries. One dinner bill.

Someone opened Splitwise.

I opened the Ontop app. Money moved in 30 seconds.

The person next to me had no idea we could do that.

The people building the contractor economy are living it.

[Maria Camila Ramirez @MCamilaRamirez]

I just found out one of our teammates rescues at least 3 animals every year

That came from a dinner in Mexico. Not a 1-1. Not a Slack message.

The best intel I have on my team never came from a meeting.

[Maria Camila Ramirez @MCamilaRamirez]

Every fintech has an AI strategy. Almost none have rebuilt their compliance stack.

Real AI: a contract that used to take 3 days takes 30 seconds. A payment exception caught before it's a blocked account.

Nobody writes press releases about that. That's how you know it's real.

[Maria Camila Ramirez @MCamilaRamirez]

The best hire I made this year works from Manizales, Colombia.

Most US companies can't pay her. Not because it's illegal. Because the tools they're using were built before remote work became the default.

The talent arbitrage is real. The infrastructure gap is realer.

[Maria Camila Ramirez @MCamilaRamirez]

@ontop_hq Nobody hands you a playbook for building something that doesn't exist yet. The only skill that actually matters is getting comfortable with making decisions before you're ready.

[Maria Camila Ramirez @MCamilaRamirez]

Year 1: 4 people, no product-market fit at @ontop_hq .

[Maria Camila Ramirez @MCamilaRamirez]

@ontop_hq Year 5: profitable, 150+ countries, team I'm proud of.

[Ontop @ontop_hq]

Most startups talk about vision. Very few survive execution.
@MCamilaRamirez joined Ontop when nothing existed.
No rails. No systems. No playbook.

Today:
→ 190+ countries
→ $1B+ in cross-border payments
→ Profitable fintech at scale

That’s what real operators look like.

https://t.co/kNhdBHE63D

[Ontop @ontop_hq]

As the way we work changes, paying freelancers, gig workers and remote teams across borders is becoming a core business need. With @ThunesPayments ' direct-to-workforce solution, businesses can now deliver compensation instantly, whenever and wherever it’s needed: real-time payouts to 12 billion bank accounts, mobile wallets and stablecoin wallets across 140 countries.

[Ontop @ontop_hq]

Every dollar you burn on EOR fees is a dollar not going to product, growth, or hiring.

10 global hires × $550/mo savings = $66K/year back in your treasury.

That's runway. That's leverage.

[Tech Week @Techweek_]

🚨 Giveaway Alert! 🚨

We’ve teamed up with @litcapital to give you a chance to snag some exclusive Tech Week sweaters! Don’t miss out ⤵️

Like, retweet, and follow to enter 🎉🎉

[litquidity @litcapital]

This October, I’m helping bring Tech Week to CA. To kick things off, we’re giving away 100 limited-edition Lit x Tech Week sweaters and a few invites for exclusive events

To enter:
- like this post
- retweet
- follow both @litcapital and @Techweek_

See you there 🤝

[Maria Camila Ramirez @MCamilaRamirez]

@adriancarabias @deel @ontop_hq Ontop 🚀! Te mandé un DM

[Maria Camila Ramirez @MCamilaRamirez]

@brianrequarth Congrats on building a strong solution for Latam founders. Synced w/ this, we built Ontop Stronghold Account for non US co's connected to payroll, fully secured & backed by the strongest financial institutions. Proud we got a lot of help from Latitud, happy to help back @ontop_hq