Pavan Agarwal

and angel ai she will talk to you like a friend and you ask your financial questions you can ask her can you get me qualified for a mortgage can you one of the things that does is repair your credit it's so accurate right whatever it tells you i put my money behind it so if it says says dan you're approved to buy this ranch for 10 million dollars and if it if it did the calculations wrong or if it messed up and it wasn't supposed to say it guess what i would write you a check

and angel ai she will talk to you like a friend and you ask your financial questions you can ask her can you get me qualified for a mortgage can you one of the things that does is repair your credit it's so accurate right whatever it tells you i put my money behind it so if it says says dan you're approved to buy this ranch for 10 million dollars and if it if it did the calculations wrong or if it messed up and it wasn't supposed to say it guess what i would write you a check

I would anyways give you that loan for $100 million. So there's a warranty that comes with it. So we're the only financial services company that can issue a warranty like that.

I would anyways give you that loan for $100 million. So there's a warranty that comes with it. So we're the only financial services company that can issue a warranty like that.

immigrant came here when i was little and my father was in real estate so we bought and sold real estate i cleaned the toilets painted the house mowed the lawn did everything back when we were when we were kids and then we started a mortgage company and i started building technology and i was he he commissioned me at 11 to build all the technology for the mortgage company that's what i did i was good at math i was good at algorithms and and seeing patterns where there aren't any patterns

immigrant came here when i was little and my father was in real estate so we bought and sold real estate i cleaned the toilets painted the house mowed the lawn did everything back when we were when we were kids and then we started a mortgage company and i started building technology and i was he he commissioned me at 11 to build all the technology for the mortgage company that's what i did i was good at math i was good at algorithms and and seeing patterns where there aren't any patterns

And that kind of leads right into AI because that's what, you know, machine learning is all about is patterns, pattern recognition. And so it's really, you know, mortgage and the AI, as you said, are two different companies. And in a way, in my perspective, The mortgage company is a subset of the AI company. It's a byproduct of good AI.

And that kind of leads right into AI because that's what, you know, machine learning is all about is patterns, pattern recognition. And so it's really, you know, mortgage and the AI, as you said, are two different companies. And in a way, in my perspective, The mortgage company is a subset of the AI company. It's a byproduct of good AI.

And so we formally incorporated the AI company in 2012, 2013. Oh, wow. People couldn't even spell AI back then.

And so we formally incorporated the AI company in 2012, 2013. Oh, wow. People couldn't even spell AI back then.

Well, you know, AI has been around since the 50s. And I can make the argument that the Enigma machine used in World War II is AI. But we digress. Rabbit hole. We digress, yes. So in 2013, we moved to Puerto Rico from California. I grew up in SoCal. I went to UC Irvine.

Well, you know, AI has been around since the 50s. And I can make the argument that the Enigma machine used in World War II is AI. But we digress. Rabbit hole. We digress, yes. So in 2013, we moved to Puerto Rico from California. I grew up in SoCal. I went to UC Irvine.

And we moved to Puerto Rico and we incorporated the AI company in Puerto Rico because it's just an incredible tax structuring company. And the best place in the world to start a tech company because as you know, tech companies are all about capital gains. And when you incorporate in Puerto Rico, there's no capital gains. So definitely think about that.

And we moved to Puerto Rico and we incorporated the AI company in Puerto Rico because it's just an incredible tax structuring company. And the best place in the world to start a tech company because as you know, tech companies are all about capital gains. And when you incorporate in Puerto Rico, there's no capital gains. So definitely think about that.

5-0? 5-0.

5-0? 5-0.

Right. So that's an... All right, guys, I got to go. Right? So literally... You don't have to go, you know, half your capital raise problem is solved simply by being in Puerto Rico. It's fascinating. Because, you know, just imagine if you need $10 million, $5 million is coming from the government. It's like, you know, do it. It's there.

Right. So that's an... All right, guys, I got to go. Right? So literally... You don't have to go, you know, half your capital raise problem is solved simply by being in Puerto Rico. It's fascinating. Because, you know, just imagine if you need $10 million, $5 million is coming from the government. It's like, you know, do it. It's there.

Most people don't know about it, so I'm glad we're getting that message out. And second, so when we moved to Puerto Rico, amazing tax advantage all around. But the most important thing, the biggest reason is like, hey, we're going to build this tech company, we're going to build it in Puerto Rico. And we hired, you know, local Puerto Rico talent.

Most people don't know about it, so I'm glad we're getting that message out. And second, so when we moved to Puerto Rico, amazing tax advantage all around. But the most important thing, the biggest reason is like, hey, we're going to build this tech company, we're going to build it in Puerto Rico. And we hired, you know, local Puerto Rico talent.