# Carlo Kobe

> Carlo Kobe is the co-founder and CEO of Mine (formerly Fizz), a New York fintech building credit-building debit cards and AI-powered money tools for Gen Z. A German immigrant who dropped out of Harvard at 19 to join Y Combinator's Summer 2021 batch, he built the company after being denied a credit card in Harvard Square because his parents couldn't co-sign. Mine has grown to roughly a million users, about $10M in annual recurring revenue, and raised around $28.5M from Kleiner Perkins, 359 Capital, SV Angel, and Y Combinator.

- **Role:** Co-Founder & CEO at Mine (formerly Fizz)
- **Organizations:** Mine (formerly Fizz), Y Combinator (S21), Merantix, Forbes Finance Council
- **From:** Germany
- **Nationality:** German
- **Education:** Statistics and Economics (did not complete; dropped out 2021), Harvard College
- **Known for:** Co-founded and leads Mine (formerly Fizz), scaling it to roughly 1 million users and about $10M in annual recurring revenue., Raised approximately $28.5M total across seed and Series A rounds from Kleiner Perkins, 359 Capital, SV Angel, and Y Combinator., Fizz named best credit builder for students by Business Insider.

## Career timeline

- **2019** — Enrolls at Harvard College to study statistics and economics.
- **2020** — Works as a Product Manager at Merantix, a Berlin-based AI research lab.
- **2021** — Drops out of Harvard at 19 and co-founds Fizz with Scott Smith; joins Y Combinator's Summer 2021 batch.
- **2024** — Raises $14.4M seed round led by Kleiner Perkins; Fizz reaches tens of thousands of users across 300+ colleges.
- **2024** — Interviewed on the Fintech One-on-One podcast (Dec 20, 2024).
- **2026** — Rebrands Fizz to Mine and raises a $14M Series A led by 359 Capital; company reaches ~1M users and $10M ARR.

## Achievements

- Co-founded and leads Mine (formerly Fizz), scaling it to roughly 1 million users and about $10M in annual recurring revenue.
- Raised approximately $28.5M total across seed and Series A rounds from Kleiner Perkins, 359 Capital, SV Angel, and Y Combinator.
- Fizz named best credit builder for students by Business Insider.
- Named a top 50 consumer fintech company by Portage.
- Member of the Forbes Finance Council.
- Built the company after being backed by the founders of multiple unicorns (Handshake, Postmates, Public.com).

## Latest updates

- **2026-01** — Rebranded Fizz to Mine and closed a $14M Series A led by 359 Capital; company reported ~1M users, 70% under 30, and ~$10M ARR.

## Links

- Website: https://joinfizz.com
- LinkedIn: https://www.linkedin.com/in/carlokobe
- Twitter/X: https://twitter.com/CarloWillem
- YouTube: https://www.youtube.com/watch?v=Dl1X8E_gxeo
- Facebook: https://facebook.com/JoinFizzFB/
- TikTok: https://www.tiktok.com/@joinfizz

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Profile page: https://yespress.io/carlo-kobe
Published by YesPress — https://yespress.io
Last updated: 2026-07-01