James Reggio

speaker

667 appearances 1 recordings 1 series first heard Jan 2026 last heard 17 Jan

James Reggio’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.

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Latent Space: The AI Engineer Podcast · Brex’s AI Hail Mary — With CTO James Reggio · 17 Jan 2026 podcast

And I I would say that still for very small uh businesses, our offering isn't it's not built for that.

It's built for it's built

For companies that have a s some degree of scale, typically have at least sort of one person, if not a couple people in the their finance team.

So we consider these to be more like the the commercial segment.

And so it rhymes with with SB, but our approach back then was uh was a little bit more naive.

And I would say we also

We were just going for a volumes uh like a volume game there.

Uh our our internal controls were not as strong.

We didn't have as much experience like underwriting those businesses.

And so it it it was really ended up being a huge uh burden for the business, uh almost existential uh for us to have those tens of thousands of customers that all were uh ROI negative.

Uh and so we're we're trying to basically scale to serve more businesses.

outside of tech and outside of like the market segment, but um but do it thoughtfully.

So I think right now

our um our minimum threshold is is uh like a million dollars a year in recur uh in in annual revenue or um or like ten thousand dollars or more per month in in card transactions is kind of being like the low end of our I C P which is obviously not what you would think when you think of a small business.

Like small businesses tend to still be smaller than that.

Oh wow that's really small.

Okay.

Yeah.

Mid market.

Yeah, exactly.

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