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Layer 1 · Evidence

Fintech & Payments

Fintech, payments, corporate cards and crypto.

The evidence

Required
Ramp
Cross-function (all employees)

L3 Systems builder. Building AI infra and skills that accelerate everyone on the team.

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Required
Ramp
Cross-function (all employees)

L2 Non-technical builder. Builds an app that automates part of their job. Can commit code using AI tools.

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Required
Ramp
Cross-function (all employees)

L1 Competent user. Tweaks GPTs, projects, and internal AI tools. Experimenting, but hasn't automated real work yet.

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Required
Ramp
Cross-function (all employees)

L0 Disengaged. Sometimes uses ChatGPT. These people likely won't be at the company long-term.

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Signalled
Coinbase
Engineering

Brian Armstrong stated publicly that ~40% of daily code at Coinbase is AI-generated and set a >50% target by October. Source is Armstrong's X post.

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