Consumer fintech under strict compliance
Currently at dub, America's first regulated copy trading platform (SEC, FINRA). Previously lead engineer at Better (YC W22), a neobank with embedded insurance.
ENGINEER · BUILDER · AI
Joshua de Guzman
Software engineer shipping AI into consumer products. On-device LLMs, agentic systems, native apps.
NowSenior Engineer at dub, America's first regulated copy trading platform.
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01Expertise
What I work on.
LLMs in consumer products
Hosted LLMs powering flight prediction systems and consumer assistants. On-device LLMs running locally on iOS and macOS for Lume (wealth) and KeepAuto (vehicle). Apple Foundation Models, MLX, Gemma 3.
Years building software and systems
Mobile, backend, and AI engineering across consumer products serving tens of millions of users. Freelancer.com, Freightlancer (Loadshift), Wayflight, plus indie and client work in between.
02Experience
Selected work from companies and personal projects.
I also automate workflows and ship internal tools that enable engineers to focus on building and help run the business.
Selected work
dub
America's first regulated copy trading platform. Flutter brokerage app shipping inside SEC and FINRA compliance constraints.
2M+ DOWNLOADS
FlutterC#
Wayflight
Live flight tracking on iOS and Android. Live Activities, Dynamic Island, and Android live notifications over a shared Flutter surface.
10K+ DOWNLOADS
FlutterGCP
Lume
Private wealth tracking powered by local, open-source LLMs. Accounts and holdings analyzed entirely on-device.
On-device: Gemma 3, MLX, Apple Foundation Models
PRIVATE AI
AILLMsmacOS
Freelancer.com
World's largest freelance marketplace, 50M+ users. Two years on the mobile platform across Java, Kotlin, Swift, and Objective-C.
5M+ DOWNLOADS
AndroidiOS
Freightlancer
Australia's heavy-haulage marketplace, now Loadshift. Same Freelancer mobile stack, very different domain.
AU's #1 HEAVY-HAULAGE
AndroidiOS
Better - YC W22
Neobank with embedded insurance, YC W22. Flutter app over Plaid and Argyle, built for households one emergency from default.
10K+ USERS
FlutterJavaScript
Habitcue
Habit app modeled on cue-routine-reward. Live Activities, Apple Watch, and SwiftData wired around a system that disappears once the habit sticks.
Shipped in 1 week
SwiftWidgetKit
KeepAuto
Car maintenance log that travels with the car. OCR'd receipts and service history analyzed on-device with Apple Vision and Foundation Models.
On-device: Apple Vision, Foundation Models
#2 iOS App Store
SwiftiOSmacOS
Recent writing
May 21, 2026Apple Intelligence in Swift: Past the DemoIntegrating Foundation Models into a shipped iOS app: what it actually takes.Code↗May 19, 2026Restrict Every API KeyTruffle's research and a wave of Gemini billing incidents make it clear: the 'API keys aren't secrets' decade is over. Here's what to do about it.Code↗Apr 14, 2026KeepAuto: The Missing Layer For Everywhere Carfax Isn'tA private, offline-first car maintenance log built for the markets without a national service-history database.Case study↗Apr 01, 2026Wayflight: The Competitive Alternative For Live Flight TrackingReal-time flight tracking on iOS and Android, priced for travelers who don't fly for a living, with privacy that's load-bearing from day one.Case study↗Nov 22, 2025Deep Dive: Gemini 3 Pro Vs Gemini 2.5 Pro For Building Modern UIsPutting Gemini 3 Pro vs Gemini 2.5 Pro to the test using Google AI Studio.Code↗
Select companies
Better - YC W22
FREIGHTLANCER
Better - YC W22
FREIGHTLANCER
Scroll to reveal
Better - YC W22
FREIGHTLANCER
03Community
Where I show up.
Google Developer Expert
Recognized by Google as a Developer Expert for sustained contribution to the developer ecosystem.
GDE profile ↗Flutter Philippines
Community lead. Maintain the community site and help grow the local meetup of Flutter engineers in the Philippines.
04Contact
Up for a coffee chat?
Always happy to chat about AI, on-device LLMs, agentic workflows, or anything interesting in modern app engineering. Async or video, both work. hi@joshuamdeguzman.com.