Matt Atencio

• Learning-science foundation: SM-2 spaced repetition, retrieval-practice-first home (reviews surface above new content), 70/30 interleaved review questions, and first-attempt accuracy bonuses that reward genuine mastery over grinding
• Pod / Module content model: atomic one-idea Pods for clean retrieval targets, Modules for scaffolded mini-courses, domain taxonomy across AI Engineering, Quant, ML, Business and more — designed to scale from ad-hoc captures to structured learning paths
• Engagement engine built on the Hook Model: streaks with freezes, repair, and milestone tiers (Bronze/Silver/Gold/Diamond at 7/30/100/365), daily XP goal with Casual/Regular/Intense commitment tiers, celebration overlays with particle confetti, and domain-accuracy tracking as the substrate for adaptive personalization

Public research artifact. Written as an engineer's honest appraisal of an emerging fintech infrastructure category — what makes the wedge real, what the structural risks look like, and how I'd build in it if I were on a founding team.

• Category map of reciprocal deposit and wholesale liquidity infrastructure — incumbents, challengers, and the wedge post-SVB
• Concept UI exploring the three operator personas a platform in this space has to serve: treasury, controller, and network admin
• System architecture decomposing a regulated network platform into services with clear trust boundaries and failure modes

Consumer mortgage platforms require 24/7 availability, strict regulatory compliance, and seamless integrations across identity, payments, and servicing vendors.

• Modernized authentication to secure multi-IDP OIDC proxy architecture
• Scaled client onboarding to 4–5 concurrent launches via automation
• Reduced telemetry costs by 50% through optimized observability strategy

Targets independent personal trainers and small fitness studios who need an integrated platform instead of paying for and stitching together a half-dozen separate SaaS tools.

• Role-based portals for managers, trainers, students, and clients, plus a studio kiosk mode
• Integrated CRM, scheduling, payroll, referrals, and reporting in a single operational workspace
• Education Portal with certificates, teaching practice, and workshops — powered by a student-facing portal and analytics dashboard

Solo developer productivity multiplier — automates the overhead of managing 14+ active projects, from morning planning through deployment and daily documentation.

• 36+ composable skills with YAML frontmatter, context isolation, and tool restrictions
• 7 specialized review agents for architecture, security, product, QA, and UI/UX
• Automated Slack/Discord intake pipelines with classification and GitHub routing