Fintech Founders
A verified directory of 386 fintech founders — sorted by licensing path, vertical and whether they have a live regulated product. Preview free, unlock the full list with a free Articuler account.
Last verified
- 386
- Fintech founders
- 217
- Live regulated product
- 34%
- Raising now
- 29%
- Second-time founders
Verified in the last 30 days
Shipped, not just licensed
Active round or announced intent
Previously exited or wound down
Free preview
6 of 386 profiles
Names, roles, companies and live signals are public. Verified emails and LinkedIn URLs stay masked until you sign in.
- 01
Océane Mbeki-Thornbury
Co-founder & CEO · Ashcombe Rails
New York, NY
Migrated off a sponsor bank under a 90-day deadline last winter; shipped again in March.
- Bank partnership / BaaS
- Payments
- Series A
- Sponsor migration
- o•••••@ashcomberails.com Locked
- 02
Ptolemy Van Der Aalst
Founder · Quillfeather Credit
Charlotte, NC
Holds lending licences in 31 states; nothing shipped in 14 months.
- Money transmitter only
- Lending & credit
- Seed
- Licensed, pre-launch
- p•••••@quillfeathercredit.com Locked
- linkedin.com/in/•••••• Locked
- 03
Ndidi Sorensen-Marchetti
Co-founder & CEO · Bellhaven Custody
Chicago, IL
Second company; sold the first to a core banking vendor in 2023.
- Own charter or licence
- Infrastructure & compliance
- Series B+
- Second-time
- n•••••@bellhavencustody.com Locked
- linkedin.com/in/•••••• Locked
- 04
Aurelio Kirchhoff-Baye
Founder · Nettlefold Wealth
Boston, MA
Pre-seed, eight months in, running a waitlist rather than a product.
- Unregulated surface
- Wealth & investing
- Pre-seed
- Pre-launch
- a•••••@nettlefoldwealth.com Locked
- linkedin.com/in/•••••• Locked
- 05
Sigrún Adeyemi-Falk
Co-founder & CEO · Warrenby Cover
Austin, TX
Embedded insurance in three distribution partners; announced a Series A in June.
- Bank partnership / BaaS
- Insurance
- Series A
- Raising closed
- s•••••@warrenbycover.com Locked
- linkedin.com/in/•••••• Locked
- 06
Bartholomew Ncube-Salvatierra
Founder & CTO · Grindlow Compliance
San Francisco, CA
Sells transaction monitoring to other fintechs; buys tooling monthly and decides alone.
- Unregulated surface
- Infrastructure & compliance
- Seed
- Fast buyer
- b•••••@grindlowcompliance.com Locked
- linkedin.com/in/•••••• Locked
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Frequently asked questions
- Why is licensing path the first breakdown rather than stage?
- Because it predicts more. A founder on a bank partnership answers to a sponsor bank's compliance team and cannot ship without them; one with their own charter moves slower but owns the rails; one on an unregulated surface can ship next week. Two founders at identical funding stages with different licensing paths run completely different companies, and stage alone hides that.
- What happened to the BaaS cohort?
- 134 are still on a bank partnership, and that number has been falling. Sponsor banks tightened sharply after the 2024 consent orders, and several founders here have been through a forced migration between sponsors — an expensive, months-long project that shapes what they will and will not buy for a year afterwards.
- What does "live regulated product" actually mean?
- 217 of 386 have a product in market that touches money movement, credit or custody under a real licence or sponsor. The rest hold a licence with nothing shipped, or are pre-launch. It is the honest version of "traction" for this sector, where announcing a charter and serving a customer are years apart.
- Are crypto founders in this list?
- Only where the product is financial rather than protocol — a custody or payments business, not a token launch. It is a judgement call and reasonable people draw it differently, so filter on vertical if your definition is narrower than ours.
- Why are 29% second-time founders, far above other sectors?
- Fintech has a high barrier to a first attempt: licences, sponsor relationships and compliance hires are hard to acquire without having done it once. That concentration means the population skews toward people who already have a network and are unusually unresponsive to generic outreach.
- Which of these are worth contacting about infrastructure?
- The 61 in infrastructure and compliance buy tooling for a living and evaluate quickly. The 134 on bank partnerships buy under sponsor constraints, so anything touching data residency or model risk needs the sponsor's answer before theirs.