From the Inside Out

I spent over a decade inside payments banking—Head of Fintech, Head of Sales, COO, Product Lead—at UK banks, payment providers, and crypto platforms. I've sat in the rooms where decisions get made about which businesses get accounts and which get shown the door.

I've built payment infrastructure for crypto companies when most banks wouldn't return their calls, and I've watched the internal risk committees that decide your fate without ever meeting you.

That experience gave me something valuable: I understand how banks actually think about your industry. Not the polished rejection letter—the real conversation happening behind closed doors. The risk appetite discussions, the compliance concerns, the reputational calculations. When you've processed billions annually for clients across the risk spectrum, you learn where the real boundaries are versus where banks just say they are.

I've also watched too many legitimate businesses lose banking overnight. Not because they did anything wrong, but because they were in the wrong category on someone's risk matrix. Now I help businesses navigate a system that was never designed for them—and increasingly, find alternatives that were.

How I Work

I'm an independent advisor, not a payment provider. I don't process your transactions or hold your funds. What I do is maintain relationships across traditional banking, payment providers, and stablecoin infrastructure—then recommend what actually fits your situation, not what pays me the highest referral fee.

Sometimes that's a traditional banking relationship. Sometimes it's stablecoin rails. Often it's both.

What I Bring

• 10+ years in payments banking at senior level (UK banks, PSPs, crypto platforms)
• Direct experience building payment services for high-risk and crypto clients
• Relationships across traditional and stablecoin infrastructure providers
• Understanding of both regulatory frameworks and practical compliance
• No provider allegiances—recommendations based on fit

Industry Statement

FX and CFD brokers occupy an uncomfortable space in payments: sophisticated enough to need institutional-grade infrastructure, but classified as high-risk by banks who've never examined your compliance program.

I've worked with brokers across the tier spectrum—from regulated EU entities to offshore operations—and understand that "high-risk" is a category, not a character judgment. Your payment challenges are structural, not moral.