# Arcady Lapiro

> Arcady Lapiro is a French fintech founder and operator based in New York. After serving on the founding and management team behind ProCapital and Fortuneo, where he worked across compliance, legal, risk and business development, he founded Agora Financial Technologies in 2018. Agora builds modular, cloud-based banking infrastructure intended to help community banks, credit unions and fintechs introduce new products without replacing their core systems.

- **Role:** Founder and Chief Executive Officer at Agora Financial Technologies
- **Organizations:** Agora Financial Technologies, ProCapital, Fortuneo, BlackFin Capital Partners, BNT Soft, Finn AI, Scanovate
- **Nationality:** French
- **Education:** Master's degree in Banking and Finance Law, Université Paris 1 Panthéon-Sorbonne
- **Known for:** Served on the founding and executive team behind ProCapital-Fortuneo during its growth into a large European digital-banking and securities-services group., Has said he managed more than 40 core banking conversions during his career., Founded Agora Financial Technologies in 2018.

## Career timeline

- **2000** — Joined the founding and management team of ProCapital-Fortuneo in France and Belgium, with responsibilities spanning compliance, legal, risk, internal controls and business development.
- **2005** — Was interviewed with a ProCapital colleague by a French financial-markets working group examining shareholder voting rights.
- **2006** — The ProCapital-Fortuneo group was sold to Crédit Mutuel Arkéa; Lapiro has said he was involved in the transaction.
- **2008** — Concluded his eight-year operating period with the ProCapital-Fortuneo group.
- **2011** — Moved to New York and later worked as a banking and fintech consultant and adviser.
- **2017** — Began a venture-partner and advisory relationship with BlackFin Capital Partners, according to his F6S profile.
- **2018** — Founded Agora Financial Technologies to help financial institutions add digital products without replacing their core systems.
- **2019** — Agora participated in the ICBA ThinkTECH accelerator; Lapiro was profiled by The Venture Center.
- **2020** — Agora introduced white-label teen and small-business banking products and announced a $2 million seed round.
- **2025** — Discussed modular banking, embedded finance, compliance and AI in a long-form Curiosity Code podcast interview.

## Achievements

- Served on the founding and executive team behind ProCapital-Fortuneo during its growth into a large European digital-banking and securities-services group.
- Has said he managed more than 40 core banking conversions during his career.
- Founded Agora Financial Technologies in 2018.
- Agora was selected for the Mastercard Start Path and ICBA ThinkTECH programs.
- Advised fintech companies including BNT Soft, Finn AI and Scanovate.
- Contributed an executive perspective to the World Cloud Report - Financial Services 2025.

## Latest updates

- **2026-06** — Published LinkedIn articles arguing that community banks face a relationship-level fintech threat and that stablecoins versus tokenized deposits is fundamentally an infrastructure and user-experience question.
- **2026-01** — Published an article on global fintech companies seeking US banking licenses.
- **2025-07** — Published articles about stablecoin infrastructure and the opportunity the intergenerational wealth transfer creates for community banks.
- **2025-02** — Appeared on The Curiosity Code podcast to discuss modular banking, legacy cores, compliance, embedded finance and AI.
- **2025-01** — Was listed as a contributor to Capgemini's World Cloud Report - Financial Services 2025.

## Links

- Website: https://agoraft.com
- LinkedIn: https://www.linkedin.com/in/arcadylapiro

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Profile page: https://yespress.io/arcady-lapiro
Published by YesPress — https://yespress.io
Last updated: 2026-10-08