# Ronak Vyas

> Ronak Vyas is the co-founder and chief technology officer of Lead Bank, where he leads engineering for an API-driven financial infrastructure platform spanning payments, lending, cards, accounts, and stablecoin products. His career traces a progression through large-scale systems: senior engineering roles at EXP Systems and VeriSign, mobile applications and Yahoo Mail at Yahoo, lending and bank infrastructure at Square, and since 2022 the rebuilding of a century-old community bank for fintech clients.

- **Role:** Co-Founder and Chief Technology Officer at Lead Bank
- **Organizations:** Lead Bank, Block (Square), Yahoo, VeriSign, EXP Systems, Sabre
- **Education:** Bachelor of Science in Electrical Engineering, Birla Institute of Technology and Science, Pilani, Master of Science in Electrical Engineering, Iowa State University
- **Known for:** Led the multi-year rearchitecture of Yahoo Mail's core infrastructure, serving hundreds of millions of active users and processing hundreds of billions of daily transactions., Led teams that built Square Capital's core lending platform and foundational banking infrastructure for Square Financial Services., Architected and helped build Lead's financial infrastructure platform across payments, lending, cards, accounts, and stablecoin products.

## Career timeline

- **Before 2000** — Held an engineering leadership role at Sabre.
- **1999-2002** — Held engineering leadership roles at EXP Systems.
- **2002-2008** — Served in engineering leadership at VeriSign, including Digital Content and Messaging Services.
- **2008-2017** — Joined Yahoo in mobile engineering and later served as VP of Engineering, leading work including the multi-year rearchitecture of Yahoo Mail.
- **2017-2022** — Led engineering for Square Capital and Square Financial Services, including the core lending platform and foundational bank infrastructure.
- **2022-present** — Co-founded Lead Bank and became CTO, leading engineering for its financial infrastructure platform.
- **2025-09** — Lead closed a $70 million Series B at a $1.47 billion post-money valuation.
- **2026-05** — Lead was ranked No. 34 on CNBC's 2026 Disruptor 50, its third consecutive appearance.

## Achievements

- Led the multi-year rearchitecture of Yahoo Mail's core infrastructure, serving hundreds of millions of active users and processing hundreds of billions of daily transactions.
- Led teams that built Square Capital's core lending platform and foundational banking infrastructure for Square Financial Services.
- Architected and helped build Lead's financial infrastructure platform across payments, lending, cards, accounts, and stablecoin products.
- Co-founded the current iteration of Lead Bank after its 2022 acquisition by a team of former Square executives.
- Helped scale Lead to a platform that reports $4 billion in client assets, more than $31 billion in annual loan originations, 4.15 billion annual API calls, and more than 30 million end users.

## Latest updates

- **2026-08** — Lead continued publishing its stablecoin infrastructure series, including a field guide to payment networks.
- **2026-06** — Lead announced work with Mastercard on expanded settlement capabilities, including stablecoin, intraday, holiday, and weekend settlement options.
- **2026-05** — Lead ranked No. 34 on CNBC's 2026 Disruptor 50, its third consecutive year on the list.
- **2026-03** — Lead, Visa, and Bridge announced an expansion of stablecoin settlement.
- **2025-09** — Lead closed a $70 million Series B at a $1.47 billion post-money valuation.
- **2025-04** — Vyas discussed leadership, fast decision-making, technical depth, and the transition to founder on The Tech Trek podcast.

## Links

- Website: https://www.lead.bank/company/team/ronak-vyas
- LinkedIn: https://www.linkedin.com/in/ronakvyas

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Profile page: https://yespress.io/ronak-vyas
Published by YesPress — https://yespress.io
Last updated: 2026-09-27