fintech-api
(2)
Sivo
Sivo is a debt-as-a-service platform that lets fintechs, neobanks and platforms lend money to their users at scale without raising their own debt capital. Founded by serial operator Kate Hiscox and part of Y Combinator's Winter 2021 batch, Sivo pitches itself as a 'Stripe for debt' - turning a debt facility that traditionally takes months to close into an API call. It has since expanded into instant payouts, embedded capital, and tokenized real-world receivables.
Hitoshi Harada
Hitoshi Harada is the Co-Founder, CTO, and CPO of Alpaca Markets - the fintech unicorn building what he calls the 'Global Financial OS.' A Keio University-trained computer scientist who rewrote parts of PostgreSQL (Window Functions, PL/v8), Harada spent years building distributed databases at Greenplum before co-founding Alpaca in 2015 with Yoshi Yokokawa. The company, named after an alpaca they spotted on a Silicon Valley billionaire's estate, has grown to command 94% of the global tokenized US equities market, serve 300+ financial institutions across 40+ countries, and reach unicorn status at $1.15B valuation with a $150M Series D in January 2026.