Dots is a San Francisco-based global payouts infrastructure company that lets marketplaces, platforms, and service businesses pay workers, sellers, and creators anywhere through a single end-to-end API. One integration unifies bank transfers, PayPal, Venmo, Cash App, and stablecoins, and bundles recipient onboarding, KYC/anti-fraud, and tax form collection so platforms can move money to over 1 million payees across 190+ countries without building payment rails themselves.
Xendit is a Southeast Asian payments infrastructure company that lets businesses accept, process, and disburse money across Indonesia, the Philippines, Malaysia, and the wider region through a single API. Founded in 2015 and the first Indonesian company backed by Y Combinator, it handles virtual accounts, e-wallets, cards, QR codes, payouts, and fraud prevention for startups, marketplaces, and global enterprises expanding into the region.
Finix is a San Francisco-based payments infrastructure company that gives software platforms, marketplaces, and retailers the tools to own their payments end-to-end. Built around a no-code/low-code PayFac-as-a-Service model and a developer-friendly API, Finix lets SaaS companies monetize payments, manage merchants, and route money across cards, ACH, and wallets without becoming a registered payment facilitator themselves.
Marshall Jones is the CTO and Co-Founder of Very Good Security (VGS), a San Francisco-based fintech company that has become the world's leader in payment tokenization with over 5 billion tokens stored. He co-founded VGS in 2015 alongside Mahmoud Abdelkader after building PCI-compliant payment vaults at Balanced Payments (later acquired by Stripe). Under his technical leadership, VGS has raised over $104 million in funding from top investors including Andreessen Horowitz, Goldman Sachs, and Vertex Ventures, serving Fortune 500 companies, merchants, fintechs, and banks globally.
Richie Serna is the CEO and co-founder of Finix, a full-stack payments infrastructure company he built from the ground up in San Francisco. A Harvard-educated son of Mexican immigrant parents from Santa Ana, California, Serna left management consulting at Booz & Company, taught himself to code, and joined Balanced - the first payments API for marketplaces - before founding Finix in 2015. Today, Finix has raised $205.5M in total funding (including a $75M Series C in October 2024) and has become a direct-connection payment processor competing with Stripe, Adyen, and Braintree, serving software platforms and marketplaces processing billions of dollars annually.
VGS (Very Good Security) is a payments tokenization and credential management platform that lets companies process and store sensitive card data without ever touching it themselves. Founded in 2015 by Mahmoud Abdelkader and Marshall Jones, the San Francisco company runs a composable Card Management Platform, a PCI-compliant Vault, and network value-added services used by Fortune 500s, fintechs and banks - having crossed 5 billion tokens managed as of 2025.
Matt Marcus is the Co-Founder and CEO of Modern Treasury, the San Francisco-based payment operations platform that processes hundreds of billions of dollars annually for companies like Gusto, Navan, and Procore. A Dartmouth computer science grad and former competitive rower, Marcus spent a year at LendingHome building the payment system that processed over $3 billion in mortgage loans - and that experience became the blueprint for Modern Treasury. He co-founded the company in 2018 with Sam Aarons and Dimitri Dadiomov, went through Y Combinator's Summer 2018 batch, and has raised $183M in total funding. In July 2025, he transitioned from CPO to CEO, steering Modern Treasury toward unified fiat and stablecoin payment rails following the acquisition of Beam.