Financial infrastructure is being rebuilt from three directions at once: real-time payment rails, programmable money and AI that can underwrite, reconcile and advise. Each lowers the cost of building a financial product. Together, they reset what a small team can launch.
We know this ground. Joaquim co-founded a fintech consultancy that grew from 4 to 120 people in nine months, co-founded TrustSwap, a platform for escrow and capital formation, and was Chief of Staff at Secure Digital Markets as the team grew from 9 to 40. He is also a mentor, advisor and LP at Holt Xchange, and a mentor at Form Fintech Cadence.
The most interesting companies serve people the incumbents overlook: global freelancers, remote-first companies, small businesses and communities that banks never built for.