Apto is our quest for better.When you work with banks and regulators, you respect the checks and balances that keep consumers safe and learn the ins-and-outs of how to make progress in a complex system. Most importantly, you also spend a great deal of time thinking about how things can be improved.From day one, we wanted to push the envelope. We set out to democratize card issuance and empower any company, at any size, in any industry, to design and launch new kinds of card programs. In 2015, we launched the first U.S., bitcoin-backed, debit card. Today, we continue to be a champion for the best, most innovative, user-first programs.