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.

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.

Founders

Meg Nakamura

Co-Founder / CEOIn 2014, Meg co-founded Apto with her long-time colleague and friend, Greg Kidd. Prior to Apto, Meg worked for a regulatory and compliance advisory company where she realized that the financial services landscape was in need of a significant upgrade -- the industry was dependent on outdated, legacy infrastructure and entangled in a web of opaque regulatory requirements, making it difficult to build and launch innovative and bespoke card programs specifically designed for their users. The system was set up to serve only the most highly-resourced, established players in the market.Meg is passionate about creating a payments ecosystem that is more fair and equitable, allowing the most aspirational companies to enter the market quickly and responsibly. She loves working with those who are equally as enthusiastic about creating user-first experiences in the financial services sector. In a business that is focused on utility and transactions, she strives to create a partnership that is anything but transactional.Since its Y-Combinator days, when Apto was known as Shift Payments, Apto now supports several of the fastest growing fintech companies in the U.S. and expanded its business to Europe as of 2019.LinkedIn logo

Greg Kidd

Co-FounderGreg Kidd is a firm believer that one’s identity credentials should be truly portable and owned by individuals themselves rather than corporations or governments. The trade-off between security and privacy can meet the needs of both traditional institutions worried about compliance and risk, but also consumer protection advocates who care about the underserved and underbanked.Greg has acted as an advisor/investor for numerous startups in the exchange space including Ripple, Square, and Twitter through his seed investment firm Hard Yaka. He has served as director at Promontory Financial, senior analyst for payments at The Board of Governor of the Federal Reserve, and Senior Associate at Booz Allen. Greg has founded multiple companies, including Dispatch Management Services Corp, which he took public on the NASDAQ. He is an avid cyclist and has also worked as an instructor/leader for Outward Bound and the National Outdoor Leadership School.LinkedIn logo