Company

Why we built Xformative

Xformative was built out of the need in the developer community to reduce the complexity of implementing embedded accounting, payments and issuing as a service for any use case.

Specifically, the integration protocols, compliance, security and performance requirements to implement sound accounting, payments and issuing systems correctly is not well known.

In addition, the existing systems that can provide accounting, payments and issuing as a service are too expensive and not flexible enough to solve for most use cases.

Enter the Xformative Platform, which brings an astonishingly fast, secure, fairly priced and flexible solution to the market to solve all financial use cases.

Our Team

Paul Heynen (Co-founder and CEO) - 15+ years designing and developing accounting, payments and issuing solutions for credit, debit, loyalty and benefits administration. TSYS, Providian, Bank of America, Capital One, Swift Exchange
Nick Kelly (Co-founder and CTO) - 15+ years designing and developing accounting, payments and issuing solutions for credit, debit, loyalty and benefits administration. TSYS, Royal Bank of Scotland, Capital One, Swift Exchange
Cyndi Parker (Director of Operations) - 20+ years in technology, card, and payment operations.
Anthony Heffner (Dev Ops & Compliance) - 20+ years in card processing and payments. TSYS, Providian, Capital One
Adam Francioli - 15+ years card & payment operations.
Holly Caliri - 15+ years fintech product development.
Estacia Nankivel - 10+ years card & payment operations.
Paul Heyrman - 5+ years fintech engineering.
Grisha Kamyshnikov - 5+ years fintech engineering.
Abhishek Sharma - 10+ years fintech engineering.
Andy Kempken - 2+ years fintech engineering.
Kevin Wilson - 4+ years fintech engineering.

Operating Partners

TCB Enterprises - Auxiliary HR, Compliance & Finance as a service
MPX Group - Auxiliary dev ops & engineering