About Chisel
The Composable Fintech Infrastructure Platform
Why We Built Chisel
The Problem We Witnessed
Having worked on all sides of the financial services ecosystem—banks, processors, networks, and fintechs—our founders saw the same pattern repeating: companies building their businesses on rented infrastructure, creating single points of failure that could destroy years of work overnight.
The Synapse collapse wasn't a surprise to us. Darin had been warning about BaaS platform risks since 2019. Tyler saw the operational vulnerabilities from his role as Chief Credit Officer at CCBX. Matt experienced the technical limitations of monolithic platforms at CardPlatforms. Todd witnessed the growth constraints of platform dependency at multiple startups.
Our Solution Philosophy
We believe financial companies should own their infrastructure, not rent access to it. Composable architecture isn't just a technical choice—it's a business survival strategy. That's why we built Chisel: to give companies the tools, expertise, and connections needed to build resilient, scalable, and truly owned financial infrastructure.
Meet The Team Behind Chisel
Industry veterans who predicted the BaaS consolidation and built the solution
Founded by executives from Galileo, WebBank, CCBX, and CardPlatforms, Chisel was born from the recognition that fintech companies need to own their infrastructure, not rent access to someone else's platform. Our team combines 75+ years of experience across every layer of the financial services ecosystem.
Todd Rotolo
Head of Growth
Founder Athenai Growth, Channel Partners @ Stacker
Key stats:
75+
Years Experience
$50B+
Transaction Volume
4
Platform Builds & Exits
100+
Programs Launched
Our Mission
Chisel empowers fintech startups, businesses, and financial institutions with fully owned, vertically integrated payments infrastructure. Our modular, scalable, and transparent SaaS fintech platform provides banking, payments, lending, card issuing, compliance, and support services—without the need for costly third-party dependencies.
Our Vision
To democratize access to enterprise-grade fintech infrastructure, enabling startups and financial institutions to compete at the highest level while maintaining full control over security, compliance, and innovation.
Our Core Values
1. Why We Work
Always remember we are here to be amazing for our partners… to provide for and earn the right to spend time with our family and friends.
2. Who We Work With
We actively seek great people, great products, and great companies to partner with. Life is too short to engage those not aligned with our values. We want to be the technology and guidance enabling the people, products, and companies that change the world!
3. Simplify
Whittle everything down to the simplest solution, it works better and can be built faster!
4. Get It Done
Be ready for shifts and pivots, after you have planned, planned, and planned.
5. Over Deliver
Results should be on time and within all specs and always above and beyond what our partner expected.
6. Communicate!
Partners should always know where all of our work and projects stand.
7. Leadership
We live, demonstrate, and embody the kind of leadership we believe serves those who deserve it: “Leadership is passionate people, engaged in honorable pursuits, taking action swiftly and without procrastination on difficult and often avoided tasks. Great leaders surround themselves with self-driven, high-integrity, hardworking, talented people and identify their individual needs for high engagement, then execute on providing those needs without hesitation every single day. Focus on engaging these individuals, matching our actual belief that the people around us truly are our greatest asset. Setting an example of hard work and integrity is essential. Great leaders believe consistent laughter and joy in the workplace are immensely beneficial. We expect a lot from those engaged in the work, and reciprocate results to their expectations.”
The Chisel Difference
Own, Don't Rent
We believe financial companies should own their critical infrastructure. Platform dependency creates existential risk—as demonstrated by the Synapse collapse and other BaaS failures.
Composable Over Monolithic
Modular, interoperable systems provide flexibility, reduce vendor lock-in, and enable companies to adapt quickly to changing market conditions and regulatory requirements.
Expertise-Guided Implementation
Technology alone isn't enough. Our hands-on experience across banks, processors, networks, and fintechs provides the strategic guidance needed to navigate complex regulatory and business challenges.
Long-Term Partnership
We're not just vendors—we're partners invested in your long-term success. Our advisory relationships and equity partnerships align our incentives with your growth.
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Democratizing access to enterprise-grade, composable fintech infrastructure. Modular, compliant, and fully-integrated.
