Founders Backing Trusted Founders Transforming Finance

Powering a New Phase in Financial Innovation

Manifesto

We’ve been here before.

As fintech founders and operators, we built and exited companies across the first two waves of financial innovation, from the internet boom to mobile and cloud. We’ve navigated market cycles, regulatory environments across multiple countries, and the full arc of what it takes to build, scale, and exit fintechs. We know this from the inside.

Now we’re investing in the third wave, and it’s the biggest one yet.

AI and blockchain aren’t incremental improvements to financial services. They’re foundational rewrites. The companies being built today will reshape how capital moves, how credit is extended, how trust is established, across borders, sectors, and asset classes. We invest differently because we’ve lived it.

Our edge isn’t a thesis on a slide. It’s decades of operator experience, a network of trusted founders, and the conviction to back exceptional people before the market catches on. We don’t invest in companies, we invest in founders we trust and stand by them at the moment it matters most.

That’s what “founders backing founders” means. And that’s the only way we know how to invest.

Powering a New Phase in Financial Innovation

We make concentrated, high-conviction bets on exceptional founders building category-defining companies.

Kiara Core Investments

Astride

Automated offshore tax and entity compliance.
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Payana

AI-native financial operations platform.
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Nexa Finance

Tokenized alternative investments platform.
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Rinne

Real-time AI-enabled payment infrastructure.
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Bond

Automated accounting with built-in tax intelligence.
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Lugui

End-to-end leasing, handled by AI agents.
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Stealth Company

Legacy Investments

Celcoin

Open finance and embedded payments infrastructure.
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Lemon Bank

Digital retail banking platform.
Exited

Pagfacil

Payments and cash management platform.
Exited

Xapo

Crypto wallet and digital asset bank.
Exited

Banco Bracce

Mid-market focused commercial bank.
Exited

Creditel

Personal lending platform.
Exited

Contact Us

At Kiara, we invest through trust, long-term relationships, and shared context. As founders backing founders, our strongest partnerships come through warm introductions from trusted networks.
We run a focused, lean model and prioritize opportunities where mutual connections can provide real insight. That said, exceptional companies don’t always come through obvious paths, if your business clearly fits our focus, you’re welcome to reach out.
We review all inbound inquiries but respond only when there’s strong alignment. Our process is intentional, transparent, and respectful of everyone’s time.