Regulated finance, designed and built.

We take banks, fintechs and digital-asset firms from first idea to a live regulated product, and build the data and AI systems that run it.

Talk to the Solutions Desk Scroll to see how

Every regulated product hits the same four walls.

Licenses. Banking partners. Regulators. Other jurisdictions. We map all four before you commit capital, then take you through them.

Stage 1 of 3

Design

We map the perimeter your product sits in, the licenses it needs and who should hold them.

You leave with a regulatory map and a licensing and partner plan.

Stage 2 of 3

Structure

We set up the entities, partner agreements, controls and documentation around it.

You leave with a partner structure ready to sign and a controls framework.

Stage 3 of 3

Build

Our Product and Technology Desk puts the platform, data and AI into production.

You leave with a product running live, inside the perimeter it was designed for.

Not a deck. A working system, running inside yours.

Data pipelines, AI applications and automation that plug into the systems you already run.

  • Connects to what you run. No rip and replace.
  • AI inside the perimeter. Same permissions, controls and audit trail as the rest of your business.
  • One team. The people who set your controls sit with the people who write the code.

One lead. Licensed partners where the law needs them.

LadderStone does not hold banking licenses or manage client assets. We lead the work and bring in the licensed institutions, counsel and partners each step requires.

Five practice areas. Six jurisdictions.

  • Digital infrastructure
  • Cross-border transactions
  • Secondary markets
  • M&A and alternative trading systems
  • Public affairs and policy

United States, United Kingdom, Europe, Australia, Puerto Rico and offshore jurisdictions.

Finance, law and engineering at one table.

The people who design your structure sit with the people who build it, from the first call to launch.

Solutions Desk

Strategy, legal, compliance and banking

  • Portrait of Borz Azarian

    Borz Azarian

    Founder and Manager

    Brings commercial objectives, specialist expertise, and delivery priorities together around complex financial-services engagements.

  • Portrait of Michael Arbuckle, CFA

    Michael Arbuckle, CFA

    Executive in Residence

    Connects financial strategy with the product and technology decisions needed to put it into practice.

  • Portrait of Yarot T. Lafontaine-Torres, Esq.

    Yarot T. Lafontaine-Torres, Esq.

    General Counsel

    Oversees LadderStone's legal affairs and coordinates external counsel around the firm's work.

  • Portrait of Rosario Ingargiola

    Rosario Ingargiola

    Digital Infrastructure

    Designs financial-market infrastructure around the requirements of trading, settlement, and institutional risk.

  • Portrait of Julia Kay Whippo

    Julia Kay Whippo

    Digital Banking

    Connects the design of a financial product with the operating processes required to run it.

  • Portrait of Carolina Sarriera

    Carolina Sarriera

    Corporate Compliance and Financial Operations

    Connects financial processes, documentation, and controls with day-to-day business operations.

  • Portrait of Akshit Vij

    Akshit Vij

    Risk, Compliance and Data Governance

    Connects technology decisions with the controls and information requirements of financial services.

Product and Technology Desk

Data, AI, platforms and delivery

  • Portrait of Panchsheel Mittal

    Panchsheel Mittal

    Head of Products and Technology

    Translates business workflows into data products, AI applications, and the architecture needed to run them.

  • Portrait of Lance Ngo

    Lance Ngo

    Digital Banking Product Lead

    Connects banking requirements with implementation across onboarding, core banking, payments, and servicing.

  • Portrait of Pavan Tummala

    Pavan Tummala

    AI and Machine Learning

    Brings machine-learning research and software engineering together to develop AI applications.

  • Portrait of Ridgeway Lawrence

    Ridgeway Lawrence

    Technology and Solution Delivery

    Connects application development and infrastructure work to support technology implementation.

  • Portrait of Akshay Bankapure

    Akshay Bankapure

    AI and Machine Learning Engineering

    Builds the applications and deployment processes needed to put machine learning into use.

  • Portrait of Krishna Janaswamy

    Krishna Janaswamy

    Platform and Data Engineering

    Builds the platforms and data pipelines that support connected financial applications.

  • Portrait of A. Thangaraj

    A. Thangaraj

    Software Engineering and Automation

    Turns product requirements into software functionality and automated processes.

  • Portrait of Sandhya Velagapudi

    Sandhya Velagapudi

    Data Science and Research

    Uses data analysis and applied research to identify improvements and develop product capabilities.

  • Portrait of Abhishek Rai

    Abhishek Rai

    AI Strategy and Applied Research

    Connects emerging AI capabilities with practical business workflows and product opportunities.

  • Portrait of Jonathan Cintron

    Jonathan Cintron

    Business Analysis and Delivery

    Turns business requirements into coordinated delivery work across stakeholders and implementation teams.

Tell us what you are building.

  • New engagements[NEW ENGAGEMENTS EMAIL]
  • Partnerships[PARTNERSHIPS EMAIL]
  • Press and everything else[GENERAL EMAIL]