Today, I sit down with Bill Capuzzi, CEO of Apex Fintech Solutions, to explore the critical infrastructure powering modern fintech investing. Bill shares the fascinating journey of Apex from its roots as a pioneer in API-enabled clearing to fractional share trading and becoming the clearing firm behind investment accounts for close to 25 million people across household names like Robinhood, SoFi, and Betterment.

The conversation dives deep into what it takes to be a reliable infrastructure player in fintech, from opening accounts in seconds, to enabling investment globally, to Apex's bold expansion plans with State Street and their strategic embrace of stablecoins. Bill also pulls back the curtain on how Apex uses AI inside the company and shares his perspective on the complex plumbing that makes seamless, modern fintech experiences possible. It's a rare inside look at the unsexy but essential backbone of the fintech revolution.

In this podcast, you will learn:

• Bill’s interesting journey from environmental scientist to fintech entreprenuer.
• Why he decided to join Apex ten years ago.
• How their capabilities were so different to the traditional custodians.
• What a clearing broker does exactly.
• How the idea for fractional share trading came about.
• How they have built their brand in the fintech space.
• Why they are seeing interest from banks and traditional wealth providers today.
• The only two firms that have left Apex and why they left.
• How they are working with the digital assets/stablecoins space today.
• Why they sold Apex Crypto to Bakkt in 2022.
• How they are growing internationally.
• What their partnership with State Street means for Apex.
• What Apex is doing to prepare for the AI-enabled future.
• What Bill is most excited about for the future of Apex.

Connect with Fintech One-on-One:

• Tweet me @PeterRenton
• Connect with me on LinkedIn
• Find previous Fintech One-on-One episodes