The Dear Tech Podcast

Ep 22: Aubrey Amatelli – Cannabis Payments, Culture-First Leadership, and Bootstrapping a Fintech Powerhouse


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What happens when a former JP Morgan exec leaves Wall Street to solve one of cannabis tech’s hardest problems?

In this episode, I talk to Aubrey Amatelli, Founder and CEO of PayRio, the first payment provider exclusively built for cannabis, CBD, and alternative medicine. Aubrey bootstrapped PayRio to profitability in under a year, built a 100% women-led leadership team, and was recently named the #1 Best Cannabis Company to Work For in 2025.

We cover how she transitioned from banking to cannabis fintech, how she built trust in a high-risk industry, and why compliance and culture are two of her sharpest competitive advantages.

You’ll also hear how she balances founder life with single motherhood, how her own mental health journey has shaped her leadership style, and what it really takes to build something sustainable without raising venture capital.

🔍 We cover:
  • Misconceptions about cannabis payments and legality
  • Why compliance is a competitive advantage in fintech
  • Bootstrapping to profitability without outside investment
  • Building PayRio’s team through trust and culture-first hiring
  • Processing payments for cannabis, psychedelics, peptides, and more
  • Her role on NCIA’s Banking & Financial Services Committee
  • Lessons from JP Morgan that still guide her company today
  • Balancing motherhood and entrepreneurship under pressure
  • The power of showing up authentically in business

📌 Links & Resources
  • PayRiohttps://www.payrio.co
  • PayRio on Linkedinhttps://www.linkedin.com/company/payrio/
  • Instagram@payrio_hq
  • Aubrey on LinkedInhttps://www.linkedin.com/in/aubreyamatelli

If you enjoy this episode, drop a review and share it with someone building in fintech, cannabis, or anywhere trust and grit are essential.

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The Dear Tech PodcastBy Shubho Ghosh