Meet the Team Behind YPA Finance

I'm an engineer, founder, and immigrant building YPA Finance, an AI-powered, multilingual personal finance app designed for people left behind by traditional FinTech: immigrants, women, and older adults who deserve financial tools built with empathy, not ego.

When I moved to the U.S., I faced what so many newcomers do: a financial system full of rules, credit scores, and hidden traps that no one explains. Every bank was happy to hand me a credit card with a 35% APR, and I swiped it left and right in every store, not realizing how fast that "welcome" could turn into debt. I didn't grow up with credit cards or APRs. Within a few years, I had more questions than answers.

As I learned, I started helping others: friends, families, especially women and older relatives in my immigrant community understand their money too. That's when I realized the problem was bigger than language. It was about accessibility.

Most financial apps assume users are financially fluent, tech-savvy, English native and comfortable reading charts and graphs. But millions aren't — and they deserve better.

That's why I built YPA Finance: a multilingual AI assistant that simplifies money management, explains credit score, and makes budgeting feel human and friendly.

With 20+ years of experience in software, cloud infrastructure, and SRE/DevOps and consumer marketing, I combine deep technical expertise and marketing strategy with a caring, inclusive approach.

Because finance should feel like support, not stress.

I'm an engineer who spent 15 years in finance before teaching myself cloud architecture in my late 30s. I'm building YPA Finance because I watched my sister drown in a financial system that was never explained to her — and I realized millions of immigrants face the same trap alone.

When Olga moved to the U.S., banks were happy to hand her credit cards at 35% APR. She swiped them everywhere, not understanding what she was building. By the time she called me for help, the numbers had gotten away from her.

I thought I could help. I had 15 years in finance. She had a tech background. We'd figure it out together.

We spent hours with spreadsheets, trying to decode interest calculations and payment strategies. Two experts. Hours of confusion.

Olga was the one who saw it clearly: if we were struggling this hard, millions of others were drowning. She saw a product that needed to exist. I saw a design flaw that needed fixing — a financial system that looks logical from the inside but feels like a trap from the outside.

People were paying for that confusion with late fees, ruined credit, and lost opportunities. Not because they weren't smart enough, but because no one ever explained the rules.

That's what I'm here to fix.

I combine financial systems knowledge with cloud infrastructure expertise to build secure, scalable tools that actually help people understand their money.

Now, as CTO, I'm building: a multilingual AI platform that doesn't just track your money — it explains it. In your language. With your data. Before it's too late to act.

Not watered down. Not condescending. Just clear.

Because financial confusion isn't a personal failing. It's a design flaw. And I'm an engineer. Design flaws can be fixed.

“The best validation isn't an investor saying your tech is powerful — it's a user saying, 'I finally get this now.'”