Brand hub
Welcome to xpate* brand hub, where our story comes together. Explore our mission and vision, our story and voices, brand assets, and past press coverage, all in one place
* When referencing the brand, xpate is written either in all lowercase or all uppercase. Please avoid using mixed case or capitalising only the first letter
* When referencing the brand, xpate is written either in all lowercase or all uppercase. Please avoid using mixed case or capitalising only the first letter
* When referencing the brand, xpate is written either in all lowercase or all uppercase. Please avoid using mixed case or capitalising only the first letter
Brand assets
For press inquiries
Paula Scerbinina
PR, Comms & Content Lead
xpate voices
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Head of Growth
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Head of Growth
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Head of Growth
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Head of Growth
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
Mike Shafro
CEO & Founder
Mike shapes xpate’s direction and vision, focusing on making global money movement simple and seamless for digital businesses. A seasoned fintech innovator, entrepreneur, and advisor with more than a decade in the payments industry, Mike guides xpate in becoming the most powerful all-in-one payment & banking bundle for ambitious companies around the globe
Ekaterina Puchkova
Chief Operating Officer
Ekaterina oversees operational strategy and customer experience across global markets. With a strong background in operations and client success, she ensures xpate’s services scale efficiently while maintaining high standards of execution. She focuses on aligning product, compliance, and commercial teams to deliver seamless day-to-day payment solutions for digital businesses operating internationally
Kristina Nikipolska
Associate Chief Risk Officer
At xpate, Kristina leads the development of practical, business-focused risk frameworks that support sustainable fintech growth. With nearly a decade of experience in compliance, AML, and risk management across crypto and traditional online payments, she brings deep operational expertise to complex regulatory environments. She focuses on building strong risk cultures that balance innovation with disciplined oversight, ensuring xpate scales securely across global markets
Oleg Seitov
Head of Finance
Oleg leads xpate’s financial strategy, focused on scalable, disciplined growth. He has helped increase total payment volume more than 20x within a single year while maintaining lean operations and strong financial performance. Combining automation, core banking optimisation, and measured AI adoption, Oleg drives data-led growth with strong human oversight and regulatory discipline
Marco Bertona
Chief Commercial Officer
Marco shapes the company’s growth strategy, driving expansion across global payments markets. With over a decade of experience in online payments, he focuses on commercial development, strategic partnerships, and sustainable revenue growth. He specialises in scaling payment capabilities, strengthening client relationships, and identifying new market opportunities to support xpate’s continued international growth
Sofia Khatsernova
Legal Function Owner
Sofia is a legal expert specialising in cross-border fintech and digital finance. At xpate, she oversees the legal function, navigating complex regulatory frameworks to support seamless international payments and acquiring services. With experience in both private practice and in-house roles, Sofia combines legal expertise with modern Legal Tech to help align financial innovation with regulatory requirements and support sustainable global growth
Maria Petrova
Chief Product Officer
Maria leads product and technology across payments at xpate. With over 15 years of experience in the payments industry, she brings expertise in payment processing, card issuing, acquiring and international payment systems. Combining a background in systems architecture, product development and delivery, she leads technology initiatives and product teams in building and launching payment solutions. She focuses on developing flexible, reliable infrastructure that supports businesses as they scale across markets
Anastasija Audrupe
HR Manager
Anastasija leads the people function at xpate, shaping a culture where people are truly the company’s greatest strength. She is responsible for building and scaling high-performing teams, driving talent acquisition and ensuring that every employee experience reflects xpate’s values and ambition. She has grown alongside xpate: taking small, consistent steps, learning, adapting and evolving the people function as the business scales
