Brand hub
Welcome to xpate’s brand hub, where our story comes together. Explore our mission and vision, our story and leadership, brand assets, and past press coverage, all in one place
About xpate *
xpate is an all-in-one payment and banking bundle for ambitious digital businesses. Founded in Riga and operating internationally, xpate enables seamless global money movement through compliant, innovation-driven financial services and products
* 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
The xpate story
Our vision is
to build a unified global payment ecosystem where money moves across borders as freely and effortlessly as ideas do when nothing stands in their way
We solve fragmented payment flows
by unifying acquiring and banking into one seamless system
We solve complex compliance
with secure, fully regulated infrastructure across the EU and UK
We solve difficult scaling
with reliable infrastructure built for businesses growing across markets
Our mission is
to build the financial backbone of the future, enabling tomorrow’s economy beyond today’s transactions
We solve slow processes
by removing friction and accelerating money movement end to end
by removing friction and accelerating money movement end to end
xpate is established in Riga with a vision to simplify global money movement
xpate is established in Riga with a vision to simplify global money movement
2019
xpate continues to build seamless, scalable, and compliant financial experiences for digital businesses worldwide
xpate continues to build seamless, scalable, and compliant financial experiences for digital businesses worldwide
Today
xpate enters new markets
and industries
Multi-market expansion
card acquiring and money management services go live
card acquiring and money management services go live
Product launch
strategic integrations with schemes, issuers, and providers to power cross-border payment flows
strategic integrations with schemes, issuers, and providers to power cross-border payment flows
Global partnerships
Global partnerships
the platform evolves into a unified, all-in-one payments and banking bundle
the platform evolves into a unified, all-in-one payments and banking bundle
Infrastructure scaling
Infrastructure scaling
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
Senior Legal Counsel
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
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
Senior Legal Counsel
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
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
Senior Legal Counsel
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
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
Senior Legal Counsel
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
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