Fnality
Fnality is a financial infrastructure company building decentralized payment systems for wholesale banking markets, with $323M in funding from major banks including Santander and BNP Paribas. The company enables real-time settlement using central bank balances, aiming to reduce costs and improve liquidity management for institutional clients.
The growth story
Fnality grew from 58 to 85 employees between 2021 and 2026, raising $323M along the way, most recently a Series C in September 2025.
About
Fnality develops blockchain-based payment networks that allow banks and financial institutions to settle transactions directly using central bank money. Its systems target wholesale markets where real-time settlement can reduce counterparty risk and free up capital.
The company has raised $323M in Series C funding in 2025, backed by a consortium of global banks. With 85 employees, it focuses on building operational infrastructure for decentralized finance applications in regulated markets.
Founders and leadership
Operations is the largest function with 8 staff. Leadership includes veterans from traditional banking and fintech, reflecting the hybrid nature of its blockchain-meets-regulation approach.
The Fnality org chart
Michelle Neal (Group Chief Executive Officer) leads 39 mapped leaders with 4 direct reports. Click +N to expand a team; names link to the person’s public profile.
Departments, and which ones grew
Headcount by function: Business Development 17 (-26% YoY), Information Technology 12 (-20% YoY), Finance 10 (-9% YoY), Operations 7 (-22% YoY), Product Management 6 (0% YoY), Engineering 6 (+20% YoY).
Talent flow
The team draws heavily from major banks including Citi, Deutsche Bank and UBS, with LSE being the most common alma mater. Alumni frequently move to other financial institutions like HSBC and LSEG, with median tenure at 2 years.
Most common previous employers of Fnality staff: Citi (4), Clearmatics (3), Deutsche Bank (3), HSBC (3), UBS (3), LSEG (3). Former Fnality employees most often moved to HSBC (4), LSEG (3), Lloyds Banking (2), Centrica (2), Barclays (2), WisdomTree (1).
Alumni worth knowing
The Fnality mafia
7 alumni have founded companies, including The Co-operative Bank (4,353 staff) and several smaller fintech ventures like TL Marchmont Partners and Cobault.
7Andrea Melville, was Board Member until 2021Pedram Parhizkari, was Director, Financial Strategy until 2022Chris N. CFA, CA, was Director of Product Management until 2022Jim Turley, was Chairman of the Board until 2022James Coltman, was Head of Commercial Strategy until 2019Miguel Lutumba Garcia, was Software Engineer until 2020
Daniel Heller, was Head Of Regulatory Affairs until 2022Hiring now
Web traffic
Traffic mix: 32% direct, 54% search, 8% social, 1% paid.
What this company is made of
Most common skills at Fnality: Leadership (27), Financial Services (23), Management (23), Strategy (22), Strategic Planning (21), Microsoft Office (20), Communication (20), Microsoft Excel (20).
Where the team actually sits
Fnality people are concentrated in England, United Kingdom (30), United Kingdom (19), New York, United States (3), Scotland, United Kingdom (2).
Search footprint
Fnality attracts about 98 organic search visits a month, traffic worth roughly $0K a month if bought through ads. It gained 18 ranking keywords and lost 13 in the last period.
What employees say
- Compensation
- 3.80 / 5
- Career opportunities
- 3.50 / 5
- Senior management
- 3.50 / 5
- Work-life balance
- 3.90 / 5
Frequently asked
Fnality has 85 employees as of September 2026.
Fnality has raised $323M in total, most recently a Series C round in September 2025.
Fnality was founded in 2019 by Rhomaios Ram.
Michelle Neal (Group Chief Executive Officer) sits at the top of Fnality's reporting structure, with 4 direct reports.
The most common previous employers of current Fnality staff are Citi (4 people), Clearmatics (3 people), Deutsche Bank (3 people).
Former Fnality employees most often move to HSBC (4), LSEG (3), Lloyds Banking (2).
At least 7 companies have a founder who previously worked at Fnality, including The Co-operative Bank, TL Marchmont Partners, Moonshot Play.
Fnality attracts about 98 organic search visits a month, worth roughly $0K a month in equivalent ad spend.
The most common skills among Fnality staff are Leadership, Financial Services, Management, Strategy, Strategic Planning.
Fnality staff are concentrated in England, United Kingdom (30), United Kingdom (19), New York, United States (3).
Fnality has about 17 people in Business Development, down 26% over the past year, as of September 2026.
Fnality has about 12 people in Information Technology, down 20% over the past year, as of September 2026.
Computed from 63 current and 121 former Fnality profiles, as of September 2026. Source: Crustdata.
Build this for any company
Every number on this page came from the Crustdata API. Point the MCP at a company and get the same org chart, alumni list and talent flow in one prompt.