Empowering Small Business Owners to Thrive and Grow

Onyx supports Small Business Owners with a Unified Personal and Business App that Simplifies Financial Management.

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Who's vetting Onyx

Onyx has been chosen to join highly acclaimed accelerator programs that not only believe in but also fortify the core purpose of Onyx Private

Image Company Y Combinator

Y Combinator is the leading startup accelerator for entrepreneurs. Since 2005, YC has invested in over 4,500 companies, including Airbnb, Dropbox, Stripe, Reddit, Instacart, DoorDash, and Coinbase. Onyx is proudly part of W22 batch.

Image Company EY

EY EAN is a business accelerator program created to support founders of Black-and Hispanic/Latino-owned companies. Thirty-six entrepreneurs representing seven industries were selected by an independent panel of executives. Onyx joined the EAN program in January 2024.

Image Company Visa

Visa Fast Track is a program designed to help fintech and crypto companies bring new payments solutions to market. Onyx joined Visa Fast Track program in 2022.

Image Company Endeavor

Endeavor is the leading global community of, by, and for High-Impact Entrepreneurs — Onyx was accepted to participate in the EndeavorLAB program in 2024.

Our Management Team

Victor Santos - Co-Founder & CEO

Victor is a serial fintech entrepreneur and investor. Previously he worked at Google before founding Airfox / banQi, a neobank in Brazil that was later acquired. He was recognized by Forbes 30 under 30 in 2018 and MIT Technology Review 35 under 35 LATAM Innovators in 2019. He is a UC Berkeley graduate and currently at The Wharton School University of Pennsylvania.

Douglas Lopes - Co-Founder & COO

Doug spent time at Monitor Group, Bain & Co and large multinational companies in Brazil. Most recently, he helped grow Airfox / banQi to millions of users and assisted with the company’s acquisition. He is a MBA grad from MIT Sloan and Mechanical Engineer from USP in Brazil.

Tiago Passinato - Co-Founder & CTO

Prior to Onyx, Tiago was the Principal Architect of Airfox / banQi, helping to implement a highly scalable banking platform. He has over 20 years of experience as a Full Stack Software Engineer, working for big companies in the US and Latin America.

At Onyx, we are driven by the desire to empower small business owners, simplifying the management of their personal and business finances. We recognize the significance of efficient financial management in fostering growth. Our goal is to provide the convenience of comprehensive management through a single app. Onyx stands as the pioneering digital-first financial company dedicated to the success and empowerment of small business owners.

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Icon Page Company Vision


To provide an innovative, easy-to use an unified banking app service that is both modern and accessible to small business owners with the best satisfaction and user experience.

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We want to empower Small Business Owners by providing digital access to financial services and simplifying financial management. We aim to free up their time, allowing them to focus on business growth with confidence and ease.

Discover our values

The Onyx ABCS Accountrable Ownership
Accountable Ownership
We have owners’ mentality but also hold ourselves accountable to the challenges with full responsibility for our decisions and actions.
The Onyx ABCS Big Bold Bets
Big Bold Bets
We take calculated big bold bets with innovation and wisdom. We choose to live on the bleeding edge of what is possible in order to offer our stakeholders the best possible experience.
The Onyx ABCS Customer First Always
Customer First Always
The customer always comes first for us. We are dedicated to treating our customers with the highest quality of service and provide them with a customer-centric membership experience.
The Onyx ABCS Development Mindset
Development Mindset
Just like our members, we have a growth-mindset and believe that learning to learn with adaptability and curiosity is the best skill you can develop for continuous improvement
The Onyx ABCS Effective Velocity
Effective Velocity
We move swiftly but coupled with discernment and discipline. We know that in order to innovate and provide the highest quality member experience we must move fast to adapt solutions to our customers needs and wants.
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Download Onyx Private App

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