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About UsOnyx MembershipBlog

About us

Onyx is a modern private banking membership1. A next-generation premium banking and wealth experience1 with a personalized white-glove 24/7 concierge.

Onyx is backed by:

Global Founders Capital
Y Combinator
Y Combinator
Y Combinator
Y Combinator
Goodwater Capital
Olive Tree Capital


To provide an innovative, easy-to use private banking service1 that is both modern and accessible to affluent customers with the best satisfaction and user experience.

We want to democratize and digitalize access to financial services that were previously only available to the ultra-rich.



The Onyx ABCs

Accountable Ownership

We have owners’ mentality but also hold ourselves accountable to the challenges with full responsibility for our decisions and actions.

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.

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.

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

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.

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.