Over the last 60+ years, card-based POS payments have seen limited innovation. Relatively recently, chip and PIN and mobile-based NFC payment rolled out. But even with NFC payments like Apple Pay, the method of authentication is the fingerprint. Why not go the next step and take the wallet and phone away?

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About Us


Yombu is a Revolution


Leave your cash, cards, and phone at home. No need to rummage through your wallet at checkout. Forget last minute trips to the ATM.


No more fumbling with currency, cards, or phone at PoS. No more staring awkwardly at a cashier while you wait for your chip to process.


Paying with your fingerprint ensures enhanced fraud protection. Yombu deploys the latest cryptographic techniques to ensure that your data remains secure.

The Evolution Of Payments

How Yombu Works


Add your favorite cards to your Yombu digital wallet


Complete a one-time fingerprint registration at your nearest Yombu merchant as you make a purchase


Pay with nothing but your fingerprint at all Yombu merchants


Joe Falit, Co-founder & CEO @ Yombu

Joe Falit

Co-founder & CEO

Joe enjoys designing beautifully simple financial products and customer experiences with applications in the U.S. and beyond. A strategist at heart, he loves finding innovative business models with large-scale potential. Joe previously worked in strategy groups at JPMorgan Chase and Citibank, and also spent time in management consulting. He enjoys playing poker, chatting about business and politics in Sub-Saharan Africa, and playing with his rescue dog, Macie.
Derek Sanford, Co-founder & CTO @ Yombu

Derek Sanford

Co-founder & CTO

Derek enjoys using technology to solve problems and to reduce friction in everyday life. With years of experience in the payments industry, he has developed a passion for staying abreast of emerging security concerns and creating hardened infrastructures. As an avid runner, Derek completed his first ultramarathon last fall and has found the solitude of running a great way to create theoretical solutions to complex technological problems.

Advisers & Mentors

Steve Zelinger

General Counsel & Strategic Adviser to FinTech Companies

Amitaabh Malhotra

CMO, Omnyway

Kevin Bowyer, Ph.D.

Biometrics Expert; Chair of Computer Science Dept. at U. of Notre Dame

Walter Scheirer, Ph.D.

Biometrics Expert; Assistant Professor of Computer Science at U. of Notre Dame

Rebekah Lewis, CISSP, CIPP

Deputy Director, Cybersecurity Governance Center at American University; Former NSA Attorney

Jonathan Conelias

CFO at The Grommet; Former CFO at iDevices

Dave Link

Founder & CEO, ScienceLogic

David Ehrich

Co-founder & Head of Growth, Petal; Former Executive at JPMC & AmEx

Jeff Rinehart

Exec. in Residence at American University; Former CMO at 2U; Former VP at CapOne

Matthew Stern

VP Entrust Datacard; Former VP at Bank of America

Mazin Joumaa

Director of Model Risk Office Operations/PMO, CapOne

Mark Denchy

Product Management Executive

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