Yoseph and Paul’s journey began long before Relay. Brought together by a shared entrepreneurial spirit, they first teamed up on a side project that didn’t take off — but that early failure planted the seed for something greater. Rather than stepping back, they doubled down on their growth.
Paul leaned into technical mastery, committed to building the kind of foundational engineering skills that would let future companies focus on solving real-world problems technically. Yoseph, meanwhile, dove deep into the world of small business finance through his work at Hubdoc and Wave (which were acquired by Xero for $70M and H&R Block for $407M). There, he saw firsthand the frustrations of accountants, bookkeepers, and SMBs navigating outdated financial systems — and he knew there had to be a better way.
When they came back together, it was with more clarity, more experience, and a shared belief that the fintech landscape was changing. New partnerships and innovations were making banking more accessible and more adaptable.
They founded Relay not just to build a bank — but to reimagine how financial services could actually serve the people building businesses. With deep market insight, technical excellence, and a bold vision, they set out to create a platform that empowers small business owners to financially thrive.
