Our founders

Co-founder, Chairman

Greg is a co-founder and partner of Hard Yaka. As an investor, Greg provided first money at Twitter, Square, Coinbase, Robinhood, and Solana. Other early investments include Ripple, Uphold, and Brave. Recently Greg made a controlling investment in OCC nationally-chartered Vast Bank.‍

‍After working at consulting firm Booz Allen Hamilton, Greg took his first company public on the NASDAQ with $250 million in revenue and 3,200 staff globally. He later served in the payments division of the Board of Governors of the Federal Reserve System and as a director at the financial regulatory consulting firm Promontory Financial Group. Greg also served as Chief Risk Officer at Andreesen Horowitz and Google Ventures backed startup Ripple. Greg graduated from Brown University and earned an MBA from Yale University and an MPA in public policy from Harvard’s Kennedy School.

Greg ran a nonpartisan candidate running for Congress in Nevada's 2nd District in 2024 and plans to run again in 2026. With his diverse experience in business, government, and the outdoors, Greg is ready to bring new ideas and bipartisan solutions to Congress to move Nevada forward.

Co-founder, CEO

Kirk Chapman brings more than 20 years of technical banking and payment experience to Universal Ledger. He previously served as Head of Strategy at Galileo and Advisor to Anthony Noto, CEO of SoFi. He is a co-founder and CEO of blockchain provider Omnumi.

He also served as the Head of Technology for Independence National Bank from 2016-2017, where he was responsible for leading and building an online lending platform to compete in the SoFi, Lending Club, Prosper marketplace. Within five months his team delivered online services that supported Transaction Services (payments to and from the consumer), Collections, Fraud Prevention, and Credit Decisioning.

Prior to his experience at Independence National Bank he served as Sr. Director of Engineering for ND Bank where he ran all aspects of technology for a startup entering the mobile payments space. His team successfully completed the first US installation of a global banking core, which included connectivity to global card issuers and processors.