Fourdotzero is the brainchild of payment industry veterans Richard Bell and Jeremy Light of Fourdotzero. Both cut their teeth scaling blockchain payments at Ripple, the Silicon Valley company building a global cross-border payments network using blockchain technology and a digital asset. Bell specialises in bringing new product innovations to market, including at Visa, Santander and Vodafone, and Light formerly led Accenture’s payment consulting business in Europe for many years, advising some of the biggest banks and processors in the sector.