95
[email protected]

No. 95 · Est. MMXXVI

An office of two. A private practice in brokerage, payments, lending, venture, growth — and the long arithmetic of patient capital.

57 · 59

95 — Ninety-Five — a private family office of two principals.

i. The office

Mandate.

Operators first, allocators second. We underwrite what we know how to run, finance what we know how to price, and back the operators we’ve already watched compound. Principal capital, held on balance sheet — patient by design, concentrated by conviction.

Capital
Principal
Principals
02
Disciplines
06
Locations
03

Built small by design — resourced to be otherwise. Mandates owned, not delegated. Introductions kept, not sought.

ii. The principals

Two,
by number.

  • i · Co-principal · Operator

    57

    Sales floor, then agencies, then the brands the agencies served. Today, founds and runs operating companies that clear billions in monthly volume.

  • ii · Co-principal · Builder

    59

    Engineering and code, before companies. Co-founded fintech brands across both ends of the market — B2B rails and B2C reach.

Held privately. Run by hand. What is decided here is executed here — and accountable here.

iii.

Broker.

Investing in global brands. Then making them bigger.

Meaningful positions in operating businesses with international ambition. Capital with operating leverage; mandates owned, never delegated.

iv.

Payments.

Crypto to fiat. Fiat to crypto. Both directions, settled.

Stablecoin rails for serious counterparties — luxury, FX, commodities, gaming. Settlement, custody, reconciliation; compliance-led, audit-ready.

v.

Lending.

Short-term credit. Asset-backed.

Fixed-interest, short-tenor loans against assets we can value, to operators we already know. Discreet, fast, held to maturity.

vi.

Venture.

Patient equity. Concentrated by conviction.

Early- to growth-stage equity, same discipline as the credit book. We back what we would run, and we run what we back.

vii.

Growth.

Capital is the entry. Growth is the contribution.

Niche marketing, performance, affiliates and the introductions that turn a good product into the obvious one. An extension of the team, paid in outcomes.

viii.

Lifestyle.

What we live. What we know. Who we know.

Tech, trading, crypto and marketing — and the network that turns disciplines into outcomes. Not a discipline; the surface where everything else compounds.