Meg Nakamura, Co-founder and CEO of Apto Payments is our special guest this week on episode 114 of the Leaders in Payments podcast. Meg grew up in the suburbs of Chicago and has been in San Francisco for the last 13 years. She’s passionate about enabling other companies to solve interested use-cases with their products. Apto was started in 2014 and currently has approximately 50 employees. In 2015, Apto launched the first U.S. bitcoin-backed debit card. Today, Apto is focused on eliminating barriers for entry and making it easy for non-experts to enter the payments space with a focus on helping their clients launch innovative card programs.  Meg believes that crypto is in the early days and that there are opportunities around real-time payments and international payments with crypto.