About 7T World

We've worked every side of the financial industry.

As the regulator, the enforcement attorney, the compliance & risk officer, the operations lead, the engineer, and the founder — so we understand every side of it.

Talk to a principal Meet the team

Global Innovation, Anchored in Trust.

80+

Combined years in payments, risk & regulation

Examination-ready

Every product designed to withstand real scrutiny

Under your brand

White-label: you keep the customer, the deposits, and the economics

About 7T World

We help institutions modernize and improve — across two product families.

Every product is compliance-native by design, and the families compose when you want them to — no product depends on another. In short, 7T World helps institutions modernize their payments — including into stablecoins — and run a stronger compliance program.

Compliance Core

Run a stronger compliance program — and stay ready for examination.

Binnacle An AI-native GRC platform that maintains examination readiness.
Soundings Continuous regulatory-and-controls monitoring.
Plumbline AI-native compliance auditing.

Payments Modernization

Modernize payments — including into stablecoins — under your own brand, on your existing core.

Bearings Stablecoins and wallets, offered in the institution's own brand and digital-banking platform, on its existing core.
Berth Tokenized deposits.
Manifest A shared, permissioned interbank ledger that removes the friction and the RFIs banks send each other.
Tradewind An in-house FX desk leveraging AI.
Charts Stablecoin dispute resolution.

The customer relationship, the deposits, and the economics stay with the institution. That's the whole design.

In active engagements and discussions across banks, credit unions, correspondent networks, and financial-data leaders — including a $10B+ global institution.

Alongside both families, our principals lead Strategic Advisory engagements.

Our Team

Leadership

We understand every side of the financial industry — because we've worked every side of it. The people you meet are the people who do the work.

Co-Founder & CEO

Mark Graves

30+ years in the financial industry — 10+ building and maintaining programs that withstand regulatory scrutiny.

Mark Graves, Esq., CAMS, CRCP, is Co-founder and CEO of 7T World, with more than three decades spanning regulators, banks, and fintechs. He built his career first on the government side — as a financial regulator and enforcement attorney at the state, federal, and international levels, including the U.S. Securities and Exchange Commission, where he earned the Chairman's Award for Excellence — leading examinations and investigations that spanned the international operations of the firms he oversaw, including across the Pacific Rim, and serving as lead attorney on the resulting enforcement matters. He then moved to the industry he had regulated: Global Head of Sanctions and a senior compliance leader at Silicon Valley Bank, and first standalone Chief Compliance Officer at Marqeta through its pre-IPO scale. From there he co-founded and led legal and compliance for a payments company that grew to 13+ countries, 500+ employees, and principal membership in Visa. He has worked in digital assets for more than a decade — building the compliance and risk controls behind stablecoins, tokenized settlement, and cross-border payments from the earliest days of crypto-banking.

The regulator · the enforcement attorney · the compliance & risk officer · the founder

Co-Founder & COO

Anthony Serio

The governance layer that makes new payment rails examination-ready — the controls, not the hype.

Anthony Serio is Co-Founder and COO of 7T World — an operator, not a theorist. A U.S. Navy veteran with 25+ years across FX, payments, and risk, he has run the front, middle, and back office at major institutions and fintechs. His career runs from Brown Brothers Harriman — the oldest private bank in the U.S. — through Wells Fargo, where he traded FX, and East West Bank, where he was First Vice President and Director of FX Operations, to Silicon Valley Bank, where he led enhanced due diligence on the bank's earliest digital-asset clients — including Circle and Coinbase, before they jointly launched USDC — and authored the bank's enterprise Product Risk Controls Catalog. He later led payments, risk, and operations across fintechs — as interim Chief Payments Officer at ARB Interactive and Head of Operations at Sila — and stood up risk and compliance as interim Chief Risk Officer at a stablecoin-to-fiat settlement platform. He is also the founder of Serio Payments Consulting, now part of 7T World, which helps banks, processors, and fintechs untangle ACH, FX, cross-border treasury, and full-stack risk. Anthony chairs the Financial Inclusion Work Group at the U.S. Faster Payments Council, helped author 7T's formal comment on federal stablecoin rulemaking, and works at the front edge of stablecoins, tokenized deposits, and instant payments.

The operations lead · the compliance & risk officer · the founder

CTO & Chief AI Officer

Sonjaya Tandon

25+ years building systems that balance sophisticated technology with regulatory rigor.

Sonjaya Tandon is CTO & Chief AI Officer of 7T World, with 25+ years of technology leadership at enterprise scale. A Cornell-trained computer scientist and former McKinsey Associate Partner — where he led product and engineering for a financial-services practice — he is a strategist who still writes production code. He held senior engineering leadership at The Walt Disney Company, and co-founded Green Chef as CTO, the first USDA-certified organic meal-kit company, which he helped build from launch to its acquisition by HelloFresh, the global meal-kit leader. He later led engineering at a bank-ready B2B stablecoin payments company, where he built deep blockchain and digital-asset experience. A named patent holder, Sonjaya leads 7T World's payment and AI infrastructure.

The engineer · the founder

Managing Director

Sophie Forbes

Turning deep expertise into solutions institutions can understand, adopt, and put to work.

Sophie Forbes is Managing Director of 7T World — a serial entrepreneur and commercial operator who has built, scaled, and successfully exited two companies. She began her career by founding an international textiles business, growing it over several years before completing a successful exit and earning her MBA. She then launched a company in the furniture industry, scaled it to serve major national and global accounts, and sold it to a multinational corporation. Sophie subsequently led international sales for an electronics company serving military and government customers around the world, repeatedly finishing as its top sales representative. Most recently, she led sales for a manufacturer and served as the principal relationship lead for one of the world's largest companies — a multinational ranked among the top 15 of the Fortune 500. Across industries, Sophie has built businesses, navigated complex enterprise buying environments, and converted sophisticated offerings into durable commercial relationships. At 7T World, she leads strategy, sales, and business development — helping translate regulatory, operational, and technical expertise into solutions that financial institutions can understand, adopt, and put to work.

The founder · the operations lead

Stablecoins · Tokenized deposits · Digital assets

The market is new. Our experience in it isn't.

For years, U.S. financial institutions had no practical path into stablecoins, tokenized deposits, or digital assets. New federal legislation opened that path — but most institutions are starting with little hands-on experience, because regulation kept them on the sidelines.

That makes the people you work with the deciding factor. Our leadership was in this market long before it opened: building the compliance and risk controls behind stablecoins and tokenized settlement since the earliest days of crypto-banking, running enhanced due diligence on Circle and Coinbase before they launched USDC, and leading engineering at a bank-ready stablecoin payments company.

More than a decade

In digital assets, since the earliest days of crypto-banking

$33B+

Annualized stablecoin volume through a platform our team built

Federal rulemaking

Co-authors of 7T World's formal comment on federal stablecoin rulemaking

Today we help boards and executive teams decide whether and how to offer stablecoins, tokenized deposits, and digital-asset services — and then build the program and the technology to do it under their own brand.