Rhomaios Ram

Rhomaios Ram is a British-Sri Lankan financial services executive and entrepreneur whose South Asian heritage informs a career spent bridging the worlds of traditional banking and emerging financial infrastructure. He holds an MBA from Columbia University and a degree from Drexel University, and spent over two decades building expertise across the full spectrum of wholesale banking — from sales and trading to technology and product management — before stepping out of retirement to found Fnality.

The bulk of Ram’s career was spent at Deutsche Bank, where he rose to Global Head of Product Management for Transaction Banking. In that role he oversaw some of the most complex and high-volume payment and settlement infrastructure in global wholesale finance, developing a clear-eyed view of where legacy systems fell short. His time at Deutsche Bank was punctuated by roles at Clearmatics, the blockchain research firm, and Ohalo Limited, where he continued to develop his thinking on distributed ledger technology as the next generation of financial market infrastructure.

In 2019, Ram founded Fnality International to realise a vision he had been developing throughout his banking career: a network of distributed Financial Market Infrastructures (dFMIs) that could deliver genuine on-chain settlement in wholesale banking markets. Fnality launched the world’s first regulated distributed ledger-based payment system — the Sterling Fnality Payment System — in December 2023, with live institutional participants transacting in digital representations of central bank funds. Ram served as CEO through Fnality’s formative years before handing leadership to Michelle Neal, formerly of the Federal Reserve Bank of New York, in March 2025.

Under Ram’s founding leadership, Fnality raised over $230 million in total, including a landmark $136 million Series C in September 2025 co-led by WisdomTree, Bank of America, Citi, KBC Group, Temasek, and Tradeweb. He is now a Honorary Research Fellow at the Gillmore Centre for Financial Technology at Warwick Business School, and continues to contribute to academic and policy conversations around the future of wholesale payment systems and tokenised finance.