Dan Urbina

About Dan Urbina

PROPTECH PIONEER → FINTECH FOUNDER Co-founded real estate industry\'s first integrated card platform in college. My companies have processed $400B+ in rent, HOA, and loan payments. MILESTONES:→ 2002: Transformed real estate A/R for every landlord in America.→ 2003: Negotiated industry-first Visa-authorized interchange for HOA merchants (MCC 6513).→ 2004: Boarded first public REIT to ever accept integrated credit card rent payments.→ 2010: Created first FDIC-insured loan repayment merchant acquirer.→ 2012: Designed first mobile-responsive, property management-integrated payments (no resident registration/login).→ 2018: Built first debit card loan servicing core integration (no borrower registration/login). CATEGORY-CREATOR:→ Interchange Cap Innovator: Developed industry\'s first pro-Durbin economic framework which now dictates card interchange for all U.S. financial institutions on MCC 6513/6012.→ Convenience Fee Robinhood: Categorically reduced industry-standard debit card fees by 94%(still saves consumers $60B/yr).400+ FI CLIENTS:→ Truist→ KeyBank→ Wintrust→ Centennial → Banco Popular→ Synovus→ SouthState→ Western Alliance → Seacoast→ Hundreds of credit unions INSTITUTIONAL VALIDATION:→ $900B+ in current client assets→ Investment from Blackstone, Goldman, Insight, Accel, & MastercardEXITS:→ eRentPayer/Yapstone→ RentPayment/DuesPayment→ Aptexx/LenderPay99th PERCENTILE DOMAIN EXPERTISE:→ Interchange/Assessment Arbitrage→ Emerging Market MCC Analysis→ Cap Table Allocation (equity repurchase best practices)→ Regulatory Compliance get what you negotiate—not what you deserve\"

Experience

1. Co-founder & Agent

   Lender Payments

   Sep 2011 — Present · Salt Lake City, UT, US

   Frictionless loan servicing platform for financial institutions. Serving 400+ clients totaling $900B+ in total assets. I bootstrapped LenderPay to profitability in America\'s most highly-regulated industry.• API-driven architecture eliminates login/registration friction so borrowers pay via text/email in 1-click (debit card, ACH, digital wallet).• Built ground-up integrations with FISERV, FIS, Jack Henry, CSIweb.com+; delivering industry-first auth/settle solutions.• FDIC, CFPB, PCI, card-network-compliant infrastructure.• Delivers 20%+ delinquency reduction improving loan portfolio performance.• Zero-capex model for lenders plus non-interest fee income.• Clients include: Truist, KeyBank, Wintrust, Centennial, Banco Popular, Synovus, SouthState, Western Alliance, Seacoast, First Financial (hundreds more).Backed by Goldman/Blackstone (retained operating authority and lifetime residual as proof of durability and institutional trust).