Michael Cherepnin

Partner, EJF Ventures | Enterprise Fintech (Europe & US)

📍 United Kingdom🔄 Updated September 2026💼 10 investments📅 5 years investing🗓 Last invested Jun 2026
VC🌍 United KingdomInvested this quarter
10
Total investments
2
Early stage
5
Mid stage
3
Late stage
5y
Years active

Portfolio

10 investments · sorted by recency
All investments
Early stage
Mid stage
Late stage
Board Member
Jun 2026
Lama AI provides AI-native loan origination infrastructure for community and regional banks. Its platform helps automate intake, borrower assistance, document collection, underwriting preparation, decisioning workflows, closing, and portfolio monitoring, enabling banks to scale lending operations while reducing manual work. Trusted by leading community and regional banks, Lama AI helps lenders move faster, improve borrower experience, and preserve the credit discipline, oversight, and compliance standards required in regulated lending. Lama AI is on a mission to expand access to fair, profitable capital for small businesses and beyond. Headquartered in NYC with an R&D center in Tel Aviv, Lama AI is reshaping the future of business lending. For more information visit us at: https://lama.ai/
Investor
Dec 2025
Onsetto powers Structured Activation for business banking, helping financial institutions turn new business accounts into fully activated operating relationships. Opening a business account is only the beginning. The real value comes when operating activity moves; payroll, receivables, payables, and funding. When those flows transition, deposits follow and the relationship becomes primary. Onsetto’s platform seamlessly guides businesses through the process of switching their operating account while giving financial institutions real-time visibility into activation and funding progress. Delivered as a secure, white-label solution that operates alongside existing systems, Onsetto requires no core integration and can be implemented quickly. By helping banks activate operating relationships faster, Onsetto enables financial institutions to capture the Core Operating Account, accelerate business deposit growth, and deepen commercial relationships.
Investor
Nov 2024
AI-powered fraud puts even the smallest banks on the front line of the most advanced attacks. Check fraud, bank impersonation, and scams are skyrocketing, driving massive losses, operational strain, and reputational risk. Refine changes the equation by scaling alert resolution instantly with automated, user-friendly outreach. Customers feel protected and in control, and you get timely, high-quality responses to prevent fraud and scams faster and more accurately. Refine Intelligence is led by tech veterans in fighting financial crime, and is backed by Glilot Capital Partners, SYN Ventures, Fin Capital and Valley Ventures. For more information, please visit refineintelligence.com
Board Observer
May 2024
Valstro empowers institutional sell-side firms in the US equities market to move faster, innovate efficiently and take full control of their trading tech stack, without compromising on speed, reliability or security. We provide this through the only enterprise-ready, next-gen, Cloud-native OMS on the market. With continuous innovation at the heart of Valstro, we deliver a future-ready platform that adapts to how your desk actually trades. It’s open, flexible, interoperable and built to evolve at the pace of your strategy. More than a vendor, Valstro is a true partner. Backed by deep industry and technical expertise, we walk with you through onboarding and scaling, helping you transition with confidence to unlock sustainable business growth.
Board Observer
Apr 2024
DeepSee is the control plane for agentic operations in financial services. We help banks and capital markets firms convert fragmented, manual workflows into software-defined services—powered by AI agents that plan, orchestrate, and execute across applications and teams. Built for production operations, DeepSee delivers secure integration, robust governance, continuous evaluation, and human oversight—so you can scale from experimentation to enterprise-wide transformation.
Board Member
Dec 2023
NayaOne is the Vendor Delivery Infrastructure for financial institutions. We help teams make faster, safer technology decisions and turn external innovation into delivered capability. Banks and insurers face constant pressure to adopt new vendors, AI tools, and payment technologies. Decision bottlenecks, fragmented validation, and slow proof cycles often prevent these initiatives from moving into production. NayaOne provides a repeatable operating system for vendor discovery, validation, and deployment. This allows institutions to move from experimentation to production with speed and confidence. We remove the friction that stalls innovation. Disconnected vendor evaluations, delayed proofs of concept, and misaligned stakeholders create uncertainty and slow delivery. NayaOne replaces this with shared evidence that supports clear decisions across technology, risk, and business teams. Through a curated ecosystem of enterprise ready vendors, realistic synthetic data, and isolated testing environments, teams can validate solutions safely and repeatedly before procurement or deployment begins. This enables parallel reviews, shorter decision cycles, and stronger alignment around what actually works. NayaOne helps financial institutions modernize at the pace the market demands without increasing operational risk. It is the infrastructure that turns external innovation into real outcomes.
Investor
Sep 2023
PortX is a technology company focused on integration software for financial services. The PortX Integration-Platform-as-a-Service (iPaaS) was built with FIs in mind and delivers open access to data, simplified application connectivity, and accelerated adoption of new technologies and networks. Our solutions enable interoperability between internal systems and customer services such as online banking, credit checks, mortgage and loan applications, and more. This enables rapid delivery of innovative products, optimized customer experiences, and a 360-degree view of customers. For more information, please visit www.portx.io.
Board Observer
Jun 2022
The world’s largest and most sophisticated wealth managers choose Anchorage Digital. With custody offered by the first federally chartered crypto bank, and trading with smart order routing for favorable pricing, Anchorage Digital flexibly plugs into an array of operating models to serve wealth managers, through turnkey asset management platforms, third-party technology platforms, and via direct integrations.
Investor
Mar 2022
Sharegain is the global fintech that pioneered retail-optimized Fully Paid Lending, also known as Securities Lending as a Service (SLaaS). We empower retail-facing financial institutions to offer Fully Paid Lending to their underlying clients with real-time inventory visibility, automated exception handling, and institutional-grade execution. Our fully paid lending platform can replace or be used in conjunction with legacy systems through a single, scalable solution—compressing time-to-revenue and eliminating the need for additional operational overhead. Built for flexibility, our custodian-agnostic infrastructure integrates seamlessly with existing systems. We reduce operational burdens and mitigate the increasing costs associated with running fully paid or securities lending programs. Sharegain’s white-glove legal and regulatory support enables compliance with evolving frameworks like Rule 10c-1a and SFTR. Our Opt-In Hub and retail-first user experience expertise puts client expectations first, unlocking new revenue streams for institutions, more passive income opportunities for clients, and future-proofs your lending program for the next generation. Visit our website to learn more about what we offer: https://sharegain.com/ Important disclosures apply: https://sharegain.com/disclosures/
Investor
Nov 2021
StreetShares is a financial technology company powering community banks and credit unions with next-generation technology to serve the digital business lending needs of U.S small business owners. It features core-friendly integrations including: all-digital applications, automated scoring & decisioning, advanced portfolio analytics and data-driven sales and marketing tools for mission-driven community lenders. StreetShares, StreetShares.com, StreetShares Platform, Atlas and the StreetShares and Atlas logo are trademarks or service markets of StreetShares, Inc. These materials are not an offer to sell, or the solicitation of an offer to purchase, any securities.
Experience · 14 entries
All (14)
Investments (10)
Board (5)
2026
Board Member
Jun 2026
Lama AI provides AI-native loan origination infrastructure for community and regional banks. Its platform helps automate intake, borrower assistance, document collection, underwriting preparation, decisioning workflows, closing, and portfolio monitoring, enabling banks to scale lending operations while reducing manual work. Trusted by leading community and regional banks, Lama AI helps lenders move faster, improve borrower experience, and preserve the credit discipline, oversight, and compliance standards required in regulated lending. Lama AI is on a mission to expand access to fair, profitable capital for small businesses and beyond. Headquartered in NYC with an R&D center in Tel Aviv, Lama AI is reshaping the future of business lending. For more information visit us at: https://lama.ai/
2025
Investor
Dec 2025
Onsetto powers Structured Activation for business banking, helping financial institutions turn new business accounts into fully activated operating relationships. Opening a business account is only the beginning. The real value comes when operating activity moves; payroll, receivables, payables, and funding. When those flows transition, deposits follow and the relationship becomes primary. Onsetto’s platform seamlessly guides businesses through the process of switching their operating account while giving financial institutions real-time visibility into activation and funding progress. Delivered as a secure, white-label solution that operates alongside existing systems, Onsetto requires no core integration and can be implemented quickly. By helping banks activate operating relationships faster, Onsetto enables financial institutions to capture the Core Operating Account, accelerate business deposit growth, and deepen commercial relationships.
2024
Investor
Nov 2024
AI-powered fraud puts even the smallest banks on the front line of the most advanced attacks. Check fraud, bank impersonation, and scams are skyrocketing, driving massive losses, operational strain, and reputational risk. Refine changes the equation by scaling alert resolution instantly with automated, user-friendly outreach. Customers feel protected and in control, and you get timely, high-quality responses to prevent fraud and scams faster and more accurately. Refine Intelligence is led by tech veterans in fighting financial crime, and is backed by Glilot Capital Partners, SYN Ventures, Fin Capital and Valley Ventures. For more information, please visit refineintelligence.com
Board Observer
May 2024
Valstro empowers institutional sell-side firms in the US equities market to move faster, innovate efficiently and take full control of their trading tech stack, without compromising on speed, reliability or security. We provide this through the only enterprise-ready, next-gen, Cloud-native OMS on the market. With continuous innovation at the heart of Valstro, we deliver a future-ready platform that adapts to how your desk actually trades. It’s open, flexible, interoperable and built to evolve at the pace of your strategy. More than a vendor, Valstro is a true partner. Backed by deep industry and technical expertise, we walk with you through onboarding and scaling, helping you transition with confidence to unlock sustainable business growth.
Board Observer
Apr 2024
DeepSee is the control plane for agentic operations in financial services. We help banks and capital markets firms convert fragmented, manual workflows into software-defined services—powered by AI agents that plan, orchestrate, and execute across applications and teams. Built for production operations, DeepSee delivers secure integration, robust governance, continuous evaluation, and human oversight—so you can scale from experimentation to enterprise-wide transformation.
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Investment activity
2021–2026 · 10 investments
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