Arrowhead Advisory Group is a venture studio that builds, deploys, and operates at the intersection of embedded payments, AI-native operations, and vertical SaaS. We also work with legacy stack owners to modernize using our proprietary IP.
Our portfolio is the infrastructure layer that powers everything we build: payments processing, intelligent routing, and the distribution network to deploy it all.
PayFac-as-a-Service for ISOs and their merchants. Interchange-plus pricing, intelligent multi-processor routing, 200+ verticals. Full coverage across the US and Canada.
0030.ioAn agentic workforce powering real-time payment routing, fraud detection, compliance automation, and interchange optimization. 40+ specialized AI agents deployed in production. Nothing off the shelf.
penumbrahq.comThe distribution engine for the entire Arrowhead ecosystem. Recruits, trains, certifies, and deploys independent sales professionals across fintech, insurance, and business funding verticals.
echelon.instituteWe build at the intersection of payments infrastructure, artificial intelligence, and vertical SaaS. Each amplifies the other.
Processing, acquiring, PayFac infrastructure, interchange optimization, and compliance across the US and Canada. 200+ merchant categories supported.
Purpose-built AI agents for underwriting, routing decisions, fraud detection, and compliance automation. 40+ agents deployed in production and growing. All built within our stack, nothing off the shelf. 20+ patents pending protecting the core IP.
Software with natively embedded payments and analytics, built for ISOs, agents, and the merchants they serve. Sticky, recurring, data-rich platforms that compound over time.
Each company feeds the next. The data compounds. The moat deepens.
Professionals get certified and deployed into the field
Payments infrastructure processes every transaction
AI agents route, score, and automate in real time
Every transaction makes the system smarter and the moat deeper