The Operating Group for Modern Merchant Services.
Arrowhead Advisory Group builds and operates a small portfolio of brands across payments, fintech, and education. We do not spread capital across passive bets. We build, hold, and operate. Echelon Institute. Penumbra. Aquifer. 0030 Payments.
Four Brands. One Operating Spine.
Each brand stands on its own. Each one compounds the others. We build them with the same standard we expect from anything we put our name on.
Echelon Institute is the certification and training platform for the payments industry. Cadet through Echelon, eight tiers, exam-gated certifications, a rewards ladder topping out at the Echelon Crate, and a learning-path and field-path side by side. Live at echelon.institute.
"White-label education infrastructure. Employee training, partner enablement, customer education, licensing prep. Delivered on your domain, under your brand. Your learners never see Echelon."
Penumbra is the payment orchestration and infrastructure layer underneath the portfolio. Production API live. Multi-provider failover. Fifteen provisional patents filed across orchestration, AI compliance, and payment intelligence. Built to be gateway-agnostic so the customer is never locked in.
"Forty-plus specialized decision components running in parallel on every transaction. Routing, risk, interchange optimization, compliance, decline recovery, completing in milliseconds. Not a rules engine. Not a router. An intelligent system built to think."
Aquifer is the merchant management platform for payment ISOs and the vertical SaaS companies running embedded payments. Boarding, residuals, agent hierarchy, lead pipeline, chargebacks, and portfolio analytics. Ninety-plus processor connectors. The single source of truth for merchant relationships. Live at aquiferhq.io.
"Your merchant portfolio is running on spreadsheets. It doesn't have to."
0030 Payments is the merchant services and processing arm. ISO entity, full contract envelope drafted, multi-sponsor posture by design. Built to write paper, board merchants, and let Penumbra do the routing underneath.
"White-label payment infrastructure for vertical SaaS platforms and the PE-backed companies that build them. API-connected, fully branded, interchange-plus pricing. You keep one-hundred percent above the buyrate. Powered by Penumbra AI."
We Build, Hold, and Operate.
We do not spread capital across passive bets. We build companies we intend to run. We bring a long-term, generational lens to strategy and growth, blending operational execution with active investing and market insights. Every brand we operate has to compound, has to be defensible, and has to be something we are proud to stake the AAG name on.
Operator. Investor. Builder.
Dylan is the CEO of Arrowhead Advisory Group. He designed and built the AI agent and orchestration infrastructure that powers the portfolio. Fifteen provisional patents filed across payment orchestration, AI compliance, and payment intelligence. Graduated from Arizona State University's W.P. Carey School of Business at twenty.
Get in Touch.
Open to connecting with founders, operators, and investors who care about building systems that last. Partner and media inquiries welcome.