Operating Group

Powering the next generation of technology companies.

Arrowhead Advisory Group is an operating group across artificial intelligence, payments, and education. We do not spread capital across passive bets. We build the brands ourselves: Echelon Institute, Penumbra (with Penumbra for Platforms), and 0030 Payments.

See the Portfolio

Arrowhead
Advisory

Penumbra for Platforms

Platform

Penumbra

Orchestration

Operating brands
under one parent

Patents filed
across the portfolio

2026

Founded
Pensacola, Florida

Long-term

Generational lens
on every brand we run

Networks we work with or plan to integrate: Worldpay Adyen Fiserv Stripe TSYS FedNow RTP Visa Mastercard American Express Discover NMI Chase Paymentech Elavon Heartland Global Payments NACHA

Our Portfolio

Four brands. One foundation.

Each brand stands on its own. Each one compounds the others. We build, hold, and operate them all from a single operating group.

Merchant Services · Processing

0030 Payments

Our merchant services and processing brand. Bank-sponsored payment processing for ISOs, SaaS platforms, and merchants. Targeting direct BIN/ICA sponsorship, interchange-plus pricing, multi-processor routing, and broad vertical coverage. Pre-launch.

0030.io

Payment Orchestration & Infrastructure

Penumbra

Our payment orchestration and infrastructure brand. Production API live. Multi-provider failover. 15 provisional patents filed across orchestration, AI compliance, and payment intelligence. Built gateway-agnostic so the customer is never locked in.

penumbrahq.com

Certification & Training

Echelon Institute

Our white-label education and certification platform. Thirty-plus industry lanes mapped, payments and legal shipped, the rest in content production. Organizations deploy a credentialing program under their own brand. Learners never see Echelon. Live at echelon.institute.

echelon.institute

Operations & ISO Platform

Penumbra for Platforms

The portfolio surface of Penumbra for ISOs and embedded-payments teams. Merchant boarding, residuals reconciliation, hierarchy, chargebacks, and equipment management on the Penumbra orchestration core. Live at penumbrahq.com/for-platforms.

penumbrahq.com/for-platforms

Problems We Solve

Every brand we build solves a real, expensive problem.

We don't chase trends. We find a specific, expensive problem, then build and run the company that solves it. Here's the problem behind each brand.

Penumbra

You're overpaying to get paid.

Hidden fees, bad routing, and stale processor deals quietly drain margin. Most companies overpay to accept payments and can't see by how much. Penumbra finds the waste and routes around it.

0030 Payments

Building payments from scratch takes years.

Bank sponsorship, underwriting, risk, compliance, go-live. 0030 Payments stands up the entire payment-processing business so a platform doesn't have to build it alone.

Echelon Institute

Skilled people are hard to find and train.

Hiring expertise is slow and generic training doesn't stick. Echelon lets any organization train and certify its own people under its own brand, across 30+ industries.

What We Believe

Build, hold, and operate. No passive bets.

Most groups buy companies and let them run on autopilot. We do the opposite. Every brand inside Arrowhead Advisory Group is built in-house, operated by our team, and held with a generational lens. We are not in the business of selling them off as soon as the multiples look right.

Operate, do not just invest

We run what we own.

Every operating brand has direct leadership accountability inside AAG. No portfolio company drifts.

Build defensible IP

15 patents and counting.

Provisionals filed across payment orchestration, AI compliance, and payment intelligence. The defensible layer underneath every brand we run.

Long-term, generational

We hold for the long term.

We bring a multi-decade lens to every brand. Operational execution today, compounding value across years.

Powering the next generation of technology companies.

Four brands. One foundation.

0030 Payments

Penumbra

Echelon Institute

Penumbra for Platforms

Every brand we build solves a real, expensive problem.

You're overpaying to get paid.

Building payments from scratch takes years.

Skilled people are hard to find and train.

Build, hold, and operate. No passive bets.

We run what we own.

15 patents and counting.

We hold for the long term.

Get in touch.