About us
We want to empower our members to live a more purposeful life with memorable moments and meaningful relationships.
Onyx is a modern and more affordable black credit card membership experience using personalization and AI to anticipate and automate our members’ needs and wants.
Credit cards have been operating the same way since the 1990’s without much change to their operations, user-experience, benefits, experiences and value added services. Despite all that black cards offered by banks are extremely out of reach and up until now only available to the ultra-high net worth individual.
Premium cards today focus purely on extrinsic cookie-cutter member benefits and monetary rewards with a slow impersonal concierge that often fails to impress. Current premium cards have failed to address higher intrinsic growth needs and wants of the new generation. We believe there is a gap with current solutions in serving a new and younger generation of digital-first cardholders who have many different preferences than older cardholders.
Vision
To be the premier and exclusive destination for our members to live a more meaningful life with memorable experiences and purposeful relationships.
We want to democratize, modernize and personalize the black card and luxury concierge experience, proactively anticipating members' needs and wants through the highest quality customer service.
Mission
Values
The Onyx ABCs
Accountable Ownership
We have owners’ mentality but also hold ourselves accountable to the challenges with full responsibility for our decisions and actions.
Big Bold Bets
We take calculated big bold bets with innovation and wisdom. We choose to live on the bleeding edge of what is possible in order to offer our stakeholders the best possible experience.
Customer First Always
The customer always comes first for us. We are dedicated to treating our customers with the highest quality of service and provide them with a customer-centric membership experience.
Development Mindset
Just like our members, we have a growth-mindset and believe that learning to learn with adaptability and curiosity is the best skill you can develop for continuous improvement
Effective Velocity
We move swiftly but coupled with discernment and discipline. We know that in order to innovate and provide the highest quality member experience we must move fast to adapt solutions to our customers needs and wants.
Our Team
Victor Santos
Co-Founder & CEO
Victor is a serial fintech entrepreneur and investor. Previously he worked at Google before founding Airfox / banQi, a neobank in Brazil that was later acquired. He was recognized by Forbes 30 under 30 in 2018 and MIT Technology Review 35 under 35 LATAM Innovators in 2019. He is a UC Berkeley graduate and currently at The Wharton School University of Pennsylvania.
Douglas Lopes
Co-Founder & COO
Doug spent time at Monitor Group, Bain & Co and large multinational companies in Brazil. Most recently, he helped grow Airfox / banQi to millions of users and assisted with the company’s acquisition. He is a MBA grad from MIT Sloan and Mechanical Engineer from USP in Brazil.
Tiago Passinato
CTO
Prior to Onyx, Tiago was the Principal Architect of Airfox / banQi, helping to implement a highly scalable banking platform. He has over 20 years of experience as a Full Stack Software Engineer, working for big companies in the US and Latin America.