Get to know Toqio with Marcello Silvestri

At Toqio, we believe our people are the driving force behind our success. In this instalment of our series, we spoke to Marcello Silvestri about why he chose to join our team and what makes our approach to B2B embedded finance so unique. From our co-founders' compelling vision to our collaborative, solutions-focused mindset, Marcello offers and inside look at how Toqio brings together talent, innovation, and a truly international perspective to redefine financial services. Let's dive in.

1. What attracted you to Toqio?

What first drew me to Toqio was the strong vision Eduardo and Michael had in creating the company, along with the passion and dedication they continue to bring. Their focus on redefining B2B embedded finance is changing how large corporates deliver financial services to their merchant networks. Toqio empowers corporates to design, launch, and scale new revenue streams through a cutting-edge low-code/no-code platform that truly stood out to me.

The company’s international outlook, with teams in both Madrid and London, was another key factor in my decision. Being part of such a dynamic, multicultural group is inspiring. Toqio’s well-known investors and board members also underscore the strength of its mission and long-term potential. It’s an organization making a tangible impact, and I wanted to be part of that journey.

2. What makes Toqio a special place to work at?

Only four months in and I can confidentially say that Toqio is a special place to work because of its strong 'let's do' attitude. The culture here is all about taking action, finding solutions, and always delivering value to our customers. We don't just keep enhancing our low-code platform; we listen and work closely with our clients and partners to ensure they succeed, constantly innovating to help them grow.

Our approach to attracting prospects is just as dynamic, always looking for new and creative ways to engage and demonstrate the impact of embedded finance. Internally, we have a strong 'listening mode' across teams; respecting and learning from each other is key to how we grow, both as individuals and as a company.

There's also a paramount laser focus on recognizing and leveraging each team member's strengths, ensuring that support is always available where needed.

At Toqio, we are all aligned in delivering value, building long-term strategic partnerships, and pushing the boundaries of innovation in B2B embedded finance. That shared mission makes it an exciting and rewarding place to be.

3. What are you most excited about for the future?

I'm most excited about contributing as much as I can to increase Toqio's value in the market, driving long-term impact for both customers and investors.

Our goal is to become THE go-to B2B embedded finance platform, enabling corporates to seamlessly create, launch, distribute, and scale bespoke financial products. It won't be plain sailing, as the market is highly dynamic; conditions, regulations, and client requirements are constantly evolving. That's why adaptability is key, and we must stay ahead by anticipating industry needs.

Adaptability is also driven by AI that is of course already playing a fundamental role in the B2B embedded finance vertical especially on risk assessment, automating compliance, and optimizing financial product personalisation at scale. It is paramount to also invest in AI-driven analytics to help businesses making smarter, faster decisions while reducing friction in financial processes.

I look forward to continuously enhancing our platform to deliver real, sustainable value and drive innovation in the industry.

Marcello's story underscores that Toqio isn't just transforming finance through technology, it's cultivating a culture where every team member's strengths matter. We're committed to empowering each other and our clients to grow and succeed in new and impactful ways. As we continue to shape the future of B2B embedded finance, our people-first ethos remains at the core of everything we do, driving value for our customers and laying the groundwork for a lasting, positive impact across the industry.