The People Who Can't Drive
Access to AI has been democratized. The capacity to wield it has not. And the gap is widening faster than any technology gap in human history.
Builder · Operator · $700B+ Processed · 2 Exits
Chris Wyatt
Co-Founder & CSO, Finexio. Building autonomous B2B settlement on J.P. Morgan rails.
Federal Reserve · NACHA · HIMSS · 3 books · 4 advisory roles
$700B+
Cumulative Volume
Across 20+ years
$12B+
Annual Run Rate
Finexio · 2026
$3B
Blackstone Acquisition
Emdeon · 2011
$300M
WellPoint Acquisition
AIM · 2012
Latest take
01Structural Thesis
Structured data is the prerequisite
for autonomous finance
Data Infrastructure
The prerequisite nobody is solving
LLMs cannot execute on chaos. B2B and healthcare networks fail at the data layer, not the money-movement layer. Structured schemas are the foundation.
Agentic Automation
Zero-touch financial execution
Convert unstructured supplier data into autonomous settlement and the human-in-the-loop disappears for standard transactions. That is the moat.
Capital Efficiency
Basis points without headcount
When infrastructure replaces manual reconciliation, unit economics reset. Channel partnerships compound ARR while headcount stays flat.
Latest Writing
Long-form on agentic payments
Long-form essays on agentic payments infrastructure. New pieces when the analysis is ready.
02Career
One playbook. Three companies. Two exits.
Convert EDI chaos into structured, automatable settlement. Currently running Finexio at $12B+ annual processing volume on J.P. Morgan rails. Earlier iterations of the same playbook drove Blackstone's $3B exit of Emdeon and WellPoint's $300M acquisition of AIM. Hover any role for the detail.
2010
2014
2018
2022
2026
2019 – Present
Finexio
Co-Founder & Chief Strategy Officer
$12B+Annual Run Rate · Active
Co-founded and scaled a B2B payments network from pre-revenue inception to a $12B+ annual run rate. Built greenfield on J.P. Morgan rails: the platform settles millions of transactions daily at near-zero marginal cost, redesigning the B2B settlement loop by eliminating manual touchpoints. Replaced manual reconciliation with a unified, deterministic data schema that enforces B2B payment logic across heavily regulated environments. Converting unstructured supplier data into autonomous settlement pipelines drove massive net-new ARR via channel partnerships, expanding network liquidity and capturing basis points without proportional headcount growth.
03Education
Education
Two degrees underpinning two decades of operating across enterprise finance and health systems.
University of Michigan
Master of Business Administration
Michigan State University
Bachelor of Science · Business Administration
04Scale & Impact
National scale, hard numbers
Two infrastructure mandates. Two of the largest financial processing footprints in US healthcare and B2B payments.
$160B
Annual Processing Volume - Change Healthcare
Directed the B2B and Patient payments divisions across the largest US healthcare clearinghouse.
So What?
Converted a legacy print-and-mail remittance business into an $8B virtual card payments operation, generating $80M in net-new revenue in 18 months.
$12B+
Annual Processing Volume - Finexio (Scaled from Zero)
Built a B2B payments network from a greenfield data schema to $12B+ in annual processing volume in under six years.
So What?
Founded a B2B payments company from pre-revenue inception. Scaled network liquidity to $12B+ in annual transaction flow, maintaining a hyper-growth trajectory from pre-revenue inception.
05Strategic Outcomes & Liquidity
Infrastructure drove the exits
One playbook (EDI chaos to structured autonomous settlement) executed at three companies. Two institutional exits.
$3B
Blackstone Acquisition
Ran a $160B/yr division. Generated $80M of net-new revenue from a print-and-mail business converted to virtual card. Built the data infrastructure that anchored Blackstone's $3B exit of Emdeon.
$300M
WellPoint Acquisition
Stripped $150M+ in administrative overhead. Built the data infrastructure and operational model that drove WellPoint's $300M acquisition thesis for AIM Specialty Health.
06Advisory & Board
Strategic Advisory Roles
Active advisory engagements across the healthcare payments, patient financing, and AI-driven revenue cycle ecosystem.
PayZen
2019 – PresentStrategic Advisor · Patient Financing
Advising executive leadership on go-to-market strategy, payment orchestration, and enterprise scaling for their patient financing platform. PayZen is redefining how healthcare providers capture patient liability through AI-driven financial products.
Zelis Payments
2018 – PresentStrategic Advisor · Healthcare Payments
Advising on product innovation and multichannel payment architecture, accelerating their transition toward intelligent automation and services software. Zelis processes hundreds of billions in healthcare payment transactions annually.
Finalytics
2020 – PresentStrategic Advisor · Revenue Cycle & Banking
Advising on product-market fit and enterprise positioning at the complex intersection of healthcare revenue cycle and banking infrastructure, a structurally underserved market requiring deep domain authority on both sides.
CirraGroup
2015 – PresentStrategic Advisor · Medical Debt Resolution
Guiding product strategy and AI integration to transform adversarial medical debt collection into a resolution-oriented, automated patient experience, converting a historically predatory category into a patient-aligned revenue cycle asset.
07Recognition
Industry recognition
Tier-one integrators and healthcare investors recognizing Parasail's structural fix to the patient revenue cycle.
Global integrator
Accenture HealthTech Innovation Challenge
Recognized for the data and financial infrastructure that underwrites and routes patient liability at scale, materially reducing AR days for health systems.
Healthcare investor
Healthbox Studio
Selected as a structural fix to patient-driven financial friction. Not incremental. A redesign of how patient liability is originated and managed.
08Industry
Industry standards
Federal Reserve BoardNACHAHIMSS
Working-group contributor
Working-group contributor on the national frameworks for electronic payments and healthcare-data interoperability. The work sits where B2B payment schemas meet healthcare EDI: the data standards that move the US toward real-time, autonomous settlement. Active since 2011.
09Publications
Books
Three books documenting the structural shift underway in B2B finance, from manual back-office operations to fully autonomous, agent-driven settlement infrastructure.
2026
The Last Invoice: How AI Agents Are Ending the Back Office and What Comes Next
10Media & Keynotes
Interviews & Commentary
Selected TV, podcast, and print covering the move from manual back-office finance to autonomous agentic payables.
PYMNTS TV
2024
Back Office Takes Front Row as Firms Automate B2B Payments
Discussed AP as a key to unlocking efficiency and digital transformation.
PYMNTS TV
2024
"What's Next In Payments" Series
Television segment analyzing the macroeconomic shifts driving autonomous B2B finance.
PYMNTS TV
2024
"What's Next" Live Interview
Live television interview breaking down real-time movements in B2B financial infrastructure.
PYMNTS TV
2024
Embedded Solutions Transform AP
How embedded solutions turn Accounts Payable from a cost center into a profit center.
PYMNTS.com
2024
AP Takes the High Road to AI-Powered Growth
Explaining how modernization and AI transformation can be incremental but powerful.
PYMNTS.com
2024
AI Impact in Supplier Enablement & Predictive Analytics
Opinion piece on AI-driven supplier enablement predicting payment preferences.
12Pattern Recognition
Eight theses, one pattern
Twenty years inside US healthcare clearinghouses produced the same observation across surface after surface. Canonicalization beats workflow. Two of these are in active discovery. The rest are essays.
13Contact
Get in touch
Direct inquiries only. I respond to relevant messages as needed.