Portrait of Khash Sarrafi

Khash Sarrafi

Chief Technology Officer, Future Capital

Hands-on executive leader with 29+ years driving growth across AI, fintech, blockchain, and healthtech—now building retirement technology at Future Capital while advising on distributed ledger systems, stablecoin infrastructure, and digital transformation.

About Me

Driving Innovation Through Experience

I believe true leadership is about rolling up your sleeves and building what matters—systems, teams, and solutions that make a real difference. My passion is rooted in solving complex challenges, not just for organizations, but for the people they serve: patients, clients, and communities.

Today, as CTO at Future Capital, I'm focused on wealth and retirement convergence—bringing workplace savings and private wealth management together so individuals, advisors, and institutions can work from a unified view of the financial picture. We're building the technology that connects these two worlds to drive better individual outcomes: clearer guidance, professional management, and a confident path from saving to retirement.

My blockchain work runs deep. I've been involved in crypto and distributed-ledger technology since Bitcoin's early days. As an advisor from inception, I helped shape Apache ResilientDB (Incubating)—a first-of-its-kind, high-throughput blockchain fabric—across system design, industry requirements, commercialization, and government funding. That work continues today as the project advances within the Apache Software Foundation. More recently, I've led stablecoin research and development, including StableBank—institutional-grade settlement, compliance, and clearing infrastructure with a live demo on Railway and open source on GitHub.

Previously, I founded and led TeleMeet from concept to acquisition, reimagining digital engagement for highly regulated industries. My approach is always hands-on, blending strategic vision with the grit to deliver results that last.

For me, this work is more than a career—it's a calling. I thrive at the intersection of technology and human impact, driven by a relentless curiosity and a commitment to doing things the right way.

I'm equally passionate about giving back. As an educator and mentor, I've led programs in AI, robotics, and entrepreneurship, believing that innovation starts with empathy, inclusion, and empowering the next generation.

Hands-On Leadership, Proven Results

Proven Builder & Exit Leader
Envestnet, Ernst & Young, MokaBlox
C-Suite & Board Advisor
Transformation, growth, and operational excellence
Management Consulting
Complexity, opportunity, and lasting change
Blockchain & AI Innovation
Stablecoin R&D, Apache ResilientDB, and applied AI systems
Apache ResilientDB Advisor
Inception to ASF incubation—design, funding, commercialization
Fortune 500 Partner
JPMorgan, BofA, Merrill, Fidelity, J&J, Novo Nordisk
Scale & Operations
$600M+ budgets, 2,000+ global teams
Powerful Network
Curated teams of world-class experts for every project
Mentorship & Next-Gen Leadership
Empowering future leaders through education, coaching, and inclusion
29+
Years Experience
4
Successful Exits
$3B+
Value Created
But what matters most: a passion for building, a bias for action, and a belief that technology should always serve people.
Services

Focus Areas

Specialized expertise to drive your business forward

Enterprise Digital Transformation

AI/ML integration, cloud migration, data governance, and operational excellence for Fortune 500 companies.

Fintech & Wealth Management

Retirement platform development, regtech solutions, compliance, and wealth management technology.

Blockchain & Digital Assets

Distributed ledger architecture, stablecoin R&D, and enterprise blockchain—from Bitcoin-era infrastructure to Apache ResilientDB and institutional settlement rails.

Healthcare Technology

AI-driven patient engagement, HIPAA-compliant platforms, clinical communication systems, and healthcare analytics.

M&A Strategy & Integration

Exit planning, acquisition strategy, post-merger integration, and value realization.

Executive Leadership

Fractional CTO/CIO, board advisory, team building, and strategic technology leadership.

Education & Training

AI/Robotics curriculum development, entrepreneurship education, and technology skills training.

Experience

Career Journey

From Fortune 500 leadership to fintech exits, Apache ResilientDB, and stablecoin R&D—and now retirement technology at Future Capital

NEW

Chief Technology Officer

Sep 2025–Present
Future Capital

Leading technology strategy for a fiduciary retirement platform that helps advisors, institutions, and individuals plan for retirement with confidence. Driving platform innovation across held-away 401(k) management, professional portfolio guidance, and scalable fintech infrastructure.

Visit futurecapital.com

Strategic Technology Advisory

2024–Present
RevestIQ Consulting

Strategic technology advisory for regulated industries—helping leaders turn tech into growth, including blockchain, stablecoin infrastructure, and enterprise AI.

Visit revestiq.com

Architect & R&D Lead

2024–Present
StableBank

Leading stablecoin infrastructure research and development—dual-chain settlement, bank-grade compliance controls, reserve verification, and clearing network design. Live interactive demo on Railway with open-source implementation on GitHub, built on ResilientDB settlement patterns.

View on GitHub

Instructor & Advisor — AI, Robotics, Entrepreneurship

Jun 2024–Aug 2025
Union County Public Schools

Developed and delivered hands-on CTE curriculum in AI, robotics, and entrepreneurship. Built project-based learning experiences blending technical education with business thinking, including partnerships with Carnegie Mellon Robotics Academy.

CEO & Co-Founder

2020–2023
TeleMeet.ai
Acquired by International SaaS Firm

Built AI-powered engagement and compliance platform from concept to acquisition. Scaled enterprise contracts with Merrill Lynch and LPL Financial across finance and healthcare. Led product, GTM, and exit.

Advisor & Co-Founder

2018–Present
MokaBlox / Apache ResilientDB
Now part of Apache (Incubating)

Advisor from inception through Apache Software Foundation incubation. Contributed to architecture, industry use cases, commercialization, and government funding for a first-of-its-kind high-throughput blockchain fabric—now Apache ResilientDB (Incubating)—developed with UC Davis for global-scale distributed ledger workloads.

Visit Apache ResilientDB

Senior Vice President, Head of Retirement

2015–2020
Envestnet, Inc.
Acquired by Bain Capital

Led retirement division strategy, product, and operations with $100M+ P&L. Drove AI/ML platform transformation, wealth-retirement convergence, and strategic acquisitions. Directed 150+ person org across product, engineering, and client success.

CEO & Co-Founder

2007–2015
Castle Rock Innovations
Acquired by Envestnet

Built industry-standard 401(k) data exchange and regulatory automation platform adopted by top retirement providers including Fidelity and John Hancock. Scaled from consulting to SaaS and led acquisition by Envestnet.

Global Director, Information Technology

2004–2007
Timex Group

Led global IT operations across five countries for Timex's $1.4B business. Modernized infrastructure, implemented supply chain data warehouse, and reduced OPEX 15% through vendor negotiations with Oracle, Amazon, and Accenture.

GM, e-Business & Global Data Warehouse

2001–2004
United Technologies

Managed $600M IT budget and 2,000+ global team. Drove enterprise virtualization from 10% to 80% utilization and built unified analytics for Carrier, Pratt & Whitney, and UTC divisions.

Executive Managing Director / CIO

1996–2001
Tallan (Acquired by EY)
Acquired by Ernst & Young

Scaled the firm from $10M to $500M+ revenue across finance, healthcare, and e-commerce. Led AI-powered analytics products and enterprise delivery for Bank of America, J&J, Novo Nordisk, and NASDAQ. Key role in acquisition by Ernst & Young.

Academic Roles

Faculty & Instructor Positions

Instructor at Columbia University

1996–2000

Innovation and Technology

Lecturer at University of Connecticut

2004–2010

Entrepreneurship and Technology

Testimonials

What Clients Say

Khash's expertise was instrumental in transforming our compliance infrastructure. His strategic vision helped us navigate complex regulatory requirements.

Head of IT, Fortune 500 Financial Services

A true technology leader who delivers. Khash helped us scale from startup to successful exit, always focused on sustainable growth.

CEO, Acquired FinTech Startup

His deep understanding of both technology and business drove our digital transformation success. Exceptional at translating vision into execution.

CTO, Healthcare Enterprise

Notable Clients

Fortune 500 companies and industry leaders

18 engagements
Ameriprise

Ameriprise

Led 401k compliance initiatives, data management, and fiduciary services.

Finance

Contact

Let's Connect

Ready to discuss your next project?

Let's talk about your next project or how I can help your business grow.