Founder & CEO
Nathan Cater
Nathan Cater enlisted in the United States Marine Corps in 2002, straight out of high school. He deployed as an 0341 mortarman with Weapons Company, 2nd Battalion, 23rd Marines, under then-Sergeant Javier Romo. The Corps gave him what never shows up on a balance sheet: accountability, composure under pressure, and the discipline to finish what you start.
After the Marines came ten years in residential lending, learning the business in and around Beverly Hills. He watched banks get built and sold, and saw how money really moves — and how often the people who own the capital are the last ones left in control of it.
From lending he moved into residential development, where he learned the lesson that still runs the company: nothing matters more than great partners.
Then COVID hit. With the world on pause, Nathan taught himself to code — and started building the thing he had spent a career wishing existed.
That became PHOCIS: bank-custodied clearing infrastructure that replaces legacy escrow. Funds held under the lender's own EIN, every transaction gated through a 50-state compliance engine, every idle dollar finally put to work.
How we lead
We invest in people, not just product.
The belief that built PHOCIS shapes how we build our team: talent is everywhere — opportunity isn't. So we create it. We back people, sponsor their futures, and help them build lives they choose.
Waqas
First Banking Portal
We sponsored Waqas's move out of Afghanistan to a new life in Manchester, United Kingdom, where he now lives, works, and studies at the University of Manchester. He built our first banking portal.
Muhammad
Current Developer
Today we're sponsoring Muhammad's relocation from Pakistan to Spain, helping him build a future on his own terms while he helps build ours.
These aren't perks or press releases. They are people whose lives changed because a small company decided that betting on human potential is the smartest, and most human, investment it can make.
