Svetlana Burninova

I'm an engineer who spent 15 years in finance before teaching myself cloud architecture in my late 30s. I'm building YPA-FINANCE because I watched my sister drown in a financial system that was never explained to her, and I realized millions of immigrants face the same trap alone.

When Olga moved to the U.S., banks were happy to hand her credit cards at 35% APR. She swiped them everywhere, not understanding what she was building. By the time she called me for help, the numbers had gotten away from her.

I thought I could help. I had 15 years in finance. She had a tech background. We'd figure it out together.

We spent hours with spreadsheets, trying to decode interest calculations and payment strategies. Two experts. Hours of confusion.

Olga was the one who saw it clearly: if we were struggling this hard, millions of others were drowning. She saw a product that needed to exist. I saw a design flaw that needed fixing: a financial system that looks logical from the inside but feels like a trap from the outside.

People were paying for that confusion with late fees, ruined credit, and lost opportunities. Not because they weren't smart enough, but because no one ever explained the rules.

That's what I'm here to fix.

As CTO, I own the cloud infrastructure, security architecture, and DevSecOps practice. I designed and operate the production stack that YPA-FINANCE runs on.

Now I'm building: a multilingual AI platform that doesn't just track your money, it explains it. In your language. With your data. Before it's too late to act.

Not watered down. Not condescending. Just clear.

Because financial confusion isn't a personal failing. It's a design flaw. And I'm an engineer. Design flaws can be fixed.