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Jonathan Arvay

He builds payments infrastructure and runs a PTSD program for veterans.

He served in the U.S. Army from 2006 to 2014, including two tours in Iraq — fifteen months in 2007 and 2008, and a second in 2010 and 2011. He is rated 100% disabled by the VA.

After his service, he built two things at once: payment infrastructure that makes business revenue verifiable rather than asserted, and a veterans organization that runs a supervised program for PTSD.

What he's building

Trust Fabric is payments infrastructure that converts every transaction into cryptographically auditable proof of cash flow. Most small companies cannot substantiate their revenue to a buyer, lender, or investor — screenshots are not evidence, and reconstructing transaction history during diligence is slow and often incomplete. Trust Fabric establishes the record as each transaction occurs, not after the fact.

PAID is the payment intelligence and orchestration platform built on that record. Cards, ACH, and USDC route through one integration instead of one processor's rails, so a merchant can accept a payment method a single-processor setup would have turned away — opening up more of a merchant's customers to a completed payment. On the risk side, PAID is in active integration talks with nSure.ai for chargeback and fraud liability coverage; that relationship is real but not yet live, and any approval-rate figures tied to it stay unpublished until they're contractually confirmed, not asserted from a sales conversation. PAID also gives companies with a verifiable revenue history a documented path to acquisition.

Iliad generates deterministic artifacts for AI coding agents. Point it at a codebase and it produces the context files an agent needs to work within it — the same inputs producing the same outputs every time.

AXIS Launch is a discovery and acquisition platform for AI-generated applications. Makers list an app, connect PAID, and build a verifiable revenue history; once that history shows real traction, they can sell or license the app through an escrow-mediated marketplace.

Last Man Up is a veterans organization building a 90-day, non-combat-tour program for PTSD, run under licensed clinical supervision. The pilot cohort departs in September 2027. Arvay directs the program. Last Man Up Inc owns the companies, so the mission is funded by the technology rather than by grants.

Why these are the same work

A veteran with PTSD can't trust what he knows happened; a founder in diligence can't prove what he knows happened. Both organizations answer that the same way: with a record, not a claim.

Trust Fabric does that for money — a cryptographic record in place of a claim. Last Man Up does it for veterans, through a supervised program with stated limits on what it is and is not.

Where he is

He lives in Valparaiso, Indiana, and homeschools his daughter.

He is not a clinician and does not present himself as one. The clinical work at Last Man Up is done by licensed professionals, who will be named publicly, with credentials, before the first cohort departs.

Elsewhere

Trust Fabric is live. The Last Man Up pilot cohort departs in September 2027.