Torque

History

Torque positions itself as infrastructure for onchain and hybrid finance: aggregating balances, yield and credit into one product surface for individuals, businesses and developers integrating via API.

Founders

Cameron Conrad is the founder and chief executive officer of Torque, the global financial technology company behind Torque's self-custodial digital wallet and Money OS. Based in Newport Beach, California, Conrad founded Torque in 2023 to unify trade, transfer, lend and borrow into a single intelligent balance with best-price execution—while users retain custody of assets.

Before Torque, Conrad built and scaled eCommerce and dropshipping businesses beginning in 2016, including consumer brands and educational platform dropship.co, after teaching himself full-stack web development. That operator background informs Torque's focus on automation, routing and a unified interface for individuals, businesses and developers integrating via API. Conrad leads Torque alongside an executive team spanning operations, engineering and ecosystem partnerships. Torque states it is not a bank and balances are not FDIC-insured.

Positioning

Torque positions itself as a self-custodial Money OS rather than a deposit-taking neobank: users keep custody while accessing trade, transfer, lend and borrow flows from one balance. It targets individuals, businesses and developers via API, and explicitly states it is not a bank and balances are not FDIC-insured.

Products

The Torque wallet emphasises self-custody, P2P transfers, yield on idle balances, borrowing against portfolio collateral and developer APIs for trade, transfer and checkout. Torque states it is not a bank and deposits are not FDIC-insured.