Carol Hartman

Co-Founder
Threshold Partners

Carol Hartman is the Co-Founder of Threshold Partners, which invests in founders and companies at the intersection of traditional finance, financial infrastructure, and the rapidly evolving landscape of digital currencies, blockchain, and artificial intelligence. Threshold focuses on technologies that accelerate innovation and create new opportunities across financial markets.

Given the pace and complexity of technological and regulatory change, simply writing a check is no longer enough. Drawing on decades of experience in financial services, Carol combines capital investment with active engagement alongside founders and executive teams, helping companies navigate market entry, product strategy, regulatory frameworks, and go-to-market execution. Her investment interests include stablecoins, cross-border payments, digital-asset custody, and emerging financial infrastructure.

Carol’s work centers on translating technological and regulatory change into competitive advantage, with a practical focus on risk, revenue, and execution. She regularly briefs bank boards and CEOs, works closely with management teams to align commercial and regulatory priorities, and connects companies with the strategic partners and institutional relationships needed to scale. She brings an investor’s perspective and an operator’s discipline to identifying opportunities, navigating complexity, and building long-term enterprise value.

Carol is a frequent speaker on financial innovation, digital assets, and emerging technologies, including at Money20/20, Consensus, and Peer Summit.