About
the
platform
Cruz Payouts is a payout platform designed for pubs and clubs to deliver payments and compliance within a controlled, auditable workflow.

Why it exists

Payouts are now a critical control point within gaming venues, with increasing regulatory expectations around verification, screening, and reporting before funds are released.

Cruz Payouts has been developed to support venues in meeting these requirements through a consistent and auditable payout process.

Regulatory and payments infrastructure

Cruz Payouts operates within the regulatory and payments frameworks required to support compliant payout services in Australia.

  • AUSTRAC registered
  • Direct access to NPP via Zepto for fast, low-cost payments, approved for gaming-related use
  • Bank account verification for payout compliance
  • AFSL authorisation supporting regulated payment services
  • ISO/IEC 27001 certified

Built by experts in regulated payments and compliance


Cruz Payouts has been developed by a team with deep experience across payments infrastructure, regulatory compliance, and high-risk transaction environments.

Cody Harmon, CEO of Base2 Asset Management.
Cody Harmon

Chief Executive Officer

Cody is a fintech entrepreneur with a strong background in financial services, compliance, and blockchain technology.
As co-founder of Cruz, he focuses on building seamless onboarding and verification systems for regulated industries.
Previously, he was recognised as the youngest ever recipient of the Financial Planning Association’s AFP® Australian Financial Planner of the Year Award.

Portrait of Michael Bacina, Strategic Advisor at Base2
Craig Robertson

Non-Executive Director (AML/CTF)

Craig brings over 20 years of experience in financial crime prevention across government and financial services. A former AUSTRAC executive, he has led anti-money laundering, counter-terrorist financing, fraud, and sanctions programs at scale.
At Cruz Payouts, Craig supports the strengthening of AML/CTF governance and control frameworks, ensuring the platform aligns with evolving regulatory expectations and industry best practice.

Portrait of Michael Bacina, Strategic Advisor at Base2
Tim Brookes

Chief Operating Officer

Tim is a senior executive with nearly two decades’ experience across financial services, private equity and regulated entities. His background spans investment banking and private equity, leading M&A, venture capital and enterprise risk across multiple jurisdictions, regularly leading $20b+ transactions. He runs Brookes Home Office, a private family office, and holds COO and board roles across several sectors. With a family background in retail, pubs, hotels and banking, he oversees operational scale and execution at Cruz.

Portrait of Charles Belford, Head of Quant Fund Management at Base2.
Gerard O'Reilly

Chief Revenue Officer

Gerard O’Reilly is responsible for the P&L and strategic direction of Cruz Money’s Financial Services business across APAC. A dynamic fintech and technology leader with a background in compliance, fraud, and cyber risk, Gerard has built a track record of helping private-sector organisations align for high-value growth while managing emerging external threat vectors. With 15 years of consultancy experience, he streamlines objectives using best-practice techniques and develops credible, evidence-based business cases that support transformation with projected returns.

Portrait of The Hon Helen Coonan, Strategic Advisor at Base2.
Tom Scahill

Head of Sales

Tom brings over two decades of experience leading high-value technology sales across cybersecurity, financial crime and enterprise SaaS environments. He has held senior roles with organisations including Feedzai, BAE Systems Applied Intelligence and Synopsys, delivering complex, risk-focused solutions to regulated industries. At Cruz Payouts, Tom leads customer acquisition and onboarding, working closely with operators to implement structured payout workflows with minimal disruption and clear commercial alignment.

Portrait of The Hon Helen Coonan, Strategic Advisor at Base2.
Nat Daley

Co-Founder

Nat Daley brings over 15 years of experience in financial services innovation and technology. As Co-Founder of Cruz, he has led product development, regulatory engagement and business model validation, helping shape compliant payment infrastructure for regulated industries.

Nat combines strategic vision with hands-on execution, ensuring Cruz Payouts delivers practical, defensible solutions aligned with evolving AML/CTF and financial services obligations.

Portrait of Nat Daley, Chief Operating Officer at Base2.
Michael Bacina

Strategic Advisor

Michael is a senior digital and financial services lawyer with deep expertise in regulatory structuring, compliance and emerging payment technologies. A former partner at Piper Alderman, where he built the firm’s blockchain and fintech practice, Michael advises companies and regulators on navigating complex legal and policy environments.At Cruz Payouts, Michael provides strategic legal oversight, ensuring the platform’s structure, contracts and regulatory positioning align with evolving financial crime and compliance expectations.

Portrait of Nat Daley, Chief Operating Officer at Base2.
Richard Smith

Chief Marketing Officer

Richard leads brand, communications, and industry engagement at Cruz Payouts, supporting growth across regulated markets. With over a decade of experience in fintech, digital assets, and compliance-led industries, he specialises in translating complex regulatory and technical frameworks into clear, defensible propositions for boards, operators, and institutional stakeholders. He also works across regulated sectors including pharmaceuticals and financial services, supporting strategic growth in high-compliance environments.

Portrait of Nat Daley, Chief Operating Officer at Base2.
Alfred Presley

Strategic Advisor

Alfred Presley is a seasoned financial adviser with extensive experience advising high-net-worth individuals and family offices on risk management, governance and financial controls. At Cruz Payouts, Alfred provides strategic oversight on financial structuring, risk frameworks and operational integrity, ensuring the platform meets the standards expected in regulated environments. His background in financial strategy supports disciplined growth and strong governance as Cruz scales.