Rhydian founded RateSetter in 2010 to give people the opportunity to earn more on their money. RateSetter introduced the Provision Fund model to loan investing which has helped RateSetter deliver a ten year track record of low risk and liquid investing in both the UK and Australia. Rhydian was awarded an OBE for innovation in financial services, specifically with regard to opening up access to returns. Rhydian believes access to returns is an important part of financial inclusion so that everyone has the same opportunities. Prior to RateSetter, Rhydian spent six years at the financial advisory and asset management firm Lazard.