Invisibly Federal Reserve Bank of St. Louis 2017-Present Deputy chair of the central bank's eighth district. Fintop Capital 2017-Present Co-founder and general partner of fintech investment fund. Inc.: At Invisibly, you're trying to help consumers understand how their data is monetized for ads. Why? McKelvey: I believe that individuals should own their data. We have several very powerful companies whose business is to give you "free" stuff, but you essentially pay them with your identity. Inc.: Can you tell me about micropayments? McKelvey: Efficient micropayments would be hugely valuable in media, for example, where the current model is a lump subscription fee that doesn't make sense for most consumers.