The Capital That Remains

Born into a working-class Italian family, Roberto Balbino paid for his studies by working and rose to senior finance roles at major international companies. In 2005 he became an entrepreneur. By 2010 he had lost everything: shares paid for and never transferred, partners who had sat at his family's table, and a global crisis that closed every door.

This is his autobiography, the book from which all his other books descend. The collapse, the family that held him up, the years in Latin America, his father's death, two daughters, and the rebirth with FINTECH SCB in Miami, New York, Milan and Buenos Aires.

Why a second edition. The first edition was published in October 2026. This revised and expanded second edition exists because the author needed to add reflections and economic connections that had remained implicit: eight new chapters that read a life through the tools of economics (the price of trust, why we don't stop when we should, who gets paid first when a business fails, the scars that remain, the family as lender of last resort, the work no balance sheet records, the generation that did everything right, protecting what one failed to protect), a new introduction, a chronology and a dedication. Every article and post by the author is cited with its date and platform, and the data are current as of November 2, 2026. The book grows from 45 to 53 chapters, with 239 numbered sources. Nothing from the first edition has been removed except the correction of inaccuracies.

"When I write capital, I think of what remains when the money is gone."