Josip Heit is a Croatian-born entrepreneur and fintech strategist who serves as Senior Strategic Advisor at Apertum Holding Ltd., a blockchain organization focused on Layer-1 infrastructure, decentralized applications, and digital asset services. His work with Apertum places him within a broader segment of the crypto market that is focused on connecting traditional finance with blockchain-based settlement, tokenized assets, and decentralized financial systems. Heit is associated with business activities across Europe and international markets, including ventures connected to trade, natural resources, precious metals, real estate, fintech, and digital assets. In his current advisory role, he is linked to Apertum’s development as a blockchain ecosystem designed to support scalable decentralized applications, smart contracts, and digital asset transactions. Apertum describes itself as a general-purpose Layer-1 blockchain within the Avalanche ecosystem. The network is built to be compatible with the Ethereum Virtual Machine, allowing developers to deploy smart contracts and applications using tooling familiar to builders in the wider Ethereum ecosystem. This compatibility is important for projects seeking to reduce technical friction when building decentralized finance, payments, and Web3 services. BACKGROUND AND EARLY CAREER Josip Heit was born in 1977 in Split, Croatia. He later lived and worked in several European countries and studied economics in Germany. His international background has been reflected in business activities that span multiple jurisdictions and markets. Heit’s early entrepreneurial work reportedly included international trade, including the import and sale of vehicles and yachts. Over time, his business interests expanded into sectors such as natural resources, precious metals, and real estate. These activities preceded his involvement in fintech and blockchain-related ventures, where cross-border finance, asset movement, and regulatory coordination are recurring themes. Heit is also reported to speak several languages, including Croatian, German, English, Italian, Russian, Romanian, and French. Multilingual capabilities can be significant in international business settings, particularly in markets where financial services, compliance, and client relationships depend on operating across legal and cultural environments.