Alien · Jan 2026 – Present

External payments for a self-custody wallet

Alien proves you’re human – without giving up your data

Like Worldcoin – but more advanced: a social graph, strong biometrics and in-house ML

My corner is the money

Value in and out of a self-custody wallet – for real people and their AI agents, in nearly every country

Rails & providers

235

countries & territories

9

networks → USDC

4×

lower provider fees

12 mo

provider fee grace

Built the external-payments portfolio

One ramp (Stripe) when I arrived. I added Coinbase, Unlimit, Banxa, MoonPay, App Cash and direct Apple Pay top-up – as one experience

Bank-card program, idea to live

Partners, negotiation, signing, launch – with Wirex and Rain. The hardest and most fun part

Virtual accounts & identity at the fiat edge

Bridge and Alfred Pay for accounts; Persona and Sumsub for KYC – where rules demand it, without breaking self-custody

My points of involvement

Payment partnershipsNegotiationOn/off-rampsVirtual accountsCard issuingCross-chainIDV/KYCPRD-firstCross-team delivery

Key stakeholders

CEOCTOTech leadsEngineersPartners

FinTech and KYC discipline in a crypto team: clear scope, dates that hold, and PRDs detailed enough that engineers just build

Sumsub · Feb 2025 – Jan 2026

KYC & identity verification

Lead KYC Product Manager

A global leader in identity verification

Proving someone is a real human – in seconds

The whole KYC product group, every region – focused on the hardest, fastest-growing markets: Indonesia, Colombia, Brazil, Peru, Argentina, South Africa, the UAE, Malaysia and Singapore

Clients

66 → 97%

Automated verification

Found why checks fell to manual, rebuilt the flow per region, proved each fix with data

+3.6 pp

KYC conversion uplift

Cleaner screens, lighter consent, fewer tries to pass – at massive scale

2× Leader

Forrester Wave & Gartner MQ, 2025

I ran the whole submission, around 1,000 analyst questions answered

Ran six big global A/B tests

Models, flow, screen order – and the tricky consent screens

Backed Tier-1 client hunting worldwide

In from early demos through delivery. The go-to on how it works and how to pitch

Sharpened the AI / ML / OCR pipelines

Sharper document reads across dozens of countries; consent & US biometrics

My points of involvement

Product strategyML/AIA/B testingLegal & consentUS biometricsDocument coverageAnalytics & cohortsUnit economicsTier-1 delivery

Key stakeholders

CEOCTOCPOSuccess & Regional ManagersSolution ArchitectsTier-1 clients

A year well spent – turning walls of manual review into flows that just work

Banking

KYC

AML

Onboarding

Risk

Security

Legal

Salesforce

GDPR

PSD2

6AMLD

MasterCard

Visa

PCI DSS

MiFID II

EMIR

CEO

VP

CISO

DPO

CTO

CMO

CLO

Partners

✔ Handling every aspect:

✔ Regulatory compliance:

Key stakeholders:

✔ Built entirely from scratch

✔ Formed and mentored the whole team

Banking-as-a-Service for Neobank

White Label Card Issuing

European Economic Area, CySEC

The next growth milestone for Unlimint

BaaS presentation

Gantt chart for detailed project planning, timing, resources, sequence of stages

A way to prioritize a large list of features

Engagement matrix - the visual way to segment features

Customer Journey Map - the most important document for the Product Manager

Presentations for different audiences

A high-level Roadmap allows you to highlight the MVP and indicate the direction of future development

Multifactor radar analysis of features.The useful method for multifactor impact analysis

Clients should receive information from simple to complex

The Product Vision - it one of the most important product documents

One of many dashboards with business metrics in Salesforce

Sequence Diagrams for Developers and Business are different

My vision of steps how to improve the onboarding process

Visual demonstration of the advantages of the proposed approach

My worldwide product launches

mature

early-stage

disruptive innovation

incremental innovation

Banking-as-a-Service

European Brokerage

PSPs

Banking cashback

Salesforce for worldwide FinTech

Crypto projects

B2B

B2C

complexity level

This chart highlights my top strength in launching new B2B products and startups

My skills are valuable for:

new product launches within established companies

internal startups

growing standalone startups

innovation projects

Other

Payment Service Providers (PSP)

2006-2020

PayPRO

Founded my own startup, I coded it, built it into a company

Promoted it as a SaaS, and sold it to investors in the UAE

2015-
2016,
2020

Crypto exchanges

Two projects created by my own company

The first one was built for an investment fund in Panama

The second for an international FinTech

2018-
2020

International Bonus System

A payment processing system for bank cards, integrated with a bank and blockchain

Led the product from start to launch, delivering a scalable platform in 1 year

2020 Jul -
2023 Oct

Unlimint / CardPay

Developed multiple products at Unlimint and closely worked with PSPs and business processes across all global regions

Including various internal products, risk calculators, merchant applications, back-office systems, and more

B2B2C

B2C

B2B2C

B2C

Sorry, but details under NDA

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✔ Personal investing experience since 2018

✔ Qualified investor status

✔ Expertise in working with exchanges and brokers across various countries

✔ In-depth understanding of market infrastructure, participants, liquidity providers, market makers, and broker types

Other

My points of involvement:
Legal • KYC • AML • Risk assessment • GDPR • Regulation • PSP

Solution Architect

Support

My points of involvement:
Feedback analysis
• NPS • CRM integration • Omnichannel • Live chats

Finance

My points of involvement:
PnL • Unit Economics • EBITDA • ROI • Budgeting • Accounting • Backoffice • Reports • Power BI

Marketing

My points of involvement:
Google Ads • Facebook • UTMs • Channels • Funnel • CPA • 1s conversion • Key events (goals) • Consent • EU regulation •
Contact strategy

My direct responsibilities

Strategy • Budgeting • Unit Economics • Analytics • OKR • Scrum • Customer onboarding • MVP • Product Design • Roadmaps • Cohorts • HADI • Risks • Limits • Strat. events

Personal investment and market expertise:

My role and areas of impact

My points of involvement:
Deep links • Figma • SQL • Security • Testing

Crypto

2015-2016, 2020

2026 – Present

Alien – the crypto stack

Proof of a unique human, verified through biometrics, on-chain

Alien’s own blockchain and smart contracts. A self-custody wallet on Solana, with Meteora liquidity

Aliencoin and its fair launch. A cross-chain bridge brings value in from many networks as USDC, expanding multi-chain

My own part is in the Alien launch above – this is the world it lives in

2022-2023

Crypto banking

periodically

Participated in the architecture of regulated crypto banking in Europe and UAE, including external auditing, delegation of key storage to a specialized company, and independent insurance of client funds

Europe and UAE
2022

Crypto and actual DeFi technology (course)

4 months

Studied and updated my knowledge of decentralized finance (DeFi), Web3, and tokenization

I discovered the rise of new business models, blockchain architectures, layers, and smart contracts, along with their programming languages

So, I decided to update my knowledge and dive into practical training
2020

Crypto: processing, exchanger, and scaling up trading platform

10 months

The client company was preparing for an ICO, launching its own blockchain (fork), and to support their roadshow (investor events)

My team developed a new crypto product for them. This product was a complementary addition to their existing FinTech business
2015

My first Crypto-project: wallets + processing + exchanger

16 months

The first one was built for an investment fund in Panama and Sweden

Included features for buying crypto via wallets, sending it between users, and paying for traditional online services with crypto

I am not permitted to show you the details, workflows, cash flow, actors and agents, information flow or service providers

However, I can share only one of my high-level presentations, using the example of transforming an existing digital bank in the UAE

Digital Bank:strategy of launching Crypto

Vision of Crypto bank as a product

How will I do it

Engagement Matrix: External features

Engagement Matrix: Internal features

My plan and next steps. Preparation

My plan and next steps. Development and support

My plan and next steps. Sales and marketing

Mandatory

Bank mobile app: must-have features

Trends: being implemented today

Additional features: Open Banking

What risks will be solved

Risks to achieve goals

My addition recommendations

Dont read it. Let’s do it!

Salesforce

2021 Nov - 2023 Oct

for worldwide FinTech

Manual work, onboarding speed and costs dropped by 30%

Some dashboards triggered the replacement of ineffective staff

Dashboards, dashboards and dashboards

Created dashboards for every department, supporting heads, team members, top management, and marketing
Automated compliance systems

Automated KYC, AML processes, risk management, and a version-controlled risk calculator
Advanced support systems

Developed custom support tools, including the complex application for implementation department
Customized onboarding processes

Implemented adaptive onboarding processes for a range of financial products
Effective cold lead management

Built a multi-step cold sales process featuring automation and a current contact list
Custom regional onboarding

Adapted onboarding features for different regions worldwide

Apologies for the low quality of some images
Personal and commercial data have been blurred for privacy

Visual representation of opportunity pipeline stages, enhancing decision-making

KYC verification status and details managed within Salesforce using SumSub integration

LinkedIn integration within Salesforce to enhance lead engagement and networking

Custom document templates for automated DocuSign processing within Salesforce

Custom merchant application form for capturing business details securely

Integrated email communication within Salesforce for seamless lead management

Visualizing lead and opportunity distribution per person in Salesforce

Real-time tracking of sent documents directly within Salesforce using DocuSign

Custom form in Salesforce for managing gateway data and approval processes

DocuSign reminders set directly from Salesforce for efficient document processing

Send documents for review or signature directly from Salesforce with DocuSign

Managing merchant applications and tracking document signatures efficiently with Salesforce

Dashboards showcasing sales funnels for data-driven decision-making

Banking cashback

2018-2020

This my product utilized a third-party bank’s infrastructure for card issuance, maintenance, and cashback management

We also had agreements with merchants who provided rewards for purchases made with our cards

we kept 1/3 of these rewards
1/3 was paid out as real cashback to bank card
another 1/3 was issued in blockchain tokens

BaaS client

Built a client Banking-as-a-Service solution for seamless card issuance, payments, and cashback integration

Delivered a scalable platform in 1 year
Full FinTech solution

Delivered a full-scale FinTech solution with advanced back-office management and real-time dashboards