Who are we


The Leadership Team:

CTO and co-founder

Yves De Billoëz

Yves started with IT in 1982 and has profound knowledge in different IT domains such as security, cryptography and banking operations.  He has experience in trading operations in Forex, Money market and Capital market.  He has experience of the management of large bank IT departments as well as the management of development teams in the high tech sector.  Yves has international exposure and worked in Europe, Africa, US, Middle-east, Russia.

He launched multiple startups in the high-tech sector.  Apart from application development, he has been focusing on internet technologies since the early start of the internet.

Apart from IT, Yves also lead the development of electronic payments and integrated a highly technological mobile payment platform into an existing bank.

His passion is chess, chess program development and artificial intelligence.

Security and Cryptography manager

Name withheld

He is an experienced IT security and cryptography specialist who has a passion for problem solving. He is a target-driven individual with an aptitude for system analysis and implementing solutions to support security aspects of business objectives in various industries.  His achievements include the banking industry, telco companies and multinational enterprises.

He is a capable and pro-active team player with experience in network and system security, data integrity, disaster recovery, risk assessment and forensics.

With a passion for bitcoin trading and mining, since the start of cryptocurrency.

Richard Ngabonziza

Country Head – Rwanda

Richard has more than 14 years’ experience in the banking industry in Africa with a focus in Treasury Management.

He did hold the role of Head Treasury for a number of local and regional banks ranging from BACAR, Fina Bank, KCB and UOB Bank where he always was a member of the BODs and executive committee teams.

He played a vital role in establishing the Rwanda Dealers Association (ACI Rwanda Financial Markets) for which he occupied the role of chairman since its inception.He specialises in the areas of Money Market, Foreign Exchange Market, Assets and Liabilities Management.

He is in the final stage of his MBA dissertation on Mobile Money Services and  is Project + (COMPTIA) certified.

Our Founder Mentor

Sandeep Sharma

Sandeep has over 2 decades of retail banking, SME and insurance experience . He has played  founding team member roles in large institutions in India,  such as HDFC Bank, HDFC Insurance and ICICI Bank.

In Africa, he had been part of the board, Exco and Head – Retail Banking with Fina Bank, which is celebrated success story of East Africa. He has also served as Deputy Managing Director of subsidiary of a bank in DRC.

Before entrepreneurship, he has also served in Airtel Payments Bank , and his forte is to imagine and execute simple solutions with 6 C’s — Coverage- mass appeal of the services  , Convenience- ease of adaptability , Confidence- of the solution from security point of view , Cost – effective , Compliance – respect of law in letter and spirits and Control- ramping up at a speed, which is optimum.