miikey_

I’ve built businesses in consumer internet and worked on protocol infrastructure. Those experiences now inform my work on cross-border payments: connecting financial networks whose rules, incentives and failure modes rarely line up.

At UQPAY, I lead product and engineering as one discipline. Architecture determines what we can promise a customer; product judgment determines which constraints are worth rethinking.

AI is changing both how we build software and what software can do on our behalf. I’m exploring agentic payments and programmable settlement—especially how to give agents the ability to transact without making a model the authority over money.