I am the Founder & CEO of Tonik, the Philippines’ first licensed digital bank. We're building the region’s leading credit-led neobank, scaling with industry-leading lending profitability and contribution-margin positivity as of Q1 2025. Backed by Insignia, Mizuho Bank, Peak XV (ex-Sequoia), and Point72, with $150M+ raised to date, we’re unlocking a $40B consumer credit gap through AI-driven lending and B2B2C distribution. I've been building banks & fintechs for 20+ years (Credolab, FLOW, AsiaKredit, FORUM, Platinum Bank), passionate about solving credit access in emerging markets. I bring a global lens—having lived in 8 countries and skippered my sailboat across Asia. Also, I make music (yes, on Spotify). If you're an operator or investor aligned with bold, disciplined fintech plays—let’s talk. Not here to be sold stuff, but always open to real conversations.