As CEO and Co-Founder of Dropp, I’m driving the next generation of payments—instant, ultra-low-cost, and cardless. Our platform leverages real-time banking rails (RTP/FedNow) and Hedera’s distributed ledger technology to make even a $1 micropayment ten times cheaper than traditional credit card transactions. With built-in support for USD, USDC, and HBAR, Dropp is reshaping how digital commerce works—for creators, merchants, and enterprises alike. Before launching Dropp, I spent 17 years as CEO and co-founder of OpenCrowd, a fintech innovation studio that partnered with investment banks and startups to design and launch cutting-edge digital products, from tokenized assets to real-time settlement systems. Earlier, I served as Chief Technology Officer at Scient, leading eBusiness, online banking, and P2P payment initiatives for major global banks like Chase, Wells Fargo, and Crédit Agricole, building foundational infrastructure during the early internet era. My journey began at Cambridge Technology Partners, where I spearheaded distributed tech solutions for Fortune 500 companies. With over 25 years of experience at the intersection of finance, technology, and innovation, I bring deep expertise in platform architecture, growth strategy, and market disruption.