About
The applied AI research lab for regulated industries.
Founded in 2022 in digital-asset risk and compliance, we kept hitting one problem as AI reached finance: what AI can do versus what regulated institutions can deploy. That gap is our work.
We work across regulated industries: financial services first, and now drug discovery. Our clients must defend their AI to the same standard as the largest players, without their budgets.
We are not a consultancy or integrator. We do first-principles research, working prototypes, and integration architecture for problems with no industry pattern.
I was the designated CTO for Visa’s FedNow pilot with the Federal Reserve. Before that I led engineering on Open VisaNet, Visa’s $200M move from mainframe to distributed processing, handling over $11 trillion a year.
As Chief Systems Architect I wrote the Visa Token Service API specification and shipped OPERA, Visa’s real-time monitoring platform, with 15 people in six months.
I then co-founded Zenda, an HSA and FSA debit card fintech, and led its engineering until InComm Payments acquired it in 2022.
Next I built the full stack for Jewel Bank, licensed in Bermuda for banking and digital assets: the first attempt at a stablecoin-native bank. It ran out of funding in 2024 and is restarting.
Three patents in mobile payment security. BS in Electrical Engineering, IIT Roorkee.
How we work
Time-bounded engagements with defined outcomes. No staff augmentation, no open-ended retainers.
01
Founder-led
Every engagement, by someone who has run financial infrastructure at scale.
02
Research-backed
Advice comes from systems we operate.
03
Built for your infrastructure
We work within its constraints.
04
Honest
If AI is the wrong answer, we say so.