The foundation for The Future Of finance

As core contributors to the Millicent Network, Millicent Labs are building the open financial infrastructure of tomorrow — blockchain rails that makes transferring value as seamless as the internet has made transferring data.

We aim to power a new era of financial services that are more efficient, powerful, transparent, and secure — delivering the true benefits of digital finance to everyone, everywhere.

We're proud to be supported by the best government and institutional bodies as we create a future where the idea of sending a 'cross-border payment' is just as jarring as the idea of a 'cross-border email'.

Stella Dyer

Co-founder, ceo

Senior management expert at the forefront of global finance and leadership, ex-investment banker with Morgan Stanley, Tech-Ops at JP Morgan, and managing Goldman Sachs' Global High Tech Investment Banking Unit.

MBA, Harvard Business School

Umair Sarfraz

Co-Founder, Engineering

Early employee, senior software developer and technical lead with the IOTA foundation. Highly skilled in systems architecture, wallets, microtransactions, cloud security, and team management.

PhD Candidate, Computer Engineering, TU Berlin

Dr. Zakwan Jaroucheh

co-founder, Research

Highly experienced in blockchain and DLT technologies, context-aware pervasive computing, and cyber-security. 6 years with Dell Secureworks; author of 20+ peer-reviewed publications in Computer Science.

PhD, Computer Engineering, Edinburgh Napier

Kene Ezeji-Okoye

co-founder, Biz Dev & Ops

Operations and growth lead with experience scaling young start-ups and implementing creative strategies for global companies including Microsoft, Red Bull, and BMW.

MBA, Anglia Ruskin University
Exec. Ed. INSEAD

Dr. Kseniia Ilchenko

PM & Data Scientist

Full-stack data scientist with strong background in economic modelling, enterprise blockchain payment systems, ML and AI techniques for data analysis, forecasting and financial modelling. PSPO Certified.

PhD, Models and Information Technologies in Economics, NTU Ukraine

Emrah Mersinli

Payment Systems Architect

12 years of experience in banking and payment systems—7 in senior roles—leading teams to develop clearing, dispute and fraud modules for credit card networks, and working on core banking systems.

MSc, Computer Engineering, Bahcesehir University

David Elu

Head of Compliance / MLRO

Long history at the core of regulated financial entities including Clydesdale Bank and Ghana International Bank. Strong educational background in both Computer Science and Law.

MSc, Computer Science;
LLM, Tax Law, Queen Mary University

Bill Pike


Former COO, Corporate & Institutional Banking, of the UK's largest bank, Lloyds Banking Group. Highly experienced in delivering operational excellence, strategic direction and innovation. Bill is used to driving business lines with thousands of employees, and billions of dollars on the line.

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Want to help shape a new era of global finance that is more inclusive and efficient than ever before? Join the Millicent Network community
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