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FinTech, Blockchain & AI Strategy
Building AI-powered regulated financial products, blockchain infrastructure, and digital banks from zero to market.
CPO / Head of Product and AI strategy advisor with 15 years across banking, fintech, digital assets, product delivery, and regulated innovation.
Sergey Skabelkin CPO / Head of Product
15 years Banking, fintech, digital assets, and AI
0 to market Digital banks and regulated products launched from scratch
50 people Cross-functional teams and stakeholder ecosystems
AI in production Agents, RAG, scoring, fraud detection, and LLMOps
Latest essays
Long-form thinking on AI strategy, digital banking, blockchain infrastructure, and regulated product delivery.
When Models Stop Thinking Left to Right
Text diffusion models may weaken one of AI safety's familiar assumptions: that reasoning can be monitored as a sequential chain of thought.
From Balls to Consciousness: Testing Natural Abstractions
Alignment theories need more than elegant mathematics; they need test cases that range from simple objects to concepts like monogamy and consciousness.
Safety, Agency, and the Difference Between Constraint and Choice
For agentic AI systems, there is a crucial difference between being unable to cause harm and consciously choosing not to.
Executive CV
I build digital banks, fintech product portfolios, AI-agent workflows, compliance automation, and blockchain infrastructure in regulated environments.
2013 FidoWallet
2019 O.Bank
2023 Xwork / NAPPA
Now AI + FinTech Strategy
Selected projects
2019 - 2023
O.Bank (Idea Bank)
Product Owner / Project ManagerBuilt a digital neobank from zero to 12 product lines with two-week zero-downtime releases.
- 45% organic month-over-month growth
- 60%+ retention
- 4 years without critical pentest incidents
2013 - 2015
FidoWallet
Project Manager, Mobile BankingRebuilt onboarding and key transaction flows for a mobile bank serving 500k customers.
- 500k customers
- +80% transaction volume
- +60% customer base
2023
Xwork
Product OwnerLaunched an NFT marketplace for digital creators with fiat entry points and smart-contract royalty distribution.
- 18% first-mint conversion
- 5x lower average gas cost
- +40% mint volume
2023 - 2024
NAPPA + Uzinfocom
Blockchain AdvisorAdvised on digital assets, national blockchain architecture, RWA tokenization, Token.uz, and VASP categorization.
- RWA regulatory framework
- VASP licensing rules
- +54 positions in Chainalysis index context
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