defiant for good

Building the financial inclusion of tomorrow through decentralization

Building the financial inclusion oftomorrow through decentralization

WHO

We are building a network of regulators, financial institutions and DeFi solutions(Fintech startups).

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WHY

We work to remove barriers to financial services, fostering economic growth and wealth for everyone.

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WHAT

We spearhead the development and orchestration of a DeFi ecosystem that leverage Web3 and AI solutions.

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Defy is a RealFiArrowRealFi is a new kind of financial system that combines the best of traditional banking with cutting-edge Web3 technology. ecosystem built to enhance financial inclusion for those oftenoverlookedArrowMarginalized groups, remote populations, small businesses, and atypical profiles across developed and developing economies.

what millions are facing

Financial inclusion gaps happen due to

Limited access to banking services
High transaction costs
Slow and inefficient payment systems
Weak regulatory frameworks
Currency volatility and exchange rate risks
Limited infrastructure for financial services
Dependency on correspondent banking relationships
Imposition of structural adjustment over AML/CFT policies

a modern solution to a legacy problem

We implement responsible financial practices to enhance user protection, building a decentralized financial ecosystem that safeguards and empowers our users.

OUR SOLUTION, DECENTRALIZED CROSS BORDER PAYMENT, Secure efficient and de-risked cross border transactions
MICRO DEFI SOLUTIONS, Empowering individuals and small businesses to access affordable financial services, OUR SOLUTION
DECENTRALIZED KYC, Streamline financial identity verification and transaction monitoring for the underserved communities, OUR SOLUTION

DEFYING NORMS

Defy's decentralized financial ecosystem ensures

Reduced fraud and scams

with AI companionship enabling informed decisions.

1.

Fair treatment

supported by psychological and behavioral analytics.

2.

Transparent financial products

safeguarding against predatory practices.

3.

Educational programs

at the product onboarding stage to bolster digital financial literacy.

4.

Data and asset ownership

empowering individuals to independently manage their finances.

5.
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WHO WE HELP

digital creators

decentralized organisation workers

low income communities

micro entrepreneurs

Together we form a unique decentralized governance

Regulators

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To shape a secure and responsible financial future through a collaborative international framework respecting the countries' sovereignty.

Decentralized autonomous communities (DACs)

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To ensure the day-to-day operations, training program and audit.

Institutional Partners

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To bring local expertise and resources to empower financial development of local communities.

DEFY

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To oversee the technical development of the ecosystem and product engineering.

The team

team
team

Sebastien Picard

CEO

  • Founded, co-founded and advised startups in France, China, The Bahamas, and Cayman Island in various sectors: Tech, Education, Fashion, Digital news and Cognitive and behavioral R&D.
  • Worked as strategic builder for corporates' venturing arm in banking and vaccines industries.
  • PhD in strategic management from one of the top three French business schools.
team

eelee lua

Chief of Staff

  • Risk management and FinTech expert, SID Accredited Board Director
  • Extensive start up experience working alongside founders to develop, communicate and execute strategic plans to achieve business objectives
  • An advocate for diversity and inclusion, involved in SFA Women in FinTech, WIA Chapter Lead
team

hong jing

Chief Technology Officer

  • A decade of experience as a machine learning engineer specializing in natural language processing, recommendation systems, and signal processing.
  • Holds a PhD in Machine Learning & Neuroscience from Nanyang Technological University.
  • Founder of several blockchain projects in Bitcoin and Cardano, also pioneered the development of a comprehensive software development kit specifically for building dApps.
team

Julia Chin

Chief Regulatory Affairs Officer

  • Over 25 years of experience in compliance and financial crime prevention, including roles at HSBC and Standard Chartered.
  • Correspondent in Banking, Securities Services, Fintech.