FinTech innovator and Web3 builder driving stablecoin adoption and cross-border payment solutions, with deep expertise in blockchain, digital assets, and compliance.
Master of Science: Financial Technology and Data Analytics
FYP: Payment Solutions with Stablecoins via API
The Chinese University of Hong Kong, Hong Kong
2007 – 2011
Double Degree: Bachelor of Business Administration and Bachelor of Engineering
BEng Information Engineering GPA 3.34/4.00
BBA Financial Engineering GPA 3.12/4.00
FYP: The Automatic Trading System with Neural Network
Honors & Recognitions
Shenzhen High-Caliber Talent
深圳市高層次人才
Guangzhou "Guangju Yingcai Program" Talent
廣州市《廣聚英才計劃》人才
Project Lead
Industry–University–Research Collaboration Program at the HKUST Foshan Research Institute
香港科技大學佛山研究院産學研合作專項項目帶頭人
On-Chain Data Analyst
BuidlerDAO
Working Experience
Head of Project – Payment Solutions with Stablecoins via API
2024 – Present
A next-generation cross-border stablecoin payment infrastructure under HKSTP & HKU incubation, uniting smart contracts, scalable APIs, & regulatory compliance to redefine how digital assets integrate with global finance.
Technical Development
Converted MSc research into a commercial fintech venture under Prof. SM Yiu, aligning with HKMA and CBDC policy direction
Designed smart contract architecture, developed scalable APIs, and integrated payment system back-end with SQL-driven monitoring tools
Compliance & Risk
Built AML/KYC, FX compliance, and risk management frameworks across Hong Kong, Mainland China, and Belt & Road regions
Conducted data analysis with SQL to assess transaction flows, compliance efficiency, and settlement risks
Partnerships & Representation
Partnered with banks, regulators, and payment companies to bridge stablecoins with traditional finance infrastructure
Represented project in HKSTP and MOFCOM forums, engaging stakeholders across academia, government, and industry
Positioned solution as a flagship cross-border stablecoin payment model, supporting programmable finance and CBDC pilots
Tokenization of the regulated real-world asset of Saudi Arabia's Salamah copper-gold mine—anchored by exploration licenses, geological validation, and compliance processes—into fractionalized digital instruments for institutional-grade investment and trading.
Structured the tokenization of regulated real-world assets (gold & copper mines in Saudi Arabia) into fractionalized digital securities.
Designed institutional-grade tokenomics anchored on geological validation, exploration licenses, and governance frameworks.
Drafted compliance structures bridging Middle East, Hong Kong, and offshore jurisdictions, ensuring tradability for institutional investors.
Liaised with law firms, auditors, and exchanges to prepare listing-ready documentation for RWA assets.
A Web3 global digital asset platform that enables seamless cross-border payments through stablecoins, virtual accounts, and card networks, bridging traditional finance with digital assets.
Compliance Strategy
Directed compliance strategy for MSO licensing in HK, foreign money service approvals, and KYC/AML execution.
Banking Partnerships
Built banking partnerships and negotiated integration with card networks, enabling conversion between digital assets and fiat.
Payment Corridors
Designed payment corridors across Asia-Pacific, Europe, and MENA, making transactions faster, cheaper, and compliant.
Regulatory Representation
Represented the project to regulators and financial institutions, positioning FusionPay as a Web3 bridge to TradFi.
A Web3 Layer 1 infrastructure designed to power on-chain applications with scalable payment rails, enabling secure, decentralized, and high-performance digital transactions.
01
Co-founded Web3 Layer 1
Co-founded a Web3 Layer 1 blockchain enabling decentralized gaming and payment ecosystems
02
Technical Leadership
Authored the whitepaper, designed tokenomics and validator incentives, and managed token issuance strategy
03
Financial Management
Raised USD 1M from investors, structured treasury governance, and implemented internal risk controls
04
Team Direction
Directed a global team of engineers, ensuring agile product development, cyber security audits, and protocol compliance
01
Ecosystem Development
Built liquidity pools and integrated asset custody solutions to support in-game token economy
02
Partnership Growth
Secured partnerships with Web3 studios, NFT marketplaces, and DeFi protocols, growing early adoption to 5,000+ users
03
Incubation Success
Admitted into Cyberport Incubation Program and represented the company at investor roadshows and industry panels
Director – One Step LLC | Web3 Advisory & Venture Studio
2020 – 2023
A global Web3 advisory and venture studio driving compliance, tokenomics, and digital asset strategy while incubating in-house startups from concept to market launch.
Advisory Services
Co-founded a Web3 advisory and venture-building firm specializing in compliance, tokenomics, DAO governance, and digital asset strategy
Advised startups on token offerings (ICO/STO), cross-border taxation, AML/KYC, and legal structuring across Hong Kong, Singapore, and the Middle East
Delivered compliance playbooks and risk frameworks for projects entering multiple regulatory jurisdictions
Investment Strategy
Executed proprietary crypto trading strategies, building institutional-grade portfolios in DeFi, derivatives, and early-stage token allocations
Venture Building
Led incubation of in-house ventures from 0→1, overseeing smart contract audits, tokenomics, exchange listings, and investor relations
In-house Ventures under One Step LLC
DTrip DAO | Decentralized Travel + Crypto Payment
Tokenization of real-world travel assets (rooms and tickets) into on-chain NFTs, enabling stablecoin-based payments and compliant decentralized booking through smart contracts
Built a Web3 OTA (Online Travel Agency) with tokenized hotel rooms and air tickets as NFTs
Designed stablecoin-based booking/payment infrastructure integrated with travel platforms
Co-founded with ex-VP of Alibaba Fliggy, ensuring industry partnerships and product-market fit
Developed DAO governance framework to manage disputes, settlements, and treasury
GameCraft3 | Web3 Game Engine (Cyberport Incubator, HK)
A Web3 gaming platform and no-code game creation system that transforms user-generated content into tradable digital assets through cross-game NFTs and native tokens
Created a no-code game engine enabling user-generated content to be transformed into NFTs & in-game assets
Secured USD 100K seed funding from investors and pitched to VCs for follow-on financing
Led product strategy, UX/UI design, and agile development with international engineering teams
Managed tokenomics, NFT marketplace development, and multi-chain interoperability strategy
WelfareDAO | Web3 Charity & Social Enterprise
A Web3 platform that leverages AI, blockchain, and CBDCs to deliver transparent, compliant cross-border payments and fund management for charities and social enterprises
Built a DAO combining AI, blockchain, and CBDCs to deliver transparent cross-border charity funding
Designed weighted-voting governance system for donors, NGOs, and social enterprises
Secured compliance under Hong Kong charity registration; collaborated with NGOs and welfare leaders for adoption
Delivered automated reporting dashboards for fund flows, impact tracking, and regulatory audits
CEO – SeniorDeli Group | HealthTech & AI
2017 – 2020
SeniorDeli is an AI-powered integrated rehabilitation solution for dysphagia, leveraging large language models, multimodal AI, and clinical research to deliver personalized assessment, intervention, and nutrition support for patients.
Founding & Funding
Founded and scaled an AI-powered HealthTech startup focused on dysphagia rehabilitation, integrating multimodal AI with clinical protocols
Raised over CNY 10M in funding, structured investor governance, and implemented transparent reporting mechanisms
Product Development
Expanded product portfolio across medical devices, soft food nutrition, and AI-driven rehabilitation platforms
Business Growth
Built and managed cross-border salesforce teams in Hong Kong and Mainland China, scaling revenues to CNY 20M annually
Secured hospital and elderly care center tenders, navigating public procurement and medical compliance frameworks
Data & Recognition
Applied SQL analysis for clinical trial data, product performance, and sales growth optimization
Incubated under HKU iDendron and HKSTP Futian Campus, collaborating with HKU Faculty of Medicine for product validation
Spoke at healthcare and innovation forums, building reputation as a pioneer in HealthTech innovation in Greater China
Co-Founder, The Automatic Trading System with Neural Network
2012 – 2013
Developed an AI-driven automatic trading system combining neural networks and hidden Markov models with probabilistic indicators to generate robust stock market predictions.
Project Conversion
Converted my CUHK Final Year Project into a real-world trading system, bridging academic research with practical fintech application
System Design
Designed and developed an AI-driven platform integrating Neural Networks and Hidden Markov Models for stock market prediction
Technical Implementation
Coded core algorithms, built probabilistic indicators, and developed data pipelines for real-time market analysis
Performance Testing
Conducted extensive backtesting and live trading simulations, consistently outperforming benchmark strategies
End Result
Applied advanced machine learning, quantitative finance, and algorithmic modeling to deliver an end-to-end automated trading solution
Social Service Experience
Director, Federation of Alumni Associations, The Chinese University of Hong Kong
香港中文大學校友會聯會 董事
Director, New Asia College Alumni Association, The Chinese University of Hong Kong
香港中文大學新亞書院校友會 董事
Chairman, Greater Bay Area Exchange Promotion Association
大灣區交流促進會 會長
Director, Full Linkage Community Care Association (S88 Charity)
愛聯社(註冊慈善機構) 董事
Director, Jing Guang Youth Centre, Happy Valley, Hong Kong
香港跑馬地景光青年中心 主任
Committee Member, Nanshan District Youth Federation, Shenzhen
深圳市南山區青年聯合會 委員
Director, Jin–Hong Kong Youth International Exchange Promotion Association
晋港青年國際交流促進會 會董
Member, Hong Kong United Youth Association
香港青年聯合會 會員
Member, Nansha Overseas Chinese Federation, Guangzhou
廣州市南沙區僑聯 會員
Member, Mensa
門薩 會員
Awards
Silver Award, National "Chuang Qingchun" Youth Innovation and Entrepreneurship Competition
Organized by the Central Committee of the Communist Youth League of China, Ministry of Human Resources and Social Security, and Ministry of Commerce.
共青團中央、人社部、商務部《全國賽"創青春"青年創新創業大賽》 銀獎
First Prize, Guangdong "Chuang Qingchun" Youth Innovation and Entrepreneurship Competition
Organized by the Guangdong Provincial Committee of the Communist Youth League.
廣東團省委《廣東(創青春)青年創新創業大賽》 一等獎
Third Prize, China Innovation and Entrepreneurship Competition (Guangdong Division)
Organized by the Guangdong Provincial Department of Science and Technology.
廣東省科技廳《中國創新創業大賽(廣東賽區)》 三等獎
Second Prize, Nanshan Entrepreneurship Star Contest
Organized by the Nanshan District Government of Shenzhen and the Shenzhen Science, Technology and Innovation Commission.
深圳南山政府、市科創委《創新南山創業之星大賽》 二等獎
Bronze Award, Qianhai Guangdong–Hong Kong–Macao–Taiwan Youth Innovation and Entrepreneurship Competition
Organized by the Qianhai Authority of Shenzhen.
深圳前海管理局《前海粵港澳臺青年創新創業大賽》 銅獎
First Prize, Guangzhou "Youth Entrepreneurship Cup"
Organized by the Guangzhou Municipal Committee of the Communist Youth League and the United Front Work Department of Guangzhou.
廣州團市委、市統戰部《廣州(青創杯)青年創賽》 一等獎
Third Prize, Qinglan International Innovation and Entrepreneurship Competition
Organized by the Panyu District Committee of Guangzhou, Ministry of Industry and Information Technology, and United Front Work Department.
廣州番禺區委、工信部、統戰部《青藍國際創新創業大賽》 三等獎
First Place, Guangzhou Tianyinghui International Innovation and Entrepreneurship Competition
Organized by the Tianhe District Government of Guangzhou.
廣州市天河區政府《廣州天英匯國際創新創業大賽》 第一名
Third Prize, HKUST One Million Dollar International Entrepreneurship Competition – Grand Final
Organized by The Hong Kong University of Science and Technology.
香港科技大學《港科大百萬挑戰賽總决賽》 三等獎
First Prize, Create the Future – International Maker Competition (Europe Division)
Organized by the Suzhou Municipal Government.
蘇州市政府《創贏未來 國際創客大賽 歐洲賽區》 一等獎
Third Prize, Hainan Free Trade Port Entrepreneurship Competition
Organized by the Hainan Provincial Department of Human Resources and Social Security and the Hainan Provincial Department of Education.
海南省人社廳、省教育廳《海南省自貿港創業大賽》 三等獎
First Prize, UK High-Caliber Talent Entrepreneurship Competition
Organized by the All-UK Chinese Students & Scholars Association and the Yangtze Delta Region Institute of Tsinghua University, Zhejiang.
全英學聯、浙江清華長三角研究院《全英高層次人才創業大賽》 一等獎
Third Prize, Tsinghua Alumni Sanchuang (Innovation, Creativity, Entrepreneurship) Competition – Grand Final
Organized by the Tsinghua Alumni Association.
清華校友總會《清華校友三創大賽總决賽》 三等獎
Champion, Hong Kong Social Enterprise Challenge
Organized by the Hong Kong SAR Government Home Affairs Bureau and The Chinese University of Hong Kong.
香港政府民政局和港中大《香港社會企業挑戰賽》 冠軍
Key Moments & Public Engagements
Highlighting significant milestones, public speaking engagements, and official interactions that underscore Raymond's leadership and influence in various sectors.
As the director of CUHK Alumni Association & New Asia College Alumni Association, I regularly engage in exchanges with Hong Kong Financial Secretary Paul Chan & other distinguished alumni.
作為香港中文大學校友會董事和新亞書院校友會董事 跟香港財政司司長陳茂波和其他傑出校友定期交流
As the representative of the Hong Kong Science and Technology Park, I welcomed the visiting delegation from the Foshan Chamber of Commerce.
作为香港科技园项目代表接到到訪的佛山商會代表團
@HKSTP
Arrange for Mainland Chinese officials to pay a visit to the Vice President of the Hong Kong Monetary Authority.
安排中國內地官員拜會香港金融管理局副總
Roundtable guest at a FinTech event.
FinTech活動園桌嘉賓
Interview with China Media Group (CMG) 中央廣播電視總台專訪
Keynote speaker at a Hong Kong Government seminar
香港政府研討會作為主講嘉賓
@Asia Society
Roundtable guest at the Web3 FinTech Forum
Web3金融科技論壇圓桌嘉賓
As a keynote speaker at a Hong Kong Trade Development Council event, I was interviewed.