Our Mission

Emerging economies suffer from unequal participation and inclusion in the global financial and digital economies. A lack of core infrastructure and basic access alongside local instability poses a barrier to empowering billions of human beings from basic financial transactions. The confluence of decentralized blockchain and cheap mobile devices, presents an opportunity to provide essential access to financial services and stable currencies to the 1.7 billion unbanked globally.

The mission of CiNKO is to provide banking and digital payment services to the unbanked and underbanked and remove the preliminary barriers for anyone who wants to participate in the digital economy.

Emerging economies suffer from unequal participation and inclusion in the global financial and digital economies. A lack of core infrastructure and basic access alongside local instability poses a barrier to empowering billions of human beings from basic financial transactions. ‍

The confluence of decentralized blockchain and cheap mobile devices, presents an opportunity to provide essential access to financial services and stable currencies to the 1.7 billion unbanked globally

The mission of CiNKO is to provide banking and digital payment services to the unbanked and underbanked and remove the preliminary barriers for anyone who wants to participate in the digital economy.

Our Vision

Stablecoins present an opportunity to disrupt the traditional finance system. Programmable money presents a new paradigm of blockchain financial primitives, where one can hold dollar backed stablecoins that earn yield in decentralized protocols and traditional markets along with near-instant global settlement capabilities. Our vision is to create a product that exists alongside traditional and new financial systems that taps into the yield, global remittance, and financial instruments present in the blockchain ecosystem.

Our Values

Access to the digital economy and the internet is a fundamental human right. Economic empowerment and inclusion is a positive-sum game. The more value we share with our users, the more value we will ultimately create. We are shepherds in a complex world, and we will do everything we can to protect our users from risk without taking away their personal freedoms.

Our
Team

Our team comprises of strategic leaders distinguished by a diverse range of skills and expertise, collectively driving our organization forward.

Richard Douglas

Co-founder, CEO

Richard is the driving force in building Island Pay, the first licensed Payment Service Provider and Electronic Money Institution in LAC. He has yielded several successful exits.

Geoff Smith

Co-founder, VP of IT

Geoff has dedicated 15+ years in various roles in the information technology space focusing on FinTech and payments in North America, UK, and Europe.

Santiago Lebled

Head of Finance

Santiago is a seasoned Finance leader with over 25 years of experience in the banking sector and top-tier Big Four firms. Over the past five years, he has specialized in the Fintech industry, successfully managing financial operations and driving strategic growth.

Abel Silva

VP of Engineering

Abel is a FinTech specialist with 10+ years of experience across banking, cards, digital wallets, and crypto, with a focus on building and scaling financial platforms.