The Financial OS for Global Founders

From consumers to founders

Christian Li says Infini started from the APAC community, especially Hong Kong and Singapore. He says building for consumers and for businesses is a "total different experience", from onboarding to user acquisition to the product itself.

"We believe that in the future, actually, there's no like exact boundary, you know, between the the personal life and their business life," he says. Infini planned to launch its mobile app the following week. Using Airwallex as a reference point, he says the target user is the prosumer and that the company could serve customers globally if its product is good enough.

Corridors in Asia

Christian Li says the major FX flow in Asia is still between the US dollar and hkd, as people collect funds in dollars and need them in Hong Kong dollar bank accounts. He notes Hong Kong issued its first legal Hong Kong dollar stablecoin this year, while saying there is still a long way to build.

He also reports fast-growing demand from Africa, where people convert local currency to stablecoins and send it back, and more interest from Korean consumers and businesses in crypto solutions since this year.

Compliance over technology

For Christian Li, a sustainable fintech depends on compliance and reliable relationships with banks. He says the boundary between Web2 fintech and crypto is disappearing. He calls crypto neobanks "very boring right now" because infrastructure providers make it easy to start one and everyone is doing the same thing.

Agents that act

Christian Li expects agents in finance to change, arguing that data and privacy matter on the financial side even though large model providers build good products. He says agents should execute work for users, especially around payments and transfers, not just advise.