Tom Wang, payments engineer and creative developer

Chapter I · Payments engineer

I movemoney.

Payment infrastructure, stablecoin rails and Open Banking, built in Rust and Go and running in production.

View experience ↓

London · 51.5072° N · --:--

Chapter II · Creative developer

See you in the playground ✦See you in the playground ✦See you in the playground ✦
See you in the playground ✦See you in the playground ✦See you in the playground ✦
See you in the playground ✦See you in the playground ✦See you in the playground ✦
See you in the playground ✦See you in the playground ✦See you in the playground ✦
Chapter I
Prologue

"I build the rails that money travels on: Open Banking, stablecoins, settlement. And the screens people see while it moves."

Settling from London → —35+ countries · 100+ banks · live

Founder of Applr and member of technical staff at Zuba. Before that, founding engineer at Radom, where I owned payment infrastructure end to end. MSc from Glasgow.

More about me
Chapter II
Experience

Fourjobs,mostlyabout money.

Scroll. Each card slides over the last.

01 / 04Apr 2026 – present · London

Member of Technical Staff

Zuba

Cross-border payments for emerging markets in Africa and Asia.

  • Cross-border payments
  • Emerging markets
  • Fintech
02 / 04Apr 2026 – present · London

Founder

Applr

An AI job application platform. Angel funded, with 3% of users paying after launch.

  • AI
  • Product
  • Growth
  • Full-stack
03 / 04Aug 2024 – Apr 2026 · London

Founding Engineer

Radom

I owned the payment integrations in a nine-person team: Open Banking across 35+ countries and 100+ banks, with the checkout API, FX and settlement flow that brought in about $300K a month in net revenue. I built the event-driven pipelines (webhook ingestion, idempotency, retries), fiat payouts to EUR and GBP IBANs, and the KYC/KYB and Travel Rule checks that cut manual review by about 80%. I also rebuilt the AWS and Kubernetes test environment.

  • Rust
  • Go
  • PostgreSQL
  • Redis
  • Open Banking
  • K8s
  • AWS
04 / 04Mar – Aug 2023 · Tianjin

Frontend Developer Intern

China Mobile

Internal dashboards on top of REST APIs and backend aggregation, plus SQL over large telecom datasets for operations reporting.

  • Vue.js
  • JavaScript
  • SQL
Chapter III
Selected work

Work

07 projects. Click a row.

Payment infrastructure with three provider integrations (Open Banking, KYC, FX), event-driven settlement pipelines, webhook ingestion with idempotency, and fiat payouts to 35+ countries.

  • Rust
  • PostgreSQL
  • Redis
  • K8s
  • AWS
Visit
Chapter IV
In numbers

0+

countries reached by payouts over Open Banking rails

0+

banks connected across Europe

$0K

a month in net revenue from the settlement flow

0K+

stars on the open-source project I fixed a bug in

London, lit. That is where the rails start.

Chapter V
Skills

The stack.

The layers a payment crosses, and what I reach for at each one. Hover a layer to light it up.

  • 01Client

    Next.js · React · TypeScript · Vue

  • 02Services

    Rust · Axum · Go · Gin · NestJS · Node.js · Python

  • 03Events

    Redis · Webhooks · Async queues · Idempotency

  • 04Ledger

    PostgreSQL · SQL · Reconciliation · Validation

  • 05Rails

    Open Banking · SEPA · Faster Payments · FX settlement · KYC / AML · Stablecoins

  • 06Infra

    AWS · Docker · Kubernetes · CI/CD · Monitoring

Requests enter at the client and leave on the rails. Every packet is a payment.

Chapter VI
The record

Education

  • 2023 — 2024

    MSc Computing Science

    University of Glasgow · Merit

  • 2019 — 2023

    BBA Information Systems & Management

    Tianjin University of Technology · 89.5/100

Awards

  • 2021

    LanQiao Cup — 1st place Tianjin, national excellence

    12th National Algorithm Design Competition

  • 2020

    LanQiao Cup — 2nd place Tianjin region

    11th National Algorithm Design Competition

  • 2023

    Software copyright — pet hospital system

    Computer Software Copyright Certificate

Activities

  • Mar 2026

    OpenClaw Hackathon

    IC

  • Feb 2025

    SiGMA Eurasia

    Dubai

  • Feb 2025

    Affiliate World

    Dubai

  • Oct 2024

    Encode London Hackathon — 24h market-making tool

  • 2025

    Hoppscotch open source — production fix merged upstream

Chapter VII
Epilogue

Gotrailsto build?