TomWang.

Who is Tom Wang?

Tom Wang is an AI and fintech developer in London. He founded Applr, an AI job application platform, and is a member of technical staff at Zuba, which builds cross-border payments for emerging markets in Africa and Asia. He works mostly in Rust, Go and TypeScript, on AI agents, Open Banking, crypto payments and the rest of fintech engineering.

What does Tom build?

• Crypto payment infrastructure that settles on several blockchains and in stablecoins.
• Open Banking integrations across 35+ countries and 100+ banks: checkout flows, payment initiation and account verification.
• Cross-border payout systems with EUR and GBP IBAN settlement, live FX conversion and several currencies.
• Event-driven payment pipelines in Rust, with idempotency controls, webhook processing and exactly-once delivery.
• AI agents for payment operations: monitoring, reconciliation and compliance screening.

What is he good at?

He knows payments as a domain and systems programming as a craft. As a founding engineer he has taken a payment platform from nothing to production: the architecture, the infrastructure, the compliance integrations and a small team. The work he does best sits where the traditional rails (Open Banking, SEPA, Faster Payments) meet crypto settlement (stablecoins, blockchain integration).

Technical skills

Education

MSc Computing Science, University of Glasgow, United Kingdom.