SERGEI MOSKALENKO

Fintech & Digital-Asset Product Leader

Moscow, Russia Open to relocation ceo@codegrow.ru linkedin.com/in/sergei-m-977675264

Professional Profile

Fintech and digital-asset product leader with a decade spent onboarding stablecoin issuers, standardizing the contracts and integrations behind them, and building the on- and off-ramps that move value across currencies and borders. As payment networks now build this at scale, that is exactly the problem I most want to help solve.

I am a fintech and Web3 builder with 10+ years creating and launching payment products, optimizing existing ones, and untangling complex cross-border settlement cases at the intersection of regulators, banks, and digital assets. My work spans Asia, the Middle East, Latin America, the US, and the CIS. I have built payment infrastructure from the ground up — banking and crypto processing, gateways, and KYC/AML and sanctions-compliance frameworks — and delivered cross-border settlement using crypto as a bridge currency, including Ripple/XRPL-style architectures.

As founder and CEO of CodeGrow, I led a team of 65 and a partner network of domain experts, grew engineers into industry specialists, and authored the product framework we used to take new ideas to market. My combination of deep technical fluency and commercial instinct allows me to read a market, identify the value a product can deliver, and lead it from concept through cross-functional execution.

Core Expertise

Stablecoins  ·  Cross-Border Payments  ·  Blockchain & Digital Assets  ·  Payment Infrastructure  ·  On/Off-Ramp Integration  ·  KYC/AML  ·  OFAC & Sanctions Compliance  ·  Product Management  ·  Product Strategy  ·  Ripple/XRPL  ·  Cross-Functional Leadership  ·  Regulatory Compliance

Professional Expertise

CodeGrow — Blockchain & Fintech Product Development

Founder & CEO

Apr 2017 — May 2026
Global (remote delivery)

Role Description

Founder and CEO of a global software company specializing in blockchain and fintech product development, delivering to clients across the US, MENA, CIS, and ASEAN. My core expertise is payment solutions for cross-border settlement using digital currencies — crypto and stablecoins — and the design of real-world-asset (RWA) products for the oil & gas, agriculture, and real-estate development sectors.

Built and led a team of 65, complemented by a partner network of domain specialists. Grew engineers from junior level into strong industry experts and, for the product teams, authored a lightweight framework for conceiving and taking new products to market.

Portfolio spans processing solutions for iGaming, oil & gas, state-affiliated enterprises, and banks, alongside outsourced development for AI, fintech, and crypto products.

Blockchain & Digital-Asset Expertise

  • Deep knowledge of blockchain and digital assets, developed in close contact with the requirements of the SEC, the Bank of Russia, and the ECB, and with the EU's emerging MiCA framework.
  • Extensive hands-on experience designing technical solutions for cross-border settlement in crypto — including Ripple/XRPL-style architectures where a digital asset serves as the bridge currency between fiat corridors.

Product Leadership & Operating Model

  • On the engagements where I am most expert, I act as a strategic product partner — a blended product-leadership role spanning concept definition and validation, business-requirements gathering, and the formation and leadership of cross-functional product teams, at times extending to commercial, marketing, and fundraising ownership.
  • 26 years across my career and ventures — from software developer to technology-company CEO — a combination that lets me read a market, gauge the potential of launching a product into it, and pinpoint the specific value deliverable to a customer.
  • I also build financial payment infrastructure as an external expert-consultant on financial logistics and as a mediator on complex cases — work centered on risk identification, navigating sanctions regimes and global regulatory requirements, and structuring compliant approaches to international settlement. It is not my primary expertise, but it is where I most enjoy creating new value.

Selected Cases

  • KYC/AML framework — state-affiliated CIS mining enterprise: designed KYC/AML scenarios and a compliance framework for the client's B2B customer onboarding.
  • Neutral Crypto-Asset Status Registry (concept): identified a potential new market segment, ran deep research, authored a concept memo, and circulated it to major industry players including Ripple — an example of my idea-to-product framework in action.
  • FinDoctor AI (own product): a social-impact wellness platform helping people resolve personal debt, with stablecoin logic built in and tight integration with payment systems and the US IRS; at its core, a data collector positioned for the banking industry and global payment networks.
  • Cross-border payment platforms: a B2B SaaS for international crypto settlement reaching 90+ countries (with partnership build-out and regulator engagement); full payment infrastructure for a network of crypto exchanges in ASEAN; an EU CryptoATM product packaged as a franchise (not ECB-approved); and integrations of payment providers with card-processing vendors, BNPL, and daily-banking solutions.
  • RWA Turnkey (own service): end-to-end tokenization and rapid scaling of real-world assets — still resource-constrained for global reach, but consistently generating novel tokenized-asset products and use cases.

Additional Entrepreneurial Context

Beyond IT and payment solutions, my ventures have spanned cross-border trade importing cars, eCommerce in consumer appliances and IT, and a logistics company built to deliver medicines to cancer patients in regions where those medicines are unavailable.