The Future of Web 3.0 Financial Services
MENA’s No.1 Regulated Financial Services and Virtual Asset Platform
Klickl 4U is a secure, customizable and crypto friendly financial services platform built for everyone.
Company
Klickl is the leading Web3 open finance platform in the Middle East, delivering robust infrastructure solutions for the evolving digital asset ecosystem. Headquartered in Abu Dhabi and supported by the UAE government and regulators, Klickl operates in full compliance with virtual asset financial regulations through its global regulatory license scheme. Additionally, it has secured central bank approval for customer fund account qualifications, reinforcing its commitment to regulatory excellence and financial integrity.


Klickl is the world's first institution to introduce a "customer-centric, destination agnostic" risk module model, fundamentally addressing the unbanked challenge faced across the entire crypto industry. Through its own crypto infrastructure, global settlement systems, and a network of traditional banking partners, it offers ecosystem participants a one-stop account, custody wallets, payments, settlements, on/off ramps, and trading services in a distributed regulatory compliance environment. This facilitates the entry of future 1 billion traffic into Web3.


The Klickl board of directors consists of entrepreneurs, investors, financial experts, and technical giants, with a combined experience of over 100 years, each having established a strong track record throughout their careers. The team is dedicated to building a world-leading crypto ecosystem that caters comprehensively to the crypto needs of both global individual users and corporate clients。


Klickl's vision is to seamlessly link the digital economy and traditional finance by establishing a global stablecoin ecosystem within a compliant framework to convey the value of future finance.
TeamLeading Crypto Native Management Team
Niko KouHead, Partnership

Extensive experience in fintech and blockchain, with a focus on building and managing global partnerships. Skilled in fostering strategic collaborations, creating mutually beneficial ecosystems, and driving business growth through effective partnership management.

Proven ability to establish and maintain strong relationships across diverse markets, facilitating resource integration and value creation. Expertise in navigating complex environments to align partners’ goals with business objectives, delivering long-term results.

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Michael ZhaoFounder/CEO/Board Member

Serial FinTech & Crypto Entrepreneur – Founder :VGPay Crypto 1 Acquisition Corp, the first digital asset focused SPAC (Nasdaq listed ,DAOO)

Former regulator at the central bank of China and Co-Chairman of Hong Kong Blockchain Association. Collaborating directly with states and national governments on blockchain initiatives.

Derivatives trading and risk management roles in UBS Investment Bank (USA / Singapore), China Merchants Bank (China), State Administration of Foreign Exchange (China), and Intesa Sanpaolo (Hong Kong).

Global experience running flow trading business and managing portfolio risk across multi-asset classes in emerging markets. Chief Dealer for multiple global coordinated central bank market interventions during the 2008 credit crunch.

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KevinCTO

More than 20 years of software architecture research and development and team management experience in the Internet finance industry, focusing on in-depth research in finance, blockchain, big data, Internet of Things and other technical fields, once led a number of medium and large Internet finance projects. conducted research on blockchain virtual currency exchange, and successfully launched more than ten blockchain related applications and allied exchange products.

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Ben HuangPresident (International Business)

A serial entrepreneur who has served as top executives or as an entrepreneur in various industries for more than 20 years, involving industries including education, closed-door equity companies, blockchain technology companies and the NFT Web3 space.

In a constant evolution, being a technology evangelist, he has taken the knowledge acquired thru years of both his corporate and entrepreneur history and applied them into building long term, sustainable business ecosystems in the new tech space such as blockchain and Web 3.

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Wael MuhaisenDirector of Operations: MENA Region

Wael has over 20 years of experience in financial markets in UAE and International markets, handled managerial positions in several financial institutions such as ENBD, Al Ansari Brokerage, Global for shares and bonds.

He got very familiar and experienced in Brokerage trading and Risk management . He has a BA degree in Banking and Finance from Amman University.

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George VargheseDirector of Partnerships

Over 15+ years of enterprise grade software technology consulting background covering areas of governance ,risk, compliance ,internal audits ,blockchain analytics and know your business/ transaction solutions in the web2 and web3 space.

George has also been leading various partner ecosystem development roles while he was serving various MNCs while in Singapore , Australia ,Middle East and through his solution consulting skills been provisioning technology platforms to bring in operational efficiency and effectiveness for large financial institutions ,governments and regulators in Asia.

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VivianCOO

More than 10 years of management experience in well-known enterprises, served as the department head of listed real estate company, the assistant general manager and human resources director of Internet fintech company.

Experienced COO focusing on human resources management, corporate operations, corporate strategic planning.

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Tunde OlayinkaChief Compliance Officer

Tunde Olayinka is a serial Global Chief Compliance Officer and MLRO with several decades of experience in core banking, regulatory compliance and financial crime control, payments services and compliance consulting across various financial institution groups ranging from Authorised Payment Institutions, E Money Institutions and Challenger Banks in UK, Europe, Asia and African markets. A law expert with various law degrees as well as a Professional Postgraduate Diploma in Financial Crime Compliance from the International Compliance Association (ICA). A Fellow of the ICA.

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Andrew AuChief Commercial Officer

Andrew is a successful serial Global Fintech , Crypto & Sustainable Finance Entreprenuer & investor having co-founded and run leading FinTechs , Global Bank Consortium platforms and been an early investor in Crypto/market infrastructure unicorns and Sustainable Finance/Carbon Credits platforms. He is passionate about being a key contributor in the new wave of Web3 Financial services and Transition Finance/Net Zero initatives.

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Shawn ChiaHead of Web3 Financial Services

As Head of Web3 Financial Services at Klickl, Shawn is leading the charge in revolutionizing digital finance by bridging traditional banking with the decentralized economy. With extensive experience in cross-border payments, blockchain innovations, and digital asset solutions, he plays a pivotal role in shaping Klickl’s Web3 banking infrastructure.

Shawn has a proven track record of launching first-to-market fintech solutions across APAC, building high-value partnerships with financial institutions, payment providers, and enterprise clients. His expertise spans crypto payments, DeFi solutions, tokenized assets, and regulatory compliance, making him a key architect in Klickl’s mission to redefine global financial services.

At Klickl, Shawn is dedicated to expanding Web3 adoption, enhancing blockchain-based payment infrastructure, and driving seamless financial transactions across borders. His strategic vision and deep industry knowledge position him as a leader in the evolution of decentralized finance.

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Ivy BaiChief Marketing & Operations Officer (CMO & COO)

Before joining Klickl, Ivy worked at the Financial Research Institute of the Development Research Center of the State Council and Tonghuashun (East Money), a leading publicly listed fintech company. She specialized in financial research, investment strategy, and blockchain consulting, while also developing extensive expertise in investment strategies, ecosystem expansion, and growth operations. In addition, she has years of entrepreneurial experience in fintech startups, giving her deep insights into industry trends and market dynamics. Her market expansion efforts span Hong Kong, the US, Australia, Europe, and Southeast Asia, contributing to Klickl’s growth as a leading global fintech player.

Ivy possesses strong practical experience in Trafi, Web3 ecosystems, cross-border payments, and decentralized finance (DeFi). She excels in global market strategy, ecosystem partnerships, and digital transformation, successfully leading multiple international Web3 projects to accelerate Klickl’s growth and ecosystem development in the global fintech industry.

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Niko KouHead, Partnership

Extensive experience in fintech and blockchain, with a focus on building and managing global partnerships. Skilled in fostering strategic collaborations, creating mutually beneficial ecosystems, and driving business growth through effective partnership management.

Proven ability to establish and maintain strong relationships across diverse markets, facilitating resource integration and value creation. Expertise in navigating complex environments to align partners’ goals with business objectives, delivering long-term results.

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Michael ZhaoFounder/CEO/Board Member

Serial FinTech & Crypto Entrepreneur – Founder :VGPay Crypto 1 Acquisition Corp, the first digital asset focused SPAC (Nasdaq listed ,DAOO)

Former regulator at the central bank of China and Co-Chairman of Hong Kong Blockchain Association. Collaborating directly with states and national governments on blockchain initiatives.

Derivatives trading and risk management roles in UBS Investment Bank (USA / Singapore), China Merchants Bank (China), State Administration of Foreign Exchange (China), and Intesa Sanpaolo (Hong Kong).

Global experience running flow trading business and managing portfolio risk across multi-asset classes in emerging markets. Chief Dealer for multiple global coordinated central bank market interventions during the 2008 credit crunch.

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Michael ZhaoFounder/CEO/Board Member
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KevinCTO
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Ben HuangPresident (International Business)
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Wael MuhaisenDirector of Operations: MENA Region
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George VargheseDirector of Partnerships
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VivianCOO
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Tunde OlayinkaChief Compliance Officer
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Andrew AuChief Commercial Officer
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Shawn ChiaHead of Web3 Financial Services
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Ivy BaiChief Marketing & Operations Officer (CMO & COO)
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Niko KouHead, Partnership