About us

Built by people who have moved money at scale.

MS Pay was founded by traders, engineers and compliance professionals who spent their careers inside banks, brokerages and payment institutions — and knew cross-border money could work better.

Our mission

To give global businesses one account that settles over every rail — traditional and on-chain — without the friction of stitching providers together.

Our edge

We operate the regulated entities ourselves, so pricing, routing and compliance are ours to control rather than inherited from an intermediary.

Our coverage

100+ countries, 40+ fiat currencies and major stablecoins, with same-day settlement on the majors and seconds on-chain.

Leadership

Meet our leadership team.

Carlos Delgado
CEO & Co-Founder
in

Two decades on London interbank trading floors dealing vanilla/exotic options, futures and volatility. Carlos built and ran interdealer desks providing price discovery and liquidity across rates, fixed income and equity derivatives — the connective layer between banks, hedge funds and asset managers.

Conor Keohane
Head of Sales & Co-Founder
in

Global Head of OTC at Eqonex Group and OTC sales-trading lead at Bitpanda. Conor has spent his career on digital-asset and fiat OTC desks, pricing the large tickets and holding the client relationships behind them — the block trades that never touch a screen.

Scott Sterling
Chief Commercial Officer & Co-Founder
in

Fixed income trader at StoneX and other European firms before MS Pay. Scott traded credit and ran institutional sales — pricing flow, executing size, carrying the book. He runs the commercial side of the platform today.

Tom Gamby
Head of Trading Operations
in

Credit flow trader at UBS, where he ran a book in hybrid securities and AT1 instruments. Tom now runs the MS Pay OTC desk, pricing on/off-ramp flow across digital assets and fiat. Structured credit by background, execution by trade.

Oliver Hopkins
Chief Technology Officer
in

Market-making and algorithmic-trading systems by background, first-class Engineering Physics by training. Oliver builds the rails — the pricing, routing and settlement infrastructure underneath the platform. He's shipped trading products and written the software they run on.

Megan Summers
Director of Compliance
in

With MS Pay since inception. Megan owns the regulatory framework across every jurisdiction the firm operates in — Jersey, Canada, the UK and the EU — keeping the licences current and the operation clean.

Justas Cibulskas
Money Laundering Reporting Officer
in

AML and financial-crime specialist: risk assessment, due diligence, investigations. Justas writes the firm's AML framework and works directly with regulators. Before finance, he was a serious-crime investigator with the Lithuanian police.

Emma Mosquera
Associate Director of Compliance (KYT)
in

Transaction monitoring and on-chain analytics. Emma runs KYT — tracing funds across digital-asset and fiat systems to catch laundering and fraud before it settles. Chainalysis-certified; MSc in FinTech and Financial Markets.

Values

Principles that move with the money.

01

Regulated by design

We hold our own licences and permissions in every market we serve, rather than relying on someone else's.

02

Built for operators

Treasury teams need predictable settlement and clear pricing. Every product decision starts there.

03

One platform, every rail

Banking rails and stablecoins in a single account, so you never choose between reach and speed.

Want to build the future of cross-border money with us?