About MS Pay

Built by people who
have moved money
at scale.

MS Pay was founded by a team from the institutional trading floors of global equity, fixed income and interbank derivatives markets — to give businesses one account that bridges traditional rails and stablecoins, without the friction of either.

Our mission
Make cross-border money movement instant, transparent and borderless for every business.
Our edge
Deep roots in OTC trading, market-making and treasury — engineered into one platform.
Our coverage
Operated by regulated entities across Jersey, Canada, the UK and the EU, serving customers in 100+ countries.
Leadership

Meet our leadership team.

CD
Carlos Delgado
CEO & Co-Founder

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.

CK
Conor Keohane
Head of Sales & Co-Founder

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.

SS
Scott Sterling
Chief Commercial Officer & Co-Founder

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.

TG
Tom Gamby
Head of Trading Operations

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.

OH
Oliver Hopkins
Chief Technology Officer

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.

MS
Megan Summers
Director of Compliance

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.

JC
Justas Cibulskas
Money Laundering Reporting Officer

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.

EM
Emma Mosquera
Associate Director of Compliance (KYT)

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.

What we stand for

Principles that move with the money.

01

Speed without shortcuts

Instant settlement matters — but never at the expense of security or compliance. We build both in from day one.

02

Transparency by default

Mid-market FX, clear fees and full control of your funds. No hidden spreads, no surprises.

03

One platform, every rail

Traditional banking and stablecoins belong together. We route every payment across whatever gets it there fastest.

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