Mikhail Kedzel is a founder and full-stack engineering leader with eight years of experience building web and Web3 products across startups and enterprises from Hong Kong. He currently leads Yumi Finance, creating an on-chain BNPL ecosystem that removes legacy rails and builds on-chain credit profiles for uncollateralized lending. Mikhail’s hands-on background spans React, TypeScript, Node, Go, serverless AWS, Cosmos, and EVM/omnichain indexing—experience he applied to speed up trading bots and build indexers across chains like BNB, Solana, Base and Berachain. He has led blockchain R&D and DeFi integrations at consulting firm MiKi, shipping privacy-focused L1 work, EVM-on-TON bridging, and liquidity/staking primitives. Comfortable toggling between high-level product decisions and low-level performance tuning, he often replaces third‑party APIs with RPC-first architectures for 3x+ gains. His cross-domain fluency in payments, DeFi primitives, and infra-driven product thinking informs both his startup strategy and technical execution.
Contributions:8 PRs, 16 pushes, 8 branches in 2 months
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