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ETHConf: decentralized KYC and stablecoins for cross-border trade.

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At ETHConf in Manhattan, June 2026, Michelangelo and Nina Pan talk about their work. He answers first: “We do decentralized KYC. So a privacy-first KYC solution for governments, banks, and now Web3 companies.” Nina Pan answers next: “My background is about cross-border business, and there’s more cross-border enterprises who use stablecoins to solve their international payment problems.” Asked what crypto is, she goes first: “I can have the international transfer in real time, and then that’s decentralized.” He adds: “crypto was an ecosystem first made by people. And technology,” and on what outsiders miss: “In my opinion, the crypto ecosystem are people first,” because “the entire crypto space was built through communities.” Her read on the holdup for traditional business: “this is the next generation of payment infrastructure,” and the problem is not the technology: “many traditional Enterprise, they don’t know there’s a way to help them to solve their international payment efficiently and safely.” Her message for builders: “I want to translate more crypto language to popular language and let more people know about cryptography and stablecoins.” A note on the facts: US payment stablecoins got their own federal law, the GENIUS Act, signed 18 July 2025.

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0:00ASo how are you two doing today?

0:02BReally good.

0:03CGreat.

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0:04BAll right.

0:04AWhat are your names?

0:05BMichelangelo.

0:06CI’m Nina.

0:07AOkay. What do you two work on?

0:09BWe do decentralized KYC. So a privacy-first KYC solution for governments, banks, and now Web3 companies.

0:15AOkay. And yourself?

0:16CMy background is about cross-border business, and there’s more cross-border enterprises who use stablecoins to solve their international payment problems.

0:24AOkay. And how has the conference been for you two?

0:28BSuper good. Good. We met incredible people, good speakers. So it was positive for you.

0:35CFor me, I think I met so many people in the event and the side events. So it’s also a happy journey if I’m in New York. I’m sorry because I’m bilingual.

0:50ANo, you’re killing it. You’re killing it. And so people outside crypto want to know what is this stuff? And so what do you two have to say?

0:58CCrypto. I think this Decentralized. Like, for me, I can have the international transfer in real time, and then that’s decentralized. And also, I think it’s very interesting for me to learn.

1:23BWhat about you?

1:25CYeah.

1:27AAnything you would add? Like, what is crypto?

1:29BSo for me, crypto was an ecosystem first made by people. And technology. And now we can see that the entire technology is going mainstream thanks to the stablecoins that are taking place. There are many institutions that are building their own stablecoin.

1:48AYeah.

1:49BBut the rest of that is relying on the entire ecosystem that crypto companies built in what they -- for the last 10 years.

1:56AOkay, very cool. And I’m curious, what would you say to someone outside the ecosystem? What do you feel like those people don’t get about crypto that you feel like they ought to get?

2:07BIt’s, in my opinion, it’s -- ah, no, you’re good.

2:11CI think you can go first. Let me think about it.

2:14BIn my opinion, the crypto ecosystem are people first.

2:20AYeah.

2:20BSo that is something that is completely different from traditional finance because the community, the entire crypto space was built through communities. That is not like a decentralized approach like DAOs that are not working. But in any case, the feedback with the community is very important. to the end users.

2:41AOkay, awesome. Anything you want to add?

2:44CFor my opinion, this is the next generation of payment infrastructure. So I think the thing I know, like some traditional cross-border enterprise, why they don’t use stablecoin or blockchain or crypto to solve their international problem is not because the blockchain is not good enough, because now, like many traditional Enterprise, they don’t know there’s a way to help them to solve their international payment efficiently and safely.

3:21AOkay, awesome. And do you two have a message for the builders in the ecosystem?

3:24BIf you need the KYC and KYB in a decentralized way, Zyph.com. Okay, sick.

3:30AAny message for you to the builders in the ecosystem?

3:32CLike, I want to translate more crypto language to popular language and let more people know about cryptography and stablecoins.

3:43AOkay, you want to shout out any socials or anything like that? Social media where people can find you or we can tag you?

3:49CI have my social media on Red Note. That’s a Chinese app. And also, I want to like build a new account on YouTube or TikTok.

4:01AOkay. And for now, just what’s your name?

4:03CI’m Nina Pan.

4:04BOkay, excellent.

4:05AAnd for you, any socials where we can find you?

4:07BYou can get just at zyph.com.

4:09AOkay. Do you have an X account? Like, what’s your X?

4:11BGo for Zyph Official. Okay, spell it. Z-Y-P-H. Okay, hell yeah.

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