The people who

make the moats real.

Strategy is only as credible as the people executing it. AbsolutePay's leadership team combines two Forbes 40 Under 40 Tech founders, sovereign-level government partnerships, Magic Circle legal credentials, and $120M+ in proven monthly transaction volume.
Forbes 40 Under 40

Mervin Zhang

CEO
"Serial exits. Institutional capital. Crypto-native product."
Mervin Zhang is a serial entrepreneur who transitioned from investment banking into building technology platforms at global scale. He founded Bountie, a pioneering esports tournament platform that grew to over 250,000 users. He launched a quantitative trading firm managing $35 million in assets using proprietary algorithms, and built M4YA, a luxury boutique hotel chain in Bali. He co-founded Divi Supreme, a web design plugin powering over 400,000 sites globally, and created 536, a DeFi lottery platform. Named Forbes 40 Under 40 Tech, Mervin brings a rare combination of exit experience, institutional finance, and deep crypto-native product leadership.
250K+
Users on Bountie esports platform
$35M
Assets managed via quant trading firm
400K+
Live sites powered by Divi Supreme
Forbes
40 Under 40 Tech recognition
INVESTOR NOTE
A rare founder with exits, institutional finance, and deep crypto-native product history — three capabilities most CEOs spend a career assembling. His pattern: identify underserved digital markets, build infrastructure-level solutions, scale.
Forbes 40 Under 40

Jonathan Low

COO
"The proven infrastructure AbsolutePay launches on."
Jonathan Low is the founder and CEO of Biptap — the world's first Omni Bank and the proven infrastructure layer AbsolutePay is built on. Described as the 'Airbnb of Banking,' Biptap is an eight-figure fintech with 400,000+ users operating across three continents, natively integrated into LINE and KakaoTalk via Kaia Chain and reaching 250 million users across Asia's largest messaging ecosystems.

Jonathan closes at the sovereign level. He personally signed a presidential agreement with H.E. President Faustin-Archange Touadéra to deploy banking infrastructure to 5.5 million citizens in the Central African Republic, and co-led the Biptap–Al Fardan Ventures joint venture to establish a next-generation digital bank headquartered in Abu Dhabi. In the last four years, he has secured partnerships with two of the largest players in their respective industries — a track record he now brings to AbsolutePay.

Named Forbes 40 Under 40 Tech. Featured in Dubai Magazine and UAE Stories.
$120M+
Monthly transaction volume on Biptap
250M+
Potential users via Kaia Chain / LINE / KakaoTalk
5.5M
Citizens in CAR presidential banking deal
Abu Dhabi
Al Fardan Ventures global digital bank launch
INVESTOR NOTE
AbsolutePay launches on Jonathan's proven $120M/month infrastructure. That eliminates years of platform risk from the investment thesis. He has also demonstrated the ability to close sovereign-level partnerships — a capability that directly accelerates AbsolutePay's Africa and GCC expansion.
UAE Govt Partner

Dr. Samir Mohamed

CCO
"The key to every door in the GCC that matters."
Dr. Samir Mohamed Yusuf is the Founder and Chairman of Air Chateau International, the UAE's leading private heliport operator. In 2021, he co-delivered the inauguration of Dubai Helipark — a 42,800 sqm helicopter centre at Dubai South — in partnership with the Mohammed Bin Rashid Aerospace Hub, in the presence of H.H. Sheikh Ahmed bin Saeed Al Maktoum, Chairman of Emirates Airline Group. Air Chateau holds GCAA certification for helicopter operations and is currently executing a Dhs100M ($27.2M) infrastructure investment program across the UAE, including a 30-helipad network, an eVTOL deal with Spain's Crisalion Mobility (10 aircraft pre-ordered at Farnborough Airshow), and a 20-year government concession to deploy 100 hybrid vertiports across the Maldives. He brings GCC government relationships and regulated-environment deal-making capabilities that are foundational to AbsolutePay's licensing and commercial expansion.
42,800
Monthly transaction volume on Biptap
Dhs100M
$27.2M eVTOL & infrastructure investment program
100
Vertiports across the Maldives (20-year concession)
GCAA
UAE General Civil Aviation Authority certified
INVESTOR NOTE
In GCC fintech, government relationships are not a nice-to-have — they are the licence to operate. Dr. Samir has delivered sovereign partnerships at the highest level of the UAE government. That access is a direct competitive moat for AbsolutePay's GCC commercial strategy.
LASCO 2012 — Chief Justice SG

Manoj Nandwani

Compliance
"The legal architecture no competitor can replicate quickly."
Manoj Nandwani is Director at Gabriel Law Corporation — a Legal 500-listed boutique firm founded in 1986 — where he has practised since 2006. Called to the UK Bar in 1996 and Singapore Bar in 1998, he specialises in complex commercial fraud, shareholders' and partnership disputes, debt recovery for financial institutions, insolvency, international arbitration for Fortune 500 companies, and acting for foreign governments in domestic legal matters. He has handled corporate and property transactions exceeding S$1.2 billion and has represented clients including financial institutions, listed companies, and foreign governments in the Court of Appeal, High Court, State Courts, and international arbitration tribunals. In 2012, he was awarded the LASCO Award (Legal Assistance Scheme for Capital Offences) by the Chief Justice of Singapore — one of the legal profession's highest service recognitions. He also serves as a community leader appointed by his Member of Parliament.
S$1.2B+
Corporate & property transactions personally handled
Legal 500
Firm listed in The Legal 500 global rankings
LASCO 2012
Chief Justice Award — Singapore's highest legal service honour
Fortune 500
International arbitration for Fortune 500 companies
INVESTOR NOTE
Multi-jurisdictional fintech licensing fails without world-class legal architecture. Manoj's career has been built at the highest stakes of regulated legal environments — financial institutions, listed companies, foreign governments. That depth is the compliance moat.
Oxford · LSE · Slaughter & May

Mohammud Anas Bhurtun

Legal Counsel
"Elite law. Deep crypto. Built and sold a Web3 company."
Mohammud Anas Bhurtun is a founder, investor and lawyer with elite academic and professional credentials at the intersection of law, fintech, and Web3. He studied law at the University of Oxford, holds an MSc from the London School of Economics (LSE), and qualified as a Solicitor of the Senior Courts of England & Wales in 2016. His legal career spans Slaughter and May (Magic Circle trainee), Ashurst, and Gowling WLG — among the world's most prestigious law firms — before moving into FinTech as Legal Counsel at Checkout.com, where he worked directly with major exchanges including Coinbase, Binance, and FTX. He is certified by the Government of Dubai Legal Affairs Department as a Legal Advisor and co-founded Arts DAO, the largest Web3 community in the Middle East, which was successfully sold. He currently serves as Managing Director of a family office deploying capital in real estate across Europe, Asia, Africa, and the Middle East, and is an active DeFi liquidity pool strategist and crypto investor since 2018.
Oxford + LSE
Law degree Oxford; MSc Economics from LSE
Slaughter & May
Trainee at Magic Circle firm — elite legal tier
Checkout.
com
FinTech Legal Counsel — Coinbase, Binance, FTX
Dubai Gov.
Certified Legal Advisor — Government of Dubai
INVESTOR NOTE
Crypto licensing is the single hardest part of building a compliant fintech in 2026 across three emerging markets. Anas brings elite legal pedigree, hands-on FinTech deal experience at Coinbase/Binance level, and a lived Web3 founder exit. That combination doesn't exist twice.
Board of Advisors

The Special Dream Team

We are assembling a world-class board of advisors and exclusive strategic partnerships with heavyweight figures in aviation, fintech regulation, cross-border finance, and high-level government ecosystems.

The names behind the names. Coming when the round closes.

We are assembling a world-class board of advisors with heavyweight figures in aviation, fintech regulation, cross-border finance, and high-level government ecosystems across GCC, India, and Africa. Their stature and ongoing onboarding means full disclosure is subject to NDA — but the calibre is consistent with the team you've just reviewed.
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NDA
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NDA
What comes next

The market is open.
The team is ready.
The round is now.

Two Forbes 40 Under 40 Tech founders. Sovereign-level government partnerships. Oxford and Magic Circle legal credentials. $120M+ in proven monthly volume. AbsolutePay is raising its pre-seed round now.
$10M Pre-Seed
$25M Valuation
SAFE w/ Multiple Caps
$3.5M Immediate
$18–20M

View The Ask

We're raising $10M pre-seed at a $25M pre-money valuation. Earlybird terms available. First close target is $3.5M — and it's filling.
Learn more

Contact us

Serious about the opportunity? So are we. Get in touch with the founding team and let's talk.
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Network Effects
Switching Costs
Regulatory Moat
Data & AI Compounding
First-Mover Position