About this blog
Research, not marketing
Every post is grounded in data, cites its sources, and written by someone who has built payment infrastructure at scale.
Author
William Min
Technical Product Manager · LovieCreator of TokenOps. Technical PM at Lovie. 12+ years building payment infrastructure and fintech products across Asia and the US.
Background
William Min is the creator of TokenOps and a Technical Product Manager at Lovie. He has over 12 years of experience building financial ecosystems and payment infrastructure across emerging and developed markets.
At Lovie, William leads the TokenOps product — a unit-economics platform for AI-native companies. Previously, he was Senior Consulting Manager at Cognizant, where he led the 0-to-1 modernization of Wells Fargo international payment infrastructure, focusing on embedded mobile payment and AI integration.
William has held senior product roles at Yoma Bank (Head of Digital Products, leading a 40-person tribe building a SuperApp ecosystem) and AYA Bank (Head of AYA Pay Business, where he built a mobile wallet from scratch and scaled it to a dominant payment method for the unbanked). He co-founded mystylo, an e-commerce platform with cross-border payment capabilities, and CONNECT Institute, an education technology venture.
Credentials
- MBA — Hult International Business School
- MSc International Banking & Finance — University of Salford
- Cloud Architecture: Core & Advanced Concepts
- Introduction to Large Language Models
Areas of expertise
Editorial standards
How we research
Data-first, not opinion-first
Every claim in a TokenOps post is backed by a named source — a report, a filing, a press release, or a public pricing page. We do not publish speculation. If a number is an estimate, we say so and note the confidence level.
Named sources, always
Each post ends with a Sources section that names the specific reports, companies, and filings referenced. ICONIQ State of AI, Bessemer State of AI, company press releases, vendor pricing pages — you can verify every data point.
Written by a practitioner
This blog is not written by a marketing team or a content agency. Every post is written by William Min, who has 12+ years of experience building payment infrastructure and fintech products, and who ships TokenOps code.
No AI-generated content
Posts are researched and written by hand. AI tools may be used for fact-checking and data gathering, but the analysis, argument structure, and prose are authored by a person with domain expertise.
Dated and versioned
Every post carries a published date and, when materially updated, an updated date. We do not silently rewrite posts. Changes are date-stamped so readers can track what changed and when.
Confidence标注 on estimates
When we cite ARR estimates, funding figures, or token-cost calculations, we note the confidence level (High, Medium, Low). Private company data is inherently uncertain and we treat it that way.
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