My focus right now is Apiosk — an authority layer for agentic AI payments. As autonomous agents start to pay on their own, the hard question isn't how to move the money but under what conditions an agent is allowed to: Apiosk is the non-custodial policy engine that answers it, sitting above existing bank settlement rails. It builds on years across European payments and digital identity — co-leading the consumer-payments workstream of the EU Digital Identity Wallet (EUDI) across 65+ stakeholders (banks, fintechs, vendors and regulators), advising on the digital euro and eIDAS 2.0 at the Dutch Payments Association, and designing UX for digital banks and non-custodial crypto wallets. The through-line stays the same: turning complex regulation — PSD2/3, MiCAR, eIDAS 2.0 — into products people actually want to use, and connecting banks, fintechs and regulators around them.
Core expertise
Where I go deep
Payments & agentic money movement
Digital euro, stablecoins, tokenized and blockchain-based payments, and the new frontier of agentic AI payments — under frameworks like PSD2/3, MiCAR and eIDAS 2.0.
Digital identity & credentialing
EUDI Wallet ecosystems, identity-linked payments, multi-stakeholder coordination, and compliance-by-design for identity services.
Product & UX strategy
Design systems, digital banking platforms, fintech product development, and regulatory compliance built into the user experience.
Blockchain & crypto
Non-custodial wallets, tokenized assets, DLT/MiCAR compliance, and interoperability between traditional finance and crypto.
European policy & innovation
Multi-stakeholder workstreams, regulatory alignment, consortium coordination, central bank liaison, and strategic advisory.
Track record
What I'm known for
- 01
Coordinated 65+ stakeholders (135+ people) across Europe on digital payments and identity, translating policy into technical and UX requirements.
- 02
Led the consumer-payments workstream of the WE BUILD consortium, linking EUDI Wallet credentials with payment flows.
- 03
Advising the Dutch central bank (DNB) and the ECB on digital euro implementation and regulatory guidance.
- 04
Architecting non-custodial wallet UX for 150k+ users on blockchain networks (XRPL, multi-chain).
- 05
Building design teams that ship — scaling Knab from startup to digital bank with a 9-person design team.
- 06
Publishing on the future of digital money, stablecoins, and Europe's capacity to innovate.
Thinking & writing
Recent pieces
Experience
Selected roles
- InteractielinkFounder & Principal Consultant · 2015–now
My independent practice at the intersection of payments, digital identity and EU regulation — helping banks, fintechs and public bodies turn policy (EUDI, digital euro, eIDAS 2.0, PSD2/3, MiCAR) into products, combining product strategy, regulatory translation and UX.
- ApioskFounder · 2025–now
Building an authority layer for agentic AI payments — a non-custodial policy engine that decides under what conditions autonomous agents may move money, sitting above bank settlement rails.
- WE BUILD ConsortiumConsumer Payments Lead · 2025–2026
Co-led the consumer-payments workstream linking the EUDI Wallet with payment flows across Europe, coordinating banks, PSPs, vendors and regulators.
- Dutch Payments AssociationPolicy Advisor · 2025–2026
Advised on the digital euro, eIDAS 2.0 and identity-based payments in ECB and EU working groups, and to Dutch banks and regulators.
- Xaman (XRPL Labs)UX Architect & Business Developer
Improved non-custodial wallet UX for 150k monthly users on the XRPL and explored CBDC and ledger-to-bank interoperability.
- Knab BankUX Architect & Team Lead
Built and led a 9-person design team, scaling Knab from startup to digital bank — core banking UX, migrations and the design system.