Igor Ustinov
CEO & Bank Builder · Limassol, Cyprus
I build regulated fintech infrastructure. As CEO of HAPIC LTD, I am leading the launch of a Cyprus-licensed EMI serving SMEs across the EU — combining licensing, payment rails, and product into a fully operational system.
Not a front-end fintech. A regulated foundation, built from the ground up.
Connect on LinkedInBanking & Fintech
Two decades inside the regulatory machinery of European and global finance.
- Santander
- BNP Paribas
- Toyota Bank
- Exness
- RBK.money
- $2T
- Trade turnover reached at Exness after restructuring the payment function — doubled during the project.
- $10M → $200M
- Monthly cross-border card payment turnover at RBK.money under FCA UK regulation.
- 500,000+
- Retail loans overseen and migrated at BNP Paribas during an M&A cycle.
Founder Track
Built from zero — licence, team, product, operations.
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2022 — present
HAPIC LTD · Cyprus EMI
Co-founder and CEO. Digital financial platform for EU SMEs — IBAN, SEPA, global payments, FX. Built team, secured EMI licence, launched operations.
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2017 — present
Transactional Finance Technology · Fintech advisory
Founder. Strategic consultancy for fintech founders: go-to-market, scaling, product / sales / compliance alignment.
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2014 — 2016
Mobilnaya Karta NKO · Settlement bank
CEO. Launched one of the first licensed settlement banks for the betting industry under central-bank supervision.
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2012 — 2016
SuperSeaView · Aparthotel, Montenegro
Founder and investor. Built a 10-apartment complex in six months, full documentation, Booking.com 9.6.
Education
- Bournemouth Business School International · Finance & Financial Services · 2010
- Academy of Business EY, Moscow · DipIFR, IFRS · 2010–2011
- New Economic School · Corporate Finance Modeling · 2018–2019
- Adizes Institute Worldwide · Principles of Organisational Architecture · 2020