Alex Khomyakov

CEO @ | Founder @

[Alex Khomyakov @a_khomyakov]

full convo on synthetic fraud, payment security, and why this got so out of hand:

https://t.co/EIbLDK8Gkh

[Alex Khomyakov @a_khomyakov]

synthetic identity fraud is now the fastest-growing financial crime but we're all busy arguing whether ChatGPT will take our jobs lol

turns out AI *is* taking jobs... fraud jobs. and it's really good at it

[Alex Khomyakov @a_khomyakov]

banks won't share fraud intel with each other (competition reasons obvs) so criminals just hop around. classic tragedy of the commons but make it fintech

what's your hot take - should regulators force fraud data sharing?

[Alex Khomyakov @a_khomyakov]

If you're building fintech infra, the next 24 months = consent mgmt, real-time risk layers, governance tooling for agentic commerce.

Are you seeing this shift in your conversations yet?

#fintechinfrastructure #AgenticCommerce #PaymentRails

[Alex Khomyakov @a_khomyakov]

AI agents just closed real payments on Mastercard rails while crypto bros are still explaining why their memecoin will revolutionize money.

[Alex Khomyakov @a_khomyakov]

The ask is shifting fast: banks don't want chatbots, they want auditability + compliance + transaction controls that work with AI workflows.

[Alex Khomyakov @a_khomyakov]

Listen here: https://t.co/EIbLDK8Gkh

What's your take—is RWA tokenization actually happening or are we still too early?

[Alex Khomyakov @a_khomyakov]

I love how every NFT bro from 2021 is now a "real-world asset tokenization expert"

Meanwhile actual capital markets vets like Steve Wallace are quietly explaining which on-chain bonds are legit vs which are just grift with extra steps

[Alex Khomyakov @a_khomyakov]

Steve's a CAIA charter holder advising Web3 protocols in Dubai. We talked tokenized money market funds, why TradFi distribution is still the moat, and how to spot real use cases.

Messy, practical convo—no hype.

[Alex Khomyakov @a_khomyakov]

wrote up how we're doing this at scale — it's honestly changed how we think about what counts as "done"

https://t.co/PyDAVZdQEl

what metrics do you use to catch useless-but-complete work?

[Alex Khomyakov @a_khomyakov]

i love when research ops celebrates 100% interview completion rate but half the experts just said "can't comment" for 30 minutes straight

we built the same dumb dashboard until we realized: completed ≠ useful

[Alex Khomyakov @a_khomyakov]

now we score every interview against its own objective and separate "did the AI run it well" from "did the expert actually share anything"

turns out you can automate stonewalling detection lol

[Alex Khomyakov @a_khomyakov]

the fix isn't 47 different projects

it's one pipeline that adapts at vetting: different questions, different eval criteria per role

way less work to maintain. way better signal.

wrote about how we're building this:

https://t.co/82dhTKm2Vb

[Alex Khomyakov @a_khomyakov]

i just watched someone interview a CFO and a CMO with the exact same script

"walk me through your growth strategy" hit different when one's talking EBITDA and the other's talking TikTok

this is why i'm obsessed with role-adaptive interview pipelines

[Alex Khomyakov @a_khomyakov]

most teams build one "expert interview" prompt and call it done

then wonder why the CTO gives amazing technical depth but can't speak to market dynamics

it's not the expert. it's that we asked a systems architect about go-to-market fit lol

[Alex Khomyakov @a_khomyakov]

Not saying fire your team lol. But if you're building something NEW in fintech and think you need 8 people... you probably need 3 good ones and better AI workflows

https://t.co/cZOYpNhcYH

What's your team size?

[Alex Khomyakov @a_khomyakov]

Your 8-person fintech team: 2 actually ship code, 3 are in meetings about meetings, 1 is updating Jira, 2 are "aligning on strategy"

I just rebuilt our compliance stack with 3 people and AI tooling

[Alex Khomyakov @a_khomyakov]

The 3-person setup that works:
- 1 senior eng who gets fintech rails
- 1 product person who can prompt AND ship
- 1 ops/compliance hybrid

Everyone codes. Everyone ships. No passengers.