Head of Product · DeFi · CeFi · Protocol Design
Vinay Kumar
I build products where risk is the interface. At Hashstack, that meant under-collateralized lending with zero credit committees—solvency enforced by smart contracts. At Finin, that meant neobank core banking (KYC → savings → cards) with a banking partner, scoped under RBI digital-banking constraints. The pattern: systems that still work when users don’t cooperate.
IIT Kharagpur · Founded Hashstack · Head of Product, Finin (acquired) · Token 2049
On stage
Token 2049 — product thinking under protocol constraints.
Connect & case studies
Public handles and the work — decisions, tradeoffs, and receipts.
How I Built Autonomous Under-Collateralized Lending
Hashstack — Degen Mode, DIAL, risk constraints, and a structured wind-down with funds still withdrawable.
Building an AI product from domain expertise
Parashar — product strategy, rule systems, and translating domain judgment into consumer intelligence.
Systematic trading infrastructure from first principles
Guardrail — multi-agent risk gates, behavioral AI, and live infra for principal capital — domain versatility beyond DeFi product work.
Verification ledger
Public artifacts only. Keywords reformulated from shipped work — nothing invented.
Hashstack Finance
- Degen Mode One-click leveraged strategy execution docs
- DIAL Custom rate model for term-deposit lending archive
- Interest rate model Production kinked utilization curve docs
- CertiK audit Independent smart contract review PDF
- Open protocol whitepaper Protocol architecture PDF
- HSTK · Ethereum Uniswap-listed ERC-20 etherscan
- USDT–HSTK pool Uniswap V3 primary liquidity etherscan
- HSTK · Starknet Ekubo listing voyager
- Harmony grant Ecosystem grant for under-collateralized lending forum
- DefiLlama Public TVL tracking — protocol wound down; no peak TVL claimed DefiLlama
Standards & speaking
Career proof
- Finin acquisition Acquired by Open (Open Financial Technologies) — TechCrunch TechCrunch
Investing
- Gushwork Angel investor — $9M seed announcement seed