# Research, not marketing

Every post is grounded in data, cites its sources, and is written by someone who has built payment infrastructure at scale.

## 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's 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

- Model Context Protocol (MCP)
- Agentic AI Development
- International Payments & Transfers
- Fintech Product Strategy
- LLM Cost Attribution
- AI Unit Economics

## 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 We do not publish speculation.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.

## Ready to see your real margins

Join the TokenOps early access program. Per-customer attribution, vendor reconciliation, and MCP finance tools — in one platform.