Founded by proven entrepreneurs with decades of experience in the financial services space.

The leadership team directing the development of Spring Labs has more than 75 combined years of experience advising, leading, and building companies in the financial services space. The problems being addressed by the Spring Protocol are societal-level issues we’ve encountered firsthand.

We are a team built by leaders from across the globe, unified by a single, overarching mission: to create a more inclusive, efficient and secure global financial ecosystem for all.


A rapidly growing world-class team of proven entrepreneurs within the financial services space.

Adam Jiwan

CEO, Chairman, Founder

Adam is an established fintech entrepreneur, with more than 15 years of experience founding, investing and growing companies in the space. Before Spring Labs, Adam was a seed investor and founding board member of Avant. He was also the Co-Founder and Chairman of Future Finance, a student loan platform that’s raised more than $325M. Adam also acted as the CEO of UK/Asia for TPG-Axon, and held roles at Goldman Sachs, Soros Fund Management, and the Blackstone Group. Adam is a graduate of Harvard University.

Anna Fridman

General Counsel, Founder

Anna is a seasoned attorney with deep experience in regulatory financial issues. Prior to Spring Labs, Anna served as the General Counsel at Avant, managing a team of 40+ attorneys and compliance professionals. Anna also served as in-house counsel at Enova and holds a JD from UCLA Law.

John Sun

President, Founder, CPO

John is a technologist and entrepreneur with deep experience in credit and fintech. Prior to Spring Labs, John co-founded Avant, a fintech unicorn, where he served as the Chief Credit Officer and UK GM. John was also an Inc. 30 Under 30, and went through Y-Combinator Spring 2011 with DebtEye (acquired by Avant). John also formerly ran the Data and Analytics Team at Enova.

Joel Eckhause

Chief Operating Officer

Joel has spent more than 20 years in financial services, holding C-level and executive-level positions ranging from product, marketing, origination operations, servicing and default operations, credit risk, and corporate strategy at companies such as Renew Financial, Bank of the West, Capital One, and HSBC. Most recently, Joel served as both the Chief Risk Officer and Chief Operating Officer at Renew Financial. Prior to his time in financial services, Joel was a consultant with Booz Allen from 1999 to 2004.  Originally an engineer, Joel began his career at Ford Motor Company. Joel holds an MBA from the University of Michigan.

Daniel Mason

EVP, Sales and Strategy

Daniel Mason is the EVP - Sales and Strategy at Spring Labs. Previously, Daniel was Co-Founder/CEO at Elemetric, a Techstars company providing enterprise blockchain solutions. Before that, Daniel was an Entrepreneur-in-Residence at IDEO, ran the Data Science and Analytics Team at payments/point-of-sale startup Belly, and worked in Corporate Strategy at Red Hat (now part of IBM), the largest open source software company in history. Daniel has a degree in Mathematical Business from Wake Forest University.

Thanh Lim

Senior Director, Engineering

Thanh is the Senior Director of Software Engineering at Spring Labs, overseeing platform development efforts and responsibility for building the engineering team at Spring Labs. Prior to Spring Labs, Thanh was a Principal Software Architect at VC-backed online bank Aspiration. Thanh has previously held senior engineering roles at the Honest Company, Dreamworks, and Earthlink.

David Kravitz, PhD

Director of Research

David is a cryptography and information security expert with over 35 years of experience applicable to blockchains, payment systems, IoT, smart grid, digital rights management and government voice and data critical infrastructure communications. He began his career at the National Security Agency, where as Senior Technical Advisor he combined his exceptional skills in protocol and algorithm design to profoundly enhance the security posture of communications, as stated in the Certificate of Achievement awarded by the Director of NSA. He invented the Digital Signature Algorithm/DSA (FIPS 186) and was the principal architect of Membership Services identity management for Linux Foundation Hyperledger Fabric. David is a graduate of Rutgers University, Johns Hopkins University and University of Southern California.

Ashwini Rao, PhD

Chief Information Security Officer

Ashi is a security and privacy researcher with extensive systems and engineering experience. She has published in top-tier venues, given invited talks at regulatory agencies such as the FTC and received press coverage by NPR, Scientific American etc. She has worked at the Bavarian School of Public Policy and Qualcomm Inc. Ashi holds a PhD in Computer Science from TU Munich, MS in Information Security from Carnegie Mellon University and MS in Computer Science from IIT Bombay.

Matt Smith

Research & Engineering Architect

Fabrice Cheng

Lead Blockchain Engineer

Keith Hurlic

Lead Devops Engineer

Shanee Dinay

Software Engineer

Randy Bloom

Senior SDET

Daniel Hu

Full Stack Engineer

Dustin Laurence

Senior Backend Engineer

Huy Nguyen

Software Engineer

Michael Young

Senior Backend Engineer

Nam Nguyen

Software Engineer

Devika Pradhan

Software Engineer

Mark Shieh

Lead Software Engineer

Elaine Huynh

Software Engineer

Mollie Zechlin

Cryptographic Research

Steve Kim

Senior Manager, Products

Kevin Harrison

VP, Business Development

Valentin Blehaut

Senior Associate, Strategy & Operations

Beata Kharkovsky


Sakina Hasan

Product Manager (Rotational Program)

Nathan Schmitt

Assistant General Counsel

Savannah Wesley

Executive Assistant

Halle McQuilton

Compliance Manager

Taylor Wilson

Administrative Assistant

Dilip Makkena

Director, Business Development

Shellie Schumaker

Director, Governance and Compliance

Katie Thompson

Director, HR

Alex Kogan

Sr. Manager, FP&A


Spring Labs has brought on top advisors from financial services firms and regulatory bodies to help guide our company to success.

Sheila Bair

Former Chair of the FDIC

Andreas Beroutsos

Former Global Head of Financial Institutions at McKinsey

Brian Brooks

Chief Legal Officer at Coinbase

Gary Cohn

Former Director of the U.S. National Economic Council

Raj Date

First-ever Deputy Director of CFPB

Ray Lane

Former President & COO of Oracle

Richard Levy

Founder at Victory Park Capital

Bobby Mehta

Former CEO of Transunion and HSBC NA

Nigel Morris

Co-founder of Capital One

Grigore Rosu

Founder and CEO of Runtime Verification, Inc.

Manolo Sanchez

Former Chairman & CEO of BBVA Compass

Guy Schory

Former Head of Strategic Initiatives at eBay & PayPal

David Siemer

General Partner at Wavemaker Genesis


Spring Labs has brought on top advisors from financial services firms and regulatory bodies to help guide our company to success.

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