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BE DEFIANT
FOR GOOD

®

Defy by xcube.co is redefining inclusive finance to empower women, migrants, and refugees with dignity and opportunity.

Check out their stories

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130K

Underserved women

Stories

How Defy supports women, migrants and refugees

Defy helps individuals build resilient financial identities by transforming cash transactions into pathways for economic independence.

Through tailored savings, microloans, insurance, and financial literacy tools, Defy drives the shift to digital economies, fostering resilient communities and stronger futures.

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Get to know the people we help

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Making financial inclusion possible in our lifetime.

PUBLIC ORGANIZATIONS & NON-PROFIT ORGANIZATIONS

Become a partner to foster financial inclusion

TECHNOLOGY PARTNERS

FOUNDATION, CSR INITIATIVES & IMPACT BANKING

Support our pilot project

BUSINESS PARTNERS

Become a venture client

Team

Our Team

The people who make it happen.

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Sebastien has founded businesses worldwide for over two decades, achieving three successful exits. His expertise lie in building and advising early-stage startups pursuing a 1-to-10 bootstrap path. He also holds a PhD in Strategic Management.

Sebastien Picard

Chief Executive Officer

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Seasoned leader in FinTech, risk mitigation, and commercial due diligence in APAC.

Eelee Lua

Chief Operating Officer

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Veteran compliance leader in FinTech and global banking for 25+ years.

Julia Chin

Chief Regulatory Affairs Officer

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10 years of brand building through strategy and design.

Beatrix tay

Brand Manager

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Impact investing professional and founding team member for numerous FinTech startups.

Holly Smith

Product Manager

The Advisors

The experts supporting our mission.

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Expert in “connecting the dots” to bring value, impact, and build ecosystems in emerging markets.

Isabelle Lessedjina

Fintech & Financial Inclusion

Extensive experience in innovation, entrepreneurship, and mentorship in the FinTech and Insurtech spaces.

Zehan T.

Ecosystem Development & GTM

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Experienced venture builder within FinTech innovation and sustainability (ESG) spaces.

Lynette Lee

Venture Builder & Impact

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Successfully listed more than 70 companies on the New York Stock Exchange (NYSE) and Nasdaq.

Sam Van

Fundraising & Exit strategy

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