Mehul Desai has almost 30 years of experience in FinTech, ICT and related New Economy applications worldwide, focusing on intellectual property, product development, business development, strategy, and international operations. Mehul has done pioneering work in the field of secure personalized transactions, with focus on finance, retail, healthcare, consumer, and government services, evolving the Digital Wallet, to a Mobile Wallet, to Lifestyle Containers and upcoming Digital Money technologies (DeFi CBDC). Mehul has over eighty issued patents mainly in the areas of secure financial transactions and IoT.