Joey Xu

Joey Xu is VP of Business at PhotonPay, a global payment infrastructure company building dual-rail fiat and stablecoin payment solutions across 200+ countries.

The Death of the Payment Router: Why “Compliance as an OS” is the Only Way Forward for 2026

by Joey Xu

August 5, 2026

For a decade, the pitch to institutions was clear: faster transactions, lower costs, and a way around the traditional banking...

Africa’s Payment Problem Isn’t What You Think It Is

by Joey Xu

July 23, 2026

Over the years, I've worked closely with businesses across Nigeria—trading companies, cross-border operators, and suppliers trying to connect into global...