Leadership

Vincent Scaturchio

CEO & Founder, Digitalyze Labs

Vincent is a founder, engineer, and strategist with more than two decades of experience designing and optimizing mission-critical data infrastructure for the world's largest financial institutions. Before founding Digitalyze Labs, he built and led InputIQ, securing exclusive Master Services Agreements with Tier-1 banks such as DBS and ANZ — a level of institutional trust typically reserved for multinational vendors.

Throughout his career, Vincent has specialized in database and distributed systems architecture across global trading rooms, shaping the infrastructure behind some of the most complex financial platforms in operation. He has been a trusted escalation point and key stakeholder at HSBC, Citigroup, Credit Suisse, DBS, ANZ, National Australia Bank, and others, where his work directly influenced the stability, speed, and resilience of multi-billion-dollar trading environments.

His expertise has consistently delivered first-in-market engineering solutions: re-platforming and clustering global trading databases, redesigning infrastructures that cut hours of daily processing into minutes, and driving system transformations that ensured compliance, scalability, and performance. Many of these systems remain in production today — invisible backbones of the world's most important financial markets.

The Settlement Computer

Vincent identified that cross-border settlement — a $150T annual market — suffered from the same architectural failures he had spent decades fixing in capital markets: trapped liquidity, gross settlement where netting should exist, and risk priced into every transaction because infrastructure couldn't compress it out. CLS serves 75 banks across 18 currencies. The remaining 38,000+ institutions settle gross.

His response was to build, from scratch, a purpose-built settlement chain: a custom Avalanche L1 with 11 consensus-level native precompiles written in Go — not smart contracts, but deterministic settlement logic running at the consensus layer. The result is the Settlement Computer, an eight-product institutional settlement infrastructure suite designed to bring multilateral netting to the 38,000+ institutions currently locked in gross settlement.

The technical scope of what Vincent has built as sole architect is exceptional:

• Cryptographic privacy layer — Pedersen commitments (BN254) enabling homomorphic netting on encrypted values, AES-256-SIV metadata encryption, Bulletproofs zero-knowledge range proofs (70ms proving, no trusted setup), and Shamir's Secret Sharing key distribution with tiered view keys and participant-sovereign data delegation
• Post-quantum authentication — ML-DSA (FIPS 204) digital signatures deployed via cloudflare/circl. Real post-quantum cryptography, not simulated
• Multi-tenancy architecture — Per-corridor RBAC with 6-level role hierarchy, supporting all eight Settlement Computer products on a single chain with isolated corridor configurations
• AI-powered ISO 20022 translation — PayNet converts retail and mobile money formats into netting-eligible CBPR+ settlement instructions using AI-driven message translation
• Cross-corridor netting — A second layer of netting across corridors sharing the same currency, delivering additional compression beyond per-corridor multilateral netting

Vincent is the sole inventor on 7 U.S. patent applications (~437 claims) covering the entire Settlement Computer architecture: multilateral netting, agentic clearing for autonomous economic agents, trade finance and energy settlement, cryptographic privacy, post-quantum authentication, tokenized asset DVP netting, and digital currency netting for stablecoins and CBDCs.

The FiatRails Foundation, a Cayman Islands Foundation Company, serves as the governance and IP custodian for the Settlement Computer.

Vincent also designed FiatRails Access — the first fully decentralized, non-custodial on/off ramp with direct mobile money integration and 24/7 liquidity powered by an autonomous merchant network. Unlike centralized ramps that depend on corporate treasuries, Access enables crypto-to-mobile-money conversion through independent merchants who provide their own float — no intermediary ever holds user funds.

He also built AFXO, an institutional-grade FX oracle delivering deterministic rate feeds across global currency pairs — a Chainlink-compatible oracle that serves as the pricing engine for the Settlement Computer.