Tianyao Liu, co-founder and business development leader at Xfers, is a seasoned entrepreneur and technology professional with experience in startup management, SaaS, and digital finance. With a focus on building the financial infrastructure to power ASEAN's rapidly developing digital economy, Liu has played a key role in expanding the reach of Xfers across the region. Before co-founding Xfers, Liu led the expansion of Swedish SaaS company Comaea in Singapore, and served as Deputy Director of Technology at NTUC Media Co-operative Limited and VP of Technology at Stream Media Pte Ltd. Liu has a strong background in computer engineering, having studied at the National University of Singapore and Kungliga Tekniska högskolan, and has been recognized for his excellence in entrepreneurship at the Stockholm School of Entrepreneurship.