Synchrony's Founding Team

Synchrony is built upon the belief that cryptocurrencies, and DeFi, are the great social and financial equalizers of our time. Yet, we have found that for even the moderately knowledgeable crypto user, the barriers to entry within the space are many, and operating therein can be even harder. We feel particularly strongly that the very instruments we have had at our disposal, and the way we interacted and viewed these instruments, needed acute innovation; a paradigm shift per se. Synchrony does exactly this, by offering all user archetypes our suite of dynamic and friendly products, built with purpose, to simplify the experience of interacting with DeFi for everyone.

Synchrony was initially founded by two old friends, Andrew Fraser and Andy Keh. Andrew²  have known each other since they were wee lads eating snacks while playing video games online. And when they had grown just a bit, they worked together on a project named Sentience, which managed alternative assets for a variety of clients. It was during the DeFi Summer of 2020 when Andy and Andrew started brewing a concept, and a few months later their ideas together would form Synchrony.


 Andrew Fraser is Synchrony’s architect. He is a software engineer with a decade of experience designing and developing solutions for tier-1 financial institutions. Andrew’s focus has been in execution platforms, algorithmic trading and algorithmic portfolio optimization. Andrew was the architect of the execution platforms i-Invest for Ageas Insurance Company Asia (AICA) and Avenir | Wealth for Prive Technologies, while also serving as their Strategic Director. For years before Synchrony’s inception, Andrew had been full-time algorithmic trading cryptocurrency and forex, executing high frequency trading strategies. Andrew enjoys surfing big waves, playing his guitar, and developing. Oh, and Rust is his absolute favorite coding language.


Andy Keh is our strategy and user experience lead with over a decade of application and systems development. Andy is a full stack dev who first dipped his toes into Bitcoin in 2010 while researching cryptography for an R&D Directorship at a Berkshire Hathaway subsidiary (H.H. Brown). Andy has also managed operations for a digital marketing startup, where he executed strategies to scale the business and his team. Andy loves to say his experience is an inch deep and a mile wide, but his entrepreneurial experience (and unfettered drive) over the last decade is priceless. Andy has a deep seated love for music, produces regularly, and even had a few tracks signed to a label. We can’t wait to share some audio-centric community engagements and content.


Mohammed El Amine Idmoussi, or Med for short, is our resident full stack dev and blockgeek. Med was inspired by the Synchrony concept and had already had a relationship with Andy as they had participated in hackathons together. Med is a security expert, and he specializes in app integration and quality assurance. Having worked on multiple blockchain projects, Med brings a wealth of block-specific experience to the equation. And having won several hackathon distinctions, Med has an obvious love and adoration for blockchain technology. Med is working hand in hand with Andy on UI and UX. Med is also a Consensys Ambassador, speaks 3 languages fluently, 2 more loosely, and has lived and worked on 3 continents!


Maurice Chalfin is heading marketing and community engagement for Synchrony. Maurice has been in or around crypto since 2011 when he discovered his neighbor’s were mining Bitcoin on home computers. Providence brought Andy and Maurice together when they happened to be in the same city at the right time. Maurice ran his own small scale fashion design & production company in his hometown of New York City, and for the last 7 years has been focused on project management, community relations, and team building in the cycling industry. Maurice is laser focused on fostering a community built upon inclusion and positive sum thinking. Maurice at one time was a professional bike messenger and semi-competitive cyclist; he admits he’s lived a few lives!

While Andrew and Andy founded Synchrony, the team believes the amalgamation of our experiences, ideals, and values sets us apart from the pack. We believe it puts us in a unique position to execute the Synchrony vision from concept to creation. Before we were builders, we were all DeFi users ourselves, so we take a user-centric approach when tackling problems. Synchrony is a marriage of our perspectives and ideals, unified in the common purpose to democratize access to DeFi for everyone.

Follow us on Twitter and Telegram, and see our articles on our blog.

We will be releasing more details on Synchrony, teasers, community driven experiences, and partnership announcements soon, so stay tuned!


This document (this “Material“) is issued by Synchrony Labs Ltd (Company No.: 2064276) (the “Company“), a company registered in the British Virgin Islands. This Material has been prepared and issued to a number of potential users (such “Recipients“) of the “Synchrony” platform (the “Platform“) for the purpose of providing them with general information regarding the operational workflow of the Platform. This Material is provided solely for the information and exclusive use of the Recipient and may not be communicated, photocopied, reproduced, disclosed, distributed or divulged to any other person at any time except as agreed in writing by the Company. This Material shall in no event be construed as any form of investment, financial, tax or legal advice.

The information contained in this Material has been prepared solely for informational purposes and is not an offer or invitation to sell or acquire any shares, securities, asset-backed tokens or any assets or other equity interests of whatever nature via the Platform, and shall not be taken as any form of commitment or recommendation on the part of the Company to proceed with any transaction described. Any offer to purchase any interest in any product on the Platform from the relevant third party issuer or manager (the “Issuer“) shall only be made pursuant to a definitive offering memorandum or similar document prepared by or on behalf of the Issuer, which would contain material information not contained herein and which shall supersede this information in its entirety. An agreement relating to the Issuer or the acquisition of any asset-backed tokens will only give rise to any contractual obligations (express or implied) when such definitive agreement(s) are executed. Nothing contained herein shall be deemed to constitute an agreement by the Company to permit the Recipient to have unrestricted access to or use of the Company’s information, financial figures, data records, or otherwise.

This Material may include forward-looking statements. The Company has based these forward looking statements on its current expectations and projections about future events. These forward-looking statements are subject to risks, uncertainties, and assumptions about the Company, the Issuer, or the acquisition of any asset-backed tokens, and the business environment, and are subject to change without notice. The Issuer’s actual results of operations may differ materially from the forward-looking statements. The Company undertakes no obligation to update or revise the contents of this Material, whether as a result of new information, future events, or otherwise. In considering any prior performance history contained herein, the Recipient should note that past performance is not necessarily indicative of future results, and there can be no assurance that the Issuer or any transaction will achieve comparable results or that targeted returns will be met. In particular, the Issuer deals with investment in the early stage technology sector and digital assets. Participation in early stage technology and digital assets carry significantly greater risks and are of high risk and volatile.

In accepting delivery of this Material, the Recipient agrees that no information or communication, whether of facts or of opinions, contained in this Material (including any omission to make any statement) or any other written or oral communication transmitted or made available to the Recipient pursuant to or in connection with this Material is, or shall be relied upon as a promise, representation or warranty to the matters stated or otherwise, whether as to the past or the future. The Recipient’s decision to engage with the Issuer or the acquisition of any asset-backed tokens via the Platform shall only be made after independently reviewing the definitive agreement(s), conducting due diligence checks regarding the Issuer and all uncertainties, merits and risks involved as it deems necessary, and consulting its own investment, legal, accounting and tax advisors in order to make an independent determination of the suitability and consequences of engaging with the Issuer or the acquisition of any asset-backed tokens via the Platform, which shall be made in compliance with all applicable laws. Such information and communication is not intended to form the basis of any investment decision and accordingly the Recipient shall hold the Company harmless against any liability for damage or loss that may result from the Recipient relying upon all such information and communication.

The Company does not and does not purport to make, and hereby disclaims, all representations, warranties or undertaking to any Recipient, entity or person (including without limitation warranties as to the accuracy, completeness, timeliness, or reliability of the contents of this Material or any other materials published by the Company or its affiliates). To the maximum extent permitted by law, the Company, its affiliates and service providers shall not be liable for any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or otherwise (including, without limitation, any liability arising from default or negligence on the part of any of them, or any loss of revenue, income or profits, and loss of use or data) arising from the use of this Material, or any other materials published, or its contents (including without limitation any errors or omissions) or otherwise arising in connection with the same.

This Material has not been examined or approved by any regulatory authority. Where an offer is made by an Issuer pursuant to a definitive offering memorandum or similar document, it shall be made only in compliance with and subject to the limitations imposed by applicable laws applying to the offeror’s ability to offer securities to prospective investors in their relevant jurisdictions. Any transaction described or contemplated in connection with this Material may be subject to legal and regulatory requirements applicable in multiple jurisdictions, including but not limited to those imposed by the British Virgin Islands Financial Services Commission, Cayman Islands Monetary Authority, Monetary Authority of Singapore, government entities in the United States of America, including, but not limited to, the Federal Reserve Bank, the Office of the Comptroller of the Currency, the Securities and Exchange Commission, and other agencies outside of the United States of America that exercise appropriate jurisdiction over certain businesses. The Recipient shall be solely responsible for complying with any and all such requirements (if applicable).

The Company reserves the right to withdraw or amend this Material without arranging any reason therefore and without any liability whatsoever.

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