Vitali G.
Senior Product Manager Crypto Cards On-off Ramp @EMCD
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WORK HISTORY
Senior Product Manager Crypto Cards On-off Ramp @EMCD
Munich, DE
At EMCD, I lead the Crypto Cards product domain — building a card program that connects custodial crypto balances to everyday spending via Mastercard rails.I own the product end-to-end: market selection, partner/issuer setup, payment architecture, compliance constraints, unit economics, and delivery — turning complex fintech mechanics into a scalable, reliable user experience across EU, LATAM, and US.What I do in practice-Build and scale card programs with issuer/BIN sponsorship models, scheme constraints, and partner governance-Design the money movement stack: auth → clearing → settlement → reconciliation, including disputes/chargebacks fundamentals-Define settlement architecture: pooled liquidity layers (settlement pool / reserve), turnover coverage, and operational controls-Embed on/off-ramp layers inside cards: funding, conversion, pricing/spreads, liquidity buffers, SLA & failure handling-Own compliance-driven product rules: restricted countries, MCC/limits, KYC/KYB boundaries, geo logic per market-Drive unit economics optimization: interchange/FX/take rate, and partner cost models (integration fee, security deposit/collateral, minimum monthly commitment)-Own adoption and risk KPIs: activation→first spend, MAU cards, volume/card, revenue/user, decline rate, and anti-blocking UX (e.g, 3-decline block prevention)My focus is making crypto cards work like real payments — dependable, compliant, and economically scalable
EDUCATION
Higher School of Economics
Master's degree, Information and Computer Engineering
ABOUT VITALI G.
Senior Product Manager specializing in crypto cards, payments, and money movement within regulated fintech environments.I build and scale end-to-end card products — from issuer & BIN sponsorship models to settlement, liquidity, risk controls, and user experience. I own the full product lifecycle: strategy, roadmap, delivery, partner integrations, and go-to-market — with a strong focus on unit economics, compliance, and operational scalability
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