# Apo

> Apo (Mohamed Afzal Amir): engineering leader, product engineer and 2x founder. 14 years building products people use every day. Forbes 30 Under 30 Asia 2020.

On https://apo.mv/ the name shown is "Apo"; the full name is Mohamed Afzal Amir.

- Website: https://apo.mv/
- Book a call: https://calendly.com/apomv
- X: https://x.com/afxal
- LinkedIn: https://www.linkedin.com/in/apoxal
- GitHub: https://github.com/afxal

## At a glance

- 2x founder. 14 years building products people use every day.
- Payments at $100M+ a year
- Products for 250,000+ users
- Forbes 30 Under 30 Asia, Enterprise Technology (2020)
- Works across: Engineering leadership, Product engineering, Payments, Subscription billing, Passkeys, WebAuthn, Self-custodial wallets, AI agents, x402, Model Context Protocol, TypeScript, React, React Native, Node.js, Cloudflare, AWS

## Questions and answers

### What does Apo do?

Apo is an engineering leader who still ships code. 14 years building products people use every day, across payments, mobility and consumer apps, with a soft spot for passkeys and AI agents that pay their own way.

### What does Apo build for AI agents?

When an AI agent hits a paid API that answers HTTP 402, it pays from its own wallet and retries. No API keys, no invoices. Apo has built the plumbing: x402, MCP servers, passkey wallets.

### What has Apo built?

A payments platform that moved $100M+ a year, peer-to-peer car sharing across two countries, a coffee platform built from scratch, and a football app used by 150,000 fans.

### What payments work has Apo led?

Mindvalley: 9 engineers, $100M+ a year, 100+ countries. A custom checkout lifted revenue 30%. Moving off the legacy system cut failed transactions from 18% to 6%.

### What was TREVO?

TREVO, SOCAR's peer-to-peer car sharing. Concept to live in under 6 months, then Malaysia and Indonesia. Apo also drove the move to 8 microservices on a platform of 250,000 users.

### What was RAGE Coffee?

RAGE Coffee, Kuala Lumpur. Apo co-founded it and built all of it: backend, Android and iOS apps, 12 outlets on one platform. A first in Malaysia.

### What did Apo build for Ooredoo Maldives?

A real-time Euro 2024 score-prediction app for Ooredoo Maldives. 150,000 users during the tournament. NestJS, React and Astro.

### Which companies has Apo founded?

Twice, both times as co-founder and CTO: RAGE Coffee in Kuala Lumpur, and Oviato, passkey wallets for Bitcoin and beyond, backed by Draper Associates.

### What is Oviato?

Self-custody wallets that take under 20 seconds to set up: a passkey signs, the wallet exists. No seed phrases, no browser extensions. Like Apple Pay, but for wallets. Backed by Draper Associates.

### How does Apo lead engineering teams?

Small senior teams, short feedback loops, everyone owns the outcome. Up to 16 engineers across 3 teams. Hired 5, sponsored 3 promotions.

### Is Apo a manager or an engineer?

Both, on purpose. Apo moves between leading teams and writing the code, and has built whole products end to end: backend, iOS and Android.

### What is Apo's tech stack?

TypeScript everywhere. React, React Native, Next and Astro up front; Node, NestJS and Hono behind; Postgres, Redis, AWS and Cloudflare underneath.

### Where did Apo's career start?

The Maldives, 2011. News platforms for the country's biggest media outlets, built and run under heavy traffic. Apo has since advised the Maldives Independent too.

### What recognition has Apo received?

Forbes 30 Under 30 Asia, Enterprise Technology, 2020.

## Contact

The best way to reach Apo is to book a call: https://calendly.com/apomv