Founder @zardotapp (a16z, Coinbase). Accelerating stablecoin adoption for people living in countries with unstable money | Founded @SadaPaypk (Acquired)
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Joined May 2009
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Team cooked. 🔥 We built ZAR’s brand to feel rock solid, and our motion design reinforces that in every part of the app.
Nothing floats or bounces. Every element moves and locks into place like it has weight. Everything lands with intent.
When your currency loses value every month, the thing holding your dollars should feel rock solid.
We wondered if handing over stablecoins could feel as elegant as handing over cash.
It now happens ~4,000 times per week on ZAR.
Type the amount, digital cash appears on screen, receiver scans to claim it.
The merchant never needed to know your account number.
Scaling @sadapaypk to millions of users in Pakistan taught me that trust is physical.
30M+ corner shops across emerging markets move $500B+ a year in cash. Remittances, bills, top-ups.
People already trust these shops with their money.
We're turning them into the place to get digital dollars, and the start of onchain commerce across the global south.
Brandon Timinsky retweeted
Tell me how often you're typing the following prompt into Claude Code and I'll tell you how far along you are in your AI adoption
> How's it going?
Brandon Timinsky retweeted
Twenty-six years later, coding agents have broken most of eXtreme Programming's assumptions, but not its best ideas. So I rewrote XP for the age of agents.
We teamed up with @VeryAI over the summer and have used their palm biometrics to verify hundreds of thousands of ZAR wallets. Killer partnership by @itszach @sternhenri @segall_max @privy_io. Hope to see users eventually able to use their palm across all Privy supported apps.
📣 @privy_io developers can now use VeryAI's palm biometrics with their embedded wallets.
VeryAI is available as a Custom OAuth 2.0 provider, giving apps a new way to confirm that their wallets are being opened by real people, not bot farms or multi-account fraud rings.
The integration is four steps that can be completed in about 10 minutes. Here's how to get started: very.org/blog/privy-palm-ver…
Brandon Timinsky retweeted
Some things never lose their shine. solana:GoLDppdjB1vDTPSGxyMJFqdnj134yH6Prg9eqsGDiw6A now available in ZAR. 🟡
LBMA and UAE GD-certified gold, insured and independently verified by RSM.
Powered by @orogoldapp
Brandon Timinsky retweeted
ZAR has raised $12.9 million to bring ROCK. SOLID. DOLLARS. to the Global South 💵🌍
Led by @a16zcrypto, with @dragonflyvc, @vaneck_us, @cbVentures, and Endeavor Catalyst.
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Brandon Timinsky retweeted
Pumped to share that I’ve joined @zardotapp full-time as CTO.
Over the last couple months of consulting I’ve gotten a close look at the team, the ambition, and the mission and it’s the rare kind of opportunity that makes you willing to uproot a great life. Soon I’ll be relocating from Mexico City to Amsterdam to be co-located with the team in person.
My focus will be building the engineering org and the technical foundation: architecture, infrastructure, security, delivery, and developer productivity—working in tight partnership with ZAR's awesome founders Brandon Timinsky and Sebastian Scholl.
We’re building ZAR to be AI-native by default: agentic workflows, automated context capture, and shared organizational knowlege bases so a small team can ship with exceptional velocity and quality.
ZAR runs on a modern Ruby on Rails stack and Solana. I plan to hire a handful of very experienced senior engineers who are high-agency, systems-minded, and excited to operate with real ownership—people who want to design, build, and run critical infrastructure rather than just implement tickets. If that sounds like you, I’d love to talk.
#ZAR #Fintech #Crypto #Stablecoins #Payments #RubyOnRails #Solana #EngineeringLeadership #AI #Agents #Amsterdam
Brandon Timinsky retweeted
A short reflection on forecasting, self-fulfilling prophecies, and the role we play in shaping what comes next.
medium.com/p/the-future-is-i…
Brandon Timinsky retweeted
Bloomberg @business Exclusive:
Andreessen Horowitz Backs Startup Exploring Stablecoins in Pakistan
bloomberg.com/news/articles/…
Brandon Timinsky retweeted
Investing in ZAR
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In many parts of the world, money doesn’t work the way it should.
I saw this firsthand during my time traveling through Zimbabwe in 2013, and it’s actually how I first got into crypto. Inflation eats away at savings. Banks remain out of reach. Currencies lose value overnight. Yet people still need to save, send, and spend and they deserve tools they can rely on.
My conviction from 12 years ago that crypto can solve these issues remains. Specifically, we believe crypto and stablecoins can offer that reliability, building open, borderless systems that make financial access possible for anyone with a phone.
That’s why @liz_harkavy and I are proud to announce that we're leading a $12.9M funding round for @zardotapp, a platform bringing digital dollars to cash economies across emerging markets.
ZAR is building a new financial layer that bridges the gap between local cash and digital currency.
By partnering with neighborhood merchants, ZAR lets anyone convert physical cash into stablecoins and back again through a simple, familiar experience. Its decentralized infrastructure aligns the people who grow the network (from merchants to community partners), creating a transparent, incentive-driven system for expanding global financial access.
This architecture scales trust. Merchants earn more than traditional money services, ambassadors build their own networks, and fraud is mitigated through smart contracts and cryptographic verification. It’s a bottom-up system designed for the realities of high-friction, high-inflation markets.
Founded by @tmnsky (previously built Pakistan’s leading neobank, @sadapaypk) and @sebscholl, ZAR is launching first in Pakistan, with expansion plans across Africa and Latin America.
We believe ZAR can become a cornerstone for stablecoin adoption, helping people everywhere store, move, and build with money that holds its value.
Excited to support Brandon, Sebastian, and the ZAR team as they bring digital dollars on-chain to the world.
Brandon Timinsky retweeted
Congrats to ZAR on raising a new round led by a16z!
ZAR is building a merchant network for the global south (starting in Pakistan) to get access to stablecoin-based payments, remittances, and cards. So much about payments in the old world is broken, and ZAR uses crypto rails to directly improve the financial plumbing in these places.
Super proud to be partnered with them.
ZAR has raised $12.9 million to bring ROCK. SOLID. DOLLARS. to the Global South 💵🌍
Led by @a16zcrypto, with @dragonflyvc, @vaneck_us, @cbVentures, and Endeavor Catalyst.
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Brandon Timinsky retweeted
Excited to continue backing @zardotapp as they bring digital dollars to the global south.
Cash is still king for billions of people, and now with ZAR, you can easily swap cash for stables (and vice versa) by simply scanning a QR code.
Over 200k people have signed up across 100+ countries to get access to ROCK. SOLID. DOLLARS.
Congrats to @tmnsky @sebscholl and the entire ZAR team.
ZAR has raised $12.9 million to bring ROCK. SOLID. DOLLARS. to the Global South 💵🌍
Led by @a16zcrypto, with @dragonflyvc, @vaneck_us, @cbVentures, and Endeavor Catalyst.
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Brandon Timinsky retweeted
Absolutely stoked to be doubling down and continuing to back @tmnsky, @sebscholl and the whole ZAR team. The opportunity to bring global USD and financial product access to emerging market cash and shadow economies is the largest in all of consumer fintech, and ZAR will be at the forefront of this revolution.
Having previously built and sold Sadapay, the largest challenger bank in Pakistan, they are uniquely qualified to build a next generation global cash agent network, to bring it on chain, and to drive dollarization across the global south. This just the beginning.
ZAR has raised $12.9 million to bring ROCK. SOLID. DOLLARS. to the Global South 💵🌍
Led by @a16zcrypto, with @dragonflyvc, @vaneck_us, @cbVentures, and Endeavor Catalyst.
🧵👇
Brandon Timinsky retweeted
Read @FortuneMagazine Exclusive: Stablecoin company Zar raises $7 million in round led by Dragonfly Capital, Andreessen Horowitz and VanEck Ventures
fortune.com/crypto/2025/04/3…
Brandon Timinsky retweeted
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As our waitlist nears 100K signups + 7K agents across 20 countries, we're excited to finally announce the $7M investment we closed earlier this year with @dragonflyvc, @vaneck_us, @a16zcrypto CSX & @cbVentures, among other major investors.
More below!! 👇
