Pawel Brataniec is the chief architect of Fluency unique blockchain technology. He has extensive engineering experience building financial systems & security at Tier-1 banks, including HSBC & UBS. The result of his and Fluency's development team is our novel 4.0 Blockchain platform specifically designed for CBDCs with offline payments, programmability, privacy protocol and interoperability with existing financial systems inc. DeFi and Cefi