Rayan is an international and financial lawyer by training, holding a Masters degree from the University of Pantheon-Sorbonne Paris 1, he spent some time at the International Chamber of Commerce learning about Incoterms, arbitration and counterparty risk in derivatives markets. Regularly speaking to regulators, financial industry and business leaders about the pressing need to re-invent operating procedures and business practises as a result of the connected economy, Rayan also encourages them to sometimes park policies and procedures and think outside the box to develop new strategic initiatives in line with new technologies. Rayan always has an eye on new trends that could determine the future of the financial industry and has been following the rise of distributed ledger technology. From 2015 he has been advising exchanges built for cryptographic tokens and start-ups building blockchain-based protocols or decentralised applications for the peer-to-peer economy. Since September 2017 he has been dedicated to the development of Meritt protocol to enable communities, individuals and SMEs to design, issue and distribute their own smart token.