Stefan Eduard-Ionut

Photon AI, Inc. is the first AI-powered consumer credit scoring platform built for the global On-Chain Digital Asset Ecosystem and Economy, bridging legacy credit infrastructure (Web2) with blockchain-based finance (Web3), generating the proprietary Photon Digital Credit Score as a replacement for traditional global consumer credit scoring, such as FICO. Photon is unlocking over $1 trillion in purchasing power for the 2.6 billion Gen Z, plus Millennial and Gen X consumers, integrating digital assets into their financial lives.

Co-founded and scaled AI-powered self-custodial Web3 wallet to 100K+ wallets across 50+ countries. Secured 25+ partnerships (P2P.org, Chainlink, BNB Chain, Kima Network, Cyberscope) expanding reach to 10M+ users. We solve core pain points in crypto: fragmented wallets, poor UX, low engagement, and security risks. iLuminary delivers: - ARY AI Assistant (evolved from BREG) for real-time market insights, portfolio optimization, predictive analytics, personalized guidance, voice commands, and natural language interactions to simplify Web3 navigation. - Intuitive, simple UX/UI with seamless buy/sell/swap/stake in just a few taps, clutter-free design, effortless portfolio management across chains, and frictionless on-chain actions. - Degen Mode for advanced, high-speed users seeking rapid execution and power features without unnecessary complexity. - Staking directly in-wallet - Gamified ecosystem with daily missions, quests, leaderboards - Multi-chain support - 10,000+ tokens, Chainlink CCIP native for seamless cross-chain transfers, fully non-custodial. anti-drainer protection, multi-layer authentication, real-time AI security monitoring, and top-tier audits (e.g., Cyberscope 84% score, top 10% ranking, no critical issues). - and more ...

Co-founded and lead a full-service software development delivering secure custom solutions to global clients. Drive end-to-end project execution, client success, and scalable digital products, building robust tech foundations that power current AI-blockchain venture Operates as an ISO 27001 compliant organization and official Bitdefender partner, embedding enterprise-grade cybersecurity, data protection, and security-by-design across all projects and client deliverables. Active member of Sibiu IT Cluster and Transilvania IT Cluster, actively contributing to Romania’s top IT ecosystems for collaboration and innovation.

Co-manage a full-service advisory firm providing integrated financial, fiscal, legal, HR, management consulting, financing, and intellectual property solutions to Romanian and international businesses, including multinational corporations and high-growth enterprises(1B+EUR annual revenue). Advise clients on strategic business development, financial structuring, compliance, and operational scaling, preparing companies for investment, expansion, and sustainable growth in competitive markets. Direct audit and accountancy services via Evfiam Audit & Bookkeeping for multinational and high-growth clients, ensuring IFRS-compliant reporting, tax optimization, and robust financial governance that meets global standards and investor due diligence. Leverage deep expertise in cross-functional advisory to inform current fintech and Web3 ventures, bridging traditional finance with emerging technologies for scalable, investable models.

Served as key executive for the Romanian arm of Heininger Stoll Ro, the official representative of Stoll, a world-renowned German brand with 140+ years of leadership in high-precision flat knitting machines, innovative fashion & technology solutions, and legendary reputation for quality, flexibility, and cutting-edge textile machinery. Managed full project lifecycles, achieved revenue targets, and built strong client relationships with manufacturers and enterprises in the textile sector. Delivered strategic advisory on productivity, process optimization, and operational challenges to drive client performance and business goals. Contributed to a top-performing firm: Heininger Stoll Ro reached €1M+ annual turnover and earned multiple awards as a leading brand representative in Romania.