Sofie is CEO of hivenonline, the first DeFi targeting African smallholder farmers, overcoming the digital divide by leveraging social structures. Banking transformation veteran, DLT prizewinner and economist Sofie built multiple core banking and payments systems for 8 international banks in 60 countries, and led whole business transformations, before founding hiveonline. She chairs the Edinburgh Futures Institute’s FI and Fintech Industry Advisory Board, is author of Fintech Revolution: Universal Inclusion in the New Financial Ecosystem and advises the UN, Central Banks, NGOS and others on blockchain for impact and sustainability, DLT policy and economic impacts of emerging technology.