Richard Mico is the U.S. CEO and Chief Legal Officer of Banxa, a payment-and-compliance infrastructure provider to the global crypto industry. Prior to his role with Banxa, Richard worked with Lloyds Banking Group and Western Union Business Solutions. Throughout his career, Richard has helped to launch numerous products, including Ireland’s first buy now, pay later product and the world’s first buy now, pay later product on an open-looped digital card.