Michael Zochowski is Head of DeFi at Ripple's Xpring. Technologist working to deliver faster, cheaper, and safer payments on a global scale. Firm believer in the disruptive potential of distributed ledgers and a decentralized, open source, and trustless future. Formerly developed and managed quantitative strategies across a variety of asset classes. Joint M.S./B.A. in Applied Mathematics and Statistics from Harvard University. Michael has been captivated by DLT technology and crypto investing since 2013. Before creating Logos, Michael worked at Ellington Management Group, a multi-billion dollar hedge fund, on quantitative strategy portfolio management. Michael completed a joint B.A. in Statistics and M.S. in Applied Mathematics in 4 years from Harvard University, where he was a multi-year John Harvard Scholar.