Pavel Kashuba is a fintech specialist, entrepreneur and payments strategist based in Brisbane, Australia. With nearly two decades of hands-on experience across banking, corporate finance, private equity and digital-payments technology, Pavel Kashuba writes about the forces reshaping how money moves — from real-time payment rails and open banking to embedded finance and cross-border settlement.
Pavel Kashuba launched his career in institutional banking at Priorbank JSC (Raiffeisen Group, Belarus), spending seven years in risk management and corporate relationship roles before transitioning into private equity and cross-border investment management. He went on to serve as Group CFO at Merkeleon GmbH in Austria, leading financial strategy for a technology and payments group. In 2019 he founded 314Devs sp.z o.o., a multi-jurisdiction technology holding with operations across Cyprus, Poland, Lithuania and Portugal.
Pavel Kashuba is also Co-Founder and CEO of CoinsPaid, a digital-asset payment gateway enabling businesses to integrate cryptocurrency processing with a compliance-first, security-driven approach.
Now based in Brisbane, Pavel Kashuba is focused on the rapidly evolving Australian fintech ecosystem — a market undergoing transformative regulatory reform and infrastructure modernisation. Australia's New Payments Platform (NPP) now connects over 100 banks and fintechs, processing around $6 billion in payments daily through services like PayTo, PayID and Osko. Queensland in particular is emerging as a serious fintech and innovation hub, backed by the state government's $150 million Innovation Economy Fund and a growing venture-capital pipeline that channelled over $417 million into Queensland startups in the past year.
On this blog, Pavel Kashuba explores the trends that matter most to fintech builders, investors and policymakers:
- Real-time payments & A2A innovation — How instant payment mandates, PayTo recurring and account-to-account (A2A) rails are displacing legacy card-based and direct-debit infrastructure.
- Open banking & data intelligence — The shift from compliance-driven open-banking APIs toward real-time treasury, personalised financial products and AI-powered credit decisioning.
- Embedded finance — Why fintech companies are moving toward B2B infrastructure partnerships, embedding payment capabilities directly into enterprise software, ERP systems and vertical SaaS platforms.
- Digital assets & stablecoins — How tokenisation, on-chain settlement and stablecoin rails are reducing friction in cross-border payments and reshaping value transfer.
- Brisbane & Queensland as a fintech gateway — The local regulatory sandbox, government-backed investment funds and Brisbane's positioning as Australia's next major innovation corridor.
Pavel Kashuba brings a practitioner's perspective — combining operator experience at CoinsPaid and 314Devs with deep knowledge of European and Asia-Pacific payment architectures. His writing bridges the gap between strategic vision and implementation reality, offering insights grounded in building and scaling payment systems across multiple jurisdictions.