About Us

DeFa by InvoiceMate is onchain Liquidity-as-a-Service infrastructure for real-world finance.
We connect institutional Liquidity Providers with verified receivables and working capital demand, helping businesses and payment service providers with access to liquidity more efficiently while enabling asset-backed yield through transparent onchain rails.

Meet Our Amazing Team

Muhammad
Salman

Founder & CEO

Muhammad Salman Anjum is the Founder & CEO of DeFa by InvoiceMate and a globally ranked blockchain and fintech executive with 25+ years in enterprise consulting and digital transformation. He built the world’s first blockchain and AI-backed invoice-financing infrastructure, earning Deloitte Rising Star (2×) and Future 100 recognition.

Muhammad
Ibrahim

Co-Founder & COO

Muhammad Ibrahim Salman is Co-Founder & COO of DeFa by InvoiceMate, driving growth across the UAE and Pakistan. With 5+ years in digital operations, he leads partnerships and government engagement, including collaborations with MOHRE and Al Gahf Group.

Zahed
Mushtaq

CTO

Zahid is DeFa's Head of Product Delivery, with 25+ years in enterprise tech and financial systems. He previously led delivery at NetSol Technologies for institutional credit and leasing platforms, gaining deep credit-risk expertise. At DeFa, he drives automation and AI-driven decisioning into a scalable risk framework.

Muhammad Zeeshan
Abid

Finance & Risk

Muhammad Zeeshan Abid leads Finance and Risk at DeFa by InvoiceMate, building our credit scoring models, risk parameters, standard operating procedures, and the overall risk framework. Previously, he developed SME lending products with leading banks across MENA and South Asia, streamlining credit workflows and underwriting.

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Renat
Khasanshyn

Fractional & CTO

With extensive experience in blockchain infrastructure and as the founder of Protofire, a leading web3 development studio, Renat supports DeFa by InvoiceMate on building smart contract architecture, protocol security and infrastructure scaling.

Azhar
Mahmood

CFO

Azhar Mahmood, CFO, steers InvoiceMate’s finances with 23+ years across corporate finance, planning, compliance, and transformation. He blends Interloop-grade rigor with fintech speed, tight controls, clear forecasts, and cross-border readiness—so growth stays disciplined and decisive.

Faraz
Wadhwania

Partnerships & Strategic Initiatives

Faraz Wadhwania leads Partnerships & Strategic Initiatives at DeFa by InvoiceMate. A former founder, he brings hands-on experience in startup investments, fundraising, and investor relations, building strategic partnerships and supporting early-stage growth.

Safi
Ghauri

General Counsel

Safi Ghauri helps DeFa by InvoiceMate scale across borders. Drawing on 18+ years in corporate law and emerging-market regulation, he leads licensing, compliance roadmaps, token and smart-contract design, and governance, so growth stays fast and transparent.