Complete Finance


UNION is a Complete Ecosystem, Built for DeFi

Decentralized Finance is forging a new industry, but that infrastructure is still being built. Today, DeFi is expensive and incohesive with dozens of governance tokens, dozens of liquidity pools, and many steps required to develop yield farming strategies. Every single smart contract, every single step is an attack vector. The failure of one application leads to the failure of another.  DeFi needs one shared ecosystem, with low fees, one governance token, built with each and every application in mind.

What is UNION?

UNION is a complete ecosystem
of products and modules
specifically designed for DeFi
and tailored to scale.

Gas prices are too high.
We address the problem of high gas
costs by commoditizing demand for
complicated functions,
providing lower collateral coverage, and
reducing transaction urgency for gas.

To ensure trust, UNION
integrates an insurance
protocol to provide specific insurance
in addition to contract
coverage for the entire
state channel.

Founders and Advisors

Michael Beck

Michael is a business strategist and technologist with over 20 years of experience in the areas of health care, finance, and wealth management. Prior to UNION, he served as the founder of dxDigital, a decentralized protocol for enhancing privacy and data entitlement management, and principal consultant at EX Consulting, a technology consulting firm that collaborates broadly to develop strategic insights and technology focused solutions for investors and small businesses seeking to understand, communicate, and deliver on sophisticated information processing and delivery platforms.

In finance, Michael most recently serv ed as the CTO of a wealth management firm that returned 46% over the three years of his tenure using technologies and platforms he designed and supported. He also served as an AVP at a prominent capital management company, during which time he performed software architecture and development related functions for hedge fund having ~$14bn+ AUM. Prior to this work, he was a technical lead and architecture consultant at a major Wall Street investment firm.

Michael has a BA in Economics-Political Science from Columbia College of Columbia University in the City of New York and an MBA from Columbia Business School, with additional coursework taken at Stanford University and the Courant Institute at New York University.

Jarrod Perry

Jarrod has served as a corporate attorney advising closely held businesses for nearly 10 years. He has extensive experience with start-ups and early stage companies. Jarrod specializes in structuring corporate acquisitions and collateralized debt. For the past two years Jarrod has served as General Counsel to a New York based block chain development company where he oversaw corporate governance and compliance obligations.

Jarrod received his Bachelor of Arts from Columbia University and his Juris Doctorate, Cum Laude from New York Law School. Jarrod is an admitted attorney in New York, the United States District Court, S.D.N.Y., and the United States Supreme Court.

John Liu

Chief Product Officer

John is a Product and Strategy executive with 19 years of deep Wall Street experience: 10 years leading product organizations in rapidly evolving environments and 9 years taking risk as multi-asset credit portfolio manager and specialist overseeing over $1bln of assets at institutional hedge funds.

Over the last 3 years, John applied his financial acument in the areas of blockchain, holding executive roles at Fusion, a cross-chain protocol, and WeDeFi, a mass-adoption wallet merging the best of CeFi and DeFi. He serves as advisor to various blockchain-related statups.

Prior to this, John was co-founder of ONEaccess, which was purchased by Visible Alpha, a startup backed by a consortium of bulge bracket banks including Goldman Sachs, Morgan Stanley, and Bank of America. There he served as Head of Enterprise Products for the leading buy-side institutions.

John received his Masters, Summa Cum Laude, in Water Resourrces Engineering from University of Michigan, Ann Arbor.

Dr. Michael Zargham

Technical Advisor

Dr. Zargham holds a PhD in systems engineering from the University of Pennsylvania where he studied optimization and control of decentralized networks.

His earliest work on peer-to-peer effects in business decision making was developing algorithms to reverse engineer the word of mouth effect in enterprise software licensing decisions in 2005. In the intervening years, Dr. Zargham has designed data driven decision systems and built a data science team for a Media Technology firm. He has also worked on the mathematical specifications of blockchain enabled software systems with a focus on observability and controllability of the information state of the networks.

Most recently, he founded Block Science, Inc., an engineering, research, and analytics firm focused on design and analysis of complex networks.

Toby Lewis


Toby Lewis has 12 years of analyst experience from the worlds of institutional finance, venture capital, blockchain and crypto. Lewis began his career at Dow Jones and the Wall Street Journal, before co-founding a well known analyst firm of corporate venture capital Global Corporate Venturing. He went on to set up Union partner Novum Insights, an analyst firm of blockchain, crypto and other frontier technologies in 2016.