He develops digital solutions that are transforming access to financial and real estate services for international communities. His approach focuses on connectivity and the efficiency of cross-border systems.

Khalid Ashmawy (photo) is an Egyptian entrepreneur and computer scientist who founded Munify, an innovative cross-border neobank primarily serving the Egyptian diaspora.

Founded in January 2025, Munify offers a comprehensive digital banking solution accessible from the United States and the Middle East. The platform's proprietary infrastructure directly connects international banking systems, allowing users to send real-time, low-cost funds.

Customers can open a U.S. dollar account in minutes, get a virtual debit card, and protect their savings from the volatility of the Egyptian pound—a valuable feature given the country's unstable economic climate.

Munify's mission is to "simplify and improve financial services for businesses by providing secure, innovative, and scalable solutions that drive growth and efficiency." In September 2025, the neobank raised $3 million with support from Y Combinator, BYLD, and Digital Currency Group.

Ashmawy is also a co-founder of Huspy, a company he started in 2019. Huspy has developed a "super app" for the real estate market, which allows users to buy, sell, finance, or rent homes in Europe and the Middle East.

He earned a bachelor's degree in computer science from the German University in Cairo in 2010 and a master's degree in computer science from the University of Stuttgart in Germany in 2011. He began his career in 2012 as a software engineer at Microsoft in the U.S. before working as a technical lead at Uber from 2016 to 2019.

Melchior Koba