Raffi Kayat is the co-founder of borderless, an international direct debit startup. We enable businesses to directly receive payments from anywhere for a fraction of the cost instead of accepting credit cards and bank wires. Raffi started borderless out of personal pain and frustration regarding cross-border payments. borderless is enabling seamless payments by leveraging cutting edge technologies. Prior to borderless, Raffi started another startup in the Music space called M-Tap. It enabled people to become their own radio stations where people can tap into each other and listen to the same songs. Raffi graduated from Penn State University with a Masters in Architectural Engineering and is also a licensed structural engineer.