Experienced teams make better products.


Anne Willem de Vries

Co-founder and CEO

Anne Willem (AW) de Vries combines a strong analytical mindset with a passion for delivering results.

After finalizing his degree in Applied Physics, he joined the Amsterdam office of Bain & Company. He moved on to work in Private Equity where he was responsible for portfolio companies in the Netherlands and Germany. He gained experience in cards payments at Adyen, where he was part of the cards acquiring team.

As Co-founder and CEO of Silverflow, Anne Willem is responsible for product and the overall commercial, financial and operational activities.


Paul Buying

Co-founder and CTO

Paul Buying combines in-depth technical expertise with entrepreneurial affinity and a strong focus on execution.

After finishing his masters in Artificial Intelligence, he started his career as a software engineer and team lead at Cambridge Technology Partners, SpringSource and Everett. He moved on to found LiveWords, a cloud translation platform which was acquired by Concorde Group, Europe’s largest translation agency.

As Co-founder of Silverflow and CTO, Paul is responsible for platform vision and architecture, hiring and managing the engineering team.



Robert Kraal

Co-founder and CBDO

Robert Kraal is one of the few people in the world with over 20 years of experience in online payments.

After completing his degree in Geophysics, he started his career at Bibit, the first global Payment Service Provider (PSP) which was acquired by RBS/Worldpay. At RBS/Worldpay he went on to lead account management, before moving on to Google Netherlands. He joined Adyen in 2010 in the role of COO, where he was responsible for building and running the global acquiring and processing service.

As Co-founder and Chief Business Development Officer of Silverflow, Robert is responsible for maintaining relationships with the card schemes, acquirers, PSPs and regulators.


Nigel Thacker


Nigel Thacker is another of the few people in the world with 20 years experience in online payments.

After completing an HND in Electronics and Telecommunications he went initially into IT and then spent some years in Telecomm.

In 2000 he moved into Payments as the second UK employee for Bibit, helping them become the best of breed PSP, bought by RBS in 2005. Since then he has worked across all aspects of the payments industry, BIN sponsorship, Transactional Fx, launching new payment methods and more recently managed the Enterprise sales team at Adyen.

As CCO of Silverflow, Nigel is responsible for the sales and go to market strategy, heading the commercial team across Europe and beyond as Silverflow expands its reach.


Joris Mudde


Joris has a broad background in finance and combines a result-driven approach with experience in building a centralized and highly automated business to global scale.

After completing his masters in Economics/Accounting and Control at the Vrije Universiteit Amsterdam he started his career in audit at KPMG and later worked at KPN's headquarters in Corporate Control.

In 2013 Joris joined Adyen as head of the Operational Finance and later Treasury, where he was responsible for the management of the global fund flows and treasury function, and was part of the core team involving the bank license in Europe and the IPO.

As CFO, Joris is responsible for the finance activities of Silverflow, as well as accounting, compliance and reporting of transactions processed over the platform.


Marc Broens

Card Scheme Manager

Marc studied Applied Physics and Petroleum Engineering at the TU Delft before joining a Venture Capital firm in Amsterdam as an analyst. During his time there he was introduced to the ecosystem of technology ventures and entrepreneurship which made him realize he wanted hands-on experience.

At Silverflow Marc is responsible for card scheme operations, information security and project management.



Mihail Chirosca

Software Engineer

The passion for challenges and programming is what drove Mihail to study Computer Science and Engineering at TU Delft.

Besides the regular software courses that were part of the curriculum, he did not hesitate to dive into different fields like Machine Learning and Multimedia Analysis. He did his bachelor's thesis on Neural networks in Speech recognition is proof of his determination and passion for software development. One of the most memorable lessons he learned  is: "A good programmer is a lazy programmer".

At Silverflow, Mihail is working on the core components of the platform. He sees this as a great opportunity to experience and contribute to the development of a modern cloud-native, microservice-based payments system. Btw he uses Debian!


Alexander Groot

Product Lead

Alexander has many years of experience in the payments domain implementing global payment connections and product propositions on both the acquiring and issuing side. He has a background in experimental physics and has obtained a PhD in the Quantum Mechanical behaviour of ultra-cold systems.

After his studies he worked as a technical consultant at UL Transaction Security advising large acquirers and issuers on existing and emerging payment technologies in multiple geographies. In 2016 he joined Adyen where he worked on acquiring and issuing. In the first role he was responsible for the global expansion of the acquiring solution in terms of both the acquiring footprint as well as the global product expansion before steering the acquiring roadmap as product lead. He was also involved from the start in setting up Adyen’s Issuing proposition, building the initial product and scheme connections in Europe and the U.S. while eventually building up and leading the product and operations team.

At Silverflow he is responsible for expanding and shaping the product proposition across different geographies, payment channels, schemes and product features adding values for merchant acquirers and large merchants.


Elif Derya Olgun

Senior Software Engineer

Elif has been building software solutions for 14 years. She is experienced in fin-tech, payment systems and customer loyalty domains with cloud-native architectures.  She is an agile enthusiast. After building tailor-made solutions for enterprise customers for 10 years, she decided to move from Istanbul to Amsterdam and she accepted the challenge to build SaaS products.

What I like the most about product development is that challenges are not only technical and managing trade-offs during the product design process is essential. I tackle this challenge by asking questions constantly. ‘Why?’ is my favourite.”.

As a Senior Software Engineer, she is responsible for delivering cloud-native solutions with a data-oriented mindset and contributing to the engineering processes for optimizing the team output.


Roberta Gismondi

Software Engineer

Roberta studied Computer Science and Engineering at TU Delft.

During her BSc she had the chance to follow her passion for programming and engineering and her experience as a researcher in the Software Engineering Research Group at Delft University of Technology enhanced her curiosity and her devotedness to innovation.

She sees the payment ecosystem as a constantly evolving and stimulating environment, and thus the perfect chance to engineer a system that is reliable and game-changing.


Justin Moor

Software Engineer

With a curious mind, a BSc in computer science and a deeply rooted passion for programming, Justin views the field of engineering as a craft; you just can’t know enough about it. He’s as familiar with low-level concepts like the 6502 microprocessor registers as with high-level concepts such as cloud-native microservices and scalability. At Silverflow, Justin is responsible for developing the core Silverflow platform.


René Mulder

Senior Software Engineer

René Mulder enjoys working in teams with a strong focus to challenge the status quo. He has a passion for technology, but love for people.

He started coding at the age of 12 under the guidance of his physics teacher. He ultimately ended up working in various roles as consultant, architect, product owner, team manager and sales engineer, but always keeping in touch with the contents. The recurring theme has always been IT security. He has worked in various sectors ranging from government to industry and finally fintech in the past 5 years.

As a Senior Software Engineer he is responsible for translating card scheme requirements into a high secure, high performance cloud native implementation.


Louis Tung

Senior Software Engineer

Louis studied computer science for BS and MS in National Taiwan University and has been working as a software engineer 5 years before he came to the Netherlands.

In the Netherlands, he joined DAZN, a streaming platform for sports fan. He has both frontend and backend development experience. But for now, he dives deeper in the backend world and is super passionate about the distributed system and microservice architecture.

He’s really excited about joining Silverflow and eager to build the new generation of the revolutional payment processor platform using the modern cloud native solutions.


Tjerk Stroband

Principal Software Engineer

Tjerk is an experienced Cloud Software Architect with a strong background in software development and a passion for security. His programming experience spans more than 28 years of which a solid 15 years in the FinTech sector as a Full Stack Developer and Software Architect.

Starting in the financial sector as a Software Developer he has worked in various other industries, before returning to the Fintech sector in 2010 as a Software Architect. Before joining Silverflow in 2021 he spent three years developing a secure and scalable cloud-native platform and several features of a 'serverless' retail bank.

As Principal Software Engineer, Tjerk is responsible for designing and help implement our secure and scalable service at a global scale using cloud-native technology, while maintaining a high degree of automation and ensuring the solution is provably compliant at all times.


Pim Veldhuisen

Software Engineer

Pim studied Electrical Engineering and Computer Engineering at the TU Delft, giving him a broad perspective on computer systems, ranging from the transistor level to system architecture and from differential equations to software engineering methodologies.

Working in payment certifications at UL in Leiden (Netherlands), brought him into contact with a wide range of players in the industry, where he was struck by the contrast between the established names and the new tech players in the way they operate and develop their payment systems. Seeing how the payments ecosystem is a very dynamic world with a unique combination of both ancient and cutting-edge elements, Pim is eager to tackle the challenges that occur when these systems meet and engineer a platform that bridges the gaps.


Jan Vrijenhoek

Principal Card Scheme Manager

With more than 15 years of experience in payments, Jan Vrijenhoek has a proven track record in the payment industry.

After various Sales and Account Management roles in the Travel Industry and IT, he started his payments career in 2004 at Bibit, the first global Payment Service Provider (PSP). When RBS/Worldpay acquired Bibit, he continued to manage Key Accounts whilst building out the Account Management team.

He joined Adyen in 2010 in the role of Card Scheme and Partnership manager, where he was responsible for maintaining relationships with payment method providers, acquiring banks and card networks. This went hand in hand with building and running the acquiring and processing services.

As Principal Card Scheme Manager at Silverflow, Jan is managing relations with card networks and driving projects to implement card scheme functionality in multiple regions.


Silverflow has received funding from London based Crane Venture Partners,
Amsterdam based Inkef Capital, Miami based Global PayTech Ventures and Angel Investors with prior operational experience from or as investor in companies like Pay.On, First Data, N26, and Adyen


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Chamber of Commerce: 75 70 56 80