Open to full-time roles and freelance projects

Keith E. Williams.

I help finance teams and fintechs put new technology to work, from digital assets to AI.

I started at BlackRock in New York. After my MBA, I moved to Berlin and spent the next several years across fintech and crypto, from exchanges to on-chain finance, and founded a stablecoin payments venture. Now I'm building AI agents for finance work, with a few community projects on the side for fun.

DallasPhiladelphiaNew YorkChicagoBerlinMedellínTulsa

Tap a city

  • Wharton
  • UPenn
  • Chicago Booth
  • BlackRock
  • Binance
  • Founder, KW Global

New technology only matters when people can actually use it. That’s the part I work on.

Selected work

2025–2026
AI agent · Treasury analysis

Where should idle cash sit?

The problem
Finance teams and business owners park cash without comparing what they actually keep after tax and inflation.
What I did
Built an AI agent that pulls rate and inflation data, runs the financial model and writes a one-page memo, following rules I set for taxes, data gaps and real returns.
The result
A one-page memo for executives that compares every option side by side, recommends one and explains why. The surprise is that high-yield savings isn't so high. After taxes and inflation, even the best account loses buying power, and short-term government bills keep more. Not financial advice.
  • Agent design
  • Context engineering
  • Economic data

Try the math yourself

Change any number. Every rate is compared over one year, after tax and after inflation.

Where the cash sitsRateAfter taxEarned (1 yr)Real return

Rates as of October 2026 from the St. Louis Fed and CNBC Select (ongoing APYs, no promotions), with inflation from the September consumer price index. T-bills are exempt from state tax, and 21% is the corporate federal rate. Not financial advice.

Agent output · October 2026Open PDF →
The agent's one-page treasury memo, Where Should Idle Cash Sit?, recommending 3-month T-bills, with a top 10 high-yield savings table, a comparison table and two charts

A one-page memo, ready to send

Hold the $250,000 in 3-month T-bills, laddered in three tranches that mature one month apart, and keep about one month of expected spending in a high-yield savings account.

The memo also flags what to check first, including deposit conditions, withdrawal limits and FDIC cover above $250,000.

What I gave the agent

  • Federal tax only on T-bills; federal and state tax on bank interest.
  • Use months present in every data series; never fill a missing month.
  • Report real returns, not just rates, and give one recommendation.
  • A knowledge base of comparable banks and their current rates.
Strategy case study · Digital assets

Digital asset lending for a consumer bank

The problem
How could a large US consumer bank use a digital ledger to build a digital asset lending business?
What I did
Sized the market, compared digital asset lending models and scored six types of collateral on rules, demand, collateral held and stability.
The result
A recommendation to start with a tokenized home equity line of credit, the first product on a wider platform for lending against what customers already own.
  • Market sizing
  • Product strategy
  • Go-to-market
Strategy deck · 6 slidesOpen PDF →
Slide 1 of 6: Digital asset lending is a market of about $75 billion, with real-world assets driving growth

An independent case study I prepared using public sources. It was not produced for, reviewed or endorsed by any bank.

Stablecoins · Founder · 2025–2026

KW Global

The problem
Payments operators need working capital quickly, and paying people across borders is slow and costly.
What I did
Built a stablecoin liquidity tool with a co-founder, where liquidity providers deposited USDC to earn yield and operators drew on it as needed. Advised a US logistics company paying staff in emerging markets, and a remittance fintech on its Africa payout setup.
The result
We launched a live pilot with a customer. The liquidity tool is now sunsetted, with all liquidity provider capital returned and no losses. We learned the model needs far more volume and heavier operations than we expected.
  • Partnerships
  • Client relationships
  • Emerging markets
Advisory site and liquidity appkwglobal.xyz →
The KW Global app, with two choices, Provide Liquidity by depositing USDC to earn yield, or Access Liquidity through the Liquidity Hub

Work with me

Freelance and full-time
For finance teams, fintechs and AI companies

Finance workflows for AI

I map how finance work actually gets done, then either document it so AI can learn it or build an agent that does it.

Start a conversation
  • Workflow design and documentation for AI training and evaluation
  • Agents for recurring reports, memos and analysis
  • Rules and checks that make AI output trustworthy
For founders, fintechs and investors

Strategy research, answered

Send me a strategic question about fintech, digital assets or AI in finance. You get a researched answer with a clear recommendation, in the format you need.

Ask a question
  • Market sizing and competitor maps
  • Product and go-to-market recommendations
  • Judgment on which questions matter, backed by data you can verify
For full-time roles
  • Partnerships
  • Go-to-market
  • Product strategy
  • Client relationships
Get in touch →

Community project

Bastrop, Louisiana
Community website · Live since 2026

71220.org

The problem
Bastrop, a historic town in northeast Louisiana, wants to attract more visitors, newcomers and businesses.
What I did
Designed, wrote and built a visitor and relocation site with a weekend plan, drive times, places to stay, events and a business section, with every fact checked against a source.
The result
Live since October 2026 and shared through a local Facebook group with about one member for every six Bastrop residents.
  • Design and build
  • Copy and research
  • Affiliate revenue
Live site71220.org →
The 71220.org homepage, with the headline Try Bastrop for a weekend, Stay for life, beside a photo of cypress trees at Chemin-A-Haut State Park

Also me

Outside the day job
Cover of Rosie and Her Robot, showing a smiling girl and a friendly purple robot
Children's book · 2025

Rosie and Her Robot

A rhyming picture book that introduces AI to children ages 3 to 7. Proof that big ideas can be explained simply.

See it on Amazon →
Orange Durag International logo, an orange durag over a globe, with BER, NYC and MDE
Music curation

Orange Durag International

Sounds without borders. Alternative R&B, Afro Pop, French Pop and Latin music, curated from Berlin, New York and Medellín.

Listen on Spotify →

AI Training

Credentials

Keith E. Williams

Let's talk.

I'm open to full-time roles in fintech, digital assets and AI, in the US or Europe, remote or with relocation, as well as freelance projects. Tell me what you're working on.

CV or resume available on request.

Email keith@kwglobal.xyz LinkedIn linkedin.com/in/kweb3

“Don’t chase butterflies. Build a beautiful garden and the butterflies will come.”

Something I learned in Germany