Joachim Samuelsson is CEO and board member at publicly-listed Swedish deep tech company Crunchfish. Joachim is a tech pioneer and a serial entrepreneur with many patents in digital payments and mobile technology. He has a Master of Science degree from 1998 in Industrial Engineering and Management from Linköping University.

Crunchfish is a deep tech company developing a device-agnostic trusted client application platform for offline payments, tokenized card payments as well as other mobile client / server systems. Crunchfish has been listed on Nasdaq in Stockholm since 2016, with headquarters in Malmö and a subsidiary in India.

Offline Payments at Scale as Digital Money

This presentation reframes offline payments as a critical architectural choice rather than a backup feature, emphasizing how design decisions shape liquidity, risk, and governance when systems are disrupted. It introduces the BIG framework—Bankable, Implementable, and Governed—as a way to assess whether offline payment solutions can scale while preserving financial stability and institutional integrity. At its core, digital payments comes not from altering the system under stress, but from preserving it. This speech highlights governed offline architecture as the most effective path forward, enabling continuous payments while maintaining central authority, controlled risk, and alignment with regulatory frameworks