Nikhil Chandhok

CTO at Circle, leading engineering and product work for USDC, the Circle Payments Network, and the Arc Layer 1 initiative; experienced technology executive with prior roles at YouTube and Meta working on large-scale consumer and platform products.

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Dec 5, 2025 • 43min

Circle CTO: The Blueprint to Become the World’s Financial OS & How Investors Can Profit From It

Nikhil Chandhok, CTO at Circle, previously led engineering at YouTube and Meta. He discusses Circle's vision of creating a comprehensive global financial operating system through USDC. The conversation covers the evolution from a stablecoin issuer to a platform, addressing the inefficiencies in legacy payments and how programmable payments can enhance efficiency. Nikhil also explores the role of AI in payments and emphasizes the importance of multi-chain strategies and partnerships for the future of decentralized finance.

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