【WikiEXPO Global Expert Interviews】Ashish Kumar Singh: Building a Responsible and Interoperable Web3

As WikiEXPO Dubai concludes successfully, we had the pleasure of interviewingAshish Kumar Singh, CEO of Loyyal, he has been a Web3 pioneer in MENA since 2013, associated with blockchain success stories from 2017. As the CEO of Loyyal, he innovates loyalty with patented blockchain & AI infrastructure. Ashish has played key roles in local to national web3 projects across MENA for entities such as Smart Dubai Government, Saudi Aramco, Dubai Police, Etisalat and BENEFIT Bahrain. Known for his thought leadership, Ashish has been featured in key speeches, panels, and interviews at prominent Web3 events and forums such as WEF. He has also educated the region on web3 beyond private blockchain. As Loyyal gains global traction, Ashish remains committed to tokenizing the loyalty & SME market with the Loyyal Suite and a comprehensive web3 & AI roadmap, solidifying his position as a visionary leader in the MENA blockchain landscape.

Part 1: Decentralization and Real Ecosystems

1. Youve been part of the Web3 movement in MENA since its early stages. What initially drew you to blockchain technology, and how has your vision evolved since 2013?

AKS: What drew me to blockchain back in 2013 was its potential to redefine trust and transparency in value exchange. Coming from a background focused on digital transformation and innovation, I saw blockchain not just as a technology, but as an infrastructure to democratize access to rewards, payments, and identity.

Over the years, my vision has evolved from simply exploring decentralized systems to building real, interoperable ecosystems that connect businesses and consumers through shared value. Today, with Loyyal, were applying blockchain and AI to make loyalty and rewards borderless, liquid, and intelligent — bringing the original promise of Web3 closer to everyday users and small businesses.

2. Through Loyyal, youve redefined loyalty using blockchain and AI. How do you see these technologies reshaping customer engagement across industries?

AKS: Blockchain and AI together are transforming customer engagement from transactional to truly intelligent and interconnected. At Loyyal, were using blockchain to make rewards interoperable and liquid — allowing customers to earn and redeem value seamlessly across brands, ecosystems, and even geographies. AI adds another layer by enabling personalized, real-time engagement. It helps brands understand intent, predict behavior, and deliver the right reward or offer at the right moment — without additional complexity. LLM (large language models) empower our platform to educate & enable SMEs use products with zero knowledge or upfront investments.

Across industries, this convergence will shift loyalty from isolated points programs to dynamic, value-driven relationships — where every interaction becomes meaningful, measurable, and mutually rewarding.

3. Youve contributed to projects with major regional entities like Saudi Aramco and Dubai Police. What have these experiences taught you about scaling blockchain adoption responsibly?

AKS: Working with leading regional entities like Saudi Aramco and Dubai Police taught me that scaling blockchain adoption isn‘t just about technology — it’s about trust, governance, and alignment with real-world outcomes.

These collaborations reinforced the importance of designing solutions that respect regulatory frameworks, ensure data integrity, and deliver tangible value from day one. Responsible scaling means building systems that are interoperable, secure, and transparent — but also simple enough for everyday users to adopt without friction.

Ultimately, successful blockchain implementation comes from balancing innovation with accountability — proving that decentralization can enhance, not disrupt, institutional trust.

Part 2: Transparency and Recognition

1. WikiEXPO has been a strong advocate for fintech innovation. How important are platforms like this for building understanding between policymakers and innovators?

AKS: Platforms like WikiEXPO play a crucial role in bridging the gap between innovation and regulation. Fintech evolves faster than policy, and events like this create the dialogue necessary for both sides to understand each others priorities — innovation needs clarity, and regulation needs context. By bringing policymakers, innovators, and investors together, WikiEXPO helps ensure that new technologies like blockchain and AI grow within responsible frameworks that protect users while encouraging experimentation.

Such collaboration is essential for building sustainable ecosystems — where trust, transparency, and innovation advance together.

2. WikiFX focuses on credibility and visibility in the global fintech ecosystem. How can transparency and recognition drive wider Web3 adoption?

AKS: Transparency and recognition are the foundation of trust — and trust is what Web3 ultimately seeks to decentralize and democratize. When users and businesses can clearly see how value moves, who they‘re interacting with, and how systems are governed, adoption accelerates naturally. Platforms like WikiFX, which emphasize credibility and visibility, help legitimize the Web3 ecosystem by shining light on responsible players and authentic innovation. Recognition builds confidence — and confidence drives participation. In the long run, transparency isn’t just a compliance tool; its the bridge that connects mainstream users to the decentralized world with clarity and confidence.

3. Whats next for Loyyal as it expands its global presence?

AKS: As Loyyal expands globally, our focus is on creating an interconnected ecosystem where loyalty, payments, and rewards flow seamlessly across borders. Were leveraging blockchain and AI to make programs more intelligent, interoperable, and accessible to businesses of all sizes — from SMEs to large enterprises. The next phase involves deepening partnerships with global brands, enabling instant rewards exchange, and introducing new tokenized experiences that unlock liquidity and engagement for both consumers and businesses. Ultimately, our goal is to make loyalty universal, borderless, and impactful — transforming how value is earned, shared, and experienced worldwide.

About WikiEXPO Global Expert Interview

As the organizer of WikiEXPO, WikiGlobal is committed to fostering international dialogue and cooperation through offline exhibitions. By engaging with global experts on financial regulation, technology, and governance, WikiGlobal seeks to enhance the integration of fintech and regtech, improve regulatory efficiency and accuracy, and promote industry self-discipline. Through these efforts, we encourage financial institutions to adopt best practices, build a more transparent and resilient ecosystem, and ultimately create a safer trading environment for investors worldwide.