sergey skabelkin (russian: серге́й серге́евич скабе́лкин; born october 21, 1976) is an entrepreneur, expert in the banking sector, business architect of online banking. skabelkin is an expert on the subject of blockchain technologies, cryptocurrency and regulations of crypto market, and the future of traditional banks. skabelkin in an adviser on the ico (initial coin offering) launching, active mentor for fintech startups, jury participant in numerous meet-ups and hackathons.