“Bridging Fiat and Stablecoins”: Dmytro Tymoshchuk on Building Toolza for the Hybrid Finance Era

Small and mid-size companies working across borders face a growing challenge: managing finances in both traditional banking and stablecoins without drowning in tools, spreadsheets, and manual work.

For Dmytro Tymoshchuk, co-founder of Toolza, that gap was personal. After years of running companies with multi-entity structures, dozens of wallets, and accounts in different countries, he and his co-founders set out to build a single platform where reconciliation, reporting, and day-to-day financial operations could happen in one place.

In this interview, Dmytro explains the problem Toolza solves, how AI is changing SME finance, and why his team’s decade of working together gives them an edge in building for fast-moving, global businesses.

You’ve built companies before. What made you stop and say, “This is the problem worth solving next”?

In our previous companies, we kept hitting the same wall – managing finances across both traditional banking and crypto. We were running 11 legal entities, more than 100 crypto wallets, and multiple bank accounts spread across five countries. Nothing connected cleanly. Bank integrations lived in one tool, crypto in another, and reconciliation meant juggling spreadsheets.

When we spoke to other founders, especially in affiliate marketing, digital services, and Web3 space, it turned out we weren’t alone. The market was full of accounting systems built for big corporates, but nothing for small, high-velocity teams that operate globally and use both fiat and stablecoins every day. That’s the gap we’re closing with Toolza – one place to see, reconcile, and manage all financial flows, without the chaos.

Where is Toolza right now in terms of product maturity and traction?

We’re in a closed beta. The core is live – unified reconciliation for bank and stablecoins, AI-assisted transaction matching, and OCR for financial documents.

We’ve onboarded our first 20+ teams, mostly in affiliate marketing, Web3, and digital agencies. The feedback loop is tight – we talk to users weekly or bi-weekly to act on their input quickly. Every month, we see growth in product requests, driven mainly by our network and early supporters who refer us to theirs.

Can you walk us through your typical customer – who are they, and why are they turning to Toolza?

They’re small to mid-size companies, with revenue from different markets and a high volume of invoices to reconcile. If they’re agencies, the teams are typically up to 15–20 people; if they’re startups, up to 50. Many hire contractors across borders, pay in both fiat and stablecoins, and operate multiple legal entities.

They come to us because the existing tools weren’t built for this reality. Some tried to customize legacy accounting platforms. Others built half-manual workflows with Google Sheets. Both options cost them time, clarity, and accuracy. With Toolza, they see their full financial picture in one dashboard, with reconciliation handled for both sides.

How do you see the role of AI evolving in SME finance over the next 2–3 years?

In my opinion, AI in SME finance is moving from isolated features to being part of the core operating layer. Over the next few years, we’ll see it embedded directly into daily workflows. But the real shift will be toward proactive agents that will flag a budget drift, detect unusual vendor charges, or prepare compliance reports without being prompted. 

That won’t replace finance teams – it will give them a system that monitors, reasons, and acts alongside them, minimizing inaccuracies and freeing up their time for strategy and decision-making. That’s exactly how we’re building Toolza’s AI – as a smart assistant that works alongside you.

Who’s behind Toolza? Tell us about the founding team and the kind of talent you’re bringing in.

We’re three co-founders who have worked together for over a decade, building and scaling companies in affiliate marketing and digital services. After ten years side by side, we know each other’s strengths and weaknesses, and we’ve learned how to complement one another as leaders. 

On the product and business side, we’ve built a team of engineers, AI specialists, and product managers who understand both finance workflows and the pace of a startup. Culturally, we value ownership – everyone here is close to the user feedback and can act quickly to improve the product, with clear priorities and minimal bureaucracy.

Have you attracted any investment?

So far, we’ve been funding Toolza ourselves. We have built several businesses before, which gave us the resources and experience to get the product to this stage without outside capital. We’re open to investment, but we see it as more than just money – the value comes from the person or team behind it. The right investor can open doors, challenge our thinking, and help us scale faster. That alignment matters more to us than raising for the sake of raising.

What do you think sets Toolza apart from other fintech startups in this space?

We’re not asking teams to choose between fiat and stablecoins. Most tools were built for one or the other. Toolza treats them as equal parts of the same financial picture.

Second, our product DNA is operational, not just accounting. We’ve run businesses that needed daily visibility. That’s why we focus on real-time reconciliation, real-time reporting, and fast onboarding – features and processes that make sense for lean, distributed teams. And that’s what gives a founder a sense of control.

What’s your long-term vision for Toolza – where does this product go in the following years?

We want Toolza to become the default financial layer for hybrid businesses – any team working across borders, currencies, and platforms. That means expanding integrations, deepening AI capabilities, and supporting more jurisdictions.

We see Toolza as the place where a founder can open their laptop and know exactly where the business stands – today, not last month – and act on it immediately. For finance teams, it’s about eliminating tedious manual work like re-entering data, so they can focus on forecasting, scenario planning, and advising on key business decisions. If we can give teams that level of clarity and control, we’ve done our job.