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    <title>Kangxin (Zane) Zhu</title>
    <link>https://zanezhu.tech/</link>
    <description>Kangxin (Zane) Zhu (朱康辛) — digital product and strategy leader in fintech and cross-border payments. Former Citi China VP, Huawei Group Strategy, Accenture. Ph.D. (SJTU), MBA (CKGSB).</description>
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    <lastBuildDate>Tue, 27 Oct 2026 17:40:03 +0000</lastBuildDate>
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      <title>When Do You Actually Need a Blockchain? Lessons from mBridge</title>
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      <pubDate>Sun, 25 Oct 2026 12:00:00 +0000</pubDate>
      <description>Most of what mBridge does could run on a conventional database. What it really buys is a political solution. That insight leads to four necessary conditions for blockchain, the difference between &#34;can use&#34; and &#34;must use&#34;, and the vendor risk that public blockchain infrastructure often overlooks.</description>
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      <title>Launched zanezhu.tech</title>
      <link>https://zanezhu.tech/updates/#2026-10-25-website-launch</link>
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      <pubDate>Sun, 25 Oct 2026 12:00:00 +0000</pubDate>
      <description>My personal site is live, in English and Chinese. It brings together my résumé, articles and short updates. More articles on digital strategy, payments and AI are on the way.</description>
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