Leadership

A institutional team building market infrastructure

Habrit combines capital markets distribution, banking law, and quantitative platform engineering — the blend required to make blockchain audit credible for private credit, not just technically possible.

Co-founders

Jacky Chan

Jacky Chan

Capital markets

Jacky brings 18 years of global real estate finance experience across the UK, Canada, Hong Kong, and China. He has held senior roles at Morgan Stanley and Deutsche Bank, advising on more than $4 billion of transactions.

  • Capital formation and institutional relationships
  • Cross-border real estate finance
  • Family office and bank distribution
Nicola Balmer

Nicola Balmer

Legal counsel

Nicola is a banking lawyer with more than 15 years' experience in private practice and in-house lending, including at Dentons London and as a real estate finance partner. Her in-house experience spans fintech start-ups and distressed loan structuring, with expertise in secured lending documentation, loan enforcement, and structured transactions.

  • Real estate finance and security documentation
  • Assignment chains under the Law of Property Act 1925
  • Regulatory-ready legal process design
Ronny Lai

Ronny Lai

Data science & platform

Oxford-trained quantitative trader and technologist with experience spanning hedge fund derivatives trading, Formula One engineering, and fintech platform architecture, Ronny combines trading expertise with hands-on engineering to build scalable, robust systems in high-stakes, complex environments.

  • Quantitative risk and portfolio analytics
  • Platform architecture and blockchain audit design
  • Financial modelling and data integrity
Ewan Tocher

Ewan Tocher

Senior advisor

Ewan has over 30 years of experience in financial services, including senior positions with Lloyds Banking Group and Aviva. A specialist in credit, risk, and relationship management, he has advised and supported businesses across a broad range of sectors and transaction types.

  • Credit and risk oversight
  • Institutional relationship management
  • Banking and insurance sector experience
Josh Cocklin

Josh Cocklin

Investor

Josh is CEO of Primis Capital Limited. He has direct experience in investment structuring, property funding, and corporate management. Outside his executive roles, he serves as a magistrate — a judicial appointment subject to its own vetting and standards of personal conduct.

  • Investment structuring and property funding
  • Corporate management and governance
  • Independent judicial appointment as a magistrate

Operating model

Built like a product company, governed like a bank

We ship audited smart contracts, human-confirmed diligence, and legal-first workflows — with the same rigour institutional counterparties expect from a tier-one vendor, not a prototype shop.

Capital markets

Distribution, structuring, and institutional relationships across UK and international real estate finance.

Legal & compliance

Real estate finance documentation, assignment chains, and regulatory-ready process design from day one.

Platform & data science

End-to-end engineering: financial modelling, blockchain anchoring, AI-assisted extraction with human confirmation gates.

Work with a team that speaks investor, counsel, and engineer