Avtar is has a PhD in theoretical particle physics and a masters in computational engineering; and is a graduate of Imperial College. After his academic career he transitioned to capital markets, focusing across risk management, pricing systems and infrastructure sales. Avtar was an early adopter of Bitcoin and worked on projects such as colored coins. This led him to founding Nivaura, which was a pioneer in primary market workflow automation for issuing debt instruments, and applying this to enabling tokenised bond issuance. Avtar worked on majority of the early industry tokenised bond deals, supporting in  structuring and executing tokenised instruments and leveraging public blockchains to settle using stablecoins. He has worked closely with several financial services regulators and has held MiFID and CASS regulated positions with the FCA in capacities as a CEO/director, MLRO and risk officer. He also advices a number of startups and institutions on blockchain, artificial intelligence and digitalization programs.