Geoffroy Farrugia is a visionary co-founders of Loya, a fintech startup redefining how shoppers and merchants connect through loyalty-based payments. Geoffroy, a fintech operator, draws on his experience managing a government-backed payment platform in Monaco that processed over $150 million in transactions, while Gina is a marketing and brand strategy expert, brings deep insight into customer behavior and growth marketing. Together with Gina, they created Loya—a payment method that replaces traditional loyalty programs with instant 5% cashback, redeemable exclusively at the same store. Their mission is to empower merchants with retention-focused growth while giving shoppers real, immediate value. United by complementary skills and a shared entrepreneurial spirit, Gina and Geoffroy are proving that loyalty innovation can be both simple and transformative.