# Li Fan

> Li Fan is chief AI Officer at Circle. Circle Gateway Nanopayments and Circle Wallets (Agent Wallets, Programmable Wallets) on Anchor Terminal, with grades, an about and public profiles.

- Canonical: https://www.anchorterminal.com/people/li-fan/
- Markdown: https://www.anchorterminal.com/people/li-fan/index.md (~1,050 tokens)
- Slim: https://www.anchorterminal.com/people/li-fan/index.min.md (~780 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/people/li-fan/index.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- MCP: https://www.anchorterminal.com/mcp (the whole catalogue as tools, no key)
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)
- Updated: 2026-10-28

Chief AI Officer, Circle.

Li Fan is Circle's chief AI officer, leading its AI strategy and its work to build AI into products and operations, after serving as the company's chief technology officer. Earlier she was CTO at Lime, SVP of Engineering at Pinterest, a senior director of engineering at Google and VP of Engineering at Baidu.

## What Li builds

- [Circle Gateway Nanopayments](https://www.anchorterminal.com/tools/circle-gateway-nanopayments.md), graded B, 67.7/100, in Payment & monetisation platforms. Circle Gateway Nanopayments is a hosted x402 facilitator that settles gas-free USDC payments as small as $0.000001. Buyers sign offchain authorisations against a Gateway balance, and Circle settles net positions onchain in batches. Chief AI Officer, Circle, researched 2026-10-28.
- [Circle Wallets (Agent Wallets, Programmable Wallets)](https://www.anchorterminal.com/tools/circle-wallets.md), graded BB, 72.4/100, in Agent wallets & spending controls. Circle's wallet APIs (developer-controlled, user-controlled and modular wallets) plus Agent Wallets, a USDC wallet an agent drives through the Circle CLI with per-transaction, daily, weekly and monthly caps and address allowlists. Chief AI Officer, Circle, researched 2026-10-28.

## Works with

- [Heath Tarbert](https://www.anchorterminal.com/people/heath-tarbert/), President, Circle
- [Jeremy Allaire](https://www.anchorterminal.com/people/jeremy-allaire/), Co-founder, CEO and Chairman, Circle
- [Nikhil Chandhok](https://www.anchorterminal.com/people/nikhil-chandhok/), Chief Product and Technology Officer, Circle

## Questions

### Who is Li Fan?

Li Fan is Circle's chief AI officer, leading its AI strategy and its work to build AI into products and operations, after serving as the company's chief technology officer. Earlier she was CTO at Lime, SVP of Engineering at Pinterest, a senior director of engineering at Google and VP of Engineering at Baidu.

### What does Circle make?

Anchor Terminal lists Circle Gateway Nanopayments and Circle Wallets (Agent Wallets, Programmable Wallets) from Circle. Circle Gateway Nanopayments is a hosted x402 facilitator that settles gas-free USDC payments as small as $0.000001. Buyers sign offchain authorisations against a Gateway balance, and Circle settles net positions onchain in batches.

### How are Li's tools graded?

Circle Gateway Nanopayments is graded B, 67.7 out of 100; Circle Wallets (Agent Wallets, Programmable Wallets) is graded BB, 72.4 out of 100, on Anchor Terminal's benchmark, which scores every listing against the same checklist.

## Sources

- https://www.circle.com/leadership/nikhil-chandhok
- https://www.circle.com/blog/building-the-financial-rails-for-the-agentic-economy
- https://www.linkedin.com/in/chandhok
- https://www.circle.com/about-circle
- https://www.circle.com/nanopayments
- https://x.com/jerallaire
- https://www.circle.com/
- https://www.circle.com
- https://www.circle.com/contact-us
- https://help.circle.com/support
- https://help.circle.com/support?id=support_form
- https://www.circle.com/leadership/jeremy-allaire
- https://developers.circle.com/

These are the people building the tools we list, named for their public role in the company or project behind a listing, from public pages, with the date it was researched. They don't work for Anchor Terminal (our own team is on the about page, /about/#author). We show public roles, public profiles and what the listing pages show, nothing private. To correct something, send an about or a photo, or have a page removed, write to privacy@anchorterminal.com.

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