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Toby XU is a Co-Founder of Pinvo, an AI-supercharged accounting and finance services for fast growth startups. They have also co-founded Normal Works, focusing on https://pinvo.ai. Prior to this, Toby XU has had a successful career at Ant Group, where they have held various high-level positions such as Head of GLocal & GOF Business, Chief Staff of Ant Group CEO, and CTO/CPO of Ant Int'l BG, among others. Toby XU has also contributed significantly to Alipay, where they were Head of early technical team under Ant Int'l BG and Head of Core Platform Development team.