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Bal Krishna Joshi is the Founder of Xuno starting in January 2022. Prior to that, they worked at Machnet Technologies Inc from 2013 to 2020, serving as Bal Dai and later as CEO & Chairman of the Board. Bal Krishna was also a Co-Founder of Machnet, where they developed a hyper-integrated API for cross border payments. Before that, Joshi co-founded thamel.com/thamelremit in 2001, an online platform for buying and selling goats. Furthermore, they worked as an Independent Director at Nepal Electronic Payment System Ltd from 2020 to 2023. Additionally, Joshi served as a Board Member at Leapfrog Technology, Inc. from 2012 to 2020.

Bal Krishna Joshi attended Lewis & Clark College from 1993 to 1995, where they earned a Bachelor of Business Administration (B.B.A.) with a focus on Business Administration and Management. Bal Krishna later pursued further studies in Social Entrepreneurship at Santa Clara University, although specific dates and completion status are not provided.