Harry Kumar

Harry Kumar is the CEO of InstaFi, the AI-native origination and servicing platform for private and construction lenders. InstaFi was built on a simple architectural bet: one loan file, one live data layer, connecting entire teams through shared AI intelligence. Where legacy systems scatter a loan across documents, emails, and spreadsheets, InstaFi keeps everything in a single living record, so every draw, inspection, and payment makes the file smarter rather than just thicker. A technical founder and former real estate developer who experienced these pain points firsthand, Harry focused his team on solving for borrower experience first. This enables lenders to deliver faster outcomes, higher retention, and more reliable results. His argument for this panel is simple: fraudsters adopted AI faster than lenders did, and the defense must live inside your system of record.