The power of Data is undeniable. And unharnessed - it’s nothing but chaos. Making data your ally. Using it to lead with confidence and clarity. Host Jess Carter is solving problems in real-time to reveal what’s possible. Helping communities and people thrive. This is Data Driven Leadership, a show brought to you by Resultant.
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Indhold leveret af The Fintech Blueprint and Lex Sokolin. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af The Fintech Blueprint and Lex Sokolin eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
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"web3 with a16z" is a show about the next generation of the internet, and about how builders and users -- whether artists, coders, creators, developers, companies, organizations, or communities -- now have the ability to not just "read" (web1) + "write" (web2) but "own" (web3) pieces of the internet, unlocking a new wave of creativity and entrepreneurship. Brought to you by a16z crypto, this show is the definitive resource for understanding and going deeper on all things crypto and web3. Fro ...
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Mind The Business: Small Business Success Stories
1 Pushing Past Stagnation & Business Plateaus 30:21
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LikedHitting plateaus is a common milestone in business, but there’s a difference between stability and a rut. In the last installment of this season, we’ll dive into the ways small business owners push beyond plateaus and find new ways to achieve revenue growth. Jannese and Austin wrap up their time in Nashville, Tennessee with a wonderful visit to N.B. Goods to speak with owner Camille Alston . Camille details the times where she hit a wall with profits, the strategies she implemented to increase revenue, what worked, what didn’t, and the important lessons she learned in the process. You won’t want to miss this informative final chapter! Learn more about how QuickBooks can help you grow your business: QuickBooks.com See omnystudio.com/listener for privacy information.…
Understanding Autonolas, the $2B autonomous agent network running on blockchain, with Valory CEO David Minarsch
Manage episode 396351779 series 3271919
Indhold leveret af The Fintech Blueprint and Lex Sokolin. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af The Fintech Blueprint and Lex Sokolin eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
Lex chats with David Minarsch, co-founder and CEO of Valory - a team focused on providing research, products, and services at the intersection of multi-agent systems (MAS) and distributed ledger technology (DLT), one of them being Autonolas - a platform that offers an open-source software stack and an on-chain protocol, facilitating secure operations and incentivizing autonomous application development. In this episode, David discusses the intersection of artificial intelligence (AI) and crypto networks. He explains that Valory is focused on building autonomous systems that connect to blockchain networks. David highlights the importance of AI agents in the future, as they can specialize in different roles and provide valuable services. He also discusses the launch of the Autonolas protocol on Gnosis chain, which allows for the creation of prediction markets and the coordination of autonomous services. David believes that autonomous agents will become the primary daily active users of crypto, providing a new user experience and abstraction for humans.
MENTIONED IN THE CONVERSATION
Valory's Website: https://bit.ly/4b3xuWP
David's LinkedIn profile: https://bit.ly/3S5EF8n
Topics: DLT, Distributed ledger technology, ai, blockchain, smart contract, game theory, autonomation, DAO, generative AI, crypto, economics
Companies: Valory, Autonolas, Fetch.ai, OLAS, Gnosis, Cosmos
ABOUT THE FINTECH BLUEPRINT
🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2
🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV
👉 Twitter: https://twitter.com/LexSokolin
TIMESTAMPS
1’34: Mathematics to Game Theory: A Journey Through Academia and the Intricacies of Human Behavior
4’03: Network Games and Equilibria: Exploring Graph Theory and Game Theory in Economics at Cambridge
7’31: Quantitative Abstractions and Intuition: Navigating the Complexity of Equilibria in Economic Systems
12’08: From Academic Theory to Real-World Application: The Impact of Crypto Networks on Economic Modeling and Experimentation
16’17: Mathematics in Governance: Transforming Data for Constituency Insights and Political Decision-Making
19’04: From Human Insights to Blockchain Innovation: The Evolution of Fetch.ai and the Role of Autonomous Agents
23’36: Defining Autonomous Agents: The Evolution and Impact of AI-Driven Software Agents in Complex Systems
30’48: Agent Ownership and Automation: Exploring the Spectrum and Implications of Autonomous AI Systems
35’16: Autonolas Protocol and Valory Launch: Revolutionizing Autonomous Services and DAO Governance on the Gnosis Chain
39’44: Governance Through AI: Understanding the Role of Autonomous Agents in DAO Decision-Making and Proposal Analysis
43’34: OLAS Protocol on Gnosis Chain: Pioneering Autonomous Agents in Prediction Markets and DAO Governance
50’15: Envisioning the Future: The Rise of Autonomous Agents and AI in Crypto and Economic Systems
55’01: The channels used to connect with David & learn more about Valory
Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.
Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella
Want to discuss? Stop by our Discord and reach out here with questions.
177 episoder
DelManage episode 396351779 series 3271919
Indhold leveret af The Fintech Blueprint and Lex Sokolin. Alt podcastindhold inklusive episoder, grafik og podcastbeskrivelser uploades og leveres direkte af The Fintech Blueprint and Lex Sokolin eller deres podcastplatformspartner. Hvis du mener, at nogen bruger dit ophavsretligt beskyttede værk uden din tilladelse, kan du følge processen beskrevet her https://da.player.fm/legal.
Lex chats with David Minarsch, co-founder and CEO of Valory - a team focused on providing research, products, and services at the intersection of multi-agent systems (MAS) and distributed ledger technology (DLT), one of them being Autonolas - a platform that offers an open-source software stack and an on-chain protocol, facilitating secure operations and incentivizing autonomous application development. In this episode, David discusses the intersection of artificial intelligence (AI) and crypto networks. He explains that Valory is focused on building autonomous systems that connect to blockchain networks. David highlights the importance of AI agents in the future, as they can specialize in different roles and provide valuable services. He also discusses the launch of the Autonolas protocol on Gnosis chain, which allows for the creation of prediction markets and the coordination of autonomous services. David believes that autonomous agents will become the primary daily active users of crypto, providing a new user experience and abstraction for humans.
MENTIONED IN THE CONVERSATION
Valory's Website: https://bit.ly/4b3xuWP
David's LinkedIn profile: https://bit.ly/3S5EF8n
Topics: DLT, Distributed ledger technology, ai, blockchain, smart contract, game theory, autonomation, DAO, generative AI, crypto, economics
Companies: Valory, Autonolas, Fetch.ai, OLAS, Gnosis, Cosmos
ABOUT THE FINTECH BLUEPRINT
🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2
🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV
👉 Twitter: https://twitter.com/LexSokolin
TIMESTAMPS
1’34: Mathematics to Game Theory: A Journey Through Academia and the Intricacies of Human Behavior
4’03: Network Games and Equilibria: Exploring Graph Theory and Game Theory in Economics at Cambridge
7’31: Quantitative Abstractions and Intuition: Navigating the Complexity of Equilibria in Economic Systems
12’08: From Academic Theory to Real-World Application: The Impact of Crypto Networks on Economic Modeling and Experimentation
16’17: Mathematics in Governance: Transforming Data for Constituency Insights and Political Decision-Making
19’04: From Human Insights to Blockchain Innovation: The Evolution of Fetch.ai and the Role of Autonomous Agents
23’36: Defining Autonomous Agents: The Evolution and Impact of AI-Driven Software Agents in Complex Systems
30’48: Agent Ownership and Automation: Exploring the Spectrum and Implications of Autonomous AI Systems
35’16: Autonolas Protocol and Valory Launch: Revolutionizing Autonomous Services and DAO Governance on the Gnosis Chain
39’44: Governance Through AI: Understanding the Role of Autonomous Agents in DAO Decision-Making and Proposal Analysis
43’34: OLAS Protocol on Gnosis Chain: Pioneering Autonomous Agents in Prediction Markets and DAO Governance
50’15: Envisioning the Future: The Rise of Autonomous Agents and AI in Crypto and Economic Systems
55’01: The channels used to connect with David & learn more about Valory
Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.
Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella
Want to discuss? Stop by our Discord and reach out here with questions.
177 episoder
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1 Reinventing Traditional Services through Modern Platforms, with David Snider CEO of Harness Wealth 38:59
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Afspil senere Afspil senere Lister Like LikedLex interviews David Snider - founder and CEO of Harness Wealth. David shares his extensive fintech journey, including his pivotal role at Compass, a real estate technology firm. He discusses the challenges of aligning agents with new technology and the evolution of Compass's business model to empower agents with better tools and incentives. Transitioning to Harness Wealth, David explains his vision to enhance tax advisory services through a modern platform, addressing complex financial needs. The episode underscores the importance of innovation and human expertise in fintech and real estate. Notable discussion points: Empowering Advisors in Complex Industries: David Snider has built platforms that enhance human advisors rather than replace them—first in real estate with Compass - a technology-powered real estate brokerage, now in tax with Harness Wealth. In industries with high complexity and large transaction sizes, like wealth management and real estate, human expertise remains essential. His approach emphasizes that technology should enable, not displace, trusted advisors. Compass Pivoted to Power Top Agents: Compass began with a plan to disrupt real estate agents but pivoted to support top performers with better tech and economics. This shift—paired with smart execution—enabled rapid growth and market leadership by focusing on high-value agents and transactions, rather than cutting them out of the process. Harness Wealth Modernizes Complex Tax Advisory: Harness Wealth applies a Compass-like model to tax, serving clients with equity comp, crypto, and private investments by connecting them to top advisors through a modern, tech-enabled experience. The platform improves both advisor workflows and client usability, targeting a large, underserved market that DIY tools can’t effectively serve. MENTIONED IN THE CONVERSATION Topics: Fintech, Harness Wealth, Compass, AI, RealEstate, Platform-As-A-Service, Advisory, Data, Tax, WealthTech, TaxTech, CryptoTax, PersonalFinance, FinancialAdvisors ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’06: From Bain to Compass: David Snider on Navigating Finance, Real Estate, and the Rise of Advisor-Enabled Tech 5’42: Evolving Real Estate Through Tech: Market Levers, Rollups, and Building Compass's Super Agent Model 13’20: Digital vs. Human: Why Tech Wins in Some Industries—and Advisors Thrive in Others 17’16: Scaling Compass: How Tech, Economics, and a New Go-to-Market Strategy Fuelled Rapid Agent Growth 22’20: Overcoming Resistance: The Grind Behind Compass’s Data Integration and Agent Tech Adoption 26’13: From Compass to Harness: Building a Tech-Driven Platform to Simplify Complex Tax and Financial Advice 31’05: Serving the Underserved: How Harness Wealth Empowers Advisors and Clients Navigating Complex Tax Needs 34’16: Building Smarter Tax Tech: Harness’s Curated Approach to Streamlined Data, Insights, and Advisor Collaboration 36’02: Scaling with Purpose: Harnessing Data, Advisor Value, and a Massive Market Opportunity in Tax 37’46: The channels used to connect with David & learn more about Harness Wealth Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 How Metronome is Building the Revenue Engine for AI, with CEO Scott Woody 49:32
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Afspil senere Afspil senere Lister Like LikedLex interviews Scott Woody, CEO and founder of Metronome, a usage-based billing platform. Scott shares his journey from academia to entrepreneurship, detailing his experiences at UC Berkeley, D.E. Shaw, and Stanford, where he studied biophysics. His tenure at Dropbox, where he tackled billing system challenges, inspired the creation of Metronome. The discussion highlights Metronome's real-time billing data capabilities, which aim to improve business efficiency and customer experience. Scott also explores the broader implications of AI in fintech, emphasizing the shift towards usage-based business models and the importance of real-time data. Notable discussion points: Metronome emerged from firsthand frustrations at Dropbox, where Scott Woody experienced how rigid billing systems slowed growth, confused customers, and blocked real-time insights. He built Metronome as a flexible, real-time billing engine that merges usage data with pricing logic—powering the monetization infrastructure for top AI companies today. Real-time billing isn’t just about invoices—it's a strategic revenue lever. For AI and SaaS businesses alike, Metronome enables teams to run dynamic experiments, optimize GPU allocation, and make last-minute decisions to hit quarterly targets—turning billing into a core growth engine. The rise of AI is accelerating a shift to usage-based models. As AI becomes specialized labor across verticals (from loan collection to customer service), companies are rapidly replatforming, and entire industries may flip from seat-based to outcome-based pricing within quarters—Metronome is positioned as the "payment processor" for this AI economy. MENTIONED IN THE CONVERSATION Topics: Metronome, Dropbox, Datadog, OpenAI, AI, AGI, machine learning, pricing models, financial services, business optimization, operational frameworks, analytics, financial modeling ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’05: Talent Spotting and Swag Strategy: How Scott Woody Recruited the Brightest Minds at Berkeley 7’27: From Biophysics to Startups: How Stanford and Protein Folding Led Scott into Tech 9’28: Lessons from Dropbox: Why Talent Density Beats Perks in Building Scalable Tech Teams 14’09: Solving the Billing Bottleneck: How Metronome Powers Real-Time Monetization for Modern Tech 19’45: Real-Time Revenue Intelligence: How Metronome Helps Teams Optimize Pricing, Experiments, and GPU Allocation 24’55: Optimizing AI Economics: Metronome’s Real-Time Matching of Model Usage, Customer Spend, and GPU Allocation 29’03: The Rise of Usage-Based AI: Why Real-Time Monetization Is Reshaping Business Models Across Tech 34’25: Specialized AI as Labor: Why Purpose-Built Agents Are Shaping the Future of Work and Software Integration 40’46: The Tipping Point for AI Adoption: Why Clear ROI and Competitive Pressure Are Rewriting Entire Industries 48’39: The channels used to connect with Scott & learn more about Metronome Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Building a Trustless Supercomputer for Web3 and AI, with Arweave's Founder Sam Williams 46:04
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Afspil senere Afspil senere Lister Like LikedLex interviews Sam Williams - founder of Arweave. This episode delves into the innovative aspects of Arweave, a protocol designed for permanent data storage and computation within the Web3 ecosystem. The discussion covers a range of topics, from the economic models underpinning Arweave to its potential applications in decentralized finance (DeFi) and beyond. Notable discussion points: The Founding of Arweave and its Mission – Sam Williams’ interest in distributed computing and concerns about authoritarianism led him to create Arweave in 2017. Inspired by the Snowden leaks, he saw the need for a blockchain-based permanent storage solution to protect journalism, historical records, and digital assets from censorship. Decentralized vs. Distributed Storage – Williams explained how Arweave differs from alternatives like IPFS and Filecoin. Unlike traditional storage, which requires ongoing payments, Arweave uses a one-time payment model. This storage endowment leverages declining storage costs to ensure long-term data persistence without relying on centralized infrastructure. Arweave’s Expansion into Decentralized Compute – Arweave has evolved beyond storage to develop decentralized computing through "Arweave IO." This enables parallelized smart contract execution, making it possible to run AI models, financial automation, and decentralized apps on-chain—aligning with Web3’s shift toward autonomous, intelligent systems. MENTIONED IN THE CONVERSATION Topics: Arweave, permanent data storage, Web3, decentralized systems, distributed systems, blockchain, economic models, IPFS, Filecoin, decentralized computing, decentralized finance, compute ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’06: From Distributed Computing to Decentralized Truth Preservation: A Journey into Web3 4’31: Decentralization vs. Distribution: Defining the Future of Web3 Infrastructure 9’41: Building a Decentralized Archive: Arweave’s Journey from Vision to Adoption 16’28: Web3 Storage Economics: Arweave vs. IPFS and the NFT Data Dilemma 22’42: Arweave’s Endowment Model: A Blockchain-Native Approach to Permanent Storage 27’13: Arweave’s Next Chapter: From Permanent Storage to Decentralized Supercomputing 31’36: Decentralized AI and Agent Finance: Expanding Arweave’s Computational Power 36’26: Decentralized AI and Blockchain: Overcoming Computation and Consensus Challenges 41’34: The Future of Decentralized Intelligence: Trustless Finance and Digital Immortality 44’59: The channels used to connect with Sam & learn more about Arweave Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 The Virtual Card Revolution Powering $7 Billion in Transactions, with Extend CEO Andrew Jamison 41:39
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Afspil senere Afspil senere Lister Like LikedLex interviews Andrew Jamison - CEO and Co-founder of Extend - a financial infrastructure platform that helps banks innovate financial product development with capabilities while working with their existing systems, starting with virtual cards. Andrew shares his journey into fintech, detailing his experiences at American Express and the evolution of virtual cards. He discusses the challenges and opportunities in the virtual card space, the founding of Extend, and its innovative approach to simplifying spend management. The episode highlights Extend's rapid growth, unique market position, and the future of financial management, emphasizing real-time transactions and integrated solutions for businesses. Notable discussion points: Virtual Cards = Smarter Spend ManagementVirtual credit cards revolutionize payments by enabling real-time reconciliation, reducing fraud, and improving financial control—especially for SaaS, digital ads, and legal expenses. Extend’s Edge: Partnering with Banks, Not Disrupting ThemUnlike Brex and Ramp, Extend powers virtual cards on existing bank-issued cards, making adoption seamless for businesses while strengthening bank relationships. B2B Payments Go EmbeddedThe future of finance is embedding payments directly into platforms like SAP Concur - letting CFOs manage expenses within the tools they already use. From Enterprise-Only to Instant AccessVirtual cards once took months to implement. Extend’s API-first approach makes them deployable in minutes, bridging the gap between legacy banking and modern finance. MENTIONED IN THE CONVERSATION Topics: Extend, American Express, AMEX, SAP, fintech, credit cards, spend management, virtual cards, B2B, API, banking infrastructure, embedded payments ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’10: From Green Screens to the Cloud: How Early Tech Shaped Andrew Jamison’s Approach to Business and Automation 5’12: Scaling Amex: Expanding Beyond Travel to B2B Payments and Virtual Cards 10’27: Virtual Cards in Travel: Solving Payments but Struggling with Scale 15’19: Virtual Cards and On-Demand Growth: How APIs Unlocked a New Payments Model 19’17: From Amex to Extend: Reinventing Virtual Cards for Everyday Business 26’00: Scaling Smart Payments: How Extend is Reshaping B2B Credit Cards 29’33: Rethinking Spend Management: How Extend Partners with Banks Instead of Replacing Them 31’47: Built for CFOs: How Extend Streamlines Payments and Expense Management 35’08: The Future of Finance: How Embedded Payments and APIs Are Reshaping the CFO’s Role 40’34: The channels used to connect with Andrew & learn more about Extend Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 How Sei is Breaking Ethereum's Limits with Co-Founder Jayendra Jog 42:16
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Afspil senere Afspil senere Lister Like LikedLex interviews Jayendra Jog - co-founder of Sei Labs, about his professional journey and the innovative Sei protocol—a high-performance parallel blockchain. Jay shares insights from his time at Robinhood, emphasizing the importance of distribution over technology and the challenges of scaling a fintech company. He discusses the limitations of Ethereum's transaction processing and how Sei Labs aims to address these through parallelization. The conversation also covers the future of blockchain in finance, the need for regulatory clarity, and the potential of high-performance blockchains to support emerging industries like AI and decentralized science. Notable discussion points: Impact Over Paychecks – Jog’s career leap from SAP to Facebook, Pinterest, Robinhood, and Sei Labs was driven by impact, not salary. He thrived in small, high-talent teams where he could truly move the needle. Robinhood’s Growing Pains – Early Robinhood was fast and scrappy, but as it scaled, bureaucracy slowed innovation. The shift from “missionary” to “mercenary” employees hurt culture and velocity. Tech Doesn’t Win—Distribution Does – The best crypto projects don’t just have great tech; they win by getting users. Sei Labs focuses on real-world adoption, not just engineering breakthroughs. Sei’s Parallelized EVM: A Game Changer – Ethereum is slow. Sei Labs fixes this by parallelizing transactions, enabling high-speed trading and complex on-chain applications. It’s Ethereum’s power with Solana’s speed. MENTIONED IN THE CONVERSATION Topics: fintech, blockchain, Sei Labs, Sei protocol, Ethereum Virtual Machine, EVM, Robinhood, decentralized applications, DeFi protocols, DePIN ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’29: From Silicon Valley Roots to Startup Hustle: Jayendra Jog’s Journey Through Tech’s Elite Ranks 7’53: Scaling Robinhood: From Scrappy Startup to Corporate Bureaucracy 12’56: Why Robinhood Won: Distribution Over Technology in Fintech and Crypto 17’38: Sei and the Parallelized EVM: Scaling Blockchain for High-Performance Trading 25’18: Parallelization in Blockchain: Unlocking Scalability Without Breaking the System 28’03: Building Sei: Solving the Blockchain Adoption Puzzle for Finance and Developers 33’50: The Blockchain Race: Competing for Killer Apps and Market Dominance 38’02: The Next Wave: Sei’s Vision for AI, DePIN, and High-Performance Blockchain Applications 41’34: The channels used to connect with Jay & learn more about Sei Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Protecting 2,700 Customers Across 100 Million Transactions, with Socure's CTO Arun Kumar 41:50
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Afspil senere Afspil senere Lister Like LikedLex interviews Arun Kumar, the CTO of Socure, an identity management and risk assessment company. In this exciting episode, Arun touches on: (1) his experience building large-scale, high-throughput, and low-latency systems at companies like Amazon and Citadel, and how he applies that expertise to the identity verification and fraud detection challenges at Socure. (2) Socure's rapid growth, serving over 2,700 customers including 9 of the top 10 U.S. banks and over 30 state agencies, processing hundreds of millions of transactions per month. (3) Socure's approach to building a real-time identity graph by aggregating signals from devices, phone numbers, IPs, and other data points to detect and prevent sophisticated fraud tactics like deepfakes and fraud GPTs. (4) The company's recent acquisition of Effectiv to simplify the integration process for customers and improve efficiency, as well as its use of Generative AI to automate various tasks. Lastly, (5) Socure's future plans to expand beyond account opening and login into transaction monitoring, as well as exploring opportunities in the growing embedded finance and digital identity spaces. MENTIONED IN THE CONVERSATION Topics: Socure, Effectiv, Citadel, Amazon, Identity management, digital identity, generative AI, deepfakes, fraud prevention, machine learning, identity verification ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’02: Scaling Innovation: Exploring High-Performance Systems and Real-Time Technology 4’04: From Financial Data to Machine Learning: Scaling Systems and Solving Edge Cases 8’49: Bridging Big Tech and Quant Finance: Exploring Technology Overlaps and Ultra-Low Latency Systems 11’12: Protecting Digital Identity at Scale: The Journey to Socure and Solving Real-Time Fraud Challenges 15’50: Building the Network Effect: How Socure Became a Leader in Identity Verification and Fraud Prevention 21’00: Battling Modern Fraud: Deepfakes, Generative AI, and the Evolving Landscape of Digital Security 26’30: Revolutionizing Customer Success: Simplifying Integrations with No-Code Solutions and Real-Time Performance Insights 29’57: Scaling Customer Integration: Fixed Costs, POCs, and Generative AI-Driven Value Propositions 34’00: Driving Efficiency and Scale: Socure's Evolving Product Roadmap and Future Vision 36’14: Learning from Customization: Standardizing for Scalability and Long-Term Growth 38’58: Expanding Horizons: Growing Market Share and Addressable Markets in Digital Transactions 41’00: The channels used to connect with Arun & learn more about Socure Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Curve’s Big Bet Reinventing Payments and Wallets, with CEO Shachar Bialick 52:40
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Afspil senere Afspil senere Lister Like LikedLex interviews Shachar Bialick, the founder and CEO of Curve, a fintech mobile wallet. In this exciting episode, Shachar touches on: (1) his background as a serial entrepreneur and his experience in the Israeli military shaped his ability to solve problems and work in high-stress environments, which are key traits for a successful founder. (2) The initial idea behind Curve was to create a "wallet to rule them all" - a single interface that could consolidate and manage multiple payment cards and accounts, providing more value and convenience to customers. (3) Building Curve involved navigating complex challenges, such as convincing payment networks like Mastercard and Visa to change their rules to allow Curve's back-to-back wallet technology. This required a resilient, innovative, and persistence approach. (4) Shachar emphasizes the importance of building a company culture that fosters curiosity, adaptability, and a belief that "everything is possible" rather than focusing on perceived limitations. (5) Lastly, Shachar discusses the evolution of the fintech landscape, including the challenges faced by neobanks in creating true financial marketplaces, and the ongoing issues with the implementation of open banking standards. MENTIONED IN THE CONVERSATION Topics: Curve, ApplePay, Google Wallet, PayPal, Tink, neobank, fintech, wallets, payments, paytech, NFC, Open Banking ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’02: From Military Service to Fintech Success: Shachar Bialick on Founding Curve and Redefining Payments 9’10: The Resilient Founder: Risk-Taking, Leadership, and the Cultural Mindset Behind Entrepreneurship 14’59: From Unbundling to Rebundling: Building Curve to Solve Financial Fragmentation 20’50: Revolutionizing Payments: Curve's Ambition to Unite Financial Ecosystems 24’26: Trailblazing Curve: Overcoming Challenges to Redefine Payments and Build a Global Fintech Ecosystem 30’23: Project Elah: How Curve Challenged Apple’s NFC Restrictions to Redefine Digital Wallets 34’50: Shaving the Lion: How Curve Built a Culture to Overcome Industry Challenges and Innovate 39’05: Challenging Apple Pay: Curve’s Strategy to Deliver Tangible Customer Benefits 42’01: The Evolution of Fintech Infrastructure: Challenges, Opportunities, and the Role of Open Banking 51’54: The channels used to connect with Shachar & learn more about Curve Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 The Decentralized AI Revolution with 0G Labs CEO, Michael Heinrich 45:51
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Afspil senere Afspil senere Lister Like LikedLex interviews Michael Heinrich, co-founder and CEO of 0G (Zero Gravity) Labs. In this exciting episode, Lex and Michael explore the concept of decentralized artificial intelligence (AI) and how it differs from centralized, closed-source AI models provided by big tech companies. Michael kicks off with his background in tech and finance, and how he became interested in decentralized AI as a solution to the issues with closed AI systems. Notable discussion points: (1) Decentralized AI provides transparency and verifiability around the data, training, and model alignment used, unlike closed AI systems. (2) Blockchain-based systems can help enforce a "code of conduct" for AI models and ensure fair rewards distribution for data contributors. (3) 0G Labs is building a decentralized AI operating system focused on key components like decentralized storage, data availability, and a serving layer for AI inference. (4) And lastly, the company is working with various providers of AI verification mechanisms (zKML, OPML, TEML, etc.) to integrate with their decentralized AI platform. The ultimate goal is to provide a seamless user experience for building and deploying decentralized AI applications, similar to how centralized tech platforms operate today. MENTIONED IN THE CONVERSATION Topics: 0G, 0G Labs, Zero Gravity Labs, Bridgewater Associates, ORA, Story Protocol, AI, Artificial Intelligence, Decentralized AI, Tokenized AI, Web3, Blockchain, zkML, TeeML, OPML, SPML ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’10: Decentralized AI: From Early Tech Fascination to Innovating the Future 4’08: From Finance to Founding: A Journey of Passion, Growth, and Resilience 9’07: Web3 Meets AI: Building a Human-Centric Future Through Blockchain Innovation 13’45: Decentralized AI Explained: Trustless Systems vs. Closed AI Paradigms 17’21: Decentralized AI Solutions: Addressing Bias, Censorship, and Fair Rewards 23’30: Decentralized AI Framework: Building Open, Trustless Systems for Developers 27’28: Data Availability in Decentralized AI: Supercharging Blockchain for High-Performance Applications 31’24: Integrating Decentralized AI: From User Queries to Scalable Inference Frameworks 34’38: Tokenized AI Ecosystems: Economic Flows and Emerging Inference Networks 40’04: Ensuring Trust in AI Outputs: Bridging Verification Mechanisms with Decentralized Systems 42’13: Decentralized AI's Future: Breakout Use Cases and the Path to Mainstream Adoption 44’40: The channels used to connect with Michael & learn more about 0G Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Coinbase view on the future of crypto, with VP of International Policy Tom Duff Gordon 46:18
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Afspil senere Afspil senere Lister Like LikedLex interviews Tom Duff Gordon, the Vice President of International Policy at Coinbase, where he drives the company’s engagement with policymakers in global markets across the UK, Europe, APAC, LatAm, and the MENA region. Together, Tomm and Lex discuss the importance of policy work in the financial services industry, especially after the 2008 financial crisis, and how policy teams collaborate with regulators to shape the regulatory environment; the reasons why the financial services industry is heavily regulated, including the systemic and interconnected nature of the financial system and the need to protect retail consumers; the regulatory approaches to cryptocurrency and digital assets in different jurisdictions, with Europe (MiCA), the US, and other regions like Asia. The discussion highlights the diverse and evolving nature of crypto regulation globally; the challenges faced by the US in developing a coherent regulatory framework for crypto assets, particularly the jurisdictional tussle between the SEC and CFTC; Coinbase's efforts to advocate for clear and balanced crypto regulation, including through grassroots initiatives like "Stand with Crypto"; and lastly, Coinbase's evolving product strategy, expanding beyond its core exchange business into areas like custody, lending, and infrastructure for the broader crypto ecosystem. MENTIONED IN THE CONVERSATION Topics: Coinbase, Credit Suisse, SEC, Circle, MiCA, Stand With Crypto, FIT21, financial regulation, financial policy, crypto, exchange, USDC ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’02: Shaping the Future of Finance: Tom Duff Gordon’s career involving Policy, Crypto, and Global Regulation 7’30: Preventing Financial Panic: How Regulation Mitigates Systemic Collapse 13’12: From Bank Runs to Balance Sheets: Tackling Systemic Risk and Preventing Financial Contagion 16’32: Regulating Crypto: Global Progress and Emerging Frameworks 19’42: Expanding Crypto Regulation Worldwide: Frameworks, Challenges, and the Road Ahead 28’18: Crypto and the SEC: Unpacking America’s Contradictory Approach to Regulation 34’30: Crypto Politics: Why the US is Divided While Europe Stays Unified 41’30: Scaling Crypto: Coinbase's Multi-Vertical Strategy and Ecosystem Vision 45’28: The channels used to connect with Tom & learn more about Coinbase Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Scaling Dynasty to 2,5k Monthly Signups using TikTok, with CEO Alessandro Chesser 43:42
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Afspil senere Afspil senere Lister Like LikedLex interviews Alessandro Chesser - CEO of Dynasty, a San Jose-based online platform for trust creation and management. In this episode, the key topics discussed include: The importance of aligning business and product teams, and the challenges Chesser faced when this alignment broke down during Carta's unsuccessful foray into the private markets business. Chesser's decision to leave Carta and co-found Dynasty, a startup that aims to simplify the process of creating trusts to avoid probate and protect assets. Dynasty's go-to-market strategy, which focuses on driving organic growth through short-form video content on platforms like TikTok. And lastly, the technical and legal complexities of automating the trust creation process, and how Dynasty is navigating those challenges. MENTIONED IN THE CONVERSATION Topics: Dynasty, GetDynasty, Carta, eShares, fintech, trusts, legaltech, private markets, legal, SaaS, social media, TikTok, Instagram, LegalZoom ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’24: From Sales Pioneer to Scaling Success: Alessandro Chesser on Building Carta’s Sales Organization and Transforming the Cap Table Market 5’38: Building Carta's Success: Strategic Partnerships, Demand Generation, and Sales-Product Synergy 9’57: Navigating Growth and Product Alignment: Carta's Scaling Challenges and the CartaX Experience 14’19: The Journey from Carta to Founding Dynasty: The Lessons Learned and Taking the Leap 16’55: Democratizing Estate Planning: Dynasty’s Mission to Make Trusts Accessible for Everyone 23’11: Unlocking Wealth Protection: Directed Trusts, Asset Security, and Tax Strategies for Founders and Investors 26’00: Trusts for the Middle Class: Simple Solutions for Inheritance and Probate Avoidance 28’19: Privacy and Protection: Using Trusts to Safeguard Real Estate and Build Awareness Through Organic Growth 32’02: Cracking the Viral Code: Leveraging Short-Form Video to Drive Customer Acquisition in Estate Planning 35’09: Building a Viral Marketing Team: Crafting Convincing Content for Organic Growth in FinTech 39’35: Engineering Simplicity in Legal Tech: Automating Trusts and Navigating Legal Complexities 42’52: The channels used to connect with Alessandro & learn more about Dynasty Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 What really happened at Synapse according to Founder Sankaet Pathak 48:32
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Afspil senere Afspil senere Lister Like LikedLex is interviewing Sankaet Pathak, the former CEO and founder of Synapse, and CEO and current founder of Foundation, to explore what happened with Synapse, the banking as a service industry, and key lessons learned. The discussion covers Synapse's origins, the reliance on bank partners like Evolve, the discovery of reconciliation issues and missing payments, and the eventual sale of Synapse to TabaPay. Pathak shares details on the various categories of "breaks" they uncovered, including debits from customer accounts, undisclosed fees, and the challenges around the Mercury migration. The episode also touches on potential regulatory oversights, the role of blockchain technology, and Pathak's perspective on his critics. The summary provides a comprehensive overview of the issues faced by Synapse and the broader implications for the banking infrastructure space. MENTIONED IN THE CONVERSATION Topics: BaaS, API, Open Banking, payments, banking, Fintech, Embedded Finance, regulation Tags: Synapse, Foundation, Evolve Bank, Mercury Bank, TabaPay, Yotta, FDIC ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’06: Synapse and the Evolution of Banking-as-a-Service: Sankaet Pathak’s introduction 3’26: The Synapse Story: Inside the Banking Infrastructure and Its Collapse 6’17: Behind the Rise and Reliance: How Evolve Bank Became Synapse’s Key Partner 9’16: Uncovering Reconciliation Issues: How Synapse Detected Problems with Evolve Bank 11’05: Tracking Customer Funds: How Synapse Managed User-Level Data with Pooled Bank Accounts 14’41: Uncovering Payment Breaks and Fee Issues: The Challenges Synapse Faced with Evolve Bank 21’16: Tracing Missing Funds: Synapse’s Financial Breakdowns and Evolve Bank’s Alleged Deception 24’44: From Billion-Dollar Valuation to Fire Sale: The Synapse Collapse and TabaPay Deal 29’04: Missing Millions: How a Migration Error with Mercury Led to a $49 Million Discrepancy 33’37: Lessons from Synapse’s Collapse: Reflecting on What Could Have Been Done Differently 39’10: Reflecting on Mistakes: Scaling Too Fast and the Complexities of Synapse’s Brokerage Service 43’11: Rethinking Financial Oversight: The Need for Bank Accountability and Direct Regulation of Bank-Adjacent Companies 45’59: Addressing the Critics: Sankaet Pathak on Misunderstandings and Missed Opportunities in the Synapse Collapse Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Brigit's journey to $100MM+ revenue and $1B in fees saved, with CEO Zuben Mathews 46:15
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Afspil senere Afspil senere Lister Like LikedLex chats with Zuben Mathews - CEO and Co-founder of Brigit. Brigit is a leading consumer financial app in the United States that offers a suite of holistic financial products including budgeting, financial insights, access to paychecks, and credit building. Zuben kicks off the conversation discussing his journey from investment banking at Deutsche Bank to founding one of the largest financial health apps in the U.S. Mathews reflects on his early experiences in banking, where he launched a small entrepreneurial team within Deutsche to leverage the bank’s data and client relationships to drive revenue. This experience helped shape his approach to solving real financial pain points, which became the foundation of Brigit. Zuben explains Brigit’s focus on addressing the U.S. financial crisis of living paycheck-to-paycheck, a problem he personally experienced as an immigrant student. Brigit’s initial product leverages cashflow data to provide instant cash advances, helping users avoid overdrafts and predatory loans. Mathews emphasizes that Brigit’s success stems from a commitment to solving users’ deepest financial issues and using real-time cashflow data, not traditional FICO scores, to provide financial solutions. The conversation delves into Brigit’s subscription-based business model, which offers transparency and value to users, helping them save money while improving financial stability. Zuben discusses how the app has grown to serve over a million users, generating more than $100 million in revenue with a small team of 90. He also addresses challenges in fintech, such as data access in the U.S. compared to Europe’s open banking regulations, and calls for more balanced regulation that encourages innovation while protecting consumers. The discussion concludes with Zuben advocating for greater access to bank data and better infrastructure for fintechs, highlighting the importance of innovation in improving customer outcomes in the financial space. MENTIONED IN THE CONVERSATION Brigit's Website: https://bit.ly/4d8tqoh Zuben's LinkedIn: https://bit.ly/3XvsEvT Topics: Fintech, neobank, overdraft, cash advance, subscription, financial wellbeing, PSD2, regulation Tags: Brigit, Deutsche Bank, Plaid, Chime, Revolut, Monzo, Yodlee, Synapse, Coastal Community Bank ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’36: From Deutsche Bank to Brigit: Zuben Mathews' Journey in Finance and Entrepreneurship 5’03: Bridging Silos at Deutsche Bank: Detailing Strategic Vendor Partnerships and Fintech Insights 9’06: From Startup Struggles to Success: Building Brigit and Navigating the Challenges of Entrepreneurship 15’41: Solving America's Deepest Financial Pain Point: The Vision Behind Brigit's Differentiation in a Crowded Fintech Market 21’07: Leveraging Cashflow Data to Outperform Banks: How Brigit Built a Product to Tackle Overdraft Fees and Expand Financial Access 24’47: Beyond Overdraft Protection: How Brigit Uses Cashflow Data to Reduce Financial Stress and Drive User Engagement 29’01: Balancing Affordability and Financial Health: How Brigit's Subscription Model Empowers Users While Lowering Costs 33’25: Challenges of Data Access in US Fintech: Navigating Bank Transactional Data and the Push for Open APIs 40’36: Navigating US Banking Rails: The Role of Regulation, Innovation, and Customer-Centric Solutions in Fintech 45’24: The channels used to connect with Zuben & learn more about Brigit Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Building a 800,000 device DePIN blockchain, with Peaq Founder Till Wendler 35:39
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Afspil senere Afspil senere Lister Like LikedLex chats with Till Wendler, Founder of Peaq Network - a leading DePIN Layer 1 in the blockchain space. In this episode, Till discusses his journey into entrepreneurship and the blockchain space. He talks about his early involvement with Ethereum and building a business around e-commerce payments using cryptocurrencies. Till also explains the concept of decentralized physical infrastructure networks (DePINs) and their role in the Internet of Things (IoT) and the Economy of Things (EOT). He highlights the limitations of current IoT systems and the potential for value exchange between devices. Till discusses the success of Peaq in attracting over 800,000 devices onto the network and the challenges of building demand for data-driven projects. He emphasizes Peaq's role in catalyzing the sector by providing support on product optimization, go-to-market strategies, and financial assistance. MENTIONED IN THE CONVERSATION Peaq's Website: https://bit.ly/3XjsaKo Till's LinkedIn: https://bit.ly/4cGvSSJ Topics: Blockchain, web3, decentralized applications, dapps, economy of things, EOT, depin, iot, decentralized physical infrastructure networks Tags: Peaq, IOTA, Exonum, DMG MORI, Silencio, MapMetrics, Helium ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’09: From the Valley to Blockchain: Till’s Journey into Entrepreneurship and Crypto 4’59: Building Peaq: From Berlin's Blockchain Scene to IoT Innovation 8’26: Connecting Machines to Blockchain: The Use Case Discovery and Peaq's Evolution 13’31: From IoT to the Economy of Things: The Evolution of Connected Devices 17’53: Unlocking the Machine Economy: The Role of Web3 and DePINs in Decentralized Infrastructure 20’50: Scaling the Machine Economy: Successful Use Cases Built on Peaq's Decentralized Network 23’34: Driving Network Growth: How Peaq Reached 800,000 Connected Devices Through Strategic Go-to-Market and Product Market Fit 29’15: Streamlining DePIN Success: How Peaq Simplifies Tokenomics and Focuses on User Demand 32’56: Empowering Ecosystem Growth: Peaq's Role in Supporting Projects from Integration to Funding 34’45: The channels used to connect with Till & learn more about Peaq Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Pipe's Pivot from Revenue Exchange to Digital Lending, with CEO Luke Voiles 47:05
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Afspil senere Afspil senere Lister Like LikedLex chats with Luke Voiles, the CEO of Pipe - a modern capital platform built to connect business owners to fast, frictionless, dilution-free funding. Luke kicks off discussing his experience in the FinTech industry. He talks about his transition from being an investor to working in FinTech. Luke shares his background in distressed credit investing and how it led him to focus on lending money to other lenders. He then discusses his role at Intuit, where he helped build QuickBooks Capital and gained valuable experience in tech, leadership, and product development. Luke also talks about his time at Square and Square Banking, where he learned about being a true CEO and P&L owner. He then joined Pipe and discusses the stage at which the company was when he joined and the core concept of revenue-based financing. Luke explains the differences between revenue-based financing, invoice factoring, and other fixed income instruments. He also talks about the pivot that Pipe made and the focus on Pipe Capital as a service. Luke discusses the importance of platforms and embedded finance in reaching small businesses and explains how Pipe works with SaaS vertical software providers. He emphasizes the value of giving small businesses access to credit and criticizes other FinTechs that have made mistakes in scaling their businesses. Luke concludes by providing contact information for himself and Pipe. MENTIONED IN THE CONVERSATION Pipe's Website: https://bit.ly/3WGQrJN Luke's LinkedIn: https://bit.ly/4dpDh9P Topics: Fintech, revenue-based finance, embedded finance, unicorn, SaaS, entrepreneur, lending, capital Tags: Pipe, Square, Stripe, PayPal, Intuit, OnDeck, Alloy, Increase ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’07: From Distressed Credit to FinTech Leadership: Luke's Journey from Sixth Street Partners to Intuit and Beyond 7’17: Square Banking and the Evolution of Leadership: Navigating Single-Threaded and Functional Structures 14’53: Pipe's Transformation: Joining and Steering one of the Fastest Unicorns in History 18’46: Understanding Revenue-Based Financing: Defining Factoring, Merchant Cash Advances, and More 26’39: The Power of Storytelling: How Pipe's Vision and Innovation Led to Unicorn Status 28’39: Pivoting Pipe: Adapting Strategy and Overcoming Growth Challenges 37’25: The Future of Small Business Banking: Embedded Finance and SaaS Vertical Platforms 41’35: Navigating Regulatory Challenges: Pipe's Embedded Finance and Compliance Strategy 46’23: The channels used to connect with Luke & learn more about Pipe Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
1 Embedding Insurance in digital lending, with Danielle Sesko of TruStage 39:58
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Afspil senere Afspil senere Lister Like LikedLex chats with Danielle Sesko about insurance and innovation in the fintech sector. They discuss the purpose of insurance and why it exists, the structure of insurance companies, the challenges of insurance innovation, and the integration of insurance into digital lending platforms. Sesko explains that insurance is necessary because most people cannot sustain a total loss of their assets, such as their homes or businesses. She also discusses the regulatory structure of insurance in the US, which is regulated on a state-by-state basis. Sesko describes the product she is working on at TruStage, which provides insurance coverage for loans in the digital lending space. The insurance is designed to protect both the borrower and the lender in case of unexpected events, such as job loss or disability. Sesko explains the technology integrations between insurance and digital lending platforms and the economics of the product. She also discusses the challenges and opportunities in the insurtech industry. MENTIONED IN THE CONVERSATION TruStage's Website: https://bit.ly/3WibyC1 Danielle's LinkedIn: https://bit.ly/3XUZNmp Topics: InsurTech, Insurance, Digital Lending, Lending, embedded finance, embedded insurance, API, fintech Tags: TruStage, Payment Guard, Lending Club, FDIC ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’27: From Financial Consulting to Insurance Innovation: Danielle Sesko’s Journey in Financial Services 4’58: The Role and Necessity of Insurance: Insights on Financial Resiliency and Industry Structure 9’52: Innovation in Insurance: Creating Relevant Products and Navigating Regulations 13’39: Navigating US Insurance Regulations: Engaging State Regulators and Structuring Underwriting for New Products 17’59: Adapting to FinTech: How Established Underwriters Leverage Experience for Digital Lending Innovation 20’48: Assessing the Rise of Digital Lending: Timing, Consumer Preferences, and Regulatory Challenges in FinTech and InsurTech 27’39: Bridging the Gap in Digital Lending: Ideal Customers for PaymentGuard and Their Unique Needs 31’21: Defining Digital Lending Coverage: Target Workflows and Payment Flows for Embedded Insurance Solutions 34’36: Understanding PaymentGuard's Economics: Coverage Duration, Cost Structure, and Value for Digital Lenders 37’42: Integrating InsurTech and Digital Lending: The Technology and Processes Behind Embedding Insurance Solutions 40’11: The channels used to connect with Danielle & learn more about TruStage Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 How Provenance blockchain tokenised $10B+ of Real World Assets, with Provenance Foundation CEO, Anthony Moro 47:15
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Afspil senere Afspil senere Lister Like LikedLex chats with Anthony Moro, CEO of Provenance Foundation. Provenance is a blockchain platform for real-world assets and has a focus on financial services. Moro discusses his background in the traditional financial industry, particularly in security servicing, and explains how Provenance is positioning itself as a good control location for ownership of securities. He highlights the inefficiencies and high costs associated with intermediated securities transactions and explains how Provenance aims to provide a more efficient and secure alternative. Moro also discusses the technology stack of Provenance, which is built on the Cosmos network, and explains the importance of purpose-built blockchain networks for financial services. He also touches on the topics of noncustodial networks, ledgering, and the importance of network uptime in financial services. Moro concludes by discussing the future vision for Provenance, including the tokenization of trillions of dollars of financial assets and the role of Provenance in enabling asset issuers and service providers to transact efficiently on the platform. MENTIONED IN THE CONVERSATION Provenance's Website: https://bit.ly/3xLpXx6 Anthony's LinkedIn: https://bit.ly/3VIl3Jn Companies: Provenance, Sofi, Provenance Blockchain Labs, ProvLabs, Ethereum, Cosmos, Merrill Lynch, Figure Technologies, Figure Markets Topics: Blockchain, tokenisation, capital markets, DeFi, TradFi, NFT, Financial Services, Governance, crypto ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’28: From Traditional Finance to DeFi: Insights on Provenance and Financial Services 4’48: The Complexities of ADRs: Insights on Traditional and Decentralized Financial Systems 8’54: Provenance and Blockchain Innovation: From SoFi Founders to Cosmos Network Integration 13’17: Transforming Capital Markets: The Evolution of Figure's HELOC Business and Blockchain Integration 17’28: Revolutionizing Mortgages with Blockchain: The Impact of NFT Mortgages and Disinflationary Technology 21’20: Exploring Alternative Investments: The Value of Pork Bellies and the Unexpected Tale of Uranium 26’39: Bridging Provenance and Ethereum: Open Source Development and Financial Services Security 30’01: Revolutionizing Governance in Financial Services: Provenance's Approach and Future Directions 32’56: Navigating Centralized Exchanges: Bringing an Institutional Network to Retail Markets 39’20: Regulatory Shifts in Crypto and FinTech: Navigating the Evolving Landscape Ahead of US Elections 42’49: Embracing the Future of Tokenization: Provenance's Vision for Retail Inclusion and Financial Services 46’31: The channels used to connect with Anthony & learn more about Provenance Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 What makes a successful AI investor, with Fusion Fund Founder Lu Zhang 49:08
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Afspil senere Afspil senere Lister Like LikedLex chats with Lu Zhang, the founder and managing partner at Fusion Fund, a venture fund that invests in deep technology, including artificial intelligence (AI) and healthcare. They discuss Lu's experience as an entrepreneur and the challenges she faced in building her own company. Lu also shares her investment thesis on AI, highlighting the opportunities in AI application and infrastructure. She believes that while large tech companies dominate the consumer AI market, there are still opportunities for startups in enterprise AI, particularly in industries with high-quality data and a need for AI solutions. Lu also discusses the potential of edge computing and the importance of addressing energy consumption and data privacy in AI infrastructure. She emphasizes the coexistence of large and small AI models and the need for practical, cost-efficient solutions. Finally, Lu discusses the revenue pools for AI companies and the growing awareness and adoption of AI in enterprises. She encourages startups to focus on reducing energy consumption in AI and addressing sustainability challenges. MENTIONED IN THE CONVERSATION Fusion Fund's Website: https://bit.ly/4egJMgp Lu's LinkedIn: https://bit.ly/3KIWozf Topics: Venture Capital, VC, Innovation, Artificial Intelligence, Startup, Infrastructure, LLM, Decentralized AI, Healthcare Companies: Fusion Fund, OpenAI, IBM, Microsoft, Nvidia, AMD ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’30: From Entrepreneur to VC: Insights from Building and Exiting a Successful Healthcare Startup 5’50: Navigating Startup Challenges: Overcoming Obstacles and Embracing Growth in My Entrepreneurial Journey 9’56: From Founder to Investor: Experiencing the Transition and Learning to Say No 15’16: Fusion Fund’s AI Investment Thesis: Identifying Trends, Opportunities, and Challenges in Artificial Intelligence 23’03: Comprehending Enterprise AI: Ensuring Startups Thrive Without Being Captured by Big Corporates 26’48: The Challenges and Opportunities in Selling Large AI Models to Enterprises: Fine-tuning The Sales Process and Building Strategic Partnerships 30’31: Exploring AI Infrastructure Investments: Paths to Acquisition and IPO in a Competitive Landscape 36’24: AI Infrastructure Gaps: Identifying Opportunities and Challenges in the Evolving Value Chain 40’53: The Future of Decentralized AI: Commercial Opportunities and Economic Dynamics in a World of Personal AI Models 47’07: Key Opportunities in AI: Unmet Needs and Ideas for Future Startups 48’08: The channels used to connect with Lu & learn more about Fusion Fund Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 The rise, fall, and turnaround of Better Mortgage, with CEO Vishal Garg 46:12
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Afspil senere Afspil senere Lister Like LikedLex chats with Vishal Garg, the CEO of Better Mortgage. Better is an all-in-one digital homeownership company. From finding a real estate agent and getting a mortgage, to shopping for homeowners insurance and title services, Better and its affiliates take customers through the entire homebuying process online. Garg shares the story of how he founded Better Mortgage after experiencing the difficulties of getting a mortgage online. He explains how he saw an opportunity to reimagine the mortgage industry and create a more efficient and consumer-friendly process. Garg discusses the challenges of scaling the company, going public through a SPAC, and navigating the changing market conditions. He also shares his optimism for the future of Better Mortgage, highlighting the company's focus on efficiency, automation, and sustainable growth. MENTIONED IN THE CONVERSATION Better's Website: https://bit.ly/456T3Ub Vishal's LinkedIn: https://bit.ly/4e52szk Topics: fintech, mortgage, digital lending, digital mortgage, SPAC, interest rates Companies: Better.com, Better mortgage, Fannie Mae, Freddie Mac, Goldman Sachs, SoftBank ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’33: Revolutionizing Mortgages: Vishal's Journey from Frustration to Fintech Innovation 6’41: Cracking the Mortgage Code: Leveraging Fintech Experience to Disrupt a Stagnant Industry 11’11: Overcoming Startup Challenges: Innovating in the Mortgage Industry and Securing Early-Stage Financing 15’25: Recruiting Top Talent: How to Attract High-Caliber Professionals to Revolutionize the Mortgage Industry 20’32: Scaling to Success: The Rapid Growth, Economics and Strategic Milestones of Better Mortgage 24’48: Balancing Growth and Profitability: Navigating Blitz Scaling and Cultural Shifts at Better Mortgage 28’17: Understanding the SPAC Process: The Market Conditions, Expectations, and Challenges of Going Public 34’20: Facing Macro Headwinds: The Declining Efficiency and Financial Challenges in a Changing Market 36’50: Balancing External Stressors and Internal Efficiency: Navigating Market Changes and Organizational Challenges 39’04: From Private to Public: Better Mortgage's Evolution, Current State, and Optimistic Future 43’11: Overcoming Market Shifts: Vishal Garg on Better Mortgage's Resilience and Path to Profitability 45’30: The channels used to connect with Vishal & learn more about Better Mortgages Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 The AI-led digital wealth revolution, with Origin CEO Matt Watson 41:55
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Afspil senere Afspil senere Lister Like LikedLex chats with Matt Watson, the founder and CEO of Origin, a comprehensive money management platform for the modern workforce. Watson discusses his background as an entrepreneur and his first fintech experience working on Wall Street. He also talks about his previous business in the commercial insurance space and the challenges of building out the go-to-market function for that company. Watson then explains the concept behind Origin and its focus on providing a mass-market private banking experience for the underserved segment of the population with investable assets below $500,000. He discusses the company's go-to-market strategy, its target market, and its monetization strategy. Watson also touches on the collapse of Mint and the opportunity it created for Origin, as well as the role of generative AI in financial planning and guidance. He concludes by discussing the ownership of data and the challenges of accessing and utilizing consumer financial data in the industry. MENTIONED IN THE CONVERSATION Origin's Website: https://bit.ly/4bJcMvc Matthew's LinkedIn: https://bit.ly/3ym8mMa Topics: fintech, AI, artificial intelligence, PFM, personal financial management, embedded finance Companies: Origin, Origin Finance, Mint, Mint.com, Plaid, LearnVest, Column Tax, Intuit, Yodlee, ChatGPT ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’07: The Entrepreneurial Journey: From Family Influence to Fintech Ventures 3’55: Building the Go-to-Market Function: Penetrating and Innovating in the Insurance Agency Software Market 7’55: Challenges in Financial Vertical Software: Entrenched Systems and High Switching Costs 10’08: Exploring Origin: Addressing the Financial Services Gap for the Mass Affluent 18’16: Evolving Data Aggregation in Fintech: Addressing Costs and Open Banking Trends 22’30: Origin’s Business Model and Market Dynamics in Mass Affluent Financial Services: Lessons from Lead Generation Giants 26’01: Building Financial Solutions In-House: Origin's Approach to Planning, Investing, and Tax 29’24: The Collapse of Mint: Catalyzing Opportunities for Origin in B2B and B2C Markets 31’26: Leveraging Generative AI in Financial Planning: Enhancing Guidance and Managing Challenges 35’47: Understanding the Demand for AI Financial Planning: Challenges and Consumer Behavior 40’22: The Future of Financial Data Control: Consumer-Driven Analysis and Insights in a Tokenized World 41’07: The channels used to connect with Matthew & learn more about Origin Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Building Artificial Intelligence we can trust using ZK Proofs, with EZKL CEO Jason Morton 41:01
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Afspil senere Afspil senere Lister Like LikedLex chats with Jason Morton, CEO of EZKL - EZKL is a technology that helps people build around artificial intelligence using zero-knowledge proofs (ZK proofs) and the latest in technology. Jason explains that ZK proofs are a way to prove that a computation has been executed correctly without revealing any sensitive information. The proofs can be used to verify the execution of AI models, statistical models, and other computations on blockchain networks. EZKL provides a command line tool, a backend proving service, and a Python library for developers to use. The company's economic model involves licensing the components of the system and running backend services. In the future, EZKL aims to provide a more complete solution for interacting with the technology. The demand for verifiable AI and ZK proofs is expected to come from both Web2 and Web3 companies, as well as enterprise clients MENTIONED IN THE CONVERSATION EZKL's Website: https://bit.ly/4dx1wUb Jason's Twitter: https://bit.ly/4boqumY Topics: fintech, machine learning, ai, artificial intelligence, llm, zk-proofs, zero-knowledge proofs, blockchain, web3 Companies: EZKL, Ethereum, Bitcoin, DARPA ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’18: From Mathematics to Machine Learning: Tracing the Journey of an AI Researcher" 3’47: Putting Theory Into Practice: Navigating the Evolution of Neural Networks and Blockchain 7’18: Understanding Zero-Knowledge Proofs: The Evolution and Impact of Cryptographic Privacy 11’02: Digital Trust and Privacy: How Zero-Knowledge Proofs Enhance Security and Authentication Online 16’15: From Consensus to Cryptography: Exploring the Transformative Impact of Zero-Knowledge Proofs on Blockchain Technology 22’30: Revolutionizing AI with Blockchain: The Strategic Focus of EZKL on Verifiable and Secure Machine Learning 28’18: Connecting Worlds: Bridging Advanced AI and Blockchain Technology for Economic and Computational Efficiency 31’21: Strategic Transparency: Integrating Proofs in Smart Contracts for Trustworthy Investment Strategies 35’44: EZKL Defined: Navigating the Blend of Product, Library, and Framework in Blockchain Proofs 38’48: Blurring Lines: Will Web3 Innovations or Traditional Web2 Enterprises Drive the Future Demand for EZKL? 40’28: The channels used to connect with Jason & learn more about EZKL Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 How Affirm built the Buy Now Pay Later (BNPL) industry, with President Libor Michalek 44:11
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Afspil senere Afspil senere Lister Like LikedLex chats with Libor Michalek, the President of Affirm, a buy now, pay later (BNPL) company. Michalek discusses his early experiences with the internet and how it shaped his understanding of technology and its potential in the financial services industry. He explains how Affirm was founded with the goal of building honest financial products that improve people's lives, and how the convergence of e-commerce, mobile technology, machine learning, and access to consumer information enabled the company to create a credit product that aligned with consumer interests. Michalek also discusses the challenges of building a technology-driven finance company, the performance of Affirm's loans compared to credit cards and personal loans, and the company's approach to competition and future growth. MENTIONED IN THE CONVERSATION Affirm's Website: https://bit.ly/3Qo2DvI Libor's LinkedIn: https://bit.ly/4bfsQVk Topics: fintech, buy now pay later, BNPL, e-commerce, machine learning, loans, credit, credit cards, payments Companies: Affirm, Thinking Machines Corporation, PayPal, Amazon ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’00: Internet Pioneers and Business Innovation: Libor Michalek touches on Early Web Experiences 4’56: Digital Transformation and Commerce: Unpacking the Consumer Insights and Technological Advances That Fuelled the E-commerce Explosion 9’18: Beyond Traditional Finance: How Affirm's Founding Insights and Technological Integration Redefined Fintech in the 2010s 13’14: Redefining Credit: Exploring the Consumer Demand for Transparency and Fairness in Financial Products with Affirm 19’04: Integrating Innovation: How Affirm's Unique Approach to E-commerce and Payments Shaped Its Market Strategy 23’47: Machine Learning and Financial Innovation: Launching Affirm's Transaction-Specific Underwriting Models 27’56: Assessing Investment Opportunities: The Risk and Return Profile of Affirm's Customer Loans from an Institutional Perspective 32’11: Empowering Customers: Affirm's Commitment to Transparency and Support in Financial Services 37’42: Leading the Charge: Navigating Competition and Innovation in the Buy Now, Pay Later Market 41’22: Defining Innovation in FinTech: Distinguishing Between Technology-Driven and Finance-First Companies 43’29: The channels used to connect with Libor & learn more about Affirm Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Betterment's path to $45B and beyond, with CEO Sarah Levy 47:42
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Afspil senere Afspil senere Lister Like LikedLex chats with Sarah Levy, CEO of Betterment - the largest independent digital investment advisor. Levy kicks off the conversation by discussing her career journey from working in the media industry to leading a fintech company. Levy explains that she was attracted to Betterment's mission of making people's lives better and saw the potential for growth and scale in the company. She also highlights the importance of brand building and understanding the customer in creating a successful business. Levy discusses Betterment's core products, including its retail robo-advisory service and its 401(k) offering for small and medium-sized businesses. She explains that Betterment aims to be a holistic investing home for its customers, focusing on expanding access and offering more account types and asset classes. Levy also discusses the potential for Betterment to offer self-directed investing options in the future. MENTIONED IN THE CONVERSATION Betterment's Website: https://bit.ly/3Uq5gPK Sarah's LinkedIn: https://bit.ly/4d5aGqJ Topics: Fintech, embedded finance, banking, investment, RIA, Tax, roboadvisor, advisory, branding, 401k Companies: Betterment, Nickelodeon, Disney, Viacom, Schwab, Fidelity ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’10: From Nickelodeon to Betterment: Tracing Sarah Levy's Journey Through Media and FinTech 7’22: Brand Personification and Audience Engagement: Exploring Digital Transformation with a lens on the consumer 13’33: Mission and Brand Resonance: Transitioning Leadership at Betterment 16’50: Initial Impressions and Strategic Directions: Enhancing Betterment's Brand and Services 21’41: Refining FinTech: How Betterment Evolved to Meet the Needs of Modern Investors 24’58: Building Betterment's 401k Business: Strategic Growth and Market Opportunities 34’45: Revamping RIA Economics: Betterment's Innovative Approach to Advisor Services 39’41: Beyond the Super App: Betterment's Strategic Approach to FinTech Diversification 44’12: Focused Growth: Betterment's Strategic Decision to Prioritize Long-Term Investing Over Self-Directed Trading 47’09: The channels used to connect with Sarah & learn more about Betterment Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Powering $2.5T of Private Equity, with Carta Head of Policy Anthony Cimino 41:54
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Afspil senere Afspil senere Lister Like LikedLex chats with Anthony Cimino, the head of policy at Carta - an equity management company that builds the infrastructure for innovators, supporting approximately 35,000 companies, over 2.2 million stakeholders, and more than 5,000 funds. Cimino discusses his background in government and policy in the financial services industry and how he got involved in finance and policy. He explains the role of policy in the fintech industry and the importance of engagement with policymakers. Cimino also talks about Carta's core business of cap table management and valuation services, as well as their fund administration business. He discusses the challenges and opportunities in the private markets industry, including the barriers to entry for investors and the need for more access and standardization. Cimino also mentions Carta's focus on supporting founders and their plans to expand globally. He emphasizes the role of policy in unlocking capital and creating access to private markets. MENTIONED IN THE CONVERSATION Carta's Website: https://bit.ly/3U92K0w Anthony's LinkedIn: https://bit.ly/3J6u5db Topics: fintech, regulation, policy, private markets, fund administration Companies: Carta, SEC, Committee on Financial Services ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’23: From Capitol Hill to Financial Crisis Management: Tracing Anthony's Journey through Finance and Policy 6’24: Building Trust in Turbulent Times: The Crucial Link Between Public Engagement and Policy Formation 10’50: Shaping the Future of Finance: The Essential Role of Stakeholder Engagement in Policy and Regulation 14’50: Digitizing Equity: Carta's Impact on Private Markets and the Future of Financial Infrastructure 20’07: Unlocking Private Markets: Navigating Complexity and Challenging Paternalistic Regulations 24’17: Expanding Economic Opportunity: The Imperative of Broadening Access to Private Markets 27’27: Beyond Data: Carta's Vision for Empowering Founders and Investors in the Private Market Ecosystem 31’50: Tailoring Growth: How Carta Supports Founders from Startup to Public Transition 34’39: Navigating the Terrain: The Dynamics of Private Fund Administration in Changing Economic Climates 38’56: Charting the Future: Carta's Vision for Empowering Founders, Revolutionizing Fund Administration, and Expanding Global Footprints 40’57: The channels used to connect with Anthony & learn more about Carta Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 How NVIDIA is accelerating financial services into the AI age, with NVIDIA Global Head of Financial Services Industry Malcom deMayo 47:42
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Afspil senere Afspil senere Lister Like LikedLex chats with Malcolm deMayo, Global Vice President for Financial Services at Nvidia. deMayo kicks off the discussion on how Nvidia has been working with financial services firms for over 15 years, providing accelerated compute platforms to help solve compute-intensive challenges in trading, banking, and insurance. DeMayo explains that Nvidia's hardware accelerators, such as GPUs, can execute thousands of instructions at a time, resulting in a significant speedup compared to traditional CPUs. He highlights the use of AI and machine learning in various financial services applications, including fraud detection, sentiment analysis in trading, and process automation in banking. DeMayo also discusses the emergence of Generative AI, which enables the generation of unique content and the potential for human-like engagement in customer service. He emphasizes the importance of collaboration between business and AI teams for successful AI deployment and mentions the role of open-source models and federated learning in the future of AI. MENTIONED IN THE CONVERSATION Nvidia's Website: https://bit.ly/3TwEDXO Malcom's LinkedIn: https://bit.ly/3xeimqa Topics: AI, Artificial intelligence, Machine learning, accelerated compute, compute, generative AI, genAI, financial services, Neural networks Companies: Nvidia, OpenAI, Google, Microsoft, EvidentAI, AlexNet ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’35: Beyond Moore's Law: Nvidia's Pioneering Role in Financial Services Innovation 6’56: Revolutionizing Efficiency: The Transformative Impact of GPU-Accelerated Computing in Finance 14’12: Unlocking Efficiency: How Nvidia's Accelerated Compute Platform Revolutionizes Machine Learning in Finance 19’52: Transforming Finance: The Power of Machine Learning in Fraud Detection and Market Analysis 29’15: From Data Custodianship to AI Revolution: Nvidia's Pivotal Role in Transforming Finance with Generative AI 35’03: Beyond Classification: Nvidia's Role in Fueling Generative AI's Impact on Financial Services Innovation 42’04: Shaping the AI Landscape: The Dynamic Between Open Source Innovation and Proprietary Models in Financial Services 47’01: The channels used to connect with Malcom & learn more about Nvidia Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 The promise behind investing in private credit, with Percent CEO Nelson Chu 44:37
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Afspil senere Afspil senere Lister Like LikedLex chats with Nelson Chu, founder and CEO of Percent - the modern credit marketplace. Nelson kicks off the discussion b by walking through his inspiration for building the private credit marketplace and the challenges of operating in the fintech industry. He explains that Percent aims to provide a better alternative investment platform for credit investors by offering shorter durations and lower minimum investments. Nelson also discusses the importance of infrastructure in the private credit market and the need for technology to streamline processes. He highlights the different types of investors and borrowers that use Percent's platform and the challenges of building a three-sided marketplace. Nelson also touches on the impact of macroeconomic factors, such as interest rates, on the private credit market and the role of data and AI in the industry. MENTIONED IN THE CONVERSATION Percent's Website: https://bit.ly/3x3w8Mg Nelson's LinkedIn: https://bit.ly/4a5Nwym Topics: Private credit, lending, borrowers, underwriting, AI, artificial intelligence, investment, alternative investment, fintech, marketplace Companies: Percent, Lending Club, LendIt, Prosper, Blackstone ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’12: From FinTech Consulting to Revolutionizing Private Credit: The Genesis of Percent 4’33: Unveiling the Void: The Journey to Establishing Essential Infrastructure in Alternative Investments 6’55: Decoding Private Credit: Navigating Yields, Risk, and Investor Dynamics in Short-Duration Fixed Income 14’01: Investor Trends and Platform Evolution: The Shifting Terrain of Private Credit Investments 19’15: Building the Bridge: Crafting the Infrastructure to Power a Tripartite Financial Marketplace 26’15: Mastering Multi-Sided Markets: Strategies for Bootstrapping Borrowers, Investors, and Underwriters 31’26: Tech as the Catalyst: Navigating the Fusion of Traditional Finance and Innovative Infrastructure in Private Credit 36’49: Adapting to Shifts: The Impact of Changing Interest Rates on the Private Credit Landscape 40’16: Unlocking Potential with AI: How Proprietary Data Sets Are Shaping the Future of Finance 43’15: The channels used to connect with Nelson & learn more about Percent Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Saving DeFi from financial hacks, with Quantstamp CEO Richard Ma 37:12
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Afspil senere Afspil senere Lister Like LikedLex chats with Richard Ma, CEO of Quantstamp -a leading blockchain security company. Richard kicks off by discussing the origins of the company and the importance of security in the blockchain space. He explains that the idea for Quantstamp came after he invested in Ethereum and witnessed the hack of the DAO, which prompted him to focus on the security side of Ethereum. Richard describes how Quantstamp conducts audits of blockchain projects, identifying vulnerabilities and providing recommendations for improvement. He emphasizes the importance of reading audit reports and understanding the risks associated with projects. Richard also discusses different types of adversaries in the blockchain space, including nation-state actors, developers seeking recognition, and financially motivated hackers. He believes that while established projects will become more secure over time, new experimental projects will always carry some level of risk. Richard suggests that AI-based debuggers could help improve security auditing in the future. He highlights EigenLayer, ZK-rollups, and the development on Solana as exciting sectors to watch in the coming years. MENTIONED IN THE CONVERSATION Quantstamps's Website: https://bit.ly/3Iv6zX4 Richard's LinkedIn: https://bit.ly/3IvaxyO Topics: blockchain, security, audit, hacking, hacks, crypto, cryptocurrency, digital assets, Web3, DeFi Companies: Quantstamp, Ethereum, MakerDAO, Compound, EigenLayer ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’30: From High-Frequency Trading to Fintech Innovator: The Journey to Creating Quantstamp 9’26: Demystifying the Audit Process: Inside Quantstamp's Approach to Securing Blockchain Projects 15’04: The Art and Challenge of Blockchain Audits: Navigating the Complex World of Code Review 19’37: The Nomad Hack: A Case Study in Preventability and the Importance of Diligence in Code Auditing 24’39: Web3's Adversarial Landscape: Unpacking the Motivations Behind Crypto Hacks and Security Breaches 29’13: The Ethical Dilemma of Crypto Hacking: Navigating the Fine Line Between Exploitation and Market Manipulation 34’59: Exploring the Frontier: Key Innovations Shaping the Future of Blockchain in 2024 and Beyond 36’34: The channels used to connect with Richard & learn more about Quantstamp Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Building on Bitcoin Lightning Network and Lessons from Libra, with Lightspark Chief Strategy Officer Christian Catalini 50:51
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Afspil senere Afspil senere Lister Like LikedLex chats with Christian Catalini, co-founder and chief strategy officer of Lightspark - a company aiming to break down global payment barriers, throwing its weight behind a new standard intended to make payments as easy as sending an email. Christian kicks off by discussing his career in blockchain and academia, as well as the challenges and opportunities in the fintech industry. He explains how he became interested in crypto through his research on crowdfunding and how he later focused on Bitcoin and cryptocurrencies. Catalini also discusses the importance of decentralized governance and the potential of Bitcoin as a global payment network. He introduces Lightspark's products, including Lightspark Predict and Universal Money Addresses (UMA), which aim to make Lightning Network more efficient and user-friendly for cross-border money movement. He emphasizes the need for compliance and regulatory clarity in the crypto industry and highlights the role of various partners in facilitating on and off-ramps between digital assets and traditional payment systems. MENTIONED IN THE CONVERSATION Lightspark's Website: https://bit.ly/3uQ0Nw1 Christian's LinkedIn: https://bit.ly/3UVwBu3 Topics: blockchain, crypto, cryptocurrency, Bitcoin, Digital Assets, AI, cross border, payments, lightning network Companies: Lightspark, Diem, Libra, Meta Fintech, MIT, MIT Cryptoeconomics Lab ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’22: Bridging Worlds: From Academic Inquiry to Entrepreneurial Action in the Crypto and Crowdfunding Era 7’12: Innovating at the Intersection: From the Creative Destruction Lab to the Cryptoeconomics Lab at MIT 13’00: Designing Stability: The Economic Architecture and Vision Behind the Diem Experiment 18’37: Governance and Trust in Crypto: Navigating the Complex Landscape from Diem to Bitcoin 25’42: Money as a Public Good: The Evolutionary Path of Bitcoin and Digital Assets in the Global Economy 31’57: Unleashing Potential: Crypto and AI's Complementary Forces in Shaping the Future of Open Source Technology 37’02: Universal Money Addresses: Revolutionizing Global Transactions with Seamless, Compliant, and Real-Time Payments 41’31: UMA and Bitcoin: Simplifying Cross-Border Payments with a Global, Liquidity-Driven Settlement Layer 46’49: Integrating Innovations: How UMA Partners Enable Smooth Cross-Border Payments Through Bitcoin Liquidity and Local Infrastructure 50’14: The channels used to connect with Chris & learn more about Lightspark Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 How AI is generating and digitizing documentation across financial services, with Arteria AI CEO Shelby Austin 40:06
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Afspil senere Afspil senere Lister Like LikedLex chats with Shelby Austin, co-founder and CEO of Arteria AI - Arteria AI is an AI-focused company that develops a contract lifecycle management platform for end-to-end digital contracting. Shelby kicks off by discussing her career journey and the development of her company, which focuses on solving documentation challenges in the financial services industry using artificial intelligence (AI). Shelby explains that Arteria AI uses a combination of people and technology to streamline document management processes, such as onboarding, contract generation, and data organization. The company leverages a variety of AI models, both open-source and proprietary, to analyze and generate documents. Shelby emphasizes the importance of user-centric design and practical application of AI in solving real problems for financial institutions. She also discusses the challenges and opportunities of working with large financial firms, including data security and integration with existing infrastructure. MENTIONED IN THE CONVERSATION Arteria AI's Website: https://bit.ly/3SLtWAr Shelby's LinkedIn: https://bit.ly/3I11568 Topics: AI, Artificial Intelligence, ChatGPT, documentation, finance, analytics, contract processing Companies: Arteria AI, Arteria, Deloitte, OpenAI ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’23: From Law to Innovation: Shelby Austin's Journey Through Legal Grind to Tech Entrepreneurship 6’41: Digitizing Diligence: Pioneering Data Management in Legal Workflows 9’10: From Legal Documents to AI Frontiers: Navigating the Transition into Technological Leadership at Deloitte 17’27: Reimagining Documentation: The Genesis of Arteria and the Evolution of Financial Services Solutions 22’32: Simplifying Complexity: Arteria's Solutions for Streamlining Documentation and Compliance Processes 26’44: Transforming Documentation: Arteria's Multimodal Approach to Financial Services Paperwork 32’03: Crafting AI Solutions in Finance: Navigating the Landscape of Models Beyond the Hype 36’16: Building Bridges in Finance: Exploring the Complex Landscape of AI Integration with Major Financial Firms 39’25: The channels used to connect with Shelby & learn more about Arteria AI Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 The evolution of derivates from structured products to decentralized perpetuals, with SynFutures CEO Rachel Lin 35:47
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Afspil senere Afspil senere Lister Like LikedLex chats with Rachel Lin, the Co-Founder & CEO of SynFutures, a decentralized derivatives trading platform. Lin discusses her background in traditional finance and her transition into the fintech and cryptocurrency industry. She explains her experience working in structured derivative sales and trading at Deutsche Bank, where she interacted with clients such as hedge funds and corporates who used derivatives for speculative purposes, hedging, and arbitrage. Lin then moved to fintech company Alipay, where she learned about blockchain technology and became interested in the potential of decentralized finance. She later joined Matrixport, a centralized platform, before starting her own decentralized derivatives platform, SynFutures. Lin explains that decentralized platforms offer transparency and the ability for anyone to become a market maker or service provider, while centralized platforms require more configuration and rely on market makers. She also discusses the growth potential of decentralized derivatives and the current dominance of speculation in the crypto derivatives market. Lin believes that as digital economies grow, the usage of blockchain and derivatives for economic purposes will also increase. MENTIONED IN THE CONVERSATION SynFuture's Website: https://bit.ly/3OCDRaa Topics: crypto, digital assets, investment, blockchain, AMM, DeFi, CeFi, Liquidity, hedging, arbitrage, derivatives, perps, synthetic Companies: Synfutures, Alipay, Matrixport, DYDX, GMX, Synthetix, Deutsche Bank, Uniswap ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’23: Trading Illusions for Insights: Navigating the Complex World of Financial Derivatives 6’35: Hedging Needs vs. Market Speculation: Deciphering the Derivatives Landscape 10’54: Institutional to Retail: Transitioning Through Chinese Fintech and Cryptocurrency Markets 16’16: SynFutures: Unlocking Decentralized Derivatives Trading for All 20’54: Synthetic Derivatives and Leverage: Amplifying Trades on Decentralized Platforms 26’56: DeFi Derivatives: AMM Liquidity, Competition, and the Future of Synthetic Trading 32’13: The promise of Crypto Derivative Markets: Beyond Speculation - Hedging, Arbitrage, and the Promise of Digital Economies 35’00: The channels used to connect with Rachel & learn more about SynFutures Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Investing in frontier capital markets, from Eastern Europe to ICOs, and tokenized securities, with TenSquared Capital Managing Partner Stan Miroshnik 43:45
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Afspil senere Afspil senere Lister Like LikedLex chats with Stan Miroshnik, founder and managing partner of 10Squared Capital, discusses his early experiences in financial services and his journey into the world of digital assets and crypto. He talks about the challenges of navigating the ICO market and the importance of price discipline in investing. Miroshnik also shares his insights on the current state of the market and the opportunities he sees in sectors such as infrastructure, consumer applications, data analytics, and financial services. He also discusses the potential of security tokens and real-world asset tokenization. MENTIONED IN THE CONVERSATION 10Squared Capital's Website: https://bit.ly/3ShddVm Stan's LinkedIn profile: https://bit.ly/3w8kO0S Topics: crypto, digital assets, venture capital, investment, blockchain, ICO, tokenization Companies: TenSquared Capital, 10THoldings, 10T, 10SQ, Animoca, Coatue, Tiger, Civic ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’28: Navigating the Financial Landscape: From Soviet Childhood to Blockchain Innovation 4’03: Transitioning from Soviet Roots to Global Finance: A Journey Through Capital Markets and the Emergence of Digital Assets 11’07: Emergence of Russian Capital Markets: Navigating the Complexities of Financial Evolution and Integration 15’15: Bitcoin and the Birth of a New Capital Market: Pioneering Digital Asset Investment Banking 19’13: Compliance Complexity in 2024: Navigating the Evolving Landscape of Digital Asset Regulation 23’25: Reflecting on the ICO Market: Balancing Innovation, Speculation, and the Evolution of Digital Assets 27’53: From ICOs to Institutional Investment: Charting the Evolution of Digital Asset Markets with 10T Holdings and TenSquared Capital 32’18: Assessing Growth Stage Investments in the Digital Asset Space: Navigating the Challenges of Valuation and Opportunity in 2021-2022 35’24: Identifying Emerging Leaders in Digital Assets: A Look at Key Sectors and Companies Shaping the 2024 Market Landscape 36’25: Exploring the Future of Digital Assets: Exploring Infrastructure, Consumer Applications, and Financial Services in the Blockchain Ecosystem 43’04: The channels used to connect with Stan & learn more about TenSquared Capital Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Building modern digital lending across Capital One, Barclaycard, Funding Circle, and TRIVER, with TRIVER CEO Jerome Le Luel 47:05
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Afspil senere Afspil senere Lister Like LikedLex chats with Jerome Le Luel, founder and CEO of TRIVER - a London-based startup that uses open banking data and AI to provide short-term working capital to SMEs. To kick off, Jerome discusses the application of AI in fintech lending for small businesses. He explains that traditional banks have struggled to automate lending decisions for SMEs due to regulatory constraints and manual underwriting processes. However, with the emergence of open banking and the ability to access transaction-level data, fintech companies like TRIVER can use data science to automate underwriting decisions and provide instant capital to small businesses. TRIVER's platform allows SMEs to apply for short-term financing in a few clicks, using bank data and credit bureau information to make lending decisions. The capital comes from a combination of equity and debt raised by TRIVER, and the company is also exploring partnerships with non-financial institutions to embed its technology and offer instant capital to their SME clients. MENTIONED IN THE CONVERSATION TRIVER's Website: https://bit.ly/3OiT1RN Jerome's LinkedIn profile: https://bit.ly/3ubNWUz Topics: Fintech, lending, SME, SME finance, Open Banking, Underwriting, API Companies: TRIVER, Funding Circle, Barclays, Barclaycard, Capital One ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’29: From analytics to innovation: Pioneering credit card strategies in the UK with Capital One 4’13: Segmentation and innovation: How Capital One's early customer insights revolutionized consumer finance 9’19: Scaling financial services: Lessons in clarity, efficiency, and rigorous execution from Capital One's rapid growth 14’53: From challenger to major player: Navigating the shift to large-scale operations in financial services at Barclaycard 18’59: Risk management in lending: Balancing uncertainty, reward, and scaling in financial services 26’44: Innovating in Fintech: Leveraging flexibility and focus to outpace traditional banking at Funding Circle and TRIVER 31’37: Entrepreneurship and innovation: The impact of organizational culture and talent on Fintech advancements 33’53: Solving short-term SME finance challenges: TRIVER's innovative approach leveraging data science and open banking 40’23: Real-time SME underwriting: Leveraging transaction data and open banking for effective financial decisions at TRIVER 41’53: Empowering SMEs with instant capital: TRIVER's seamless integration of tech, data, and finance for efficient working capital solutions 46’02: The channels used to connect with Jerome & learn more about TRIVER Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Understanding Autonolas, the $2B autonomous agent network running on blockchain, with Valory CEO David Minarsch 55:47
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Afspil senere Afspil senere Lister Like LikedLex chats with David Minarsch, co-founder and CEO of Valory - a team focused on providing research, products, and services at the intersection of multi-agent systems (MAS) and distributed ledger technology (DLT), one of them being Autonolas - a platform that offers an open-source software stack and an on-chain protocol, facilitating secure operations and incentivizing autonomous application development. In this episode, David discusses the intersection of artificial intelligence (AI) and crypto networks. He explains that Valory is focused on building autonomous systems that connect to blockchain networks. David highlights the importance of AI agents in the future, as they can specialize in different roles and provide valuable services. He also discusses the launch of the Autonolas protocol on Gnosis chain, which allows for the creation of prediction markets and the coordination of autonomous services. David believes that autonomous agents will become the primary daily active users of crypto, providing a new user experience and abstraction for humans. MENTIONED IN THE CONVERSATION Valory's Website: https://bit.ly/4b3xuWP David's LinkedIn profile: https://bit.ly/3S5EF8n Topics: DLT, Distributed ledger technology, ai, blockchain, smart contract, game theory, autonomation, DAO, generative AI, crypto, economics Companies: Valory, Autonolas, Fetch.ai, OLAS, Gnosis, Cosmos ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’34: Mathematics to Game Theory: A Journey Through Academia and the Intricacies of Human Behavior 4’03: Network Games and Equilibria: Exploring Graph Theory and Game Theory in Economics at Cambridge 7’31: Quantitative Abstractions and Intuition: Navigating the Complexity of Equilibria in Economic Systems 12’08: From Academic Theory to Real-World Application: The Impact of Crypto Networks on Economic Modeling and Experimentation 16’17: Mathematics in Governance: Transforming Data for Constituency Insights and Political Decision-Making 19’04: From Human Insights to Blockchain Innovation: The Evolution of Fetch.ai and the Role of Autonomous Agents 23’36: Defining Autonomous Agents: The Evolution and Impact of AI-Driven Software Agents in Complex Systems 30’48: Agent Ownership and Automation: Exploring the Spectrum and Implications of Autonomous AI Systems 35’16: Autonolas Protocol and Valory Launch: Revolutionizing Autonomous Services and DAO Governance on the Gnosis Chain 39’44: Governance Through AI: Understanding the Role of Autonomous Agents in DAO Decision-Making and Proposal Analysis 43’34: OLAS Protocol on Gnosis Chain: Pioneering Autonomous Agents in Prediction Markets and DAO Governance 50’15: Envisioning the Future: The Rise of Autonomous Agents and AI in Crypto and Economic Systems 55’01: The channels used to connect with David & learn more about Valory Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 The state of Fintech and the sector's biggest opportunities, with FT Partners CEO Steve McLaughlin and Fintech Meetup CEO Jon Lear 51:57
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Afspil senere Afspil senere Lister Like LikedLex chats with Steve McLaughlin, CEO and founder of FT Partners - the premier financial technology investment bank, and Jon Lear, president and co-founder of Fintech Meetup - the leading fintech conference in the world today. They discuss the early days of fintech, the growth and evolution of the industry, and the current market trends. They also touch on the definition of fintech and its boundaries, as well as the sectors that are seeing the most activity and opportunity in the coming year. They highlight the importance of networks, infrastructure, and emerging markets in driving innovation and growth in fintech. MENTIONED IN THE CONVERSATION FT Partners' Website: https://bit.ly/3vEVbEG Fintech Meetup's Website: https://bit.ly/48Nuzji Steve's LinkedIn profile: https://bit.ly/48P6AAm Jon's LinkedIn profile: https://bit.ly/3Sgz7cs Topics: fintech, finance, financial technology, Investment Banking, Blockchain, crypto, paytech, insurtech, infrastructure Companies: FT Partners, Fintech Meetup, NASDAQ, ETrade, EarthPort, Visa, Mastercard, JP Morgan, Goldman Sachs, Stripe, Worldcoin, Intuit ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 2’21: From Goldman Sachs to FT Partners: Steve McLaughlin's Journey Through the Evolution of Fintech 6’39: Digital Finance Evolution: Steve expands on the Enduring Impact of Early Fintech Companies 9’35: Traversing the Fintech Landscape: Jon Lear’s journey from Procter & Gamble to Fintech Entrepreneurship and Beyond 15’58: Repeating Patterns in Fintech: Exploring Persistent Challenges and Innovations in Financial Technology 20’59: Defining Fintech: Navigating the Blurred Lines of Financial Technology in Today's Evolving Market 28’57: Emerging Ecosystems: How New Technologies Reshape Traditional Financial Services and Create Unique Economic Spheres 32’56: Fintech in Focus: Insights from Fintech Meetup on Market Dynamics, Innovation, and the Shift Towards Infrastructure 36’22: Risk Assessment in Fintech: Evaluating Current Market Dynamics and Venture Capital Trends in the Financial Sector 40’36: Navigating Challenges in Fintech: The Complex Dynamics of M&A and Growth Strategies Amid Market Volatility 43’39: Emerging Trends in Fintech: Identifying Growth Opportunities and Innovations in Blockchain and Payments 45’38: Future Fintech Frontiers: Uncovering Growth Sectors and Geographical Opportunities in the Financial Industry 50’57: The channels used to connect with Jon & learn more about Fintech Meetup 51’10: The channels used to connect with Steve & learn more about FT Partners Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Advancing Bitcoin with Lightning, Inscriptions, and L2s, with Blockstream's Chief Product Officer Jeff Boortz 44:51
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Afspil senere Afspil senere Lister Like LikedLex chats with Jeff Boortz, the Chief Product Officer of Blockstream. Blockstream is a company at the forefront of Bitcoin ecosystem development, and they discuss the new developments and innovations in the Bitcoin space. Boortz talks about his career background, including his time at Google, and how he transitioned to Blockstream. They also discuss the skills and differences between tech companies like Google and financial institutions when it comes to product management. Boortz explains the concept of decentralization in building software products and how it applies to Google's organizational structure. They then dive into Blockstream's core business, which includes advancing the Bitcoin protocol, building layer 2 technology like the Lightning Network, providing mining and co-location services, and developing self-custody products like wallets. They discuss the scale and usage of the Liquid Network, a sidechain implementation by Blockstream, and its potential for programmability and representing other assets. They also touch on the future of Bitcoin and the potential paths for development, particularly in the financial markets. MENTIONED IN THE CONVERSATION Blockstream's Website: https://bit.ly/3tzZ2Ck Jeff's LinkedIn profile: https://bit.ly/3tzZ3pS Topics: Bitcoin, layer-2, blockchain, ethereum, crypto, cryptocurrency, Protocol, L2 Companies: Blockstream, Bitcoin, Lightning Network, Google, Liquid Network, Blockstream Green, Ethereum, Product ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’44: From web development to Google: Jeff’s journey through technology and his evolution from software developer to shaping business strategies 6’03: Integrating tech in finance vs. core technology companies: Insights on skill sets and product development 13’17: Blockstream's mission and portfolio: Rethinking trust in financial transactions with Bitcoin and layer 2 technologies 16’52: Blockstream's core business: Building protocols and tools for Bitcoin-connected networks and services 20’27: Liquid Network's scale and programmability: Exploring blinded transactions and asset representation on Blockstream's sidechain 24’09: Bitcoin's evolution since 2009: Balancing decentralization with development and the institutional investment narrative 29’20: Lightning Network's progress: Enhancing Bitcoin's scalability and adoption through Layer 2 solutions 33’37: Lightning Network adoption: Balancing user convenience and enterprise applications in Bitcoin's Layer 2 37’24: Bitcoin's evolving ecosystem: Exploring Ordinals, inscriptions, and the surging interest in programmable assets 41’18: Reimagining financial markets: Blockstream's vision for trust-minimized finance and the path to equitable systems 43’45: The channels used to connect with Jeff & learn more about Blockstream Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 How Animoca Brands built an empire at the intersection of Gaming and Finance, with Animoca Brands Chairman Yat Siu 50:15
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Afspil senere Afspil senere Lister Like LikedLex chats with Yat Siu, co-founder and chairman of Animoca Brands - a global leader in blockchain and gaming that is working to provide property rights for virtual assets via NFTs and related technologies. Yat discusses his journey into technology and gaming, as well as the intersection of gaming and decentralized finance. He shares his early experiences with technology, including writing MIDI software in the 1980s and discovering the power of online communities. Additionally, Yat discusses the shift from Web2 to Web3 and the importance of ownership and interoperability in gaming. He highlights the potential for virtual goods and NFTs to become platforms for building experiences and creating network effects. Yat emphasizes the need for trust and transparency in the gaming industry and the potential for Web3 to democratize ownership and create new opportunities for gamers. MENTIONED IN THE CONVERSATION Animoca Brands' Website: https://bit.ly/47Vv3UD Yat's LinkedIn profile: https://bit.ly/3NvEtxT Topics: Web3, crypto, blockchain, DeFi, NFT, NFTFi, Metaverse, tokens, gaming, GameFi, Web2 Companies: Animoca Brands, Animoca, ConsenSys, Dapper Labs, CryptoKitties, Axiom Zen, Minecraft, Sandbox, Mocaverse ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’28: Journey into tech: Yat Siu reflects on his early experiences with gaming, MIDI software, and the transformative impact of online communities 6’49: From early internet anonymity to Web3's shared value: The evolution of online identity and the power shift in data dynamics 15’30: Digital identity and data monopolies: Exploring the tension between privacy and community in the evolution from Web2 to Web3 21’04: Building Animoca Brands: Yat Siu on his journey from a mobile gaming pioneer to championing user empowerment in the digital world 27’37: Collaborative creation: The genesis of CryptoKitties and the emergence of Dapper Labs from the early days of NFT gaming 31’02: Gaming as a platform: The evolution of gaming experiences and the rise of interoperability in the digital asset ecosystem 37’48: Digital economy's growth: The transition from virtual goods in gaming to a democratic, capitalist Metaverse 40’48: Exploring digital economies: The intersection of Web3 adoption and gaming, and the evolution of user engagement 49’22: The channels used to connect with Yat & learn more about Animoca Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Can open banking power AI-based finance?, with Bud CEO Ed Maslaveckas 46:22
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Afspil senere Afspil senere Lister Like LikedLex chats with Ed Maslaveckas, the founder and CEO of Bud, a FinTech company focused on data aggregation and artificial intelligence in financial services. They discuss the evolution of Bud's business model, the atmosphere of the FinTech industry in the UK, the challenges of data enrichment and customer insight, and the potential of AI agents and generative AI in transforming financial products. Maslaveckas highlights the value of accurate transaction data in reducing call center costs, improving lending decisions, and enabling personalized marketing. He also emphasizes the importance of automation and co-piloting in enhancing the customer experience and increasing efficiency in financial organizations. MENTIONED IN THE CONVERSATION Bud's Website: https://bit.ly/3TjBWue Ed's LinkedIn profile: https://bit.ly/3TaEsTE Topics: Fintech, open banking, embedded banking, banking, API, GenAI, AI, generative ai, artificial intelligence, data aggregation Companies: Bud, Bud Financial, Plaid, Salesforce, Yodlee, mint.com ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’18: Evolution of Ed’s fintech career: The journey from tech enthusiast to influencing the UK's vibrant financial technology scene 6’32: From consumer app to B2B platform: Bud's evolution amidst the neobank wave and the challenges of data integration in fintech 14’14: Decoding customer insights in fintech: Mastering data enrichment and unlocking personalized financial solutions 20’58: Unlocking transaction data's potential: How advanced AI is transforming financial institutions' approach to customer insights 23’19: Transforming financial services with AI: Bud's role in enhancing banks' transaction analysis and customer engagement strategies 30’57: AI and financial well-being: Navigating the balance between automation and user comfort in personal finance apps 37’01: Redefining workflows in banking: The integration of AI agents for enhanced enterprise efficiency and customer engagement 41’59: Shaping the future of fintech: How generative AI and advanced data capabilities are transforming financial services 45’37: The channels used to connect with Ed & learn more about Bud Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Bringing MetaMask to the next billion users, with Agoric CEO Dean Tribble and MetaMask Co-Founder Daniel Finlay 46:37
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Afspil senere Afspil senere Lister Like LikedLex chats with Dan Finlay, co-founder of MetaMask, and Dean Tribble, CEO of Agoric, about the future of wallet strategy and the underlying technological changes in the Web3 space. They discuss the growth and usage of MetaMask, the philosophy behind its development, and the core dimensions in which they have tried to grow the wallet. They also talk about the concept of "Snaps," which allows developers to extend the functionality of MetaMask using JavaScript. The conversation touches on the potential of interconnecting different blockchains and the importance of user consent and security in the Web3 ecosystem. They also discuss the role of AI in wallets and the potential for users to have their own trusted AI companions. Overall, the discussion highlights the importance of building a more seamless and secure infrastructure in Web3 and the potential for innovation and integration in the space. MENTIONED IN THE CONVERSATION Agoric's Website: https://bit.ly/3GnHcFo MetaMask's Website: https://bit.ly/3T1vGqY Dean's LinkedIn profile: https://bit.ly/3Rptf03 Dan's LinkedIn profile: https://bit.ly/3RoPpjb Topics: Web3, wallet, blockchain, interoperability, AI, smart contracts Companies: MetaMask, Agoric, Snaps, Cosmos, JavaScript, Secret Network ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’46: Web3's evolution and challenges: A conversation with Daniel Finlay on MetaMask's progress and future 6’52: Exploring Web3's potential: The role of MetaMask’s developer focus, safety, and the innovative Snaps platform in shaping the future 11’20: Revolutionizing wallets and Web3: Breaking down the role of JavaScript and secure confinement in enhancing user experience and innovation 17’32: Expanding Web3 development: How JavaScript and lightweight sandboxing in MetaMask unlock new possibilities for developers 19’52: Enhancing Web3 security and usability: The role of hardened JavaScript in simplifying and securing the development process 24’00: Expanding developer horizons in Web3: Understanding the impact of Snaps in MetaMask for creating diverse and innovative applications 28’20: Unifying Web3 ecosystems: How MetaMask and Agoric facilitate seamless integration and cross-chain functionality for developers and users 37’12: Crafting the future of Web3 interfaces: How MetaMask, Snaps and Agoric are paving the way for advanced cross-chain connectivity and AI integration Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Modernizing private investment infrastructure, with Templum CEO Christopher Pallotta 38:19
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Afspil senere Afspil senere Lister Like LikedLex chats with Christopher Pallotta - founder and CEO of Templum, a company focused on alternative investments and private markets. Pallotta discusses his background in technology and investing, as well as the journey of Templum and its transformation into becoming the operating system for private markets and alternative assets. He explains how Templum's technology, broker-dealer and alternative trading system (ATS) capabilities enable the trading of regulated private securities in a compliant manner. Pallotta also discusses the growing demand for alternative assets and the role of liquidity in driving adoption. He highlights the potential for alternative assets to outperform traditional markets and the need for liquidity mechanisms in the alternative asset space. Finally, Pallotta shares his vision for the future, where alternative assets become more accessible and investing in them becomes as ubiquitous as investing in public equities. MENTIONED IN THE CONVERSATION Templum's Website: https://bit.ly/3GfLr63 Christopher's LinkedIn profile: https://bit.ly/47O2sjy Topics: fintech, hedge fund, REIT, ETF, finance, real world assets, RWA, tokenization, alternative assets Companies: Templum, Raptor Group, Eniac, 8VC, New York Stock Exchange, NASDAQ ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’22: From business school to blockchain: A journey into tech and investment 6’12: The liquidity journey: Navigating markets from illiquid to fractionalized assets 8’47: Templum today: Powering alternative asset markets and beyond 12’13: Demystifying infrastructure: Public equities vs. alternative asset markets 14’57: Revolutionizing private asset markets: Templum's Shopify-inspired solution 17’12: Unifying the world of alternative assets: Templum's central operating system 20’03: Unlocking demand: The shift towards alternative assets in investment portfolios 22’18: Democratizing investment: The rise of alternative assets in retail portfolios 26’18: The expanding alt-finTech ecosystem: Templum's position in liquidity and access 28’39: Unlocking liquidity: The market implications of tradable alternative assets 31’16: The evolution of portfolio composition: A future with 60% alternatives and 40% ETFs? 33’10: The future of real-world asset tokenization: Trends, insights, opportunities, and challenges 37’50”: The channels used to connect with Chris & learn more about Templum Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 How Legalist, a $770MM litigation finance investment firm, uses tech and data analytics to deliver alpha, with Co-Founder Eva Shang 35:42
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Afspil senere Afspil senere Lister Like LikedLex chats with Eva Shang, CEO of Legalist - a technology-powered investment firm specialising in alternative assets. Shang discusses her company's strategies in litigation finance, bankruptcy, and government receivables. She explains that Legalist uses technology and data analysis to identify investment opportunities in the legal space. Shang also discusses the challenges and complexities of underwriting litigation cases and the importance of human judgment in the process. She highlights the need for uncorrelated sources of return in the investment landscape and the potential for technology to transform other asset classes. Shang also expresses caution about retail investors entering alternative investment spaces without proper knowledge and understanding of the risks involved. MENTIONED IN THE CONVERSATION Legalist's Website: https://bit.ly/46masHp Eva's LinkedIn profile: https://bit.ly/49GENmD Topics: fintech, hedge fund, litigation finance, asset management, alternative investments, AI, artificial intelligence, underwriting, investment Companies: Legalist, Y-Combinator, LexisNexis ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’23”: Overview of Legalist's Asset Management Strategies 2’31”: Litigation Finance: Core Strategy and Operation 6’20”: Integration of Data Analysis and Technology in Litigation Finance 9’37”: Early Development of Legalist’s Technology at Y-Combinator 14’59”: Transition from Legal Analytics to Litigation Finance 18’22”: Investment Process and Decision Making in Legalist 24’33”: Challenges and Innovations in Data-Driven Litigation Funding 27’24”: Growth and Expansion of Legalist Since 2019 31’51”: The Future of Alternative Investments and Legalist's Role 35’09”: The channels used to connect with Eva & learn more about Legalist Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Engineering the Dollar from ETH and Perpetuals, with Ethena Labs founder Guy Young 41:29
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Afspil senere Afspil senere Lister Like LikedLex chats with Guy Young - the CEO and Founder of Ethena Labs, the crypto infrastructure company building USDe which is the first-ever scalable stablecoin not reliant on existing banking institutions alongside a permissionless 'internet bond'. They discuss Ethena, a new protocol for the synthetic dollar, and the market dynamics around Ethereum and the concept of the internet bond. Young explains his background in distressed investing and the risks and mistakes commonly seen in financial services. They also delve into the mechanics of the perpetuals market and the funding rates, as well as the scalability and risks associated with Ethena. Young highlights the potential for the synthetic dollar to replace bonds in traditional bank accounts and the value of a crypto-native solution with different risk profiles. MENTIONED IN THE CONVERSATION Ethena's Website: https://bit.ly/3MDR1Td Guy's LinkedIn profile: https://bit.ly/46gDDM4 Topics: crypto, blockchain, defi, ethereum, perpetual swaps, stablecoin, synthetic dollar, steth, usde Companies: Ethena Labs, Ethena, Cerberus, BitGet, Binance, ByBit ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’20”: Strategic Investments: Distressed Assets and Value Opportunities in Financial Services 4’19”: Analyzing Collapse: The Underlying Mistakes Leading to Financial Institution Failures 6’22”: Market Missteps and Innovation: The Human Element in Financial Risks and the Allure of Crypto Markets 9’37”: Decoding Value and Innovation: The Dynamics of Ethereum Economics and the Future of DeFi Tokens 16’40”: Balancing Returns and Risks: Understanding Ethereum's Capital Market Structure and the Role of Perpetual Swaps 21’47”: Synthetic Leverage in Crypto Markets: Analyzing the Persistent Tilt in Funding Rates and the $30 Trillion Perpetuals Phenomenon 25’26”: Strategic Hedging with ETH: Understanding the Perpetual Market Mechanics and Identifying the Risks 28’30”: Exchange Relations and Risk Mitigation: Balancing Volume and Counterparty Exposure in Perpetual Markets 31’42”: Impact of Scale on Ether: Assessing the Price Dynamics of Synthetic Assets and Their Influence on the Underlying Market 36’23”: Exploring Synthetic Stability: The Mechanics of Crypto-Native Dollars and the Potential for Traditional Market Integration 40’50”: The channels used to connect with Guy & learn more about Ethena Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Using AI to digitize financial documents at scale, with Ocrolus CEO Sam Bobley 46:58
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Afspil senere Afspil senere Lister Like LikedLex chats with Sam Bobley, founder and CEO of Ocrolus - a fintech infrastructure company that powers underwriting processes for lenders like SoFi, Lending Club, and Enova. In this episode Sam starts off by sharing how he got started in entrepreneurship at a young age and the influence of his father, who was a serial entrepreneur. Bobley explains how Ocrolus focuses on document automation using OCR technology and the challenges they faced in the early days. He also discusses the evolution of machine vision and the improvements in handling semi-structured and unstructured documents. Bobley highlights the importance of vertical-specific solutions and the integration of AI technologies into financial services. He shares the company's experience during the COVID-19 pandemic and the pivot they made to focus on the Paycheck Protection Program. Bobley emphasizes the need for transparency, focusing on the big picture, and having a support system to navigate the challenges of entrepreneurship. He rounds off the episode discussing the trends he sees in the industry, including the rise of large language models and the adoption of cashflow-based underwriting. MENTIONED IN THE CONVERSATION Ocrolus's Website: https://bit.ly/3QHYoeN Sam's LinkedIn profile: https://bit.ly/3SrC7TU Topics: artificial intelligence, ai, machine vision, OCR, LLM, machine learning, automation, fintech, embedded banking Companies: Ocrolus, Plaid, OpenAI, Google, Amazon, AWS, OnDeck ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’22”: Early entrepreneurial insights: Money's role Sam’s upbringing and fintech's influence 5’15”: The dawn of image recognition: Founding a company on the cusp of AI advancements 12’23”: Building the ideal product: The journey to a four-hour turnaround time 19’48”: The evolution of machine vision: From early days to cutting-edge capabilities 26’34”: Enhancing the developer experience: A deep dive into integration and seamless interactions 34’02”: Navigating the journey of building Ocrolus: Inflection points, growth, and challenges 38’48”: Staying resilient through business challenges: Advice for entrepreneurs from a seasoned founder 40’28”: Maintaining leadership resilience: Strategies for navigating the roller coaster of entrepreneurship 44’42”: Future trends in AI and embedded finance: Insights from a tech entrepreneur 46’21”: The channels used to connect with Sam & learn more about Ocrolus Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Embedding lending and credit into the fintech value proposition, with Canopy CEO Matt Bivons 40:50
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Afspil senere Afspil senere Lister Like LikedLex chats with Matt Bivons, the founder and CEO of Canopy, a modern digital lending company. Bivons discusses his background in fintech and his journey from being a product designer to starting his own company. He explains the importance of designing products for others and how he identified a gap in the market for a lending infrastructure solution. Bivons also talks about the evolution of the digital lending sector and the role of infrastructure companies in enabling fintech innovation. He shares his vision for the future of Canopy and the opportunities in the commercial lending space. MENTIONED IN THE CONVERSATION Canopy's Website: https://bit.ly/3Fwvg3Y Matt's LinkedIn profile: https://bit.ly/3QyIu6x Topics: fintech, lending, API, Paas, credit, loan servicing, digital lending Companies: Canopy, Earnest, GreenSky, Stripe, Kabbage, YC ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’37”: From self-design to universal solutions: A founder's journey 7’01”: Fostering empathy in product design: Balancing personal and market problems 10’25”: Marketing strategies & cost of acquisition in fintech: Insights from Earnest and GreenSky 17’45”: Expanding horizons: Gaining experience and expertise at GreenSky 22’24”: From insight to action: Building Canopy from scratch 25’58”: Navigating the go-to-market challenge: Insights from Canopy's founding journey 31’25”: Canopy's current landscape: Scale, competencies, and customer base 34’20”: Shaping the future of digital lending: Market evolution and exciting prospects 40’02”: The channels used to connect with Matt & learn more about Canopy Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Embedding Web3 infrastructure into Web2 platforms, with Bastion Co-Founders Nassim Eddequiouaq and Riyaz Faizullabhoy 41:45
41:45 Afspil senere Afspil senere Lister Like Liked41:45
Afspil senere Afspil senere Lister Like LikedLex chats with Nassim Eddequiouaq and Riyaz Faizullabhoy - Co-Founders of Bastion - a transaction and Web 3 orchestration company that aims to provide infrastructure for businesses to build user-friendly experiences on top of blockchain technology. The founders, Nas and Riyaz, have a background in security and have worked together for several years at companies like Docker, Anchorage, and Facebook. They believe that custodial wallets offer the best user experience and are focused on building a platform that allows businesses to issue wallets seamlessly to their users. Bastion also offers a smart transaction routing system that optimizes transactions and reduces costs. Both Nas and Riyaz see custodial services as a starting point for users, with the goal of eventually allowing them to graduate to self-custody. They emphasize the importance of security, compliance, and user experience in their platform. MENTIONED IN THE CONVERSATION Bastion's Website: https://bit.ly/3M8B6wb Nassim's LinkedIn profile: https://bit.ly/46UYe9g Riyaz's LinkedIn profile: https://bit.ly/3M5UGJi Topics: crypto, payments, custody, Web3, Web2, cybersecurity, decentralization, wallets, user experience, security Companies: Bastion, Libra, Meta, Andreessen Horowitz, a16z, Docker, Anchorage Digital, Facebook ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’13”: From digital security to working on Facebook’s Libra project: The journey of Riyaz and Nas 7’09”: The Rationality of Digital Adversaries: A Look at Cybersecurity Challenges 9’45”: The Convergence of Decentralization and Corporate Ambitions: A Deep Dive into the Libra Project 16’52”: From Operator to Investor: Navigating the Crypto Space at Andreessen Horowitz 21’50”: Unlocking Crypto Security: The Mission of Bastion and its Innovative Approach 27’48”: Empowering Developers: How Bastion Fits into the Crypto Infrastructure Ecosystem 32’40”: Simplifying User Interactions: The Role of Bastion in Crypto Transactions and custody 38’51”: Data and the Future: Navigating the Possibilities of Web 3 Custodianship 41’02”: The channels used to connect with Riyaz and Nas & learn more about Bastion Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Mastering fintech from public to private investments, with Portage CEO Adam Felesky 45:39
45:39 Afspil senere Afspil senere Lister Like Liked45:39
Afspil senere Afspil senere Lister Like LikedLex chats with Adam Felesky, CEO and co-founder of Portage - an investment firm focused on fintech and financial services. Felesky discusses his background in finance and tech, his experience as an entrepreneur, and the investment opportunities he sees in the fintech sector. He emphasizes the importance of understanding the nuances of different verticals within fintech and the potential for incumbent transformation in the industry. Felesky also discusses the current market environment for fintech investments and the challenges and opportunities it presents. He suggests that M&A activity and buyouts may play a role in the recovery of the fintech market and advises investors to be prepared for companies to stay private longer. MENTIONED IN THE CONVERSATION Portage's Website: https://bit.ly/3ttPRmO Adam's LinkedIn profile: https://bit.ly/3Fi0ThE Topics: investment, investment management, fintech, M&A, ETFs, venture capital, vc, private equity, roboadvisor, AI Companies: Portage, Wealthsimple, Alan, Betterment, Wealthfront ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’21”: From early passion to industry pioneer: The journey of ETF entrepreneurship in 2005 8’29”: The intersection of asset allocation and individual investments: Navigating two worlds in wealth management 11’41”: Exploring the robot-driven dynamics of fund complexes, trading firms, and quant hedge funds 18’25”: Unpacking the Wealthsimple investment: From founding to differentiation in the digital investing wave 21’04”: Navigating investment stages: Assessing startups from seed to series A 27’33”: Valuation challenges in fintech: The blurred traction and market trends 30’02”: From entrepreneur to investor: Mastering the art of saying no 32’59”: Fintech's future: Portage Ventures' promising themes and market structure insights 37’53”: Assessing risk and the credit cycle: A conversation on market perspectives 41’12”: Unlocking growth potential: Strategies for overcoming valuation challenges in fintech 44’59”: The channels used to connect with Adam & learn more about Portage Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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The Fintech Blueprint
1 Applying artificial intelligence to investing and finance, with Auquan CEO Chandini Jain 46:40
46:40 Afspil senere Afspil senere Lister Like Liked46:40
Afspil senere Afspil senere Lister Like LikedLex chats with Chandini Jain, founder and CEO of artificial intelligence company Auquan. Together, Lex and Chandini discuss the use of AI in financial services. Jain explains that AI can help optimize information flow and improve decision-making by efficiently processing and analyzing large amounts of data. Jain highlights the importance of accuracy in AI models, particularly in the financial industry where incorrect information can have significant consequences. She introduces the concept of retrieval augmented generation (RAG) AI, which combines retrieval systems and generative models to provide accurate and credible answers to user queries. Jain also mentions that Auquan has published a white paper on RAG AI and offers a LinkedIn newsletter with frequently updated data points. MENTIONED IN THE CONVERSATION Auquan's Website: https://bit.ly/46j7GU2 Chandini's LinkedIn profile: https://bit.ly/3PHDj2x Topics: artificial intelligence, AI, generative AI, capital markets, fintech, deep learning, LLM, Natural language models Companies: Auquan, Optiver, Apple, Meta, ChatGPT, RAG AI, Andreessen Horowitz, A16z ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS 1’22”: Navigating Flying High: From Career Beginnings to Tackling Complex Problems 6’49”: Exploring Capital Markets: Finding Alpha and Transitioning to Entrepreneurship 15’20”: Building an Investment Solution: From Concept to Market-Ready Product 21’55”: Unlocking Private Equity Deal Insights: How to Leverage Auquan’s AI Services 26’37”: Demystifying AI in Financial Services: Core Trends and Model Insights 35’09”: Unlocking the Semantic Cosmos: AI Breakthroughs and Evolution in Knowledge Representation 41’24”: AI in Financial Services: Navigating the Bayesian Landscape of Probability and Accuracy 45’03”: The channels used to connect with Chandini & learn more about Auquan Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD. Contributors: Lex , Laurence , Matt , Farhad , Mike , Daniella Want to discuss? Stop by our Discord and reach out here with questions .…
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