Crypto Altruists: Real-World Stories of Social & Environmental Impact with Web3

Crypto Altruists

Looking to explore how blockchain, Web3, and emerging technologies like AI are changing the world for the better? Welcome to Crypto Altruists (formerly Crypto Altruism), the podcast where we highlight real-world stories of social and environmental impact powered by cryptocurrency and Web3 innovation.  Each episode features inspiring interviews with Web3 builders, changemakers, and impact leaders using decentralized technologies to tackle global challenges like climate change, financial inclusion, scientific progress, and much more. Discover actionable advice, proven strategies, and lessons learned to help you thrive as a Web3 impact builder.  Whether you're a Web3 entrepreneur, DAO contributor, nonprofit leader, crypto enthusiast, or anyone passionate about the intersection of tech and purpose, this podcast is your guide to leveraging Web3 for positive change.  Subscribe now and join us on a journey to uncover how Web3 is creating a brighter future for people and the planet.  Key Topics: Regenerative Finance (ReFi), Decentralized Finance (DeFi), Decentralized Science (DeSci), Crypto Philanthropy, Impact DAOs, NFTs for good. *Formerly known as The Crypto Altruism Podcast.

  1. 5d ago

    Episode 271 - The Great Funding Reset: Lessons from Web3 Public Goods Funding, Humanitarian Aid Cuts, and What Comes Next

    For episode 271 of the Crypto Altruists podcast, we explore what we’re calling “The Great Funding Reset,” and what it means for anyone building for impact right now. If you work in the impact space, whether you're building in Web3, running a nonprofit, or working anywhere in international development, you've probably felt it: the ground has shifted. The Web3 public goods funding boom of a few years ago has quieted down considerably, and just this month, a funding platform that many projects relied on shut down. At the same time, outside of Web3, international aid budgets are being cut at a scale we've never seen before, with official development assistance experiencing the largest drop on record. In this episode, we look honestly at how we got here, from the boom years of ICOs, NFT fundraising, quadratic funding, and retroactive public goods funding, to the quieter, more uncertain landscape of today. We explore the common thread linking both the Web3 and traditional aid funding crises, and the challenges this uncertainty creates for builders, nonprofits, and NGOs around the world. But this isn't a doom and gloom episode. Some of the most resilient funding models we've ever seen are being built right now. We explore innovations from across the funding world, including trust-based philanthropy, pooled funds that are keeping vital programs alive, pre-arranged financing for anticipatory action, public investment in digital public goods, solidarity levies, participatory grantmaking, and Web3 models like yield-based giving and streaming funds. And we close with practical strategies every impact organization can use to navigate this challenging moment. In today's discussion you'll learn: 🌊 Why impact builders are facing two funding storms at once: a cooling in Web3 public goods funding, and the largest drop in international aid on record 🔄 How public goods funding has evolved, from the boom years of ICOs, NFTs, and quadratic funding to the quieter, more uncertain landscape of today 🌱 The funding innovations that are still working, from yield-based giving to streaming funds and community-owned models 🧭 Some strategies for impact organizations navigating this challenging environment ‍--Key Takeaways-- 🌊 Two storms, one lesson: concentrated funding is fragile funding: Impact builders are facing two funding storms at once. In Web3, the public goods funding boom has cooled, and the recent shutdown of a funding platform many projects relied on left a lot of people hurting. Outside of Web3, international aid has seen the largest drop on record, as governments shift priorities toward defence and domestic spending. These crises have very different causes, but they share a common thread: both systems depended too heavily on a small number of volatile sources. When a handful of token treasuries, platforms, or donor governments change course, everyone downstream feels it at once. The lesson for the whole sector is clear. Resilient funding needs to be more diverse, more predictable, and more verifiable than what came before. 🌱 The future of funding is already being built: Despite the challenges, people around the world are inventing better ways to fund impact. Foundations are giving more, and with fewer strings attached, through flexible, trust-based funding. Pooled funds and matchmaking efforts have kept life-saving programs running after aid cuts. Pre-arranged financing means money is ready before a predictable disaster strikes, rather than weeks after. Governments are starting to treat digital public goods as infrastructure worth investing in, and new solidarity levies could create fresh, predictable sources of funding. In Web3, yield-based giving, streaming funds, and conviction voting are tackling the same problems from a different angle. And communities are leading too, through participatory grantmaking, giving circles, and mutual aid. None of these is a silver bullet, but together they show what’s possible. 🧭 Resilience is built, not wished for: For impact organizations, getting through this moment means going beyond the familiar advice and focusing on the how. Diversify by type of funding, not just by the number of funders, so your income streams don't all fall at once. Nurture funder relationships year-round, explore earned income, and make your impact easy to verify. This is a difficult season, but a reset isn't an ending. It's a chance to rebuild on stronger foundations. --CTAs from the Episode-- 🤝 Explore AI & Web3 consulting opportunities with Crypto Altruists: https://www.cryptoaltruists.com/consulting 🧰 Check out the Web3 Impact Toolkit: https://cryptoaltruists.com/web3-impact-toolkit --Full shownotes with links-- https://www.cryptoaltruists.com/blog/crypto-altruists-episode-271-the-great-funding-reset-lessons-from-web3-public-goods-funding-humanitarian-aid-cuts-and-what-comes-next --Love our podcast? Consider supporting us with a Fiat or Crypto contribution!-- Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  2. Oct 7

    Episode 270 - AI and Blockchain for NGOs: How Decentralized Technology Is Driving Innovation in International Development, with FLock.io

    For episode 270 of the Crypto Altruists podcast, we're excited to welcome Tiffany Wang, Head of EMEA at FLock.io, and a contributor to the Blockchain for Good Alliance, to explore how NGOs, nonprofits, and civil society organizations can harness AI and blockchain for innovation and impact. If you work in the nonprofit or international development space, you've probably felt the pressure lately. Funding is tighter, needs are growing, and everywhere you turn, someone is telling you that AI and blockchain will change everything. But for many NGOs and civil society organizations, the real question is much more practical: where do we actually start, and how do we do it without putting the communities we serve at risk? FLock.io offers a compelling answer. They're building decentralized AI, an approach where models can learn from data without that data ever leaving the communities it belongs to, a powerful alternative to AI trained by a few large companies on data gathered from everyone else. And they're putting it into practice at a global scale as the AI Strategic Partner for the United Nations Development Programme's SDG Blockchain Accelerator. From microinsurance for smallholder farmers in the Dominican Republic, to gorilla conservation in Rwanda, artisans in Morocco, healthcare in Mauritius, and faster aid delivery in Liberia, these projects show what becomes possible when AI and blockchain are designed around the needs of last-mile communities. We also explore the work of the Blockchain for Good Alliance, a collaborative hub bringing together global organizations, universities, and grassroots builders to strengthen blockchain for social impact. Along the way, we dig into data sovereignty, how this technology can help communities capture the value they create rather than losing it to intermediaries, and what it will take for decentralized, community-owned AI to become the norm rather than the exception. In today's discussion you'll learn: 🤖 How decentralized AI and blockchain can help NGOs and nonprofits innovate, without handing over sensitive community data 🌍 Inside FLock.io's work as the AI Strategic Partner for the UNDP's SDG Blockchain Accelerator, and the projects transforming lives across Africa, Asia, and Latin America ⚡ How this technology is getting aid to people faster, and helping communities capture the value they create rather than losing it to intermediaries 🤝 How the Blockchain for Good Alliance is bringing together the UN, universities, and grassroots builders to turn good ideas into real-world impact ‍--Key Takeaways-- 🔐 AI doesn't have to be a trade-off between efficiency and privacy: One of the biggest misconceptions about AI is that organizations have to choose between the efficiency these tools offer and protecting the people they serve. Decentralized approaches like federated learning show that you can have both. Instead of gathering sensitive data in one central place, the model travels to the data, learning from it where it lives, so communities keep control of their information. And just as importantly, AI can be designed with its wider costs in mind, working to reduce its environmental and social footprint rather than ignoring it. 🤝 Communities over intermediaries: Today, AI is driven largely by a handful of large companies, which are positioned to capture most of the wealth and power generated by the people who use their tools and supply their data. It's a familiar pattern of local communities creating value while intermediaries capture profits. FLock.io's work points the other way. From farmers and artisans to conservation communities, the projects coming out of the UNDP's SDG Blockchain Accelerator show how AI and blockchain can help communities create value for themselves and keep more of it. For NGOs and civil society, the goal shouldn't just be adopting new technology. It should be making sure that technology shifts power toward the communities it's meant to serve. 🌱 Start small, build locally, then scale: The path to meaningful impact doesn't start with the biggest, most powerful model available. It starts with a specific problem. Purpose-built models designed for a single, well-defined use case are often cheaper, less energy-intensive, and more effective than massive general-purpose models that try to do everything. The approach that works is to build locally, test with the communities involved, learn what works, and then scale globally. For NGOs unsure where to begin with AI, you don't need a huge budget or a giant model. You need a clear use case, the right partners, and the willingness to start small. --CTAs from the Episode-- 🤝 Explore AI & Web3 consulting opportunities with Crypto Altruists: https://www.cryptoaltruists.com/consulting --Full shownotes with links-- https://www.cryptoaltruists.com/blog/crypto-altruists-episode-270-ai-and-blockchain-for-ngos-how-decentralized-technology-is-driving-innovation-in-international-development-with-flock-io Love our podcast? Consider supporting us with a Fiat or Crypto contribution! Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  3. Oct 1

    Building for Good with G$ Episode 2 - Reimagining DAO Governance: Inside GoodDAO's Journey to a Community-Led Future

    For the second installment of our series, Building for Good with G$, we're excited to welcome Sam McCarthy, who has been leading GoodDollar's work to rebuild its governance through GoodDAO. The series explores the people, projects, and communities powering the GoodDollar ecosystem. In episode 1, we sat down with Rael, Meri, and Graven to explore a big shift underway at GoodDollar. The project started with a focus on distributing G$ as universal basic income, but its vision has since grown into creating an open economy, where G$ circulates through builders, communities, and public goods. We dug into GoodBuilders, the partnership with FlowState, and why streaming funds are a better way to fund public goods. In this episode, we turn to the glue that holds it all together: governance. An open economy isn't just about moving money. It's about deciding, together, where that money goes, who gets a say, and how a community stays aligned with its mission as it grows. That's something many DAOs struggle with, as governance too often ends up as a handful of insiders voting on proposals most people never read, while participation drops and power concentrates. GoodDollar decided to take that challenge head on. This year, they launched a governance re-vision to rebuild GoodDAO from the ground up, in the middle of a bear market, no less. And rather than designing it behind closed doors, they brought the community into the process through CoGov, a collaborative governance hackathon, and launched the House of Alignment, a new mechanism for allocating capital to public goods and the wider G$ ecosystem. Sam walks us through why community-centred governance matters to GoodDollar's bigger vision, what they learned by building it with the community, and how anyone can get involved, whether you're a builder, a funder, or someone who's never touched a DAO before. In today's discussion you'll learn: 🗳️ Why GoodDollar is rebuilding its governance from the ground up, and why they chose to do it in the middle of a bear market 🤝 How CoGov, a collaborative governance hackathon, invited the community to help design GoodDAO from the ground up 💸 How the new House of Alignment is changing the way GoodDAO funds public goods and the G$ ecosystem 🌱 Lessons on building a DAO that's healthy, sustainable, and community-led ‍ ‍--Key Takeaways-- 🗳️ Good governance serves two purposes at once: GoodDollar's governance re-vision is built around a dual goal. On one hand, it's about enabling the community to participate meaningfully. Instead of just casting the occasional vote on proposals they haven't had a hand in shaping, it’s about genuinely influencing the direction of the DAO. On the other hand, governance has to serve the broader objective of growing the GoodDollar ecosystem and its vision of an open economy around G$. Doing both of those together is challenging, and it's where many DAOs fall short, either becoming so focused on process that nothing moves, or so focused on growth that the community stagnates. 🤝 Design from first principles, and design for people: Rather than copying an existing governance template, GoodDollar went back to first principles, and put people at the centre of the design. CoGov, their collaborative governance hackathon, brought good people and good energy together, with a goal of creating a core group of highly engaged contributors with a stake in the outcome that goes beyond just financial. When people help build the system, they care about it, show up for it, and stick with it, which is what helps a DAO move past the low participation and concentrated power that often hurts decentralized governance. 🔄 It's all about the movement of value: At its heart, GoodDAO's work is about creating movement throughout the G$ ecosystem. Not just the movement of capital, but the movement of ideas, talent, and energy, all interconnected. A good idea from the community can attract contributors, contributors can attract funding, and funding can unlock new projects that bring in more people and ideas. When governance is designed to keep all of these flowing together, the ecosystem becomes more than the sum of its parts. --Full shownotes with links-- https://www.cryptoaltruists.com/blog/building-for-good-with-g-episode-2-reimagining-dao-governance-inside-gooddaos-journey-to-a-community-led-future --Love our podcast? Consider supporting us with a Fiat or Crypto contribution!-- Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  4. Sep 24

    Episode 269 - Small, Local, and Sovereign: 8 Ways NGOs & Communities Are Using AI for Good Without Compromising Their Values

    For episode 269 of the Crypto Altruists podcast, Drew takes a solo deep dive into one of the most pressing questions facing the nonprofit sector today: can NGOs and grassroots movements use AI for humanitarian impact without compromising their values? Lately, whenever we talk with people working at nonprofits, NGOs, and grassroots organizations, the conversation almost always turns to AI. And the feeling in the room is usually a mix of curiosity and discomfort. Curiosity, because these tools could help overstretched teams do more. Discomfort, because so much of what we hear about AI clashes with the values that drive this work, from the environmental cost of data centres, to AI safety risks, to the growing concentration of power in the hands of Big Tech. In this episode, we take those concerns seriously and give them an honest answer, not a sales pitch. Then we explore a side of AI that doesn't get nearly enough attention: organizations using it in ways that are small, local, community-owned, and designed with the planet in mind. We look at eight real-world examples of ethical, sovereign AI for social impact, including the Humanitarian OpenStreetMap Team's community-trained disaster mapping tools, Te Hiku Media's Indigenous-owned Māori speech recognition, Rainforest Connection's solar-powered forest guardians, PlantVillage Nuru's offline crop disease diagnosis, Jacaranda Health's maternal health language model, Lelapa AI's small language model for African languages, privacy-preserving federated learning with FLock.io and the UNDP, and Karya's worker-owned data model. We close with a practical five-question checklist to help any nonprofit adopt AI responsibly, and share how Crypto Altruists can support organizations in building safe AI policies and finding tools that genuinely help. In today's episode, we discuss: 🤖 An honest look at the three biggest concerns nonprofits have about AI: energy and water use, safety, and power concentrating in the hands of Big Tech 🌍 Eight ways NGOs and grassroots movements are using AI for humanitarian impact, from disaster mapping, to maternal health, to protecting the rainforest 🔐 What "sovereign AI" looks like in practice, including communities owning their data, training their own models, and running them locally 🧭 A simple checklist any nonprofit can use before bringing an AI tool into their work ‍--Key Takeaways-- 🤖 The concerns about AI are real, but "AI" isn't just one thing: Nonprofits are right to worry about AI's energy and water use, its safety risks, and the growing concentration of power in the hands of a few Big Tech companies. These concerns deserve honest answers, and our sector should keep pushing for renewable energy, real guardrails, and accountability. But there's a world of difference between pasting sensitive community data into a giant corporate chatbot and a community training its own small model on its own data. The real question isn't whether NGOs should use AI at all, but rather which AI they should use, owned by whom, running where, and at what cost to the planet. 🌱 Small, local, and purpose-built often beats big: For most humanitarian work, you don't need a model that can do everything. You need one that can spot a building in a disaster zone, diagnose a diseased crop, or understand a mother's message in her own language. Tools like PlantVillage Nuru, which diagnoses crop disease offline on a basic smartphone, Lelapa AI's InkubaLM, a small language model light enough to run on a laptop, and Rainforest Connection's solar-powered devices made from recycled phones show that purpose-built AI can be cheaper, greener, and more accessible. And because many of these tools work offline, they reach people where the big cloud-based systems can't. 🔐 When communities build it, it works better, and sovereignty is a spectrum: The most powerful examples in this episode put communities in control. The Humanitarian OpenStreetMap Team lets local mappers train their own AI models, because data from the Global North doesn't reflect their realities. Te Hiku Media built Māori speech recognition under a license ensuring the data only benefits the Māori people, treating data as something to be cared for rather than owned. At the same time, no option is perfect. Jacaranda Health built on a Big Tech foundation to keep control of sensitive health data, and Karya works within the system to make sure data workers share in the value they create. Sovereignty is a spectrum, and the goal is making better choices, honestly. --CTAs from the Episode-- 💚 Support Alliance for Public Health's Campaign on Giveth: https://giveth.io/project/support-blind-veterans-in-ukraine 🤝 Explore AI & Web3 consulting opportunities with Crypto Altruists: https://www.cryptoaltruists.com/consulting 🧰 Check out the Web3 Impact Toolkit: cryptoaltruists.com/web3-impact-toolkit --Full shownotes with links-- https://www.cryptoaltruists.com/blog/crypto-altruists-episode-269-small-local-and-sovereign-8-ways-ngos-communities-are-using-ai-for-good-without-compromising-their-values --Love our podcast? Consider supporting us with a Fiat or Crypto contribution!-- Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  5. Sep 17

    Episode 268 - From World Records to a Billion Trees: How Web3 & AI can Scale a Global Movement of Regenerators, with Jimi Cohen of Treegens

    For Episode 268 of the Crypto Altruists podcast, we're thrilled to welcome back Jimi Cohen, founder of Treegens and a world record tree planter. Jimi first joined us back in Episode 158, and so much has happened since. But Jimi's story doesn't start with world records, or even with Web3. It starts with a love of trees. Environmentalism runs in his family, and that passion showed up early. In his university days, he went door to door in his dorm, raising money for environmental causes one conversation at a time. But he began to envision something much bigger. That vision led him to set a Guinness World Record for the most mangroves planted by a single person in 24 hours, and then another, and now he's training to break a third. For Jimi, though, the records were never the point. They're a spark, proof that when one person shows what's possible, it inspires a whole movement to follow. It's what he calls the four-minute mile effect: once something happens once, it keeps on happening. And that's where Web3 and Treegens come in. Through blockchain, crypto incentives, AI tree-counting technology, and a global community of regenerators, Jimi is working to scale this movement toward something almost unimaginable: the first-ever Billion Tree Day. In today's discussion you'll learn: 🌳 How a childhood passion for trees and the environment grew into a world-record-breaking mission to regenerate the planet 🏆 The story behind Jimi's Guinness World Records, and what planting for 24 hours straight teaches you about perseverance 🌱 How Treegens is using Web3, the TGN token, and AI tree-counting to build a global community of regenerators 🌍 The audacious plan for the first-ever Billion Tree Day, and how technology makes that kind of global coordination possible ‍ ‍--Key Takeaways-- 🏆 The four-minute mile effect: Jimi's world records are a proof of concept for something much bigger. Just like the four-minute mile, once thought impossible, was broken again and again the moment one person showed it could be done, Jimi believes that demonstrating what's possible with tree planting will inspire a wave of others to follow. It’s a great reminder that the boldest goals often start with a single person willing to prove they're achievable, and that real leadership means lighting a path for others to walk down too. 🌱 Web3 and AI can turn regeneration into something people are rewarded for: One of the deepest problems Jimi points to is that our economy currently values the degeneration of nature more than its regeneration. Treegens is working to flip that. By using blockchain and token incentives to reward people for planting trees, and AI tree-counting technology to bring trust and transparency to the process, they're building a system where regeneration can pay. That shift, from asking people to volunteer to rewarding them is what could unlock tree planting at a global scale. 🌍 Audacious goals, like a Billion Tree Day, are how you move people: A billion trees planted in a single day sounds almost impossible, and that's the point. Big, bold, seemingly unreachable goals are the ones that capture imaginations and rally people together. Jimi and Treegens have already helped push toward hundreds of millions of trees in a day, and now they're coordinating people across borders, powered by Web3, toward that billion-tree milestone on the International Day of Forests. Beyond the sheer numbers, there's a deeper why: mangroves absorb enormous amounts of carbon and are a lifeline for coastal communities that depend on them. --CTAs from the Episode-- 🤝 Explore AI & Web3 consulting opportunities with Crypto Altruists: https://www.cryptoaltruists.com/consulting --Full shownotes with links-- www.cryptoaltruists.com/blog/crypto-altruists-episode-268-from-world-records-to-a-billion-trees-how-web3-ai-can-scale-a-global-movement-of-regenerators-with-jimi-cohen-of-treegens Love our podcast? Consider supporting us with a Fiat or Crypto contribution! Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  6. Sep 9

    Episode 267 - When the Rains Come: How Blockchain Is Building Climate and Financial Resilience for Kenya's Informal Traders, with BlockBima, Fortune Credit, Shamba Network, and RiskShield

    For episode 267 of the Crypto Altruists podcast, we’ve got a full house. We are joined by four guests, each representing a different piece of a groundbreaking pilot project, and together they tell a story that's an incredible example of how blockchain is changing lives and building more resilient communities. Across Kenya, and much of Sub-Saharan Africa, informal market traders live with a brutal kind of vulnerability. Picture a woman running a produce stall in an open-air market in Nairobi. When the heavy rains come, and they're coming harder and more often, her stall floods, her customers vanish, and her income stops. But even though her business has ground to a halt, payments are still due on the loan she took out to stock it. A rainfall shock becomes a credit shock, pushing already-vulnerable people even further out of the financial system. Traditional insurance was supposed to help with this kind of risk, but for informal traders, it simply doesn't work. Filing claims, submitting documentation, and waiting weeks for a payout that arrives long after the crisis has passed is both inaccessible and too expensive to deliver at this scale. So a group of organizations came together to do it differently. In a pilot supported by Mercy Corps Ventures, parametric climate insurance is embedded directly into microloans. When satellite data confirms it's rained too much, a smart contract automatically reduces the borrower's loan balance, with no claim to file, no forms, and no waiting. And the results were remarkable. To unpack it all, we’re joined by Kennedy Nganga of BlockBima, Benson Njuguna of Fortune Credit, Mohammed Mwijaa of Shamba Network, and Agrotosh Mookerjee of RiskShield. In today's discussion you'll learn: 🌧️ How blockchain is helping last-mile communities build financial and climate resilience, reaching people the traditional system has left behind ⚡ How embedded, parametric insurance delivers automatic payouts in a single day, with no claims process, no paperwork, and no waiting ⛓️ How blockchain-powered smart contracts and oracles are transforming traditional insurance into something cheaper, faster, and more people-friendly 🌍 Why keeping the technology invisible was the key to reaching people, and what that teaches all of us building for real-world impact ‍ ‍--Key Takeaways-- 🌧️ When insurance pays out automatically, a rainfall shock no longer has to become a credit shock: For informal market traders in Kenya, they face a cruel cycle: the heavy rains close your stall and wipe out your income, but the loan you took to stock your business is still due. This pilot breaks that cycle. By embedding parametric climate insurance directly into microloans, the model automatically reduces a borrower's loan balance the moment satellite data confirms excessive rainfall. There is no claim to file, no paperwork, and no waiting weeks for relief that arrives long after the crisis. The protection shows up during the shock when people need it most, representing a more humane way to design a financial product for the people most exposed to climate change. 💳 Blockchain can change the math on who counts as "bankable": Some of the numbers from this pilot are staggering. Settlement times were cut by 97%, from thirty days down to just one, and settlement costs dropped by 3,000 times, from over twenty dollars to a fraction of a cent. When the cost of delivering a micro-policy approaches zero, the entire financial logic that has excluded informal businesses for so long falls apart. In this pilot 100% of borrowers were new customers, 76% were women, and more than half had previously been denied a loan. 🌍 The best technology for real-world impact is the kind nobody notices: In this pilot, the blockchain operated in the background. The traders just experienced a better, safer loan, the loan officers just used their normal workflow, and nobody had to learn about smart contracts, oracles, or stablecoins. And yet all that technology was working quietly in the background, coordinating between parties who don't fully trust each other: the insurer, the lender, the oracle, and the reinsurer, and creating a single, verifiable source of truth that made the whole thing possible. --CTAs from the Episode-- 🤝 Explore AI & Web3 consulting opportunities with Crypto Altruists: cryptoaltruists.com/consulting 📨 Subscribe to the Crypto Altruists' Newsletter: crypto-altruists.ghost.io --Full shownotes with links-- https://www.cryptoaltruists.com/blog/crypto-altruists-episode-267-when-the-rains-come-how-blockchain-is-building-climate-and-financial-resilience-for-kenyas-informal-traders-with-blockbima-fortune-credit-shamba-network-and-riskshield Love our podcast? Consider supporting us with a Fiat or Crypto contribution! Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  7. Sep 3

    Episode 266 - Live GoodBuilders Workshop Recording: Building for everyone: Web3 Without the Complexity

    For episode 266 of the Crypto Altruists podcast, we’re excited to share a live recording of our workshop hosted by GoodDollar, for the GoodBuilders community. The session is called “Web3 Without the Complexity: Building for Everyone,” where we highlight five humanitarian case studies of projects that have done an excellent job turning the complexity of Web3 into a seamless user experience, while having an incredible real-world impact. The presentation is built around a simple thesis: the projects winning real adoption aren't the ones explaining blockchain better. They're the ones that removed the need to explain it at all. We highlight five projects that have done exactly that, MiniPay, HesabPay, Kotani Pay, the Stellar and UNHCR partnership, and All In For Sport's work with Sarreya. Each one solved a boring, everyday problem, paying a bill, sending money home, getting paid safely, and used crypto quietly, as plumbing in the background. And I close with the practical patterns and design principles you can take back to your own work. ‍--Key Takeaways-- 🛠️ Go where your users already are: The projects reaching people at scale didn't ask users to download a new app or learn a new system. They won by removing steps. MiniPay embedded into a browser people already opened, HesabPay designed for the basic feature phones people already owned, and Kotani Pay made blockchain access as familiar as buying airtime. The hardest engineering happens out of sight, behind the interface, so the person on the other end never has to think about a blockchain at all. 💡 Solve a real problem, not a crypto problem: None of these projects led with the technology. They led with a specific, painful, everyday need: paying an electricity bill, sending money home, cashing out at a corner shop, getting paid safely. Crypto was simply the best tool for the job, used quietly as plumbing in the background. The lesson for builders is to start with the human need, not the tech, and to denominate value in what people trust, like stablecoins and local currency, rather than volatile tokens. 🤝 Sometimes the goal isn't reducing friction, but shifting power: The most powerful example wasn't really about user experience at all. When All In For Sport worked with the Sarreya community in Somaliland, the real breakthrough was choosing to put ownership and decision-making into the community's hands rather than holding onto it themselves. Meeting people where they are isn't only a design principle about smoother onboarding. At its best, it's about giving up control, and shifting power to the people you're building for. Success, ultimately, looks like a user who has no idea they're using a blockchain, and a community that had real ownership in what's being built. --Full shownotes with links-- https://www.cryptoaltruists.com/blog/crypto-altruists-episode-266-live-goodbuilders-workshop-recording-building-for-everyone-web3-without-the-complexity --Love our podcast? Consider supporting us with a Fiat or Crypto contribution!-- Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

  8. Aug 27

    Episode 265 - Rebuilding Trust Online: Private Digital Identity and Blockchain-Backed Verifiable Elections in the Age of AI, with UrVote & Veri

    For episode 265 of the Crypto Altruists podcast, we're excited to welcome Cooper Squirrell, Founder of UrVote and Veri, two companies tackling one of the most important and underappreciated problems of our time: how do you verify what's true online without giving away everything else? We've all felt that unease. The email that lands in your inbox warning that your data may have been compromised. The intense verification process that asks you to hand over your passport, a selfie, and proof of address just to confirm one small fact about yourself. So much of our digital world runs backwards: we over-share by default, exposing our entire identity to prove a single thing. And the stakes go far beyond spam and inconvenience. Around the world, trust in institutions is fraying, democracy is under real pressure, and faith in the integrity of elections is being tested. Now more than ever, we need systems people can actually trust. And this is the intersection Cooper is building at. Through UrVote, he's built blockchain-backed voting technology designed to be both anonymous and auditable. And through Veri, he's building privacy-preserving digital identity infrastructure, including one of the first zero-knowledge email credentials. In this conversation, we demystify zero-knowledge proofs, explore how to build elections people can trust, dig into what a better model for digital identity looks like, and talk about where privacy, verification, and trust are all headed over the next decade, especially as AI makes it harder to tell what, and who, is real. In today's discussion you'll learn: 🔐 What zero-knowledge proofs are, explained in plain language, and why they might be one of the most important privacy tools of the next decade 🗳️ How blockchain-backed voting can be both anonymous and auditable, and what that means for rebuilding trust in elections 🆔 A better model for digital identity, one where you can prove what matters without handing over your entire personal life 🤖 Why verification and privacy are becoming existential questions in the age of AI, deepfakes, and bots ‍--Key Takeaways-- 🔐 Getting digital identity right is more important than ever: We're at a pivotal moment. As AI makes it harder to tell what's real and who's real online, the questions of digital privacy, identity, and trust are becoming existential. From deepfakes to bots to endless data breaches, the old model, where we hand over our entire identity just to prove a single fact, is breaking down. The next decade will determine whether digital identity empowers people or exploits them, and whether our elections and institutions can earn back the trust they've lost. ⚙️ The best technology fades into the background: One of the most important lessons from this conversation is that blockchain works best when you don't even notice it's there. For all the power of zero-knowledge proofs and on-chain verification, none of it matters if regular people can't use it or find it confusing. The goal isn't to make everyone understand the cryptography under the hood, it's to bake the technology into the background and deliver a simple, intuitive user experience. Real adoption comes from meeting people where they are instead of asking them to become experts in blockchain. 🗳️ Privacy and verification don't have to be a trade-off: At the heart of this work is an idea that sounds almost contradictory; that elections can be both completely private and fully auditable. Everyone should be able to participate while keeping their vote private, and at the same time, receive an onchain receipt of their vote and the ability to independently verify that it was counted. For so long, we've been told we have to choose between privacy and accountability. But zero-knowledge technology shows that's a false choice. You can protect the individual and prove the integrity of the whole, at the same time. --CTAs from the Episode-- 📨 Subscribe to the Crypto Altruists' Newsletter: crypto-altruists.ghost.io 🧰 Check out the Web3 Impact Toolkit early access: cryptoaltruists.com/web3-impact-toolkit --Full shownotes with links-- https://www.cryptoaltruists.com/blog/crypto-altruists-episode-265-rebuilding-trust-online-private-digital-identity-and-blockchain-backed-verifiable-elections-in-the-age-of-ai-with-urvote-and-veri --Love our podcast? Consider supporting us with a Fiat or Crypto contribution!-- Learn more at https://www.cryptoaltruists.com/about/support --DISCLAIMER-- While we may discuss specific web3 projects or cryptocurrencies on this podcast, do not take any of this as investment advice and make sure to do your own research on potential investment opportunities, or any opportunity, before making an investment. We host a variety of guests on this podcast with the sole purpose of highlighting the social impact use cases of this technology. That being said, Crypto Altruism does not endorse any of these projects, and we recognize that, since this is an emerging sector, some may be operating in regulatory grey areas, and as such, we cannot confirm their legality in the jurisdictions in which they operate, especially as it pertains to decentralized finance protocols. So, before getting involved with any project, it’s important that you do your own research and confirm the legality of the project. More info at cryptoaltruists.com/disclaimer

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About

Looking to explore how blockchain, Web3, and emerging technologies like AI are changing the world for the better? Welcome to Crypto Altruists (formerly Crypto Altruism), the podcast where we highlight real-world stories of social and environmental impact powered by cryptocurrency and Web3 innovation.  Each episode features inspiring interviews with Web3 builders, changemakers, and impact leaders using decentralized technologies to tackle global challenges like climate change, financial inclusion, scientific progress, and much more. Discover actionable advice, proven strategies, and lessons learned to help you thrive as a Web3 impact builder.  Whether you're a Web3 entrepreneur, DAO contributor, nonprofit leader, crypto enthusiast, or anyone passionate about the intersection of tech and purpose, this podcast is your guide to leveraging Web3 for positive change.  Subscribe now and join us on a journey to uncover how Web3 is creating a brighter future for people and the planet.  Key Topics: Regenerative Finance (ReFi), Decentralized Finance (DeFi), Decentralized Science (DeSci), Crypto Philanthropy, Impact DAOs, NFTs for good. *Formerly known as The Crypto Altruism Podcast.

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