Nephology

Nephos Group

Nephology, hosted by Nephos Group believes that it’s not only time to throw out the old ways of thinking when it comes to finances, but to also educate others on how to do such things. This podcast discusses everything from the future of finance to breaking down cryptocurrency and digital finances into easy-to-understand chunks. Bringing you insights through trending news, past successes, failures, client stories and knowledgeable guests. Listen in every Tuesday to the men & women changing the face of finance.

  1. Sep 24

    89 | Decentralized Compute vs Big Tech: How io.net Is Competing With AWS and Azure

    Today on Nephology, host Joe David sits down with David Sherman, Director of Brand and Communications at io.net, to explore branding at the intersection of AI and Web3, and how privacy in tech is reshaping the conversation around crypto. Having previously led content and communications for the Starknet Foundation and NEAR Foundation, David brings a rare cross-ecosystem view of how blockchain narratives are built and sustained. He shares practical insights on: What io.net actually does, and how to explain "decentralized AI infrastructure" to listeners who see crypto and AI as separate worldsWhat winning the narrative battle looks like when competing for share of voice against hyperscalers like AWS and AzureHow decentralized compute, or DePIN, is turning idle GPUs into a global network, and how that story lands with enterprise buyers new to cryptoWhat moving between Starknet and NEAR taught David about what makes a blockchain narrative stick versus fall flatHow growing privacy concerns in tech are increasingly intersecting with the case for decentralized, crypto-based infrastructureWe also discuss how David builds one brand voice that speaks credibly to developer, institutional and consumer audiences at once, how io.net tells a trust-building tokenomics story around its Incentive Dynamic Engine, and where David sees the brand battleground shifting next as AI, compute and trust increasingly converge. About David Sherman: David Sherman is Director of Brand and Communications at io.net, a decentralized AI infrastructure network. He previously led content and communications for the Starknet Foundation and NEAR Foundation, two of web3's leading Layer 1 ecosystems, and held senior brand roles at AppsFlyer and Kin Ecosystem. Across his career, he's built brand, narrative, and executive communications strategies for organizations at the intersection of blockchain, AI, and enterprise technology. Connect with David: LinkedIn: https://www.linkedin.com/in/dstlv/ Website: https://io.net/ #DePIN #DecentralizedAI #Web3Branding #AIInfrastructure #Privacy #Blockchain #DigitalAssets #Crypto #Fintech #NephologyPodcast #TechBranding #CryptoAI

  2. Sep 17

    88 | The Compliance Trap: Elizabeth Anjorin on Why "Ready" Firms Rarely Are

    Today on Nephology, host Joe David sits down with Elizabeth Anjorin, regulatory and compliance consultant and Board Member at galore., to explore DeFi regulation, AI in compliance, and Africa's stablecoin opportunity. With over nine years of experience spanning TradFi, DeFi, Web3, stablecoins and AI, and having come into the space from the trading and institutional side rather than the legal track, Elizabeth brings a distinctive lens on where compliance is really working and where it's falling short. Elizabeth talks through what a trading background lets her spot that a lawyer-trained compliance officer might miss, and what she actually looks for when a firm walks in believing it's already "compliance-ready." With MiCA's twenty-two week application window opening in September, she sets out what firms should be doing right now, and at what point it's simply too late to bother applying. She also gives the one amendment she'd make to MiCA, and what she thinks will actually change in practice. On AI, she's candid about where it's genuinely working in compliance and where firms are getting it wrong. And on stablecoins, she digs into why Africa is having a real moment for payments and commodities settlement, what makes the continent such fertile ground for adoption, the first three questions she'd ask a Nigerian or Kenyan institution exploring stablecoin settlement, and where she'd advise an issuer to licence first over the next five years, plus which jurisdiction she thinks is most overrated right now.We also discuss galore.'s pivot into curated, invitation-only fintech and private markets events, why that intimate format beats a traditional conference for bringing decision-makers together, Elizabeth's boldest dated prediction, and the piece of received wisdom in crypto compliance she thinks is simply wrong. About Elizabeth Anjorin:Elizabeth Anjorin is a regulatory and compliance consultant with over nine years of experience across TradFi, DeFi, Web3, stablecoins and AI. She is a Senior Consultant at Tetractys Partners LLP and Owner of Arca Compliance, advising firms on FCA authorisation, cryptoasset registration, DeFi structures, stablecoin frameworks and MiCA readiness across jurisdictions including the UK, US, Dubai, Hong Kong and the EU. She also serves as a Board Member at galore., a curated events platform for fintech and private markets leaders. LinkedIn: https://www.linkedin.com/in/elizabethanjorin/  #Compliance #DeFi #MiCA #Stablecoins #AI #CryptoRegulation #Fintech #NephologyPodcast #DigitalAssets #Africa #WealthManagement #Web3

  3. Sep 8

    87 | Inside the FCA's Crypto Gateway: How Firms Should Be Preparing Right Now

    Today on Nephology, host Joe David sits down with James Burnie, Partner at gunnercooke LLP, to explore crypto law, AI hardware, and building the rules for Web3's next chapter. Ranked Band 1/Tier 1 for Blockchain and Cryptocurrencies in Chambers FinTech and having advised over 300 Web3 companies, James brings a rare inside view spanning both the legal and technical frontiers of digital assets. He shares practical insights on:What it was like advising on the UK's first successful ICO and first equity issuance settled on-chain, with no legal playbook to followHow James has helped shape an estimated 2–3% of the world's cryptoasset regulation, advising regulators including the Mauritius FSC and Kazakhstan's AFSA What UK firms should be doing to prepare for the FCA's new cryptoasset gateway opening this September How liability can arise in tokenisation and real-world asset projects even without intentional wrongdoing The "fund trap" catching out good crypto projects, and how founders can avoid it We also discuss James's newest venture as a Director at AskGaius, an AI device built to run offline and never send data to a server, how hosting the Crypto Cast podcast has shaped his view of the industry from the other side of the mic, and where James sees crypto and AI regulation heading next as an advisor to the Law Commission's DAO panel. About James Burnie: James Burnie FRSA is a Partner at gunnercooke LLP, ranked Band 1/Tier 1 for Blockchain and Cryptocurrencies in Chambers FinTech, and has advised over 300 Web3 companies including on the first UK-based ICO and the first equity issuance settled on-chain. He is also a Director at AskGaius, a next-generation offline AI device, host of the Crypto Cast podcast, an advisor to the Law Commission's DAO panel, and a contributor to the UKJT legal statement on cryptoassets and smart contracts. Connect with James : LinkedIn: https://www.linkedin.com/in/james-burnie-frsa-889b09a5/ Website: https://gunnercooke.com/practice-area/blockchain-cryptoassets-smart-contracts-and-defi/ #Web3Law #CryptoRegulation #DigitalAssets #AIHardware #Blockchain #Tokenisation #RWA #DAO #Fintech #NephologyPodcast #CryptoCompliance #DigitalAssetsLaw

  4. Aug 28

    86 | Bringing Capital Markets Onchain: How RealFi Is Reinventing the Stablecoin

    Today on Nephology, host Joe David sits down with Seny Orlov, GTM Lead at RealFi, to explore USDr, yield-bearing stablecoins, and the future of bringing capital markets onchain. Having moved from Morgan Stanley into DeFi and blockchain infrastructure roles at R3, Keyrock, Lisk and BOB, Seny brings a rare view across both traditional finance and crypto. He shares practical insights on:What USDr is, and how it differs fundamentally from stablecoins like USDT or USDCWhy most of the $300+ billion in stablecoins circulating today is economically unproductiveWhere the yield in USDr actually comes from, direct lending, money market funds and Treasury bills, and how it stays sustainableWhy RealFi is launching first on Cardano before expanding to EthereumThe biggest technical and trust challenges in proving offchain collateral is genuinely there and performingWe also discuss the regulatory landscape facing yield-bearing stablecoins, including concerns raised by the American Bankers Association and the ongoing GENIUS Act debate, how RealFi's go-to-market strategy adapts given current unavailability in the US, EU, UK and Hong Kong, and where Seny sees the convergence of stablecoins, DeFi and RWAs heading over the next five years.About Seny Orlov:Seny Orlov is GTM Lead at RealFi, where he's helping bring capital markets onchain through USDr, a next-generation stablecoin backed by real-world assets and direct lending. A former Morgan Stanley professional with MBAs from London Business School and Berkeley Haas, Seny has spent his career at the intersection of DeFi and traditional finance, with prior roles in ecosystem growth and strategic partnerships at R3, Keyrock, Lisk, and Distributed Crafts (BOB).Connect with Seny:LinkedIn: https://www.linkedin.com/in/seny-orlov/ Website: https://realfi.co/#RealFi #USDr #Stablecoin #YieldBearingStablecoins #RWA #DeFi #DigitalAssets #CryptoRegulation #Fintech #NephologyPodcast #WebThree #CapitalMarkets

  5. Aug 21

    85 | Down the Rabbit Hole: How Hoptrail Is Using AI to Untangle Crypto's Compliance Problem

    Today on Nephology, host Joe David sits down with Henry Burrows, Founder and CEO of Hoptrail, to explore crypto source-of-wealth analytics, AI-powered screening, and building trust between crypto and traditional finance. Having run the crypto division of a London business intelligence firm and spent five years in Mumbai on pre-transaction due diligence, Henry brings a rare inside view into the compliance gap that led him to found Hoptrail. He shares practical insights on:- What source-of-wealth analytics for crypto actually involves, and why proving it is harder than a traditional bank deposit- How Hoptrail's client base grew from individual HNWIs to the UK's leading private banks, wealth managers, law firms and trusts- What delivering the first enhanced due diligence report for a major UK bank in 2022 taught Henry about institutional crypto reporting- What AI can reliably automate in source-of-wealth analysis, and where a human is still needed in the loop- The most surprising or controversial findings from Hoptrail's Annual AML Leaderboards ranking crypto compliance across the industryWe also discuss The Rabbit Hole, Hoptrail's newly launched crypto counterparty intelligence portal, how Hoptrail's ISO 27001 certification and Swiss data centre have won over conservative institutions on data security, and how fast-moving regulation, including the FCA's cryptoasset regime, MiCA and the GENIUS Act, is shaping what banks and wealth managers expect from tools like Hoptrail.About Henry Burrows:Henry Burrows is the Founder and CEO of Hoptrail, the market-leading platform for crypto source-of-wealth analytics used by financial institutions and HNWIs. Founded in 2021, Hoptrail now serves the UK's leading private banks, wealth managers, law firms and trusts, offering AI-powered, institutional-grade risk and wealth screening. Before Hoptrail, Henry ran the crypto division of a London-based business intelligence firm and spent five years in Mumbai working in pre-transaction due diligence and litigation support for an investment bank.Connect with Henry:Website: https://hoptrail.io/ uk.linkedin.com/in/henry-burrows-843b7922 #Hoptrail #SourceOfWealth #CryptoCompliance #AML #DueDiligence #AI #DigitalAssets #CryptoRegulation #Fintech #NephologyPodcast #WebThree #WealthManagement

  6. Aug 6

    84 | The GBP Stablecoin Shaping the Future of Money

    Today on Nephology, host Joe David sits down with Reuben Blamey, Co-Founder and COO of Agant, to explore GBPA, the UK's FCA-registered sterling stablecoin, and the future of regulated digital payments in Britain. Having spent nearly a decade trading FX and building expertise in DeFi before co-founding Agant, Reuben brings a rare inside view into what it takes to build trusted, regulated money infrastructure from the ground up. He shares practical insights on: What GBPA is, and why the UK needs its own regulated, sterling-backed stablecoinWhat Agant's FCA registration as a cryptoasset business actually involved, and why it matters for institutional trustWhy GBPA operates across Ethereum, Base, Tempo and Solana from day one, rather than a single networkAgant's case to Parliament on capital requirements for stablecoin issuers, and the risk of destabilising a coin's pegWhy institutional payments, settlement and tokenization come before retail adoption We also discuss the new partnership that made Nephos Group Agant's official accounting partner for proof of reserves and attestation on GBPA, how partnerships like the Clear Junction onboarding route build the trust layer institutions need, and where sterling stablecoins fit in a market still dominated by dollar-backed coins. About Reuben Blamey: Reuben Blamey is Co-Founder and COO of Agant, the UK-based, FCA-registered issuer of GBPA, a fully backed, 1:1 sterling stablecoin built for institutional payments, settlement and tokenized asset markets. Before Agant, Reuben spent nearly a decade trading FX, commodities and equity indices, and building expertise in DeFi, market making, liquidity provision and on-chain yield strategies, experience he now brings to building trusted, regulated digital money infrastructure for the UK. Connect with Reuben: LinkedIn: https://www.linkedin.com/in/reubenjb/ Website: https://www.agant.io/ #Agant #GBPA #Stablecoin #SterlingStablecoin #DigitalAssets #UKCrypto #CryptoRegulation #FCA #Fintech #NephologyPodcast #WebThree #DigitalPayments #ProofOfReserves

  7. Jul 9

    83 | Dirham Digital: How AE Coin Is Rewiring UAE Business Payments with Ramez Rafeek

    Today on Nephology, host Joe David sits down with Ramez Rafeek, General Manager of AED Stablecoin LLC, to explore AED stablecoins, regulated digital payments, and the future of business transactions in the UAE.Having led AE Coin from licensing through to real-world adoption, Ramez brings a rare inside view into what it takes to build a Central Bank-licensed stablecoin from the ground up. He shares practical insights on:- The journey to becoming the UAE's first Central Bank-licensed, AED-backed stablecoin- How the 1:1 AED backing works in practice, and why that builds trust- The practical advantages of settling business payments in AE Coin over traditional banking rails- Where adoption is heading next, from retail and hospitality to professional services and beyondWe also discuss the landmark partnership that made Nephos Group the first professional services firm in the UAE to accept AE Coin payments, how AE Coin supports businesses operating across borders, and how stablecoins and CBDCs may evolve side by side.About Ramez Rafeek: Ramez is the General Manager of AED Stablecoin LLC, the company behind AE Coin, the UAE's first Central Bank-licensed, AED-backed stablecoin. With a strong focus on compliance and innovation, Ramez leads the growth of AE Coin while ensuring strict adherence to UAE Central Bank regulations. His strategic vision drives secure, transparent operations and widespread adoption across the digital currency landscape.Connect with Ramez:LinkedIn: linkedin.com/in/ramezrafeekWebsite: https://aedstablecoin.ae/#AECoin #Stablecoin #AEDStablecoin #DigitalAssets #UAECrypto #CryptoRegulation #Dubai #Fintech #NephologyPodcast #WebThree #DigitalPayments #CentralBankUAE

  8. May 15

    82 | VARA Unlocked: How to Get Licensed in the UAE's Crypto Capital with Manpreet Kaur

    Today on Nephology, host Joe David sits down with Manpreet Kaur, Director of Licensing and Regulatory Compliance at Neo Legal UAE, to explore the UAE's virtual asset regulatory landscape and what it really takes to get licensed and compliant in one of the world's most active digital asset hubs.  Having worked inside VARA itself, as well as at KPMG, PwC, and leading UAE legal consultancies, Manpreet brings a rare inside-out perspective on how the framework was built and how to navigate it today.  She shares practical insights on:  - How VARA, ADGM and DIFC fit together and what that means for your business  - The end-to-end journey from entity setup to licence approval  - The most common mistakes that slow companies down or get them into trouble  - How the UAE compares to the UK, MiCA and Singapore for regulatory clarity and opportunity  - Building a career in virtual asset compliance and making the move to Dubai  We also discuss how traditional finance and institutional players are engaging with the region, the evolution of VARA's licensing regime, and how Manpreet works alongside Nephos to support virtual asset businesses entering the market.  -----------------------------------  About Manpreet Kaur:  Manpreet is Director of Licensing and Regulatory Compliance at Neo Legal UAE, with a background spanning VARA, KPMG UK, PwC Middle East, and UAE legal consultancies. She has guided clients through licensing with VARA, ADGM and DIFC, and specialises in virtual asset compliance, corporate structuring and cross-border digital asset regulation.   Connect with Manpreet:  - LinkedIn: https://linkedin.com/in/manpreet-kaur-uae - Website: https://neolegal.ae/

About

Nephology, hosted by Nephos Group believes that it’s not only time to throw out the old ways of thinking when it comes to finances, but to also educate others on how to do such things. This podcast discusses everything from the future of finance to breaking down cryptocurrency and digital finances into easy-to-understand chunks. Bringing you insights through trending news, past successes, failures, client stories and knowledgeable guests. Listen in every Tuesday to the men & women changing the face of finance.