The Fintech Blueprint

Lex Sokolin
The Fintech Blueprint

Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.

  1. 12월 6일

    The Decentralized AI Revolution with 0G Labs CEO, Michael Heinrich

    Lex 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

    46분

  2. 11월 21일

    Coinbase view on the future of crypto, with VP of International Policy Tom Duff Gordon

    Lex 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

    46분

  3. 10월 29일

    Scaling Dynasty to 2,5k Monthly Signups using TikTok, with CEO Alessandro Chesser

    Lex 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

    44분

  4. 10월 7일

    What really happened at Synapse according to Founder Sankaet Pathak

    Lex 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

    49분

  5. 9월 16일

    Brigit's journey to $100MM+ revenue and $1B in fees saved, with CEO Zuben Mathews

    Lex 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

    46분

  6. 8월 26일

    Building a 800,000 device DePIN blockchain, with Peaq Founder Till Wendler

    Lex 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

    36분

  7. 7월 29일

    Pipe's Pivot from Revenue Exchange to Digital Lending, with CEO Luke Voiles

    Lex 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

    47분

  8. 7월 12일

    Embedding Insurance in digital lending, with Danielle Sesko of TruStage

    Lex 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

    40분
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소개

Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.

정보

  • 제작진
    Lex Sokolin
  • 방송 연도
    2021년 - 2024년
  • 에피소드
    170
  • 등급
    무삭제판
  • 저작권
    © 2021 The FinTech Blueprint
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    The Fintech Blueprint

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