Podcasts about fintechs

Asset-based lending is booming—but one key challenge remains: can you actually trust the value of your collateral? In this episode, Charlie sits down with Thomas Galbraith, CEO of Barkr, to explore why asset valuations have historically been inconsistent, how private credit stepped in as banks pulled back, and how new, data-driven approaches are helping lenders better understand and manage risk in this growing space.Send us Fan MailFor more information on BankTalk:BankTalk  WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please  email us. 

If you can't beat Wise on FX, and reality is most fintechs can't; then the smarter move is to partner with them. Let's go into the why!In this episode recorded live at Money20/20 Asia, I speak with Samarth Bansal, General Manager at Wise Platform.We go behind the scenes and I ask the questions I've always had hypothetical answers to. For years my mandate as a Neobank Product leader was to beat Wise, and I knew unless we were to change our business model to properly compete, the answer is we can't.But now, FinTechs and banks can partner with Wise through Wise Platform. It's a fascinating conversation!We cover:[01:00] How Wise approaches cost efficiency: the obsession behind the pricing model[02:30] What actually drives Wise's infrastructure advantage[04:30] Going direct into local payment rails and optimising treasury FX forecasting[08:30] How embedding Wise Platform made life easier for banks and their customers[09:30] Standard Chartered, Bank Mandiri, Morgan Stanley: who's using Wise Platform and why[17:00] How Wise prioritises market expansion, and what drives corridor decisions[19:00] Instant payment rails in APAC: PayNet, PromptPay, and what sits on top[21:00] How Wise achieves sub 20 second transfers: compliance, liquidity, and rail access[23:00] Where AI fits, and where Wise is being deliberate about deployment[25:00] Why APAC will redefine global cross border payments standards within three years

En este episodio hablamos de los eventos más relevantes relacionados a los mercados financieros de Estados Unidos durante la semana laboral que terminó el viernes 5 de junio de 2026.En la empresa de la semana hablamos de Nu Holdings $NU (08:11)Y en la sección educativa hablamos de Fintechs (12:42)Les dejo la liga a nuestro canal de youtube donde podrán encontrar los audiogramas y videos educativos: https://www.youtube.com/channel/UC6thsV8Y_m2DgYPOqjLVfSQY también dejo la liga del blog donde estaremos subiendo las transcripciones de los episodios: www.ramonlog.com

Carrie Osman, Founder & CEO, CruxyLondon-based Cruxy has delivered growth strategy to 40+ capital markets FinTechs and advised 20+ private equity firms (ranging from $1bn up to $100 billion AUM) on value creation through product, packaging and pricing. More than 80% of Cruxy's clients are based in the USA. The firm's Founder and CEO, Carrie Osman talks FinTech value creation with Robin Amlôt of IBS Intelligence. 

Banks are about to lose two of their biggest advantages: custody and payments. A new White House EO opening Fed master accounts to fintechs could be the catalyst. Thanks to our sponsor! Coinbase One Get 20% off the first year of your Coinbase One annual plan ⁠⁠coinbase.com/unchained⁠⁠ A White House executive order is pushing the Fed to open its master account system to fintechs and crypto firms, and the implications are bigger than most people realize. Katherine Kirkpatrick Bos, Jessi Brooks, and Vy Le trace what it would mean to plug crypto directly into the core plumbing of the US dollar system, why traditional banks should be furious, and where the guardrails are missing. They also dig into the NYT's scathing CFTC piece and whether the snark undermines the serious allegations. Plus the SEC's delayed innovation exemption, Commissioner Hester Peirce's departure, and the White House AI EO that collapsed in eighteen hours. Jessi maps the four White House factions fighting over AI governance, and argues crypto's "don't trust, verify" model is exactly the accountability layer AI needs. Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katherine Kirkpatrick Bos⁠⁠⁠⁠⁠, General Counsel at StarkWare. Previously held senior legal roles across DeFi and centralized exchanges. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jessi Brooks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, General Counsel at Ribbit Capital ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TuongVy Le⁠⁠⁠⁠⁠⁠, General Counsel at Veda Learn more about your ad choices. Visit megaphone.fm/adchoices

Cannabis banking is complex, highly regulated, and full of opportunity. In this episode, Kristin Stowe of Credit Union 1 shares what it really takes to serve this underserved industry—from compliance and operational challenges to pricing and long-term strategy.We cover key differences from traditional banking, why starting with deposits matters, and what's ahead as the industry evolves. Whether you're exploring cannabis banking or refining your approach, this episode offers practical, real-world insight.Send us Fan MailPresented by Remedy ConsultingFor more information on BankTalk:BankTalk  WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please  email us. 

Fintechs suspeitas por esquema com PCC movimentaram R$ 26 bilhões. Trump pressiona por criação de nota de US$ 250 com o rosto dele. Imposto de Renda 2026: o que fazer para preencher mais rápido. Casos graves de Influenza dobram no Brasil: quem deve tomar Tamiflu e quando o antiviral funciona. Lesão grau 2: o que é problema que pode deixar Neymar de fora da estreia na Copa do Mundo.

Este episódio do Podcast 15 Minutos investiga a Operação Fluxo Oculto, um desdobramento da Operação Carbono Oculto que foca no cerco financeiro ao Primeiro Comando da Capital (PCC).

Immer freitags analysieren wir in unserem „Wochen-Podcast“ aktuelle Entwicklungen in der deutschen Banken-, Fintech- und Payment-Branche. Diesmal haben sich unsere Redakteure Christian Kirchner und Bernd Neubacher den folgenden Themen gewidmet: #1: Die Deutsche Bank hält ein Präsenz-HV ab – dass unsere Podcaster das noch mal erleben! Ein Stimmungsbericht #2: AR-Chef Alexander Wynaendts will jetzt "die Spitze der europäischen Bankenindustrie angreifen". Ähem, nach welchen Kriterien denn? #3: Erstaunlich viele Commerzbank-Aktionäre dienen der Unicredit ihre Aktien an. Was steckt dahinter? #4: Die Provisionen sprudeln, die Kosten steigen – wie weit ist das Bankhaus Metzler bei seinem Umbau vorangekommen? #5: Was eine Übernahme der Commerzbank für hiesige Asset Manager (die ja stark über die Coba vertreiben) bedeuten würde #6: Knackpunkt "Bewegungsmelder" – worum es bei den Schließfach-Fällen von Norderstedt und Gelsenkirchen im Kern geht == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Postproduction: Podstars Hamburg Musik: Liturgy of the street / Shane Ivers - www.silvermansound.com

Uma das fintechs investigadas na Operação Fluxo Oculto movimentou sozinha mais de R$ 1 bilhão em dinheiro vivo em um esquema de lavagem de dinheiro ligado ao PCC. A ação conduzida pelo Grupo de Atuação e Combate ao Crime Organizado (Gaeco) do Ministério Público de São Paulo e pela Receita Federal cumpriu cerca de 60 mandados de busca e apreensão em São Paulo, Paraná, Rio de Janeiro, Minas Gerais e Mato Grosso do Sul. No total, os relatórios de inteligência financeira apontaram movimentações de quase R$ 26 bilhões. O Giro de Notícias mantém você por dentro das principais informações do Brasil e do mundo. Confira mais atualizações na próxima edição.

Alex Fine joins this episode of Stabled Up and explains how fintechs are going on chain.Alex Fine is Founder of Fun, the highest-converting on-chain payments platform.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro And Recent Raise00:38 Fintechs Going On Chain01:27 Fun: Highest Converting On-Ramp03:55 Three Eras Of On-Chain Payments05:38 KYC Bad Risk Models06:01 99% Fiat To Stablecoins06:39 The Costco Revenue Model07:49 $40M Deposit Must Clear09:30 Smart Personalized Deposit Flows23:54 AI At Fun Discussion25:07 AI Plus Six Nines Caution26:37 Separating Self From Company27:30 Stress Is Probably Accurate29:46 Agentic Payments Are Coming31:03 AI Needs Blockchains For Money33:36 Fintech 50 H2 PlanGuest Socials:Alex Fine: https://x.com/AlexKFineFun X: https://x.com/funFun Website: https://fun.xyz/Partners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---APYX - Enhanced Digital Credit Yield, Onchain | On Track to Become the Largest Holder of STRC. https://apyx.fi/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_id=133&aff_id=36664---

Banks are about to lose two of their biggest advantages: custody and payments. A new White House EO opening Fed master accounts to fintechs could be the catalyst. Thanks to our sponsor! Coinbase One Get 20% off the first year of your Coinbase One annual plan ⁠⁠coinbase.com/unchained⁠⁠ A White House executive order is pushing the Fed to open its master account system to fintechs and crypto firms, and the implications are bigger than most people realize. Katherine Kirkpatrick Bos, Jessi Brooks, and Vy Le trace what it would mean to plug crypto directly into the core plumbing of the US dollar system, why traditional banks should be furious, and where the guardrails are missing. They also dig into the NYT's scathing CFTC piece and whether the snark undermines the serious allegations. Plus the SEC's delayed innovation exemption, Commissioner Hester Peirce's departure, and the White House AI EO that collapsed in eighteen hours. Jessi maps the four White House factions fighting over AI governance, and argues crypto's "don't trust, verify" model is exactly the accountability layer AI needs. Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katherine Kirkpatrick Bos⁠⁠⁠⁠⁠, General Counsel at StarkWare. Previously held senior legal roles across DeFi and centralized exchanges. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jessi Brooks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, General Counsel at Ribbit Capital ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TuongVy Le⁠⁠⁠⁠⁠⁠, General Counsel at Veda Timestamps

Most banks and credit unions say growth is the top priority heading into 2026. At the same time, fintechs are winning the relationships that drive future deposits, payments, and engagement. In this episode, Lee Wetherington from Jack Henry joins me to break down the findings from their 2026 Strategic Benchmark Study and explain why many financial institutions still struggle to act on signals already sitting in their own data. We discuss silent attrition, payment flow analytics, Gen Z deposit growth, AI investment priorities, and why payments have become the control point in the customer relationship. This conversation is not just about technology. It's about how the game of banking is changing. This episode is sponsored by Jack Henry®. At Jack Henry, we believe the world is a better place with community and regional banks and credit unions. For 50 years, we've put financial institutions at the center of our modernization. We're here to help you innovate faster, differentiate strategically, and compete successfully – with one goal in mind: to improve the financial health of the people you serve. To learn more about the findings discussed in today's episode, download the full Strategy Benchmark study here: https://discover.jackhenry.com/strategy-benchmark-study-2026 Subscribe to Banking Transformed for new episodes published multiple times weekly. #BankingTransformed #Banking #DigitalBanking #Fintech #AIinBanking #Payments #BankStrategy #CustomerExperience #FutureOfBanking #GenZBanking

With Rafael Loureiro, Co-Founder & Chief Executive Officer, Wealth.com Rafael Loureiro on why estate planning is shifting from a static legal exercise to an AI-powered, advisor-led planning process. In Summary Estate planning has traditionally operated outside the core advisor workflow—handled through attorneys, revisited infrequently, and often disconnected from the broader client relationship. Louis speaks with Rafael Loureiro, Co-Founder and CEO of Wealth.com, about how AI is beginning to change that model. The conversation explores how advisors can use tools like Ester to surface planning gaps, stay ahead of client changes, and deliver a more continuous planning experience. For advisors, the broader implication is strategic: as investment management becomes increasingly commoditized, integrated planning and ongoing coordination may become a far more meaningful differentiator. The Storyline Most advisors already discuss estate planning with clients. The challenge is what happens next. In many cases, the process still moves outside the advisor relationship: clients are referred to an attorney, documents are created, and the estate plan becomes something revisited only after a major life event or liquidity event forces an update. Louis and Rafael explore why that structure is starting to break down. Rafael's own estate planning experience following the sale of Emailage to LexisNexis exposed how fragmented the process could feel, even for highly engaged clients working with sophisticated advisors. That experience ultimately became the foundation for Wealth.com and its AI-powered planning platform, Ester. The discussion focuses less on AI as a headline topic and more on how it changes advisor workflow in practice—from document interpretation and planning summaries to surfacing next actions and helping advisors stay proactively engaged as client circumstances evolve. For advisors thinking about the future of planning, the conversation raises a larger question: if financial planning itself becomes increasingly standardized, where does the next layer of differentiation come from? Topics Covered Continuous estate planning AI-powered advisor workflows com and Ester Advisor-led estate planning Family office-style client service Trust and estate attorney collaboration Estate planning for mass affluent clients AI agents in wealth management Dynasty Financial Partners integration Advisor differentiation beyond investment management > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Rafael decide to build Wealth.com? (06:04) Rafael explains how his own estate planning experience after a liquidity event exposed major disconnects between advisors, attorneys, and clients. Why did Wealth.com choose an advisor-led model instead of direct-to-consumer? (14:28) The platform was designed around the belief that advisors (not marketing campaigns) are best positioned to initiate estate planning conversations with clients. What does “continuous estate planning” actually mean? (20:13) Rafael describes a system where client life changes, tax events, and asset activity can trigger proactive advisor engagement rather than periodic document reviews. How does Ester move beyond document summarization? (32:30) The platform now identifies planning opportunities, prepares tasks and reports, and increasingly helps advisors automate portions of the planning workflow. Why are enterprise firms and large banks adopting platforms like Wealth.com? (24:57) Many firms were already producing estate planning summaries manually for ultra-high-net-worth clients. AI allows those capabilities to scale much more efficiently. How should advisors think about the role of trust and estate attorneys going forward? (26:50) Rafael argues that AI enhances – not replaces – the attorney relationship by improving efficiency and reserving more sophisticated matters for specialized legal expertise. What may differentiate advisory firms as planning becomes more commoditized? (38:02) The discussion points toward responsiveness, coordination, personalization, and deeper client integration as the next major competitive layer for advisors. Key Takeaways Rafael believes estate planning is shifting from a one-time legal exercise to a continuous planning process supported by AI and advisor engagement. Wealth.com was intentionally built as an advisor-first platform rather than a direct-to-consumer business. Ester's AI capabilities now extend beyond summarization into identifying planning gaps, surfacing opportunities, and preparing advisor workflows. Many firms are using estate planning as a way to deepen relationships and expand into more family-office-style service models. AI may allow advisors to serve more clients while maintaining a higher level of personalization and responsiveness. Trust and estate attorneys remain critical for complex situations, but AI can improve efficiency and help clients arrive better prepared. Advisors who fail to expand beyond investment management risk competing in an increasingly commoditized landscape. https://youtu.be/BDI6XbEz_4E Quotable Moments “When AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task.” “Investment management is becoming table stakes. Financial planning is becoming table stakes.” “Why does it have to be that way? Now with AI, why can we not have continuous estate planning?” “It is the intangibles.” “My goal is to empower the advisor.” Related Resources Human Intelligence in the Age of AI: Why Recruiters Still MatterArtificial intelligence can analyze firms and deals. It can't replace the insight and advocacy that help advisors make the right move. The Future of Prospecting: How AI Is Powering the Next Era of Advisor GrowthFINNY Co-Founder Eden Ovadia shares how AI is transforming advisor prospecting: automating outreach, matching advisors with ideal clients, and freeing time for deeper human connection. A forward-looking conversation on what growth will look like in the next era of wealth management. Rafael LoureiroCo-Founder and CEO Rafael Loureiro is a technology entrepreneur and product-focused executive with more than 20 years of experience across startups, growth-stage companies, and Fortune 500 organizations. He is Co-Founder and CEO of Wealth.com, a leading estate and tax planning platform powered by proprietary AI and purpose-built for financial institutions. Under his leadership, Wealth.com has expanded into a comprehensive planning platform, embedding deterministic AI to deliver precise, auditable outcomes across estate and tax workflows. Prior to founding Wealth.com, Rafael served as Chief Technology Officer at Emailage, a global fraud prevention SaaS company acquired by RELX in 2020. He is a member of the Forbes Finance Council and has been recognized across the industry, including CEO of the Year honors and Forbes' Top AI Founders to Watch. Originally from France and raised in Brazil, Rafael now resides with his family in the Phoenix metro area. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com A conversation with Louis Diamond and Rafael Loureiro, Co-Founder & Chief Executive Officer at Wealth.com. Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com. It’s a conversation with Rafael Loureiro, the firm’s Co-Founder & Chief Executive Officer. I’m Louis Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wire house, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned, and each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: In the wealth management world, estate planning has largely lived in a separate lane. It’s a topic advisors may raise with clients then hand off to an attorney and eventually a set of documents come back, filed away, rarely revisited, and often disconnected from the rest of the planning process. That structure has been in place for a long time and for the most part, it’s gotten unquestioned, but when you step back, it creates a gap between what do clients expect from their advisor and what actually gets delivered when it comes to estate planning. Rafael Loureiro, co-founder and CEO of Wealth.com, ran straight into the gap after a planning event of his own which should have been a coordinated process, felt fragmented, manual, and surprisingly opaque. And likewise, I recall the same type of disjointed experience in my own estate planning process. It’s experiences like these that became the starting point for building Wealth.com. What makes this story interesting isn’t just that they’re using AI but how they’re using it inside the estate planning process, and it’s how AI allows the model itself to change from a one-time legal event to something that evolves alongside the client, from static documents to a system that can actually interpret, update, and surface what matters, from a disconnected handoff to something the advisor can actively lead. In my conversation with Rafael, we get into how that plays out in practice, how tools like Ester move from summarizing estate documents to identifying gaps, to prompting next steps, and eventually preparing action on behalf of the advisor, because when AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task and starts to look more like a continuous part of the advice process. So let’s dive in. Rafael, thank you for coming on our show today. Rafael Loureiro: My pleasure, Louis. Thank you for having me here. Louis Diamond: Of course. Let’s jump in and in researching you and speaking to you in the past, I got to admit, you had a very different path into the wealth management industry probably than anyone I’ve ever interviewed. So can you walk us through your background briefly and early professional endeavors? Rafael Loureiro: Absolutely. The accent that you hear is Brazilian. So I’ve been in the US for 25 years. I’m a software engineer by trade, came here as a HMB, been involved with different companies over the years and then most recently before Wealth.com. I was a chief technology officer with a fraud prevention company, nothing to do with wealth management, but by selling that company, it’s how the Wealth.com story started. Louis Diamond: Perfect. And I was referring to also some of your early career endeavors even before founding your last company, if you’re comfortable sharing that. Rafael Loureiro: Yeah, absolutely. I’ve been involved with four different startups in different spaces. One of them was in, if you remember all the way back to 2008, the real estate prices, the first startup with foreclosures. So when houses went into foreclosures, me and my partner, we created a system to index that. I also had work on a photo album company. It became a lifetime business. It’s still running. I was the CTO and I did my share of consulting. I used to work for Accenture, Avanade, and then a home builder Fortune 500 companies. So I have a ton of experience in the technology space before Wealth.com. Louis Diamond: Perfect. And you mentioned the last business that you started that I believe sold to LexisNexis. Can you walk through what that business was? Rafael Loureiro: Yeah. So I did not start the business. I joined the business before Series A. The person that started the business, Rei Carvalho, he’s actually Wealth.com chairman. So the team is still together. The US, San Francisco, New York, offices in Sydney, Singapore, London. We serve clients like Coinbase, grew very fast and then got acquired by LexisNexis in 2020 during peak COVID. Think about, we literally signed the documents, popped the champagne on March 2020. No vaccine. Louis Diamond: Oh, my God. Rafael Loureiro: We literally popped the champagne and we all went back home to work from home because that was the guy that’s from LexisNexis. Through that experience, selling a company, one thing you usually do, it’s a big liquidity event and estate planning is always related to big moments. You get married, someone in your family die, you have a new kid, you have a liquidated event. So I work with a financial advisor. They’re amazing. They helped me with financial planning, wealth management, saved me a lot of money insurance. But when it was time to do the estate planning, Louis, my experience was, “Hey, Rafael, we always work with this lawyer, go talk to the lawyer.” And then it was a completely broken process. First, because it was COVID and I had to go see the lawyer face-to-face. That was weird right there. Second, because I was expecting the lawyer to know everything about me because my advisor knows everything about me, know about my life situation, know about liquid event, know about my kids, rental houses, everything and then the engineer. I know what I told the lawyer, but do I know for sure that everything I told the lawyer end up in the document? No, I don’t. Long story short, otherwise it is a long story, we’re having a virtual coffee. I don’t know if you remember everyone, big beard, long hair, everyone working from home, and then somehow all the Emailage C-level team and founders, the co-founders, we start complaining about state plan. Even another example, my chairman, the Wealth.com chairman, Emailage CEO, Rei Carvalho, he was like, “Hey, Rafael, I’m done with the summer heat in Arizona. I’m moving to Denver. I’m going for cooler weathers.” Literally the moment he moved to Denver, he gets a call from his estate planning lawyer, welcome him to Denver and saying, “Hey, we need to update your documents. “But I just spent thousands of dollars creating my documents.” “Yeah, but you live in a new state, you have to optimize your documents.” At that moment, Louis, we’re like, “Where there’s a problem, there is an opportunity,” and the company was born. Louis Diamond: I find the best company origin stories, it’s you have that, you have a personal experience or a moment where you have a realization that there’s a problem that you have that others might have as well, so let’s create a business around solving this problem. It was legitimately at that point, it wasn’t a long burn, we’re going to research, we’re really going to think about this, it was just all of the core team that was fortunate enough to have a big liquidity event were complaining and commiserating about a similar problem on estate planning and then that launched into, let’s build a company, let’s build a platform, a product to solve this problem? Rafael Loureiro: Yes and no. We saw the opportunity. We had just finished selling a company. It takes a lot from you and your family to create a company and to sell a company. Before we started a new company, we said, “Hey, look, we feel like there is something here, but let’s do the proper groundwork, make sure that the market is right, that there is a need that it’s not only us complaining about these.” I’m going to say that we spend a good three month, we have vision document together, doing a market research and then we got excited. Literally my wife who was not super excited in the beginning said, “You guys just sold a company. You’ve been racing 100 miles an hour for the last seven, eight years and you guys going to do this again.” But I love it. It’s part of my DNA. I love the challenge. I love to build and it is a big problem. When you look at the US market, 67% of the population don’t have estate planning. You have to ask yourself, why? Is that because it costs too much money? Is that because people don’t know enough about estate planning that they don’t do it? Is that because people don’t have to think about that? So the opportunity is there. We did the groundwork. We got the team together, at least some of our eight players. We went to Altus Capital, that’s the same venture firm that led the Emailage series B and we said, “Look, we have a vision, we have a team and we believe the market is ready for it. There is no dominant player and it is blue ocean.” And then they gave us the initial funding, them and my chairman, and then we went from having an idea to launching the product in May 2022. Louis Diamond: Wow, that’s amazing. Before we dive into the rapid growth and what the platform looks like, et cetera, can you just give us a quick overview of what Wealth.com looks like today? Who are you serving? Who are you selling to and where does it fit into an advisor’s value proposition or their advice stack, if you will? Rafael Loureiro: Absolutely. So Wealth.com we empower financial advisors to provide a family office experience to their clients starting with estate planning and tax planning. What I’m trying to solve, Louis, is my situation. I want my financial advisor to be the hub of my needs. So if the need is financial planning, wealth management, insurance, estate planning, tax planning, I need my financial advisor to be aware of all these verticals, right? Because I know if something happens to one of us, my financial advisor is my person. He or she’s going to get my call from my wife and say, “Hey, am I all right?” I want to empower the financial advisor with all the tools to provide that family office experience to their client. So that’s first, we started by providing doc migration. So think of this, you are mass affluent client, between half a million dollars all the way to 10 million dollars. You don’t have your revocable trust, your will, your power of attorney, your advanced healthcare directive, your guardianship documents. We do that. We create those documents. You go to the workflow on the Wealth.com platform if you have an advisor, I need to make that clear, we’re not direct to consumer business. You have to have an advisor. So you go to that workflow and at the end of the workflow, you get the documents. Those are legally optimized, all the documents. The document you get in California is going to be completely different from the document you get in New York, from the document you get in Florida. I just want to make that point clear. What we noticed, Louis, working with these advisors is if you look at the average advisor, if you look at his or her book of business, 80% is mass affluent. So think lawyers, doctors, firemen, 20% high net worth. Usually the high net worth clients, ultra-high network clients, they already have the documents. They already paid $20,000 to have those documents draft and we were not doing anything for them. So in 2022, we had that light bulb moment even before LLMs. OpenAI launched in 2022, we actually used the Bertha model before OpenAI, but I know I’m digressing. Let me get back here. So I was not doing anything for these high net worth, ultra-high net worth clients. So we had this idea, what if we use AI to read their existing plans, all their grants, LATs, all this sophisticated irrevocable trust, connect to all their assets and then provide a summary of everything they have in place? So that was the idea in 2022. Can we do it? And we did it and that became Ester and that became our family office experience. So just to summarize, we help the advisor clients regardless where they fall in the wealthy spectrum. They don’t have the estate planning documents, we create them. If they already have the estate planning documents, we use AI to read this documents, summarize them and provide insight and observations. “Hey, here are ways that you can optimize these documents.” That’s what we do. Louis Diamond: It’s so valuable. I wish I met you a month ago because I went through a very expensive estate planning exercise with an estate planning attorney and my own personal experience is exactly the same that you had. It’s expensive. I have no idea what I was signing. It was a long questionnaire and it wasn’t driven necessarily by my advisor. They gave me the idea to get updated estate plans, but it was a disconnected process. So this makes a ton of sense. I think let’s pull on the thread of being a direct to advisor company rather than trying to pull an end around the advisor and going directly to a consumer. Why was that an important design decision for you? Because I would assume the total adjustable market might be a little bit bigger if you’re going direct to a retail client that may or may not have an advisor versus going directly to a business, an RIA, a wealth management firm, et cetera. Rafael Loureiro: Yeah. What we notice working within these spaces, something triggers you to do your estate planning. I’m not going to ask why you decide to do yours now, but usually it’s related to death in the family, a kid going to college, you buy a new house, you have a new baby, you’re getting married, you get a divorce. Direct to consumer, you have to find the client at that moment for them to consider estate planning as an important thing to do. There’s actually surveys. I think Fidelity put a survey out, that says family is the main reason why people do estate planning. And the second reason is the advisor. So if you work with a financial advisor, most likely he or she’s going to make you do your estate planning. So we did not want to be on the direct to consumer place spending millions and millions of dollars in marketing. We’d rather spend millions and millions of dollars in AI and technology and serve the advisor and empower the advisor to have this conversation and go to you and say, “Hey, Louis, how is it possible that you don’t have your estate planning document? Let’s do this now.” And I know this is uncomfortable. There’s another survey that came out recently saying that some of the advisors don’t want to talk about that. It’s still a hard subject to approach, but we have to have this conversation. Louis Diamond: I would say it almost sounds like an advisor not wanting to talk about their fees. Let’s not talk about that because it’s uncomfortable and no one wants to hear about it. Rafael Loureiro: Oh, you have to have it because they saw a huge lack of education. For example, one thing that we come across all the time, and I know it’s minor, is kids going to college. “Oh yeah, my daughter’s going to college. I don’t have to do anything.” Yeah, you do. She needs an advanced healthcare directive because if you don’t have one and something happens to her, you cannot just go to the hospital and ask for information. They won’t give it to you. We need to educate our clients. We need to do a better job. And I think advisors play that role and we want to empower them to talk about estate planning and tax planning. Louis Diamond: It makes sense. It’s a brilliant strategy because instead of advisors selling against Wealth.com as like, “I can do better and I have a estate planning guy I can refer you to,” it’s you’re working alongside them and you rely upon the advisor to provide the education to be the trigger moment. And I know again, from personal experience, if my advisor didn’t suggest that I should update my estate planning documents because I moved states, I wouldn’t have done it. It’s not like a fun thing to do. It’s an expense, et cetera. So that makes a ton of sense. You’re partnering with the hub or the influencers, if you will, of who’s driving estate planning in this country. It’s a great strategy. Rafael Loureiro: And you said something very important and I want to highlight, the world is very different after COVID. Before COVID, some of these advisors, all their clients were in the same city. I had one estate planning lawyer to help my clients, right? But now with after COVID or during COVID, people moved. “Oh yeah, I’m not living in a farm. Oh, I moved to Montana. Montana is beautiful. I saw Landman or Yellowstone. Now I’m leaving Montana. Landman is in Texas.” How? Now you don’t have estate planning lawyer in Texas. You don’t have estate planning lawyer in Montana. With the right partnership with Wealth.com, now you can serve all your clients regardless where they are in the US because we are present in every jurisdiction and we have lawyers in every jurisdiction. So we empower you to serve clients regardless where they are in the US. Louis Diamond: Very cool. And how about the pricing model? You don’t have to say what it costs, but is it one license that a firm is buying on behalf of their entire client base or is there an incremental cost for each client? And I’m throwing a lot at you. And then third part of the question is, are you seeing advisors charge directly for the Wealth.com estate planning output or are folks wrapping it into their fee as just a value added service as part of their planning and comprehensive wealth management process? Rafael Loureiro: Very good question. My goal, our goal, has always been we want to make estate planning available, democratized estate planning, make it more accessible to the population. So the way we charge is we charge the advisor annual recurring fee. We do not charge per document. I want you to provide estate planning to all your clients. That’s our goal. I don’t want you to think, oh, but that’s going to cost me money. No, all your clients set them all up with estate planning. Are they charging? It depends. So the way I’m going to say this is, I’m going to say that 60% of my advisors are charging not for the documents because they’re not lawyers, they’re charging to help educate you on estate planning. You as a client, you have to go to the process yourself to get the documents. So that’s where an advisor would send an invitation to Wealth.com. You and your wife or your partner, you’re going to go to the workflow and you’re going to get the document at the end. But the advisor is going to set up a call with you, the advisor is going to help you collect the documents. The advisor is going to educate you why estate planning is important. And some of them are charging for this. Some of our advisors, more on the high net worth, alternate high net worth space, you already charge a very good fee to provide your service so they probably provide Ester output, I should say, as a value added service. It depends on the use case. Louis Diamond: Makes sense. So I’ve heard you talk in interviews about a major gap in estate planning between client expectations and what a client is expecting, hoping to get with estate planning, especially when it comes to interacting with their financial advisor and what is actually fundamentally delivered by advisors. So I’m curious, why is there a gap and why do you think that gap has existed for so long? Is it as simple as people don’t like talking about death and it’s expensive or is there a deeper answer? Rafael Loureiro: I think it’s all of the above and your experience is amazing. You pretty much, you are the typical client. You took long to do it. It costs you a lot of money. You’re now like, next time you have to do an update, you’re going to wait five to 10 years to do it because we spend thousands of dollars to get it updated. Why does it have to be like that? And now with AI, and that’s what I think is going to change a lot in the next five years, is why can we not have continuous estate planning? What I mean by that is work with your advisor. I have connection to all your assets. I have connection to CRM. I have connection to your bank account. If you give me access, I don’t need password, but you can actually connect all your assets, I have connection to the portfolio management platform. So as you live your life, as you get married, as you buy a property… You finally decide to buy a property in Tahoe, I get these pings and then I can empower your advisors to say, “Hey, go talk to Louis and say, hey, it’s time to update your estate plan.” Or a rental property outside your home state in California, you need to update your… Or he has just crossed a tax threshold or he just got married or he just had a new beneficiary. My goal is to empower the financial advisor to provide more and more value to this relationship. I’m not trying to replace the financial advisor, but I’m trying to empower him or her to give you more value so him or her becomes more critical for your relationship. Why people haven’t done estate planning I think is a lack of education, is the fear of the cost. “Oh, I have to talk to a lawyer. Oh my gosh, that’s going to cost me $5,000.” I want to make this easier. I want to make this simple. I want to empower the advisor to demystify estate planning and tax planning, make it more accessible, bring the estate planning more to the middle. What I mean by that is why is this estate planning exclusive to the high net worth, ultra-high net worth? Because in that space, 90% of the people have estate planning, 90% of the people. It’s the fear of the cost, I think, and then people don’t want to think about that. Louis Diamond: Yeah. I think that’s exactly right. Yeah. It very much sounds like it’s a win-win. It’s like a next best action type event where you’re giving an advisor on a silver platter a way to add value, which is what I think every advisor wants to do and then it’s a massive value add to the end client. My guess is you don’t have much friction in delivering those sorts of insights to advisors that they can then deliver to their clients. Rafael Loureiro: I would say if you’re not doing it, there is a big risk. You’re going to lose your clients to people that are doing it and they are providing the family office experience. Yeah. Louis Diamond: Yeah. What about the competitive landscape for Wealth.com, whether it’s other FinTechs that are attempting to do something in the space or even just the legacy advisor, the estate planning attorney in town or an advisor’s preferred T&E attorney. How do you think about the competitive landscape in the trust and estate world today? Rafael Loureiro: There are competitors. From day zero when we came in, there were competitors. I don’t see an incumbent. I think now we have became the incumbent. I think there is a segment of the market, just to paint a picture, one third of the advisors are going to retire in the next 10 years. So there is a segment in the market where to your point, they already work with a estate planning lawyer. That’s not a bad thing. They’re like, “Oh yeah, I get leads from this lawyer. My clients are all located in my neighborhood. I don’t need to provide out of state estate planning,” then we’re not going to get there.” But at the same time, if you look at our growth, we’ve been growing and that’s why we just raised a series B, our growth is out there to prove it, we’ve been tripling the company size every year. There’s a need, there’s a demand. Financial advisors are waking up. They are in a very competitive market. They need to provide more to the clients because I feel like investment management, it is becoming table stakes. Financial planning, it is table stakes. So what else can I offer my clients? And that’s why you see some advisory firms offering BillPay. I file your taxes. I’ll get your estate planning done. You got to differentiate yourself. We’re seeing the need. If you look at our penetration, we have now 2,000 firms on the platform and the firms go from independent, a small SMB advisor with one or two advisors in the office, all the way to the top three, three out of the top five banks in the US. We are there, right? Louis Diamond: Wow. It’s interesting. Let’s talk about that. So on the bank side, it’s typically not a segment that is ripe for technological disruption or external tools like this to come in and make a dent. How are banks and very large platforms thinking about Wealth.com? Is it a similar kind of buying journey or decision that an individual RIA or an individual advisor would make or is it a little bit different? Rafael Loureiro: It’s a little bit different. So without mentioning names, these banks, some of these banks that work with high net worth, ultra-high net worth clients, they were providing this summary report that Ester put together, they were, before Esther, but it was taking them 30 to 50 hours. All human labor to put one together, Excel, Visa, PowerPoint, 30 to 50 hours. Even to these very expensive, very wealthy clients, they were only doing once a year. “Hey, here’s your report.” “Oh yeah, but I just sold the house in St. Barts. Can I get a new update?” “No. Next year you’re going to get the update.” I’m not even kidding. It was serious. So they were doing the work, but it was all labor-intensive. Now with Wealth, a much better output, I should say, it’s take minutes. And instead of only reserving these to the very, very wealthy clients, now they can go downstream and offer this to their mass affluent clients and then high net worth clients. They’re all seeing the need. They’re all waking up because they were doing the work, but it was all labor-intensive, like I said, all manual before and they want to automate. Louis Diamond: Very interesting. I definitely want to spend some time talking about Ester. You mentioned it a few times, but before that, I’d say two very real strategic areas that a firm might take on when it comes to estate planning. The first one is a lot of very successful advisors, they cultivate amazing COI referral relationships with attorneys and usually the attorneys are T&E attorneys for obvious reasons. Have you gotten pushback or have you seen that because of Wealth.com, these advisors now are referring less business to these high-powered trust and estates attorneys and then they’re not able to grow their business as much in return. That’s one question if you can weigh in. Rafael Loureiro: I have not heard that. And just to clarify, I think with Wealth, having Wealth as part of your tool framework, you’re going to be able to serve more clients and still leverage your trust estate attorney. And I’ll explain how. For example, we know how to stay our lane. So let’s say you go into the workflow and as part of the workflow, you say, “Hey, I have a special needs child.” At that moment we say, “Stop. Let me put you in touch with a lawyer.” You can decide to use your own lawyer or you can use one of in our network. We have lawyers in every jurisdiction, but it’s up to you. We focus on the revocable trusts and the wealth. If your client requires something more sophisticated, you can still use Wealth.com to map out the client’s situation using Ester. You’re going to be able to see everything they have in place at that moment and then use your relationship, your trust and estate lawyer to make the document update. So I think what we are doing is reserving the most complex case for the trust and estate lawyer if a document needs update, but I don’t think you are breaking that relationship. That relationship will stay there and you’re still going to have that lead exchange, but I don’t have any numbers to answer your question. Louis Diamond: I think that makes sense. It’s not like with Wealth.com, at least not yet. It’s not like there isn’t a role for a T&E attorney and especially for more complex esoteric type situations, an advisor could still refer some of their relationships to a T&E attorney, but they’ll come armed with better information. And also with more clients getting involved with estate planning, there’s also conceivably more opportunities that they can refer out to an estate planning attorney in turn. Rafael Loureiro: Can I use that? You did a much better job than I did. Exactly. Exactly what you said. The difference is now your advisor, your clients are going to be much better informed, that they know exactly what they need from the lawyer. So yeah, 100%. Louis Diamond: Perfect. And then the other one, which is I’d say less commonplace, but it’s a trend. The trend, and you hit on it, that as investments are becoming commoditized or not as differentiated, advisors are being called on to offer more and more services, whether it’s tax preparation in-house or bill pay or picking up clients’ dry cleaning, et cetera. But I think a big area that I’ve seen firms invest in is an in -house trust and estate attorney. Do you think Wealth.com is taking some of the sizzle out of that in-house service or is it just different? Is it two different use cases? Rafael Loureiro: It’s two different uses cases and we actually sell to that use case where if you have your trust estate attorneys in-house, we actually leverage them and they become users on the platform. Going back to my previous answer, now with Wealth.com, you’re going to be able to serve more clients with estate planning. You can actually route some of the use cases back to your trust estate team through Wealth.com. They do whatever they have to do and then you’re able to serve more clients. An example, trust and estate lawyers, they had to read the documents before Wealth.com. They would spend countless hours reading a hundred-page documents. Now with Esther, we do the summarization. We show your trust estate team where all the information was extracted. So instead of reading one document per hour, you’re going to be able to read three documents per hour and visualize the client estate plan and be able to optimize it because we’ve provided insights and suggestions and then the trust and estate lawyer can provide their own and say, “Hey, no, I agree with this one,” or “I think we should also do this.” I think you’re going to optimize the use of your trust estate team. You’re not going to get rid of them. No. Louis Diamond: It’s more so you’re automating the high value differentiated work. It also kind of sounds like, I don’t know when eMoney or MoneyGuidePro came into the mainstream, but it’s almost a difference between a paraplanner for a firm, manually creating pie charts in Excel and PowerPoint and analyzing a bunch of stuff and then eMoney and MoneyGuidePro and NaviPlan and all these companies come about and all of a sudden a lot of the work is automated. And it’s not like a paraplanner is out of work. They just become the experts, the users of the platform and they can allocate their attention to higher value, more bespoke work rather than we’ll say more of the factory kind of below the line things that was taking up a lot of their time. Rafael Loureiro: Absolutely. I like to use the analogy of the shoemaker. In the past, the shoemaker would make one shoe. It would be a beautiful shoe, but he would make one shoe a week or every two days. Now you have specialized agents. All that agent does is read estate planning documents. All that agent does is enriching the documents with insight and observations and looking to all the legal law changes that happened recently. So now you’re able to still make the same high quality shoe, but just at a higher volume. And you have a lot of dedicated workers doing one thing and doing one thing extremely well. So my goal is to empower the shoemaker. My goal is to empower the advisor and with a thousand analysts, a thousand paraplanners. So just making my job more efficient. Louis Diamond: I love it. You fit in Ester a good bit. It seems fairly clear what Ester’s doing. Sounds like an amazing value add. Just given the pace of AI innovation and I don’t think anyone knows where it’s going, but what are you most excited about Ester being able to do either now or in the future and what’s the vision if you can project out a year, which seems like an eternity in AI time, what’s on the dream board for what Ester’s going to be able to do for your Wealth.com clients? Rafael Loureiro: As a technologist, I love this question. I see AI in three distinct phases. You had the first phase of Ester in 2022, 2023 when we launched, which was summaries. It was amazing summarizing data. Some of these clients, Louis, think about this, some of these clients, they have 13 documents in place. They had every type of irrevocable trust you can imagine plus a revocable trust in place. They had very complicated assets, very complex assets. So Ester was amazing in summarizing. That was phase number one. Phase number two is now being able to augment. You read the data, you see an opportunity and you create a task that’s right there in front of the advisor saying, “Hey, I think you should reach out to this client and include this report with some of these observations. Click this button if you agree.” You still involve the advisor, the human is still in the loop. And that’s what we are with Ester right now. We do that. We assess the data, we see the opportunity, we involve the advisor, advisor get involved and say, “Yes, let’s do this,” and click a button, an email is triggered, our report is attached. Here we go. The third phase and that’s coming next and very soon is now you have an agent acting on the behalf of the advisor. I still want to make sure, and I want to make this very clear, I don’t want to get myself in trouble, the devices always evolve, but you have all these specific agents, that’s tax planning agent, that’s the estate planning agent, work independently, connected to the world, extremely well-trained with thousands and thousands of documents that we’ve seen over the years, finding opportunities, creating the tasks, creating the emails, creating the report, having everything ready to go, just waiting for the advisor to say, “Do it.” And we do this enough to the point where the advisor is going to say, “All right, you don’t need my permission anymore to do this specific task. Go.” You connect to the IRS, you download the text transcript, you crunch to this data, you create a report and it’s ready to go. The other thing too is I want to be able, my goal in the next year, a year and a half, is I want to continue estate planning. Up to this point, estate planning has been exactly like you described. You go to a lawyer, you pay thousands and thousands of dollars and those documents start collecting dust in a shelf somewhere while you live your life. And being from this space, that’s not how it works. There is new legislation being passed OBBA became like you crossed tax threshold, you have liquidated events, you get married, you get divorced, you buy real estate property, so on and so forth and that document is already stale. Why does it have to be that way? Now with AI, now with the technology we have in place, it won’t be. I promise you. Louis Diamond: Very cool. That’s exciting. That sounds like the perfect evolution of AI from summary, just here’s something you can read quickly to suggesting action, to then taking action. It does seem like the flow that it’s been and I’m sure there’s 15 other flows from here that we don’t even know yet. Or you probably do because you’re in this, but for me, I can’t even imagine what phase four and five are going to look like for you. Rafael Loureiro: Yes, it’s exciting. Louis Diamond: Definitely is. I saw, when I was doing some research for this that Wealth.com announced a fairly major strategic partnership with Dynasty Financial Partners, embedding Ester into their Dynasty desktop. What do you think this partnership says about where the business is going and how do you expect advisors to really take advantage of this in practice? Rafael Loureiro: It was a new development. We’re super excited about the Dynasty Financial Partnership. Before, if you look at before this partnership, we would have to empower advisor one by one with a Wealth.com license. With this partnership with Dynasty, every advisor in the Dynasty family or using the Dynasty desktop is going to be able to use Ester. So they’re going to be furnished with an AI intelligence that they can ask any estate planning questions, they can get tax planning questions answered. They’re going to be able to upload their clients’ estate planning documents and get a summary with opportunities, with everything that they can do for those estate planning documents. I think it fits perfectly well for enterprise IRAs, wire houses, this solution. Instead of doing one by one, you can actually have AI for all your advisors at once answering their most basic questions and taking action. That’s literally like the agents I was trying to describe. So that’s just the first step in that direction and we’re super excited about this. Louis Diamond: Very cool. Let me ask you another one. So you said earlier that as investment management becomes more commoditized that advisors not only have to offer more services and provide more value, but they also have to differentiate from the advisor or the firm across the street to provide more family office services, if you will. But let’s say, and this will be great for you, Wealth.com becomes like air that everyone’s breathing. It almost becomes like financial planning tool, e-Money. It’s commonplace. Now it’s commoditized across the space, it’s not a differentiator anymore to offer financial planning. As Wealth.com expands more firms work with the platform, what do you think is the next layer or next level of differentiation that your clients then can point to if it’s no longer maybe a couple of years from now that we use Wealth.com that we help with estate planning? Rafael Loureiro: Wow, that’s an interesting one, and approach my wife and bring ideas and suggestions. For me, if I can make that happen where the financial advisor is helping with my taxes, so when it’s tax time, we just have to have a one-hour meeting and we’re ready to click a button and have everything done, that can help me with BillPay. And think about like high net worth and ultra-high net worth people where it becomes extremely complicated to do BillPay properly because you have to pay from the right account, from the right trust. If they can take this off my plate so I can focus 100% in my business and my family, it’s mission accomplished. If that means that they’re going to walk my dog to make this happen, I know I’m exaggerating here, but pick up my laundry like the example you use, I think you’re going to have to do this. That in my mind is how these financial advisors survive the AI revolution. It is that personal relationship. It’s knowing me well. It’s spending more time with me than once a quarter. And with AI, with the right AI, and I know AI, there’s a lot of smoke in this space and very little fire, but with the right agents, with the right workflows, one advisor is going to be able to serve more than a hundred clients. Because right now the ratio is a hundred clients per advisor, maybe you’re going to be able to serve like 200, 250 well. Serve them well, knowing them well, knowing them personally. I think that’s going to happen in the next couple of years. Louis Diamond: I think that’s right. It’s more so like the intangibles that an advisor has. Their secret sauce isn’t going to be necessarily we offer these seven things. It’s going to be, I really get you. I understand you. It’s the advisor’s personal relationship and empathy with that client and all the years that they’ve known them. And then it’s just using all these different tools to aid that relationship. It kind of sounds like that’s what you’re saying. It’s all the other stuff that advisors do that might be different today, over time, people catch up and that becomes commoditized similar to we offer financial planning and that’s a differentiator. Now it’s, if they don’t offer financial planning, it’s a problem. Rafael Loureiro: Yeah, 100%. You got it. Yes, it is the intangibles. That’s perfect. Louis Diamond: Okay. I got two more questions for you. What’s one thing you wish more advisors understood about estate planning that they still miss today? Rafael Loureiro: I think there is an education component. Just deploying Wealth.com and expecting is going to work with your clients. It’s not like that. You need to be willing to have the conversation like your advisor did it with you. You need to have the tough call and say, “Hey, are you ready? Do you have estate planning in place? Why not?” And then having that conversation. Louis Diamond: And I would imagine too, it’s also cool, I got all these documents so instead of it getting locked in the safe or locked in the drawer, it’s also incumbent on the advisor to explain the documents. “Hey, these are a bunch of stuff in here that whatever, we don’t have to get into, but here’s the four key things about this document that you should understand. The power of attorney we’ve nominated is your father-in-law. Your proceeds are going to get distributed one-third to your son, a quarter to your daughter,” et cetera. It’s going to be those things and translating the documents into real words that clients are going to understand. Rafael Loureiro: 100%. That is critical because I’m a software engineer, I’m not equipped to be reading a hundred pages document and trying to understand everything that’s there without … Now with AI, you can actually ask Claude to summarize and Gemini to summarize it, but that was not the case three years ago. So that education component is critical. And some of my advisors are actually very successful, I should say. A smaller firm in this case, I’m not going to say the names, I don’t have that permission to say their name, but they are actually doing these estate planning webinars as a lead generation. Because clients are curious about this. Sometimes if you don’t ask them, you’re never going to know, but they’re probably very curious about estate planning. They’re probably very concerned they don’t have the documents in place. Even the ones that have the documents, they’re probably concerned that they need an update and they haven’t done it. So by doing this webinar, they feel more comfortable just going to the event. They know they’re not going to be the center of attention and then asking a question or hear people asking questions. Some of my most successful clients are actually using webinar as a lead generation to explain state planning. Louis Diamond: It’s a great idea. It’s like you’re empowering the advisor to talk more about estate planning. It’s no longer this bugaboo that was too complex or not in their swim lane. It’s empowering them to lead with, it sounds like. Rafael Loureiro: 100% Louis Diamond: Amazing. And last question, if you were an ambitious advisor building a new firm from scratch today, what would you tell them to focus on to create a more durable, harder to replicate future-proof business? Rafael Loureiro: That’s a great question because the factory floor of a hundred years ago, is no longer work. If you have a chance to start from the beginning, it’s a new world. It’s a new world for companies like ours. Even for companies like ours that are in the bleeding edge of technology, everything is changing with AI. How I organize my teams is changing with AI. So I would say select Wealth.com. No, that’s … I’m kidding. I’m kidding, but yes, I’ll say select the right tools, use AI properly, it’s no longer a headcount game. I’m not saying you’re not going to need help, you’re going to need help, but make sure the tools are talking to each other because it is a new age. It’s an agent about speed, about being able to offer more service quicker, about increasing the relationship, the intangibles, to your point. It’s no longer once a quarter call to your clients. So if I had the chance to do everything again, if I had a chance even to start Wealth.com again, it’s different how you organize your team in this age of AI. AI is going to be bigger than the industrial revolution. Trust me, the shockwave is huge. To your point earlier in this call, we’re getting a big jump every month. It’s no longer every year, every month there is something new coming from AI. So if you start your firm again, select the right partners, select the right tools and then hit the ground running. Louis Diamond: Perfect. That’s amazing. Rafael, this has been so fun. I learned a ton from you. You just have a way of storytelling and I absolutely love the why behind Wealth.com, the personal experience that probably a lot of listeners have had as the light bulb moment. And instead of just complaining about it, you actually took action and now are creating the future of estate planning, empowering advisors to offer estate planning to their clients, getting more folks in this country set up with trust and estates and wills, et cetera. So I think it’s amazing what you’re doing and I’m very excited to continue to watch your success. Rafael Loureiro: Thank you. Thank you for the opportunities and just to do a final plug, estate planning, tax planning, stay tuned. There is more coming. Louis Diamond: There we go. Thanks so much. Rafael Loureiro: Thank you. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? is a book written with you in mind it’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com A conversation with Louis Diamond and Rafael Loureiro, Co-Founder & Chief Executive Officer at Wealth.com. Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com. It’s a conversation with Rafael Loureiro, the firm’s Co-Founder & Chief Executive Officer. I’m Louis Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wire house, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned, and each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: In the wealth management world, estate planning has largely lived in a separate lane. It’s a topic advisors may raise with clients then hand off to an attorney and eventually a set of documents come back, filed away, rarely revisited, and often disconnected from the rest of the planning process. That structure has been in place for a long time and for the most part, it’s gotten unquestioned, but when you step back, it creates a gap between what do clients expect from their advisor and what actually gets delivered when it comes to estate planning. Rafael Loureiro, co-founder and CEO of Wealth.com, ran straight into the gap after a planning event of his own which should have been a coordinated process, felt fragmented, manual, and surprisingly opaque. And likewise, I recall the same type of disjointed experience in my own estate planning process. It’s experiences like these that became the starting point for building Wealth.com. What makes this story interesting isn’t just that they’re using AI but how they’re using it inside the estate planning process, and it’s how AI allows the model itself to change from a one-time legal event to something that evolves alongside the client, from static documents to a system that can actually interpret, update, and surface what matters, from a disconnected handoff to something the advisor can actively lead. In my conversation with Rafael, we get into how that plays out in practice, how tools like Ester move from summarizing estate documents to identifying gaps, to prompting next steps, and eventually preparing action on behalf of the advisor, because when AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task and starts to look more like a continuous part of the advice process. So let’s dive in. Rafael, thank you for coming on our show today. Rafael Loureiro: My pleasure, Louis. Thank you for having me here. Louis Diamond: Of course. Let’s jump in and in researching you and speaking to you in the past, I got to admit, you had a very different path into the wealth management industry probably than anyone I’ve ever interviewed. So can you walk us through your background briefly and early professional endeavors? Rafael Loureiro: Absolutely. The accent that you hear is Brazilian. So I’ve been in the US for 25 years. I’m a software engineer by trade, came here as a HMB, been involved with different companies over the years and then most recently before Wealth.com. I was a chief technology officer with a fraud prevention company, nothing to do with wealth management, but by selling that company, it’s how the Wealth.com story started. Louis Diamond: Perfect. And I was referring to also some of your early career endeavors even before founding your last company, if you’re comfortable sharing that. Rafael Loureiro: Yeah, absolutely. I’ve been involved with four different startups in different spaces. One of them was in, if you remember all the way back to 2008, the real estate prices, the first startup with foreclosures. So when houses went into foreclosures, me and my partner, we created a system to index that. I also had work on a photo album company. It became a lifetime business. It’s still running. I was the CTO and I did my share of consulting. I used to work for Accenture, Avanade, and then a home builder Fortune 500 companies. So I have a ton of experience in the technology space before Wealth.com. Louis Diamond: Perfect. And you mentioned the last business that you started that I believe sold to LexisNexis. Can you walk through what that business was? Rafael Loureiro: Yeah. So I did not start the business. I joined the business before Series A. The person that started the business, Rei Carvalho, he’s actually Wealth.com chairman. So the team is still together. The US, San Francisco, New York, offices in Sydney, Singapore, London. We serve clients like Coinbase, grew very fast and then got acquired by LexisNexis in 2020 during peak COVID. Think about, we literally signed the documents, popped the champagne on March 2020. No vaccine. Louis Diamond: Oh, my God. Rafael Loureiro: We literally popped the champagne and we all went back home to work from home because that was the guy that’s from LexisNexis. Through that experience, selling a company, one thing you usually do, it’s a big liquidity event and estate planning is always related to big moments. You get married, someone in your family die, you have a new kid, you have a liquidated event. So I work with a financial advisor. They’re amazing. They helped me with financial planning, wealth management, saved me a lot of money insurance. But when it was time to do the estate planning, Louis, my experience was, “Hey, Rafael, we always work with this lawyer, go talk to the lawyer.” And then it was a completely broken process. First, because it was COVID and I had to go see the lawyer face-to-face. That was weird right there. Second, because I was expecting the lawyer to know everything about me because my advisor knows everything about me, know about my life situation, know about liquid event, know about my kids, rental houses, everything and then the engineer. I know what I told the lawyer, but do I know for sure that everything I told the lawyer end up in the document? No, I don’t. Long story short, otherwise it is a long story, we’re having a virtual coffee. I don’t know if you remember everyone, big beard, long hair, everyone working from home, and then somehow all the Emailage C-level team and founders, the co-founders, we start complaining about state plan. Even another example, my chairman, the Wealth.com chairman, Emailage CEO, Rei Carvalho, he was like, “Hey, Rafael, I’m done with the summer heat in Arizona. I’m moving to Denver. I’m going for cooler weathers.” Literally the moment he moved to Denver, he gets a call from his estate planning lawyer, welcome him to Denver and saying, “Hey, we need to update your documents. “But I just spent thousands of dollars creating my documents.” “Yeah, but you live in a new state, you have to optimize your documents.” At that moment, Louis, we’re like, “Where there’s a problem, there is an opportunity,” and the company was born. Louis Diamond: I find the best company origin stories, it’s you have that, you have a personal experience or a moment where you have a realization that t

  In this episode, Brian Tate, the IPA's CEO, discusses the California Department of Financial Protection and Innovation's recent consent order against Yotta Technologies.   He covers what led up to the order, how it might herald a new age of regulation for Fintechs, and why it shows that companies shouldn't do business with jerks.  This podcast was recorded on May 19, 2026. Things may have changed by the time you hear it.   Listeners can learn more about the world of payments by attending one of our upcoming events:  2026 Education Forum Hosted by the Retail Gift Card Association and Best Buy, June 10, 2026, at Best Buy Headquarters in Richfield, Minnesota  IPA Payments Policy Briefing , July 9, 2026, at Bancorp's Offices in Sioux Falls, South Dakota  Compliance Boot Camp, September 10, 2026, at Discover's Headquarters in Riverwoods, Illinois, on September 10  

Los futuros de los índices de Wall Street caían y el Brent rondaba los US$110, mientras el estancamiento en la guerra con Irán aumenta las preocupaciones inflacionarias; Perú confirmó candidatos para la segunda vuelta presidencial; y Fabiola Zerpa, periodista de Bloomberg News, comenta por qué empresas fintechs de Estados Unidos visitan Caracas en busca de oportunidades. Newsletter Cinco cosas: https://bloom.bg/42Gu4pGLinkedin: https://www.linkedin.com/company/bloomberg-en-espanol/Youtube: https://www.youtube.com/BloombergEspanolWhatsApp: https://whatsapp.com/channel/0029VaFVFoWKAwEg9Fdhml1lTikTok: https://www.tiktok.com/@bloombergenespanolX: https://twitter.com/BBGenEspanolProducción: Eduardo ThomsonSee omnystudio.com/listener for privacy information.

Fintechs y firmas globales ya usan IA para evaluar créditos, asesorar inversiones y atender clientes en un país con baja inclusión financiera. (00:00) Bienvenidos (00:19) Asesoría financiera con inteligencia artificial (00:00) El primer contacto financiero

In this episode, we're joined by Sam MacPherson, Co-Founder and CEO of Phoenix Labs, to discuss Sky's evolution from MakerDAO, Spark's role as a prime agent SubDAO, and its approach to DeFi lending, liquidity management, and risk frameworks. We also cover governance restructuring, isolated lending markets, token buybacks, institutional liquidity products, fintech partnerships, and Spark's long-term vision for prime brokerage and USDT growth. Thanks for tuning in! As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. -- Follow Blockworks Research: https://x.com/blockworksres Follow Spark: https://x.com/sparkdotfi Follow Sam MacPherson: https://x.com/hexonaut?lang=en Follow Luke Leasure: https://x.com/0xMether Follow Boccaccio: https://x.com/salveboccaccio -- Subscribe on YouTube: https://bit.ly/3foDS38 Subscribe on Apple: https://apple.co/3SNhUEt Subscribe on Spotify: https://spoti.fi/3NlP1hA Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Timestamps: (0:00) Introduction (1:55) Why MakerDAO Became Sky (5:10) Spark's Role Under Sky (7:45) Spark Liquidity Layer (12:25) Conservative Collateral Strategy (17:35) DeFi Risk Ratings (24:38) Liquidity Intents Explained (27:37) Buybacks and Token Treasury (29:46) Spark's Real Competitors (32:51) Backend for Fintechs (35:56) SubDAO Competition Dynamics (43:20) What's Next for Spark (47:10) Closing Comments -- Check out Blockworks Research today! Research, data, governance, tokenomics, and models – now, all in one place Blockworks Research: https://www.blockworksresearch.com/ Free Daily Newsletter: https://blockworks.co/newsletter -- Disclaimer: Nothing said on 0xResearch is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Boccaccio, Danny, and our guests may hold positions in the companies, funds, or projects discussed.

Von Tesla bis Neura Robotics arbeiten mehr als 200 Firmen an menschenähnlichen Robotern, die unsere Wäsche falten oder Autos bauen. Ein Heer an Humanoiden soll die Deindustrialisierung stoppen. Kann das gelingen? Darum geht es im Podcast. Weiterführende Links: BMW, Siemens und Schaeffler: So sollen humanoide Roboter die deutsche Industrie retten Angriff auf Teslas Optimus: Neura Robotics – eine der größten Roboterhoffnungen Europas Optimus und Robotaxis: Teslas Robo-Bluff – wie Elon Musk die Anleger narrt KI-Innovationen: Warum Europa bei der Robotik Tempo machen muss Zum manager magazin Abo Finance Forward – der Newsletter In unserem kostenlosen Newsletter liefern wir Euch exklusive Recherchen und News über Fintechs, Krypto, Fonds und Family-Offices. Jeden Mittwoch vor dem Frühstück, direkt ins Postfach.Hier geht es zur Anmeldung! Alle manager magazin Podcasts finden Sie hier.Alle Newsletter vom manager magazin finden Sie hier. Host: Henning Hinze (Redakteurin manager magazin)Gast: Franz Anko-Hubik (Redakteur manager magazin)Schnitt und Mastering: Felix KleinProduktion: Nele Geiger, Julia Wehmeier, Sven Bergmann+++ Alle Infos zu unseren Werbepartnern finden Sie hier. Die manager-Gruppe ist nicht für den Inhalt dieser Seite verantwortlich. +++ Alle Podcasts der manager Gruppe finden Sie hier. Mehr Hintergründe zum Thema erhalten Sie bei manager+. Jetzt drei Monate für nur € 10,- mtl. lesen und 50% sparen manager-magazin.de/abonnieren Informationen zu unserer Datenschutzerklärung.

Joe Bergquist of The Banker Next Door joins us to unpack the FDIC's recent report on bank lending to non‑depository financial institutions (NDFIs). Joe walks through the supercharged growth within the NDFI space, highlighting what's driving expansion and where banks are placing their bets.We break down the types of borrowers, examine concentration trends across banks, and discuss what these findings mean for balance sheets, risk management, and future regulatory focus. Whether you're tracking indirect exposure or actively lending into the space, this conversation provides timely context and practical insight into one of banking's fastest‑growing segments.Send us Fan MailPresented by Remedy ConsultingFor more information on BankTalk:BankTalk  WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please  email us. 

Crypto regulation in Q1 2026 reshaped the stablecoin and digital asset markets with the OCC's 376-page Genius Act proposed rule, the SEC's five-category crypto asset classification, and new AML data from FATF and Chainalysis. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, breaks it all down with Robert Musiala, Partner at Baker Hostetler and co-lead of their Web3 practice.The OCC introduced the PPSI framework that every future stablecoin issuer must follow, while at least 15 crypto-native companies raced to file trust charter applications. The SEC named 18 tokens as digital commodities, replaced the "decentralization" test with a central party control standard, and Chairman Atkins previewed up to three safe harbor proposals under a tentative Regulation CA. On the enforcement side, 84% of illicit crypto transactions in 2025 involved stablecoins, the DOJ seized $61 million in USDT, and North Korea expanded state-sponsored theft into remote IT worker schemes targeting US businesses.Find out more1️⃣ Map your Genius Act transition now; the 18-month implementation window is closing fast and companies that filed trust charters in late 2025 are already positioned.2️⃣ Vet every outsourced IT vendor accepting stablecoin payments for shell company ties to state-sponsored actors.3️⃣ Audit your tokens against the SEC's five-bucket test before the safe harbor proposals drop.4️⃣ Stress test your AML program against stablecoin-specific risks like peer-to-peer transfers, multi-hop wallet chains, and shell IT vendor payments flagged by the DOJ and FATF in Q1.5️⃣ Model your Q3 budget with and without yield revenue in case the OCC's related third-party restrictions survive.LINKSGuestRobert MusialaLinkedIn: https://www.linkedin.com/in/robert-musiala/Baker Hostetler: https://www.bakerlaw.com/people/robert-musialaBlockchain Monitor: https://www.blockchainmonitor.com/CompanyBaker HostetlerWebsite: https://www.bakerlaw.com/Web3 & Digital Assets Team: https://www.bakerlaw.com/practices/web3-digital-assetsLegal Resources: https://www.bakerlaw.com/insightsHostTedd Huff: https://www.linkedin.com/in/teddhuff/Linkedin: https://www.linkedin.com/company/fintechconfidentialFintech ConfidentialYoutube: https://youtube.com/@fintechconfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains - fintechconfidential.com/dfnsSkyflow: Zero trust data privacy vault for PCI, CCPA, GDPR, SOC 2 compliance - skyflowsecure.comHawk: AI tools for real-time payment screening and fraud prevention - gethawkai.comABOUTRobert Musiala is a Partner at Baker Hostetler where he co-leads the firm's Web3 practice. He authors The Blockchain Monitor, one of the longest-running legal blogs covering crypto regulation, enforcement, and policy developments. His practice spans both traditional financial institutions and crypto-native companies.Baker Hostetler is a national law firm with deep expertise in financial services, securities, and emerging technology law.Tedd Huff is the CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. The show is produced by DD3 Media and brings you the people, tech, and companies that change how you pay and get paid.CHAPTERS00:00 Episode Highlights01:18 Welcome to Fintech Confidential01:27 Dfns: Wallets as a Service (sponsor)02:47 Show Intro And Guests05:30 Genius Act Rulebook07:38 Reserve Rules Explained13:08 Charter Rush Begins18:11 Banks Vs Crypto Score20:49 Deposit Flight And Yield25:58 Wyoming And SoFi Models29:38 SEC Five Bucket Guide32:49 Digital Commodities Line37:35 Munchee Vs Meg Prime39:21 Sky Flow: Building Fast and Secure (sponsor)40:23 Back To Atkins Agenda40:58 Atkins Next Moves43:21 Regulation CA Safe Harbors45:39 Stablecoins And Illicit Use50:25 Freezing Burning Reissuing54:13 Offshore Crackdown FATF56:24 North Korea Crypto Threats59:28 Q2 Watchlist OCC Yield01:05:11 Safe Harbor And CLARITY01:10:33 Advice For Builders Q201:13:20 Wrap Up And Sponsor01:14:08 Hawk AI - Realtime Fraud Monitoring (sponsor)01:14:53 Disclaimer

Googles Börsenwert nähert sich erstmals der 5-Billionen-Dollar-Grenze. Wie ist es dem Konzern gelungen, den ChatGPT-Angriff auf das Kerngeschäft nicht nur abzuwehren, sondern auch noch zum eigenen Vorteil zu nutzen? Darum geht es in diesem Podcast. Weiterführende Links: KI-Angriff auf ChatGPT: Inside Google – das spektakulärste Comeback der Techgeschichte Fehlende Strategie: Investoren zweifeln an Bewertung von OpenAI Künstliche Intelligenz: Code Red bei SAP und Investoren – KI-Alarm in der Softwarebranche Zum manager magazin Abo Finance Forward – der Newsletter In unserem kostenlosen Newsletter liefern wir Euch exklusive Recherchen und News über Fintechs, Krypto, Fonds und Family-Offices. Jeden Mittwoch vor dem Frühstück, direkt ins Postfach.Hier geht es zur Anmeldung! Alle manager magazin Podcasts finden Sie hier.Alle Newsletter vom manager magazin finden Sie hier. Host: Sarah Heuberger (Redakteurin manager magazin)Gast: Jonas Rest (Redakteur manager magazin)Schnitt und Mastering: Felix KleinProduktion: Julia Wehmeier, Sven Bergmann+++ Alle Infos zu unseren Werbepartnern finden Sie hier. Die manager-Gruppe ist nicht für den Inhalt dieser Seite verantwortlich. +++ Alle Podcasts der manager Gruppe finden Sie hier. Mehr Hintergründe zum Thema erhalten Sie bei manager+. Jetzt drei Monate für nur € 10,- mtl. lesen und 50% sparen manager-magazin.de/abonnieren Informationen zu unserer Datenschutzerklärung.

Recorded live at Money20/20 Bangkok, 2026What if the next big embedded finance opportunity isn't payments or lending, but connectivity?In this live conversation from Money20/20 Bangkok I sit down with Vince, Co-Founder of Fristy, to unpack why the world's leading neobanks and super apps are quietly embedding telecom into their product stack.Fristy is building what Stripe did for payments and Wise did for FX; but for global telecom infrastructure. Already live with Grab, Uber, GXS Bank. Firsty is turning connectivity from a consumer pain point into a retention and revenue driver for FinTechs.In this episode:How Grab and Uber are using embedded connectivity to reduce revenue leakage from traveling usersThe B2B infrastructure layer that lets neobanks offer seamless global connectivity without building it themselvesWhy connectivity should be on your product roadmapThe founder mindset on failure: VInce shares how he turns setbacks into forward momentumWe cover:(00:00) Telecom meets FinTech: The opportunity nobody's building for(01:30) The consumer pain point: roaming fees, SIM swaps, and broken experiences(02:30) The B2B problem(03:30) Why neobanks should embed telecom; the Grab and Uber case study(05:30) How Fristy works: one connection, every operator, local pricing globally(06:30) Where to access Fristy today: Grab, GXS Bank, KBC(07:30) The commercial case: retention, revenue, and user experience metrics(09:00) Founder mindset: How Vince approaches failure and keeps moving forward

Referências do EpisódioTCLBANKER: Brazilian Banking Trojan Spreading via WhatsApp and OutlookMuddying the Tracks: The State-Sponsored Shadow Behind Chaos RansomwareOceanLotus suspected of using PyPI to deliver ZiChatBot malwareClickFix campaign uses fake macOS utilities lures to deliver infostealersRoteiro e apresentação: Carlos CabralEdição de áudio: Paulo Arruzzo Narração de encerramento: Bianca Garcia

As sanctions risk intensifies and regulatory expectations grow more complex, financial institutions are under increasing pressure to strengthen and defend their compliance programs. In this episode of Ahead of the Curve, we sit down with Greg Pinn of Abrigo and Sarabjeet Singh, Founder and CEO of RZOLUT, to explore how data quality, risk visibility, and AI are reshaping financial crime compliance.Listen in to learn how expectations around data have evolved, why a unified view across sanctions, PEPs, and watchlists is critical, and how banks and credit unions can responsibly adopt AI while maintaining trust, transparency, and defensibility.About the guests:Sarabjeet Singh is the Founder, CEO, and Chief Product Architect of RZOLUT, bringing more than three decades of global experience in financial crimes compliance. With a strong Big 4 background, including leadership roles at KPMG and EY, his expertise spans AML, KYC, sanctions, and regulatory transformation. Sarabjeet has designed and operated large compliance Centers of Excellence for global banks and FinTechs, including multi-year programs for Top Wall Street banks and global payment providers, combining operational scale, machine learning, and automation. His teams have built and maintained global AML datasets for more than a decade. Through RZOLUT, he enables institutions to leverage high-quality data and adopt enterprise-grade screening and due diligence aligned with modern regulatory expectations.Greg Pinn has spent over 20 years building software products and data solutions to solve AML and financial crime challenges for global financial institutions. His work has included developing sanctions, watchlist, and PEP screening solutions, cryptocurrency compliance tools, adverse media offerings, and advanced risk data products. At Abrigo, Greg leads the development of innovative scan solutions that help banks and credit unions confidently navigate regulatory and operational challenges.Helpful links:Rzolut | Compliance, ConnectedWhat happens when sanctions screening failsThe new sanctions reality: Why community financial institutions need enterprise-grade screening Modernizing sanctions screening for U.S. community financial institutions - Abrigo

Der Berliner Neobroker ist zu Deutschlands wertvollstem Start-up aufgestiegen. Doch eine neue EU-Vorgabe bedroht eine wichtige Erlösquelle, und die Konkurrenz macht Druck. Was auf Trade Republic zukommt und wie das Unternehmen damit umgehen will, erfahren Sie in diesem Podcast. Weiterführende Links: Stresstest der eigenen Philosophie: Die neue Volks-Bank – Trade Republic vor dem Moment der Wahrheit Ende der Funkstille: Trade Republic ersetzt Chatbots durch Menschen Altersvorsorgedepot: Aktienbroker bereiten sich auf „größeren Boom als bei Corona“ vor Zum manager magazin Abo Finance Forward – der Newsletter In unserem kostenlosen Newsletter liefern wir Euch exklusive Recherchen und News über Fintechs, Krypto, Fonds und Family-Offices. Jeden Mittwoch vor dem Frühstück, direkt ins Postfach.Hier geht es zur Anmeldung! Alle manager magazin Podcasts finden Sie hier.Alle Newsletter vom manager magazin finden Sie hier. Host: Henning Hinze (Redakteurin manager magazin)Gast: Katharina Slodczyk (Redakteurin manager magazin)Schnitt und Mastering: Felix KleinProduktion: Julia Wehmeier, Sven Bergmann+++ Alle Infos zu unseren Werbepartnern finden Sie hier. Die manager-Gruppe ist nicht für den Inhalt dieser Seite verantwortlich. +++ Alle Podcasts der manager Gruppe finden Sie hier. Mehr Hintergründe zum Thema erhalten Sie bei manager+. Jetzt drei Monate für nur € 10,- mtl. lesen und 50% sparen manager-magazin.de/abonnieren Informationen zu unserer Datenschutzerklärung.

In today's Tech3 from Moneycontrol, Cognizant reports steady growth but flags a cost reset with restructuring plans. Karnataka flags AI's potential impact on jobs while pushing ahead with infrastructure and an AI City plan. NPCI explores giving smaller UPI apps early access to features to reduce market concentration. Heatwaves drive new safety measures for delivery workers across platforms. And Sahi raises $33 million as broking startups continue to attract investor interest.

Lori Wilson of Remedy Consulting joins BankTalk to break down key trends reshaping the software ecosystem for community financial institutions.In this episode, we explore the growing influence of private equity ownership across banking software providers and consulting firms—and what that means for long-term partnerships, pricing, and product direction. We also take a closer look at open banking initiatives and the digital migration strategies underway at the largest core providers, unpacking how these shifts could impact your next software contract.Whether you're planning a core renewal, evaluating fintech partnerships, or simply trying to stay ahead of industry change, this conversation offers practical insights to help community banks make smarter technology decisions.To connect with Lori Wilson or continue the conversation, you can reach her at lwilson@remedyconsult.net Send us Fan MailPresented by Remedy ConsultingExecutive Wins PodcastThe Executive Wins Podcast features inspiring Executives who share their biggest wins.Listen on: Apple Podcasts SpotifyFor more information on BankTalk:BankTalk  WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please  email us. 

In this episode of AML Conversations, Elliot Berman is joined by Jennie Jonas, Senior Vice President of Financial Crime Advisory, to discuss the recent surge in fintechs pursuing OCC limited-purpose trust charters. They explore what's driving this trend, how limited trust charters differ from full bank charters, and why these structures are especially attractive for fintechs operating in payments and digital assets. The conversation also dives into common misconceptions, the reality of “bank‑grade” AML and governance expectations, and what fintechs should prepare for before—and after—receiving a charter. From compliance program design and OCC examination rigor to risk governance, board expectations, and the future evolution of charter authorities, this episode offers practical insight for fintechs considering a charter and for institutions working with chartered fintech partners.

In a market defined by uncertainty, standing still on the balance sheet may be the biggest risk of all. Zach Zoia of Darling Consulting Group—and co‑host of the On the Balance Sheet podcast—joins us to unpack how financial institutions should be thinking about rate risk, balance sheet strategy, and margin pressures amid persistent yield curve volatility. We dive into how recent global events, including heightened geopolitical tensions, private credit stress, and shifting risk appetite, are influencing bank decision‑making today—and why loan and deposit pricing discipline will matter more than ever as we move into 2026. Whether you're re‑evaluating your tolerance for risk or wondering where margin tailwinds (and headwinds) may emerge, this conversation offers practical insights for ALCO and executive teams navigating what's next.Send us Fan MailPresented by Remedy ConsultingFor more information on BankTalk:BankTalk  WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please  email us. 

In the ever-evolving world of digital banking, understanding the shifts and trends is crucial for industry practitioners and innovators. In this episode of One Vision, Theodora Lau hosts Dharmesh Mistry and Dave Wallace to explore the transformative moments in banking and fintech over the past decade, the impact of technology on the financial services industry, and the future of work. They discuss the rise of 5G, smartphones, digital banking, and the need for industry revaluation to adapt to rapid technological convergence.00:00 Introduction and Guest Welcome02:20 The Game Changers and Misreads11:57 The Role of Fintechs and Neobanks21:24 The Future of Banking: A New Paradigm32:16 Rethinking Banking for the Future34:09 AI Native Banking37:03 Jobs and the Human Contribution 

In the ever-evolving world of digital banking, understanding the shifts and trends is crucial for industry practitioners and innovators. In this episode of One Vision, Theodora Lau hosts Dharmesh Mistry and Dave Wallace to explore the transformative moments in banking and fintech over the past decade, the impact of technology on the financial services industry, and the future of work. They discuss the rise of 5G, smartphones, digital banking, and the need for industry revaluation to adapt to rapid technological convergence.00:00 Introduction and Guest Welcome02:20 The Game Changers and Misreads11:57 The Role of Fintechs and Neobanks21:24 The Future of Banking: A New Paradigm32:16 Rethinking Banking for the Future34:09 AI Native Banking37:03 Jobs and the Human Contribution

In today's Tech3 from Moneycontrol, we break down Popo Ventures' potential Rs 1,350 crore stake sale amid rising investor interest in premium F&B. Fintechs brace for dual compliance as RBI and DPDP rules converge. Netflix sees strong growth in Asia-Pacific, driven by live content and evolving strategies. And quick medicine delivery startup Plazza is in talks to raise $15 million, signalling rising competition in the hyperlocal healthcare space.

The latest episode of the Consumer Finance Monitor Podcast being released today tackles one of the most consequential developments in bank–fintech litigation in recent years: the Los Angeles Superior Court's tentative decision in Opportunity Financial, LLC v. Hewlett (read more here). This case squarely addresses the long-debated "true lender" doctrine which has for decades bedeviled banks and Fintechs and "bricks and mortar" non-banks that have entered into joint ventures with one another to engage in interstate lending programs which take advantage of interest rate exportation rights afforded to banks. After applying application California and federal law, the Court granted summary judgment to OppFi and against the California Department of Financial Protection and Innovation (DFPI) which unsuccessfully maintained that OppFi is the true lender and not OppFi's partner, FinWise Bank. In this episode, host Alan Kaplinsky, founder and former chair of the Consumer Financial Services Group and now Senior Counsel, is joined by two leading voices with sharply contrasting perspectives: Professor Emeritus Arthur Wilmarth, a prominent critic of bank–fintech partnerships, and Ballard Spahr Senior Counsel Ron Vaske, who regularly advises banks and fintech companies on structuring such programs. Their discussion offers a deep and balanced exploration of the court's reasoning and its broader implications.   A Tentative Decision with Significant Implications At the center of the case is a partnership between OppFi, a fintech platform, and FinWise Bank, a Utah-chartered, FDIC-insured institution. The program allowed FinWise to originate consumer loans at interest rates permissible under Utah law and export those rates nationwide under Section 27 of the Federal Deposit Insurance Act. The DFPI challenged the arrangement, arguing that OppFi—not FinWise—was the "true lender," which would subject the loans to California's 36% interest rate cap. In a tentative ruling, the court rejected the DFPI's position and granted summary judgment in favor of OppFi. The court emphasized traditional indicia of lending authority, including: •           FinWise's role in funding the loans •           Its control over underwriting criteria •           Its retention of a 5% ownership interest •           Its ongoing oversight of compliance and marketing Critically, the court also relied on the longstanding California law principle that usury is determined at the inception of the loan. (See the discussion below.) Because FinWise originated the loans, the court concluded they were not rendered unlawful by OppFi's subsequent purchase of a 95% participation interest giving which gave it a predominant economic interest.   Competing Views on "True Lender" The podcast highlights a fundamental divide in how courts and commentators approach the true lender doctrine. Professor Wilmarth argues that the court failed to meaningfully engage with the "predominant economic interest" test, which focuses on who bears the majority of the economic risk and reward. In his view, OppFi's 95% participation interest suggests that it—not the bank—is the real lender in substance. He also raises broader concerns about whether such arrangements undermine state usury laws and expose consumers to excessively high-cost credit. Ron Vaske, by contrast, emphasizes the legal and structural realities of the transaction. He underscores that FinWise is the named lender, funds the loans, and remains legally responsible to borrowers. From this perspective, the allocation of economic interests after origination should not redefine the identity of the lender or override federal law permitting rate exportation.   The Role of "Valid When Made" Another key related theme explored in the episode is the "valid when made" doctrine—the principle that a loan that is lawful at origination remains lawful after assignment. The court's reliance on this concept reinforces the importance of determining lender status at the moment the loan is made, rather than based on subsequent transfers or participations. The discussion also touches on the interplay between state and federal law, as well as the continuing relevance of regulatory interpretations following the Supreme Court's decision in Loper Bright, which curtailed Chevron deference.   What Comes Next? It is important to note that the court's ruling is still tentative. In accordance with California procedure, OppFi must submit a proposed final opinion and order to the Court. If adopted, an appeal by the DFPI appears likely—potentially setting the stage for further appellate guidance on the true lender doctrine in California and beyond.   Why This Matters This case is part of a broader and ongoing policy debate: ·                 Supporters of bank–fintech partnerships argue they expand access to credit and operate within well-established federal banking frameworks. ·                 Critics contend they can be used to circumvent state consumer protection laws, particularly interest rate caps. As the regulatory and judicial landscape continues to evolve, OppFi v. Hewlett represents a significant—and closely watched—development. It may be significant to note that, unlike several other states, California does not have a statute stating that the holding of a "predominant economic interest" in a loan makes the holder the true lender  Be sure to listen to the full podcast episode for a deeper dive into the case and the competing legal and policy perspectives shaping the future of bank–fintech partnerships. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Revolut, Vorsorgedepot und New Debits: Das waren die wichtigsten Fintechs-News im März

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Mark Furletti, James Stevens, and Taylor Gess to unpack the surge in bank charter applications from fintechs, crypto firms, and even traditional community banking entrepreneurs. The panel explores the appeal of national trust banks and industrial banks, as well as access to Fed payment rails and stablecoin issuance. They walk through the impacts of charter type, location, interest rate "exportation," and preemption of state usury laws, including the nuanced role of branch-state activities. The conversation also offers a look at life inside the regulatory perimeter — exams, board oversight, and evolving supervisory focus — so nonbanks can realistically assess both the benefits and challenges of pursuing a bank charter in today's regulatory environment. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In 2021, PeoplesBank transitioned its core banking system to Nymbus, after the transition of its digital bank Zynlo, the previous year. Aleda DeMaria EVP, COO of Peoples Bank spearheaded the integration of a new modern core, and she joins us to reflect on a strategic partnership with Nymbus. Is your bank interested? Hear from Aleda on the strategies to prepare for this unique conversion and ways to achieve a successful transition. Send us Fan MailPresented by Remedy ConsultingFor more information on BankTalk:BankTalk  WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please  email us. 

In this episode, Lex chats with Marc Boiron — CEO of Polygon Labs. Marc shares his journey from law to blockchain, discussing the challenges of navigating crypto's evolving legal landscape and the complexities of structuring compliant DeFi projects. He explains Polygon's strategic pivot to focus on stablecoin payments, leveraging its proven blockchain and global partnerships. Marc highlights Polygon's real-world adoption, competitive edge, and vision to become the leading platform for on-chain payments. The episode offers insights into regulatory hurdles, industry trends, and Polygon's mission to transform digital money movement. NOTABLE DISCUSSION POINTS: The Labs-Foundation Structure Is a Frankenstein - and Its Creator Knows It: Marc helped architect the legal frameworks behind major DeFi token launches but openly calls the outcome a “complete Frankenstein.” The arm's-length separation between labs and foundations was necessary to survive regulatory hostility, but makes coherent execution nearly impossible. He argues projects still copying this structure today are doing so out of habit, not legal necessity. Generalist Blockchains Are Dead - Polygon Is Betting Everything on Payments: As chain architectures converge, Boiron believes differentiation through speed and low fees is over. Polygon analysed its actual usage, found stablecoin payments was the standout vertical - $2.3 trillion already moved, fintechs across LatAm, Africa, and Southeast Asia already on-chain - and went all-in. The thesis is binary: if all money moves on-chain within a decade, even the 50th-best payments chain wins big. Polygon's Real Moat Is Enterprise Trust Built During the NFT Era: The 2022–23 enterprise NFT push looked like a dead end after FTX collapsed, but it left behind institutional due diligence and credibility. Fintechs evaluating payments chains find that Polygon has years of live production use, Fortune 500 relationships, and Stripe already defaulting to it - a trust advantage no newly launched chain can replicate. TOPICS Polygon Labs, Polygon protocol, blockchain, crypto, decentralized finance, DeFi, legal frameworks, token launches, meme coins, stablecoins, payments, fintech, Ethereum, ICO boom, web3, NFT, Stripe, Circle   ABOUT THE FINTECH BLUEPRINT

In today's Tech3 from Moneycontrol, we unpack why IPOs aren't the finish line, according to Lightspeed's Bejul Somaia, and what that means for startup founders. We also dive into India's AI-native fintech gap and the $300 million opportunity investors are eyeing. Plus, legacy players take the lead in the EV two-wheeler market amid discounts and subsidy rush, and Dream11 pivots to a content-first strategy with its Watch Along feature.

Recorded live in Silverflow's networking lounge at MPE Berlin, this episode explores how banks and fintechs are reshaping the future of merchant payments. Russell Goldsmith spoke with the following guests: 1/ Robert Kraal, Co Founder, Silverflow 2/ Ugnė Buračienė, Group CEO, Payabl. 3/ Alexander Luijt, Commercial Product Manager, ING 4/ Danish Kanojia, Payments Product Lead, Wolt 5/ Vassilina Walford, Founder, PaymentVibes Across the conversations, our guests explore how banks and fintechs are reshaping modern acquiring, from the demand for full transparency in payments data to the growing expectation that technology partners must deliver speed, flexibility and global reach. They unpack why large merchants increasingly want the stability of a bank combined with the innovation of a fintech, and how partnerships like ING and Silverflow are redefining what “best‑of‑breed” looks like in practice. We also dive into the realities of collaboration: the cultural shift inside banks, the operational complexity merchants face when expanding internationally, and why trust, governance and regulatory strength remain critical differentiators. The episode highlights the balance between innovation and risk, and why merchants ultimately care about one thing: solutions that work seamlessly. A must‑listen for anyone navigating the future of acquiring, bank–fintech partnerships, merchant expansion or payment infrastructure, and for anyone curious about how the next generation of payment rails, data transparency and collaborative models will shape the industry.

In today's Tech3 from Moneycontrol, we unpack the delay in UPI subsidy payouts and what it means for fintech players. We also look at how FMCG giants are increasingly acquiring startups to drive growth and innovation. Plus, Accenture's latest results offer a reality check for India's IT sector, with AI-led but slower growth ahead. And finally, Flipkart's CFO exits as the company gears up for a potential IPO.

So, you're thinking about entering the M&A arena as a buyer? Join Kenny Haglund and Beau Hurtig from Ballard Spahr, LLP, as they walk through a practical checklist of considerations every prospective community bank buyer should evaluate to ensure a smooth acquisition process.Send a textPresented by Remedy ConsultingFor more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

Inkasso steht vor einem technologischen Wandel. PAIR-Finance-Gründer Stephan Stricker erklärt im Podcast, warum KI dabei eine Schlüsselrolle spielt.

Jochen Siegert und André Bajorat liefern die wichtigsten News des Monats. Es geht um Übernahmekandidat PayPal, den ersten Exit seit langem und Massenentlassungen wegen KI.

In this episode, Lex chats with Yoshi Yokokawa, CEO of Alpaca — a brokerage infrastructure company that provides API-based trading and custody services to fintechs and developers globally. The conversation begins with their shared experience at Lehman Brothers during the 2008 financial crisis, where Yoshi worked in fixed income securitization and learned that even when market participants sense a bubble, they keep dancing because timing the exit is impossible. After Lehman's collapse, Yoshi pursued entrepreneurship, building a computer vision AI company acquired by Kyocera before founding Alpaca in 2017. Initially inspired by Robinhood, Yoshi pivoted after experiencing firsthand the friction of accessing brokerage infrastructure—realizing the deeper opportunity was building API-first brokerage rails for developers. Today Alpaca powers 9 million accounts through 300+ partners across 45 countries, recently raising $150 million at a unicorn valuation. The discussion explores how Alpaca follows Robinhood's product roadmap to anticipate partner demand, the challenges of adding crypto, and Yoshi's thesis that finance is undergoing a generational shift from digital to on-chain operations. Lex shares examples of legacy infrastructure dysfunction—from faxing PDFs to TD Ameritrade in 2012 to the Synapse collapse caused by manual CSV uploads—illustrating why Alpaca built its own custody and ledger systems as a path to competing in the $350 trillion global securities custody market. NOTABLE DISCUSSION POINTS: Alpaca's biggest breakthrough was not a better investing app idea, but recognizing that the real bottleneck was brokerage infrastructure. Yokokawa and team initially explored B2C product concepts, but pivoted once they experienced firsthand how painful broker-dealer setup, custody, and clearing integrations were. For readers building fintech, this is a huge lesson: the highest-value opportunity is often the “invisible” infrastructure pain, not the user-facing feature set. They found product-market fit by starting with a narrow wedge (API for automated traders) and only then expanding into a broader platform (Broker API for fintech apps). Alpaca did not begin by serving large fintechs; it first attracted power users who urgently needed programmable execution, then used inbound demand (“can I build my own Robinhood?”) as proof to build account opening, reporting, and full brokerage APIs. This is a valuable go-to-market pattern for infrastructure startups: win with a sharp use case, then expand into the system of record. Yokokawa's core strategic edge is full-stack control of licenses, memberships, and ledger technology rather than relying on legacy vendors. He explicitly ties this to lessons from historical fintech fragility (manual workflows, broken reconciliations, middleware failures) and argues that owning the custody/clearing layer is what makes Alpaca defensible long term. For readers, this is the key takeaway on moat-building in financial services: if you don't control the ledger and operational core, your product may scale faster at first but remains structurally fragile. TOPICS Alpaca, Lehman Brothers, Barclays, Nomura, Neuberger Berman, Blackrock, Robinhood, Interactive Brokers, TD Ameritrade, BNY Mellon, Brokerage infrastructure, API, trading, tokenization, embedded finance, fintech, crypto, web3   ABOUT THE FINTECH BLUEPRINT

Gil Santos is Lead Quant at Credora, and Marcin Kazmierczak is CoFounder of RedStone, which recently acquired Credora.We dig into why DeFi desperately needs credit ratings, how Credora is building them, and why this is the missing piece for institutional capital to flow onchain. Gil explains the problem: DeFi has transparency of transactions but opacity when it comes to risk. You can see every trade onchain, but you can't tell if a Morpho vault is genuinely safer than another. Credora is building the Moody's and S&P for DeFi—real-time, dynamic risk ratings that update as market conditions change.In this episode, we cover:+ Why DeFi needs a ratings protocol ($10B rated, 80% Morpho TVL coverage)+ The L2Beat parallel: Raising standards for the industry+ How Credora ratings work: assessment from collateral → markets → vaults+ 2026 vision: Stablecoins to $1T, fintechs offering rated yields to retail------

Stablecoin — is it a threat or an opportunity for community bankers?Since the passing of the GENIUS Act, the debate over how stablecoin issuers should be regulated has continued to grow. Join Robert Zondag, Partner at Wipfli Advisory, as we discuss stablecoins, the evolving regulatory landscape, and the potential threats and opportunities they present for community bankers.Send a textPresented by Remedy ConsultingFor more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

In this episode of the Wharton FinTech Podcast, Bobby Ma sits down with Dean Brauer, President & COO of Cybrid. Dean shares his experience building Cybrid, who combines stablecoin, fiat, and compliance into a single API-first platform helping financial institutions, FinTechs, and enterprises integrate stablecoin infrastructure and launch end-to-end cross-border payment solutions to more than 150+ countries, at up to 90% lower cost, and with full transparency. The Company raised a $10 million Series A funding round led by BDC Capital and has grown 5x in the last 12 months. We discuss: - Dean's journey building Cybrid and his deep entrepreneurship experience - The solutions Cybrid offers in orchestrating stablecoin payments - The Company's bespoke thought partnership with customers in creating and executing their stablecoin strategy - Recent regulatory & industry trends driving forward this rapidly growing space

During a chance encounter over coffee with former U.K. prime minister Tony Blair, JPMorgan Chase CEO Jamie Dimon abruptly cut in, pointing a finger and telling Armstrong bluntly, “You are full of s—,” according to reporting from The Wall Street Journal. The outburst underscored some of the raw tensions happening between traditional banks and crypto firms over the future of U.S. financial regulation.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:10 Sponsor: Tangem00:50 Full of crap01:30 Deal this month?02:00 Banks ain't negotiating02:15 Banks put out PR statement02:50 Meeting of the wolves03:10 Paul Grewal goes on Fox Business to combat FUD05:10 Anti-Stablecoin yield Ad05:40 Six figures?06:00 CASE Lobby06:10 Media ties06:30 Yahoo lies07:00 Treasury Department?07:50 Big Banks are worse than fintechs08:30 Epstein FUD09:20 JP Morgan x Epstein?10:00 Banks claim Money market Funds caused 2008 crisis10:30 Lawyers: CLARITY needs to pass asap12:15 Aave incoming12:40 ETH Wins13:00 Outro#Crypto #Ethereum #XRP~Banks Waging WAR on Stablecoin Yields and Coinbase!!