Podcasts about spei

John Delaney is CEO and co-founder of Crown. Crown recently raised a $13.5 million Series A round led by Paradigm and is the issuer of BRLV - Brazil's newest and stablecoin with over 360 million BRL subscribed. He joins host Aaron Stanley to discuss Crown's unique approach to capturing institutional flows in Brazil's high-yield environment - namely by letting BRLV holders earn native yield generated from the underlying reserves.The conversation explores BRLV's groundbreaking bankruptcy-remote reserve structure with perfected legal guarantees, making it the first stablecoin globally to implement such comprehensive security protections. Delaney shares insights on Brazil's position as a prime stablecoin market given its massive M2 money supply, crypto-friendly central bank, and positive real interest rates that outpace inflation. He outlines Crown's ambitious 10-year vision to achieve one trillion BRL in circulation, projecting stablecoins will represent high single-digit percentages of Brazil's money supply as financial infrastructure migrates on-chain.You can connect with John on Linkedin------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠⁠⁠⁠⁠⁠avenia.io⁠⁠⁠⁠⁠⁠⁠.------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at ⁠⁠⁠⁠⁠figment.io⁠⁠⁠⁠⁠-------------------------------------------------------------------

VERDAD O MITO: El banco bloqueará todas tus transferencias  El año podría comenzar con tus transacciones bancarias bloqueadas, así que en este episodio, te decimos qué es VERDAD y qué es un MITO sobre: A partir del 1 de enero se activará un mecanismo que permite a los bancos bloquear operaciones digitales. Todas las operaciones están en riesgo de ser bloqueadas.   Este cambio se pudo hacer desde inicios del año pasado. La resolución que modifica la forma en la que operan las instituciones de crédito se estableció para robustecer la supervisión de la banca múltiple. Cada persona define el límite de sus transferencias. Aplicaciones como transferencias, pagos de servicios, cargos en tarjetas, SPEI o CoDi quedan sujetas a este esquema. La obligación de establecer el límite aplica para personas físicas en cualquier tipo de cuenta. Esta medida aplica para todas las instituciones financieras. El procedimiento que debes realizar es diferente en cada una de las aplicaciones bancarias.   Lee más sobre este tema en Expansión.

Thiago Barbosa, partner at Salles Nogueira Advogados, joins host Aaron Stanley to break down the complex and rapidly evolving landscape of crypto asset taxation and regulation in Brazil. The discussion centers on the latest major developments from the Central Bank, which is introducing stricter requirements for Virtual Asset Service Providers, and the new Receita Federal reporting mechanism called "Decripto". Barbosa explains how these changes create an increasingly tight compliance net, particularly for retail investors who've historically operated in gray areas. He emphasizes that the IRS is investing heavily in surveillance technology to identify discrepancies between reported income and actual lifestyle spending, warning that the window for undeclared crypto wealth is rapidly closing as Brazil integrates into the global tax reporting infrastructure.You can connect with Thiago on Linkedin and Instagram------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠⁠⁠⁠⁠avenia.io⁠⁠⁠⁠⁠⁠.------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at ⁠⁠⁠⁠figment.io⁠⁠⁠⁠-------------------------------------------------------------------

In this episode, host Aaron Stanley speaks with Justin Norman, founder of The Flip, a content creator and filmmaker who documents technology adoption in emerging markets. Justin shares insights from his recent Latin American research trip exploring stablecoin adoption, which resulted in a YouTube documentary series examining markets like Argentina and Bolivia. The conversation delves into the disconnect between Argentina's impressive stablecoin transaction volumes and the lack of visible retail adoption, revealing that stablecoins primarily serve as store-of-value tools and facilitate cross-border trade rather than everyday spending. Justin emphasizes the importance of understanding the macro conditions driving adoption, including dollar shortages, parallel exchange markets, and currency devaluation, rather than focusing solely on technology hype. He also draws compelling parallels between Latin American and African markets, noting how similar economic pressures create comparable crypto adoption patterns, while highlighting Latin America's superior payment infrastructure that enables more seamless on-ramps and off-ramps for stablecoin users.You can connect with Justin on LinkedinBe sure to check out Justin's incredible YouTube documentary on stablecoins in Argentina here------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠⁠⁠⁠avenia.io⁠⁠⁠⁠⁠.------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at ⁠⁠⁠figment.io⁠⁠⁠-------------------------------------------------------------------

Thomaz Teixeira, CEO of BRL1, and Ben Reid, Head of Stablecoins at Bitso, join host Aaron Stanley to discuss the BRL1 stablecoin project.BRL1 is a one-to-one Brazilian real-pegged token developed by a unique consortium of major crypto exchanges including Mercado Bitcoin, Bitso, Foxbit, and Cainvest. We explore how competitors joined forces to build shared infrastructure that reduces friction for market makers and liquidity providers moving value across global exchanges. Teixeira and Reid highlight BRL1's impressive early traction, with the token already ranking as the sixth or seventh highest-volume asset on Brazilian exchanges despite launching just months ago. We examine how the consortium model creates network effects that drive adoption, the growing interest from institutional market makers positioning for local currency stablecoins, and how BRL1 addresses interoperability challenges similar to those the now-shuttered Drex project aimed to solve.You can connect with Thomaz and Ben on Linkedin------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠⁠⁠avenia.io⁠⁠⁠⁠.------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at ⁠⁠figment.io⁠⁠-------------------------------------------------------------------

After three years of waiting, Brazil's central bank has finally released comprehensive VASP regulations. In this episode, Carlos Eduardo Russo (Bluegreen) and Cesar Carvalho (Baptista Luz Advogados) join host Aaron Stanley to break down the regulatory framework that will reshape Brazil's digital asset industry. We discuss the phased authorization process, capital requirements ranging from R$11-37 million, how stablecoins are now integrated into Brazil's FX market, and whether these rules truly level the playing field between local and international exchanges. Both guests have been deeply involved with AB Token's government affairs work and provide insider perspectives on what comes next for the industry.You can connect with Carlos and Cesar on Linkedin------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠⁠avenia.io⁠⁠⁠.------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at ⁠figment.io⁠-------------------------------------------------------------------

Paulo David is CEO of AmFi. He joins host Aaron Stanley to discuss how his platform is revolutionizing access to Brazilian private credit markets through asset tokenization. As a third-time entrepreneur who previously built and sold two major fintechs including Grafeno, Paulo brings deep expertise in Brazil's capital markets infrastructure. The conversation explores how Brazil's position as having the world's second-highest interest rates creates a unique opportunity to export this yield to global investors through blockchain technology. Paulo explains how AmFi is addressing critical market inefficiencies including lack of transparency, limited accessibility, and absence of secondary markets that have historically prevented foreign capital from entering Brazilian private credit. He also discusses the platform's expansion strategy targeting Southeast Asia and the Middle East, and how democratizing access to these high-yield instruments can ultimately reduce borrowing costs and improve credit access for Brazilian businesses.------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠avenia.io⁠⁠.------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at figment.io-------------------------------------------------------------------

Capturan a “El H2”, hijo de Héctor Beltrán Leyva, en operativo México y la ONU firman nuevo marco de cooperación 2026–2031Se requieren donadores de sangre de cualquier tipo para Jorge Abad Ortiz ArellanoMás información en nuestro podcast

Thamilla Talarico is Head of On-Chain Finance Growth for Brasil at Polygon Labs.She joins host Aaron Stanley live at the Stablecoin Conference in Mexico City, hosted by Bitso Business. Thamilla discusses Polygon's strategic pivot to focus on RWAs and payments, and shares her firsthand perspective working on the Brazilian Central Bank's Drex project on behalf of Ernst & Young. We dive into what the Bank's decision to abandon blockchain for this project means for the Brazilian market moving ahead. You can connect with Thamilla on Linkedin------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠⁠avenia.io⁠⁠⁠.------------------------------------------------------------------Brazil Crypto Report is presented by P2P.MeP2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain. Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees. You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay. Visit ⁠⁠⁠br.p2p.me⁠⁠⁠ to get started and earn $50 per operation limit.------------------------------------------------------------------

Windows 10: última llamadaWindows 10 termina soporte el 14 de octubre: opciones, ESU gratis, riesgos y ejemplos reales en Latinoamérica y España  Por Félix Riaño @LocutorCo  Microsoft va a cerrar el ciclo de Windows 10 el 14 de octubre de 2025. Hoy vamos a explicar qué significa “fin de soporte”, cómo proteger tus datos, qué hacer si tu PC no puede con Windows 11 y cómo activar, sin pagar, un año extra de parches de seguridad. Además, voy a contarte con ejemplos claros qué pasará con tus bancos, tus apps de trabajo y hasta con trámites en línea si sigues usando Windows 10 después de esa fecha, tanto en México, Colombia y otros países de Latinoamérica como en España.  El reloj corre para Windows 10. El 14 de octubre de 2025 termina el soporte de seguridad. Microsoft va a enviar ese día el último parche oficial. Después, tu computador ya no va a estar protegido contra nuevas amenazas. Son más de 600 millones de personas en el mundo en esta situación. En Latinoamérica, donde mucha gente conserva los equipos durante más años, el impacto es fuerte: millones de computadores no pasan la prueba de Windows 11. Y en España, trámites como la Renta online o el acceso a la Seguridad Social dependen de sistemas seguros. ¿Qué pasa con la banca, con la universidad, con el comercio electrónico y con las plataformas de estudio si tu PC queda sin soporte? Hoy lo vamos a resolver con ejemplos de la vida real.  ¿Y si tu banco o tu trámite digital te bloquea por seguir en Windows 10?  Cuando Microsoft habla de “fin de soporte” no es solo un concepto técnico. Significa que cada nuevo fallo descubierto en Windows 10 queda abierto, y eso golpea directamente la vida diaria. En Colombia, bancos como Bancolombia, Davivienda o Nequi revisan la seguridad del sistema antes de abrir sesión; y en México, Banamex y BBVA usan verificaciones similares. Plataformas de pagos como PSE en Colombia o SPEI en México ya han bloqueado sistemas viejos como Windows 7 y podrían repetirlo con Windows 10. En España, la situación es parecida: CaixaBankNow, Banco Santander o BBVA España pueden rechazar navegadores en equipos sin parches para evitar fraudes. Lo mismo ocurre con la Agencia Tributaria, que exige certificados seguros para la declaración de la Renta, y con la Seguridad Social, que pide compatibilidad con el sistema Cl@ve. Incluso universidades como la Complutense o la Autónoma dependen de plataformas como Moodle o Aula Global que requieren sistemas actualizados.  El conflicto aparece cuando tu PC funciona bien, pero no cumple con los requisitos de Windows 11, como TPM 2.0 o procesadores recientes. En Perú y Ecuador aún se usan portátiles de hace ocho o diez años, útiles para tareas básicas, pero que quedan bloqueados para la actualización. En México, eso significa que podrías no entrar a la página del SAT para tus impuestos. En Colombia, la DIAN ya exige navegadores modernos para facturación electrónica, lo que puede fallar en un sistema obsoleto. En España, los autónomos y pymes que usan Facturae para facturación electrónica o certificados digitales con la AEAT corren el mismo riesgo. Además, el comercio electrónico se ve afectado: pasarelas como Redsys ya requieren cifrados TLS modernos. Y como los ciberdelincuentes saben que Windows 10 va a quedar sin parches, será un blanco fácil para ransomware, fraudes y robo de datos en cualquier país.  Ahora, ¿cómo protegerse? Si tu PC soporta Windows 11, la respuesta es simple: actualiza gratis y quedas cubierto. Si no, está el programa Extended Security Updates (ESU). Para usuarios en casa existen dos formas gratuitas: activar Windows Backup con OneDrive o usar mil puntos de Microsoft Rewards. Así recibes un año extra de parches, hasta el 13 de octubre de 2026. Si prefieres, puedes pagar 30 dólares por ese mismo año. En paralelo, bancos y servicios recomiendan apoyarse en aplicaciones móviles seguras. En Colombia y México, apps como Nequi, Bancolombia o Banamex garantizan acceso seguro a cuentas. En España, Santander, CaixaBank o BBVA ofrecen apps con autenticación en dos pasos que reducen riesgos. Otra salida es Windows 365 en la nube, que te permite alquilar un PC virtual con Windows 11 y abrirlo desde tu equipo viejo. Y, para los más técnicos, existen proyectos como Flyoobe que instalan Windows 11 en hardware no compatible, aunque con riesgos.  150 palabras o másLas fechas son claras: el 14 de octubre de 2025 termina el soporte de Windows 10 Home, Pro, Enterprise, Education e IoT Enterprise. También acaba para LTSB 2015. Ese mismo día comienza la presión: bancos, portales y servicios online van a empezar a rechazar equipos inseguros. En Colombia, la plataforma PSE ya dio precedentes cuando bloqueó navegadores antiguos. En México, SPEI y el portal del SAT hacen lo mismo. En España, la Agencia Tributaria, la Seguridad Social y pasarelas como Redsys podrían marcar errores de conexión si el PC no cumple los requisitos de seguridad. Incluso universidades dependen de Moodle o Aula Global, que requieren navegadores modernos. El comercio electrónico, desde Zara hasta El Corte Inglés, se apoya en Redsys para pagos, y si tu navegador no cumple con TLS actualizado, simplemente no podrás pagar. El ecosistema digital en Latinoamérica y en España empuja a dejar atrás Windows 10 aunque siga encendiendo.  )Si estás en España, México, Colombia, Perú o cualquier país de la región, revisa ya tu PC. Si puede con Windows 11, actualízalo. Si no, activa ESU gratis con Windows Backup y gana un año más de protección. Así no pierdes acceso a bancos, universidades ni trámites. Más detalles en Flash Diario.  Windows 10 termina el 14 de octubre. Activa ESU gratis o actualiza, o bancos, trámites y apps pueden bloquearte.  BibliografíaForbes – Microsoft Windows Deadline—30 Days To Update Or Stop Using Your PCBleepingComputer – Microsoft reminds of Windows 10 support ending in 30 daysCNET – Microsoft Offers Windows 10 Extended Security Updates for FreeWindows Insider Blog – Releasing Windows 10 Build 19045.6388¿Quieres que prepare una sección aparte con historias narradas (ejemplo: “María en Madrid intenta entrar a CaixaBank y recibe un aviso… Jorge en Bogotá queda bloqueado en PSE…”) para darle aún más color cotidiano al guion?Conviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.

This episode was recorded onsite at the Stablecoin Conference 2025 in Mexico City hosted by Bitso Business. The panel discussion explores how stablecoins have evolved from crypto trading tools to essential infrastructure for global commerce.- Monica Ramirez (Anchorage Digital)- Nick Philpott (Zodiac Markets) - Peter Wexler (Visa)- Aaron Stanley (Brazil Crypto Report) ------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠⁠avenia.io⁠⁠.------------------------------------------------------------------Brazil Crypto Report is presented by P2P.MeP2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain. Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees. You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay. Visit ⁠⁠br.p2p.me⁠⁠ to get started and earn $50 per operation limit.------------------------------------------------------------------

Matheus Moura is CEO and co-founder of Avenia, a stablecoin-powered financial infrastructure platform that aims to reshape money movement across the Americas. We discuss the thesis that every company will eventually become a financial services company - and how Avenia is building the infrastructure to enable this with their "one API" approach.You can connect with Matheus on Linkedin------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at ⁠avenia.io⁠.------------------------------------------------------------------Brazil Crypto Report is presented by P2P.MeP2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain. Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees. You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay. Visit ⁠br.p2p.me⁠ to get started and earn $50 per operation limit.------------------------------------------------------------------

In this episode of the Canary Cast, Florian Hagenbuch, Co-Founder and General partner at Canary, sits down with Jose Gedeon, co-founder and CEO of Cobre, a Colombian fintech building the real-time B2B payments and cross-border infrastructure powering finance teams across Latin America. From his early fascination with M-Pesa’s case at the University of Pennsylvania, to failed attempts at building his own mobile money business in Colombia, a stint as a consultant at McKinsey New York, and a role at Oyo in Mexico, José shares how each chapter of his journey shaped the vision for Cobre. What started as white-label wallets for meal vouchers during the pandemic evolved into Colombia’s leading real-time B2B payments platform, now expanding rapidly into Mexico and cross-border flows. During the episode, José reflects on the unique challenges of scaling a fintech in LatAm, the pivotal customer moments that unlocked entirely new business lines, and the ambition of turning Cobre into the default infrastructure for payments across the region. In this episode, we dive into: From White-Label Wallets to Infrastructure: How Cobre pivoted from building digital wallets for meal vouchers into real-time B2B payments and treasury management. Cross-Border Breakthroughs: The customer emergency that sparked Cobre’s cross-border product and how it led to a new revenue line. The Role of Stablecoins: Why stablecoins are becoming increasingly relevant in illiquid or high-cost currency corridors like Colombia, Turkey, and Argentina. Scaling in Mexico: How Cobre reached $100M in monthly volume in only 8 months in Mexico—10x faster than in Colombia. Vision for the Future: Why Jose believes it’s still “day zero” for Cobre and how the company aims to become the de facto B2B payment infrastructure for LatAm. Founder Lessons: Biggest mistakes, wins, and the cultural values that define the Cobre team. Whether you’re a founder, operator, or fintech enthusiast, this episode offers a masterclass in product pivots, client-focused culture, scaling infrastructure in emerging markets, and building with ambition in one of the most dynamic regions in the world. Tune in to hear how Cobre is not only modernizing payments in Colombia and Mexico, but also shaping the future of financial infrastructure across Latin America. Guest: Jose GedeonJose is the co-founder and CEO of Cobre, a fintech modernizing B2B payments and cross-border infrastructure in Latin America. Cobre moves billions annually, already processing ~3% of Colombia’s GDP, and recently raised its Series B led by Oak HC/FT, with participation from Canary and other global investors. Follow Jose on LinkedIn Host: Florian HagenbuchFlorian is the co-founder and General Partner at Canary, a leading early-stage investment firm in Brazil and Latin America. Canary has invested in more than 130 companies since its founding in 2017. Previously, Florian founded Loft, a company that digitized and transformed the home buying experience in Brazil, bringing transparency, liquidity, and credit to millions of Brazilians. Before that, Florian also co-founded Printi, the leading online printing marketplace in Latin America. Follow Florian on LinkedInHighlights:00:55 – 07:30 | Jose's Background & Early Influences07:30 – 08:08 | The Impact of COVID on Colombia's Financial Digitization08:10 – 11:07 | University Years, Early Attempts & Lessons Learned11:16 – 14:47 | Corporate Finance Pain Points Cobre Set Out to Solve & the First Iteration: White-Label Wallets14:55 – 16:11 | Cobre's First Business Model and Learnings on Pricing Power and Revenue Potential16:20 – 18:57 | Pivot to Real-Time B2B Payments and Building Colombia's First and Only Real-Time B2B Payment Infrastructure19:00 – 21:00 | Bre-B, the "PIX" of Colombia21:02 – 26:19 | Expansion into Cross-Border Payments and Different Customer Bases26:20 – 28:54 | Money Corridors in Colombia29:00 – 32:22 | Stablecoins & Tech Stack in Cross-Border Payments33:00 – 36:00 | Expansion to Mexico & Early Learnings 36:00 – 37:00 | Key Numbers, Scale & Vision37:00 – 43:07 | Future Plans and Raising Successful Venture Rounds43:08 – 47:40 | Founder Lessons & Culture47:40 – 52:12 | Conclusion: Recommended Content for ListenersRecommended Content: 1. Elon Musk biography by Walter Isaacson2. The World for Sale by Javier Blas and Jack Farchy3. Read, Write, Own by Chris DixonTranscrição do Episódio em Português: Hoje, estamos movimentando cerca de 3% do PIB da Colômbia dentro da Cobre.É um número muito grande.Mas, ao mesmo tempo, também é pequeno.Copo meio cheio, copo meio vazio.Isso nos dá bastante espaço para crescer. Agora, mudando para o inglês, para facilitar um pouco para você.José, muito obrigado por estar aqui. Agradeço por dedicar seu tempo. Estou muito animado para conversar com você. Como contexto, o José é cofundador e CEO da Cobre, uma fintech colombiana que está se expandindo para o México. Vocês rapidamente se tornaram uma das principais plataformas de pagamentos B2B em tempo real e de gestão de tesouraria corporativa na Colômbia — e, em breve, também no México. Sob sua liderança, muitas coisas empolgantes aconteceram. Vocês já escalam para centenas de empresas nesses dois países. Estão movimentando algo em torno de 18 bilhões em volume anual em folha de pagamento e pagamentos a fornecedores.E, o mais importante, estão se tornando uma camada crítica de infraestrutura para times financeiros modernos na região. Estou muito animado com este episódio, em mergulhar na sua jornada empreendedora, José, como a Cobre está modernizando os pagamentos corporativos, o cenário fintech na América Latina de forma mais ampla e, claro, a visão que você tem para o futuro da companhia. José, obrigado por se juntar a nós. É um prazer enorme ter você aqui hoje. José:Florian, o prazer é meu. A Canary foi a primeira firma de venture capital que acreditou na Cobre — e também o primeiro investimento de vocês fora do Brasil. Na época, nós até dissemos ao Marcos que expandiríamos para o Brasil… ainda não aconteceu.Mas tem sido uma ótima história até aqui, e vocês têm sido apoiadores incríveis. Obrigado. Florian:Sim, lembro bem disso. Inclusive, naquela época vocês tinham outro nome, não era? Acho que era “Pexto”, se não me engano.As coisas mudam, mas estamos felizes que deu certo. José, talvez possamos começar um pouco falando do seu histórico e da sua trajetória pessoal. Pode nos contar sobre sua origem e o que você fazia antes de empreender? José:Claro. Eu nasci e cresci em uma cidade pequena da Colômbia chamada Cartagena. Hoje é turística e bastante conhecida, mas, quando eu crescia lá, era apenas um destino nacional, relativamente pequeno. Eu, inclusive, nasci em Barranquilla porque minha mãe era de lá — que é ainda menor.De Barranquilla vêm muitas coisas conhecidas: Shakira, a Avianca (nossa companhia aérea nacional), e as últimas duas empresas colombianas que abriram capital nos EUA também são de lá.É uma cidade muito empreendedora. Talvez um bom precedente para a Cobre, não é? Venho de uma família de imigrantes libaneses — extremamente trabalhadores e empreendedores. Cresci aprendendo, por osmose, o que significava ser um empresario. Homens e mulheres da minha família sempre fundaram e até hoje administram empresas. Era um ambiente muito natural para acabar trilhando o caminho que trilhei. Depois tive o privilégio de estudar na Universidade da Pensilvânia. Meu primo Felipe — hoje cofundador da Cobre — estudava lá um ano antes de mim. Eu nunca achei que conseguiria entrar, mas consegui, e fui para a Penn cursar a graduação. No meu primeiro ano, li um business case sobre a M-Pesa, considerada precursora do dinheiro móvel — e, por consequência, de boa parte do que chamamos hoje de fintech: Zelle, Venmo, Paytm, GCash…A ideia original surgiu da M-Pesa, um serviço criado pela Vodafone que permitia às pessoas enviar dinheiro via SMS. Hoje, algo como 20% do PIB do Quênia transita pela M-Pesa. É completamente ubíquo. Inspirado nisso, tentei várias vezes criar algo parecido na Colômbia durante meus verões na Penn, mas obviamente falhei — afinal, eu não era uma empresa de telecomunicações. Ainda assim, essa experiência me mostrou como uma infraestrutura de pagamentos em tempo real poderia transformar a vida de milhões de pessoas e empresas. Ao me formar, voltei para a Colômbia para tentar de novo. E falhei mais uma vez. Foi aí que percebi: “o problema sou eu, preciso aprender a construir empresas de verdade”. Então fui trabalhar na McKinsey em Nova York. Passei um ano e meio lá e tive como cliente uma das maiores gestoras de venture capital do mundo. Eu era apenas analista júnior na equipe, mas aprendi muito sobre como os VCs pensam. Isso me levou a largar o emprego em Nova York e me mudar para a Cidade do México, para trabalhar na Oyo Rooms, um dos grandes unicórnios da Índia. A ideia era aprender mais sobre startups de hiperescala do que eu aprenderia ficando na consultoria. Fiquei um ano e meio na Oyo — até a pandemia começar. Com a COVID, percebi: “este é o momento certo para digitalizar pagamentos na Colômbia”. As empresas estavam forçadas a mudar. E foi quando decidi voltar a Bogotá, em junho de 2020, para tentar mais uma vez. E agora, cá estamos. Florian:Muito interessante. Não sabia de todas essas tentativas que não deram certo antes.Aliás, eu também estudei na Penn, me formei em 2010. Você foi alguns anos depois, certo? José:Sim, me formei em 2018. E naquela época, o ambiente ainda era mais voltado para carreiras tradicionais. A maioria queria ir para consultoria, bancos de investimento ou fundos. Eu era um dos poucos insistindo em empreender já na graduação. Participei até de competições de startups do MBA, porque não havia para undergrad. (continua na mesma estrutura — alternando Florian / José, até o final da conversa que você compartilhou).

Guilherme Bettanin is the Brazil country manager for Base, the Coinbase-incubated Ethereum Layer 2 network that has become the largest such protocol by transaction volume and total volume locked. He joins host Aaron Stanley to discuss adoption on Base, use cases such as AI, DeFi and creator economy, and Base's expansion and community building efforts in Brazil and Latin America.You can connect with Guilherme on X/TwitterJoin the Base Brasil Discord channel and give a follow on X/Twitter to follow this exciting ecosystem------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------Brazil Crypto Report is presented by P2P.MeP2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain. Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees. You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay. Visit br.p2p.me to get started and earn $50 per operation limit.------------------------------------------------------------------

Brazil's Central Bank shocked the market by removing blockchain from its signature Drex CBDC project and pivoting to a simpler vision. After driving Brazil's blockchain adoption for years, is this a rug pull or an opportunity for private sector leadership?Host Aaron Stanley is joined by Gustavo Cunha (Fintrender CEO, former banking executive) and Marcos Sarres (GoLedger CEO, Hyperledger specialist) to unpack this pivotal moment. We explore why Ethereum's privacy challenges, extended development timelines, and multi-bank coordination proved too complex, plus the broader factors including US stablecoin trends and Central Bank leadership changes.Despite the apparent setback, DREX transformed Brazil's financial landscape - major banks now have 20-30 person blockchain teams and multiple tokenization projects are launching. The key question: who will fill the leadership vacuum and drive Brazil's tokenized future forward?------------------------------------------------------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------------------------------------------------------------------------Brazil Crypto Report is presented by P2P.MeP2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain. Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees. You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay. Visit br.p2p.me to get started and earn $50 per operation limit.------------------------------------------------------------------

Usuarios reportan fallas en bancos y SPEI Nu se consolida como el tercer mayor proveedor de tarjetas de crédito en MéxicoNicaragua: detienen a más de 20 opositores entre periodistas y activistasMás información en nuestro podcast

David Lawant and Josh Barkhordar are Head of Research and Head of Sales, respectively, at FalconX - one of crypto's largest institutional prime brokerages. We discuss the company's recent entrance into Brazil, principally via new partnerships with BTG Pactual and Mercado Bitcoin. We also talk about crypto market dynamics including the rise of digital asset treasury companies, pro-crypto regulatory changes under the Trump Administration and the significance of a new US rule permitting 401k retirement fund access to cryptoBrazil Crypto Report is a media partner for Bitso Business's Stablecoin Conference to be held August 27-28 in Mexico City. ----------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.-----------------------------------------------P2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain.Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees.You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay.Visit ⁠⁠br.p2p.me ⁠⁠to get started and earn $50 per operation limit.------------------------------------------------------------------

Alisia Painter is co-founder and COO at Botanix Labs, builder of the Botanix blockchain that serves as a Layer 2 on bitcoin. Botanix brings EVM compatibility and smart contract programmability to bitcoin, opening the door for new types of financial products and services on bitcoin. We discuss how Alisia's experiences working in Brazil introduced her to bitcoin and, more importantly, convinced her that bitcoin needs to function as more than just digital gold if it's going to fulfill its potential. You can connect with Alisia on Linkedin----------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.-----------------------------------------------P2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain.Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees.You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay.Visit ⁠br.p2p.me ⁠to get started and earn $50 per operation limit.------------------------------------------------------------------

Daren Guo is the co-founder of Reap, a Hong Kong-based stablecoin and payments infrastructure provider focused on emerging markets.We discuss how Daren's experience as an early Stripe employee helped him identify the pain points in the cross-border payments landscape, and how Latin America is now Reap's fastest-growing market. ----------------------Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.-----------------------------------------------P2P.me is the fastest way to buy and sell crypto in Brazil using Pix: direct, secure, and fully onchain.Backed by Multicoin and Coinbase Ventures, P2P.me offers a compliant on and off ramp with, ZK-KYC, and no hidden fees.You can easily use P2P.me to pay PIX QR codes in Brazil using your USDc balance. Topup, scan and pay.Visit br.p2p.me to get started and earn $50 per operation limit.------------------------------------------------------------------

Tony Volpon is a former banking executive and deputy governor of the Central Bank of Brazil deputy governor turned crypto entrepreneur. He joins host Aaron Stanley to discuss his red pill moment and how he went down the bitcoin rabbit hole, the role of bitcoin in Brazil from a macro perspective and also his efforts to tokenize Brazil's real estate market through his company CF Inovação - which is building the Index platform____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------

Josh Solesbury is an investor at ParaFi Capital who has extensively researched the pain points of the SWIFT correspondent banking system and the potential of stablecoin technology to revolutionize global payments. He joins host Aaron Stanley to discuss why cross-border payments cost 4-6% and take days to settle, how Latin America's unique market conditions make it the perfect testing ground, and why the convergence of regulation, technology, and liquidity is finally enabling enterprise-scale adoption. ____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------

Thiago Rudiger, CEO of Tanssi Foundation, joins host Aaron Stanley to discuss the Tanssi network's unique approach to appchain infrastructure and and deploymentKey Takeaways:- Infrastructure innovation: Tanssi addresses critical blockchain deployment barriers by reducing chain launch time from months to minutes while eliminating prohibitive upfront costs through a pay-as-you-go model- Proven market traction: The platform has achieved significant validation with $400M+ TVL and top-tier ranking on Symbiotic protocol, demonstrating strong institutional confidence pre-token launch- Strategic market positioning: Tanssi's localized approach in Brazil leverages regional relationships and regulatory expertise to capture opportunities in Latin America's emerging Web3 infrastructure marketYou can connect with Thiago on Linkedin____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------

Caio Barbosa is CEO and co-founder of Lumx, which is building B2B stablecoin payments infrastructure for Latin America. He joins host Aaron Stanley to discuss the company's journey from NFT infrastructure to RWA tokenization to stablecoins, and how the B2B stablecoin space is generating real value for businesses in 2025. ____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------

Podcast del programa Imagen Empresarial transmitido originalmente el 24 de junio del 2025. Conduce Rodrigo Pacheco. Los entrevistados de hoy: Entrevista: Felipe Vallejo, director general de Bitso en México Tema: Bitso Bussines y funciones SPEI

For today's episode Aaron talks to crypto tax lawyer Daniel de Paiva Gomes about the sweeping changes proposed by Brazil's Ministry of Finance earlier this month. We explored the changes to the IOF financial transactions tax and the relevant implications, as well as the provisional measure released by the Ministry of Finance seeks to overhaul tax treatment of crypto assets in the country.You can connect with Daniel on Linkedin____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io.------------------------------------------------------------------

Lucas Nuzzi is a Brazilian-born blockchain analytics expert and data scientist. In November 2022, his on-chain analytical sleuthing gave the world, for the first time, a complete picture of the fraud that had been occurring between FTX and Alameda Research - entities that were both controlled by Sam Bankman-Fried.Lucas and host Aaron Stanley go behind the scenes of his groundbreaking research that revealed $4 billion in commingled funds between FTX and Alameda, providing the first public evidence of systematic fraud. From receiving hundreds of desperate messages from FTX users to working with prosecutors, Lucas shares the personal toll of being on the front lines during crypto's darkest hour. We explore how traditional due diligence failed, why proof of reserves could prevent future collapses, and the lessons learned from SBF's spectacular fall You can follow Lucas on X/Twitter____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io------------------------------------------------------------------For editorial and sponsorship inquiries: aaron@activomedia.ai#brazil #web3 #crypto #blockchain #bitcoin #ethereum #fintech #latam #defi #onchain #regulation #cryptonews #stablecoins #tokenization

Sebastian Serrano is the CEO of Ripio, which is one of Latin America's largest crypto platforms with 20 million plus users. We discuss the region's crypto evolution over his 12 years in the market.We dive into the growth of stablecoin usage across Latin America, with 80% of Ripio's volume coming from these assets.We also discuss new developments in Argentina, such as a tokenization sandbox and growing crypto trading volumesYou can connect with Sebastian on X/TwitterChapter Breakdown:00:00 - Introduction & Ripio Overview03:15 - The Stablecoin Revolution in Latin America08:30 - Mercado Libre Partnership & MeliDollar Launch12:45 - Non-USD Stablecoins & Market Access Use Cases18:20 - Real World Assets & Tokenization Opportunities23:10 - Argentina's Crypto Ecosystem & Regulatory Landscape28:45 - VASP Registration vs. Full Licensing Requirements32:20 - Regional Market Expansion (Brazil, Mexico, Colombia)36:15 - Milei Administration Impact & Economic Reforms41:30 - Libra Meme Coin Controversy & Political Implications45:00 - DevConnect Buenos Aires & Ethereum Development Hub48:45 - Market Outlook & Q4 Predictions52:30 - Ripio's Growth to 20M Users & Future Vision____________________________________________________________Brazil Crypto Report is presented by AveniaIf you're building a wallet, a crypto consumer app, or a global payment platform, Avenia is your bridge to Latin America. Instantly connect to PIX, SPEI, and CBU using stablecoins — with one API. No banks. No FX desks. No SWIFT. Move money globally, with full compliance and real-time settlement. Learn more at avenia.io------------------------------------------------------------------For editorial and sponsorship inquiries: aaron@activomedia.ai#brazil #web3 #crypto #blockchain #bitcoin #ethereum #fintech #latam #defi #onchain #regulation #cryptonews #stablecoins #tokenization

The following article of the Finance & Fintech industry is: “Cash, SPEI, Credit Cards: What Do Mexicans Actually Want?” by Federica Gregorini, General Manager Mexico, Belvo.

Cuando tienes un Crédito Infonavit, el pago de tu financiamiento se realiza vía nómina; pero, si trabajas de forma independiente o te quedaste sin empleo, tú mismo debes hacer el pago de tu crédito a través de algún banco o establecimiento autorizado. Esto implica que tengas que desplazarte, exponerte en la calle con el dinero de tu mensualidad y, en algunas ocasiones, hacer largas filas para realizar el depósito. Sin embargo, existe una forma mucho más fácil de hacer este pago. Escucha este episodio y descúbrelo. 

Avec Maria-José Mansilla, le Père Jesus et Rémi https://speimater.com/fr info@speimater.com Tél. (France): 07 64 35 85 20

Cette semaine sur Du bruit à mes oreilles, Alex reçoit la formation Nova Spei en entrevue!Dans cet épisode, nous avons parlé du début de la formation, de l'écriture en français, de la recherche de membre et plein d'autres sujets qu'on vous laisse découvrir!Bonne écoute!Liens :dubruitamesoreilles.com

Fr. Johannes (Verbum Spei)

Cuando tienes un Crédito Infonavit y dejas de trabajar para una empresa, tu mensualidad ya no se descuenta automáticamente de tu salario y te toca hacer este pago por tu cuenta. Esto puede implicar salir de casa, hacer largas filas en bancos o puntos de pago y exponerte con el dinero en la calle.Sin embargo, existe una forma de cumplir con este pago sin salir de tu casa, de manera rápida y segura. Escucha este episodio y conoce paso a paso como hacerlo. 

The following article of the finance & fintech industry is: “SPEI: Two Decades of Digital Payment Innovation in Mexico” by Jaime Márquez, Partner and Executive Director of Business Development in Systems and Payment Transfers of STP

Roberto Aguilar

En México, pendientes 19 iniciativas para regular la AI | Sam Altman regresa como CEO de OpenAI cuatro días después de su despido | Banxico publica nuevas medidas para robustecer la seguridad de SPEI y SPID | Broadcom cierra adquisición de VMware | Así lo dijo el director de AWS México Rubén Mugártegui | Todavía en las nubes las telecom en Acapulco | El Ayuntamiento de Sayula, Jalisco es una de las historias innovadoras | Rubén Rosete, coordinador de Informática y Digitalización de noticieros de TelevisaUnivisión, nos da el IT Masters Insight

Tonight at 8:30 pm CST, on the Flyover Conservatives show we are tackling the most important things going on RIGHT NOW from a Conservative Christian perspective! TO WATCH ALL FLYOVER CONSERVATIVES SHOWS -https://flyover.live/media/series/qhfzzzr/the-flyover-conservatives-showTO WATCH ALL FLYOVER CONTENT: www.theflyoverapp.comTo Schedule A Time To Talk To Dr. Dr. Kirk Elliott Go To ▶ https://flyovergold.com Or Call 720-605-3900 Eddie SpeirWEBSITE: www.eddiespeirforcongress.comTWITTER: https://twitter.com/EddieSpeir Tina PetersWBESITE: www.tinapeters.usWatch [S]election Code for FREE: www.selectioncode.comSPONSORS FOR TODAY'S VIDEO► ReAwaken America- text the word EVENTS to 40509(Message and data rates may apply. Terms/privacy: 40509-info.com)► Kirk Elliott PHD - http://FlyoverGold.com ► My Pillow - https://MyPillow.com/Flyover► Z-Stack - https://flyoverhealth.com ► Dr. Jason Dean (BraveTV) - https://parakiller.com ► Patriot Mobile - www.patriotmobile.com/flyoverWant to help spread the Wake Up • Speak Up • Show Up -https://shop.flyoverconservatives.com/-------------------------------------------Follow our Social Media so we can be best friends

Im Juni startet das Unternehmen SpaceX „Transporter 8“: Die Falcon-Rakete wird wieder eine große Anzahl an Klein- und Nanosatelliten in die Erdumlaufbahn tragen – darunter einen des Vatikans.Lorenzen, Dirkwww.deutschlandfunk.de, SternzeitDirekter Link zur Audiodatei

Seguramente cuando has enfermado has escuchado "más sabe el diablo por viejo que por diablo", te preguntaras porque, bueno esta expresión tan común hace referencia a que la experiencia brinda más conocimiento y sabiduría que la inteligencia misma de una persona. Y es que la sabiduría y la experiencia son de inmenso valor cuando hablamos de salud, porque adquirir información y momentos vividos a lo largo del tiempo permite equivocarnos menos o sacar el mayor provecho de las situaciones, o salir mejor librados. ¿Entonces deberías hacer caso a los mayores? ¿Son nuestros abuelos y las personas que nos antecedieron una buena fuente de experiencia cuando hablamos de salud? Seguramente en casi todos los casos, la respuesta es sí. Te explico por qué... __________________________________________________________________________________________________________________________________ Sara Huerta González es Profesor Tiempo Completo, Investigador SNI Nivel 1 del Sistema Nacional de Investigadores del Consejo Nacional de Ciencia y Tecnología (CONACYT), Miembro del Padrón Veracruzano de Investigadores, Integrante del Núcleo Académico Básico (NAB) del Cuerpo Académico UVCA 397, “Bienestar, salud y cuidado” con nivel “en consolidación”, es Doctora en Ciencias de la Enfermería por la Universidad Nacional de Trujillo (Perú), Maestra en Ciencias de la Enfermería por la Universidad de Guanajuato (México), Especialista en Enfermería Materno Infantil por la ENEO-UNAM (México), cuenta con Especialización en Psicología Comunitaria por el Instituto de Investigaciones Psicológicos de la UV (México), es Perfil Deseable del Programa para el Desarrollo Docente Superior en México, Nivel VI en el Programa de Estímulos al Desempeño del personal Académico PEDPA, Profesor invitada en los Programas de Maestría y Doctorado de Enfermería de la ENEO-UNAM. Miembro Fundador de la Red Mexicana de Enfermería en México, Miembro del comité Editorial de la Revista Científica de la Sociedad Española de Enfermería Neurológica Editorial Elsevier indexada en SCOPUS, miembro del Comité local de Investigación en Salud del Instituto Mexicano del Seguro Social No. 3005, Tutor del Programa de Maestría y Doctorado en Enfermería Incorporado al PNPC CONACYT en la Escuela Nacional de Enfermería y Obstetricia ENEO UNAM y del Programa de Maestría en Enfermería de la Universidad Veracruzana, es editor de un libro, ha escrito capítulos de libros arbitrados en editoriales de prestigio con reconocimiento en el SPEI, artículos científicos en Inglés, español y portugués en revistas Indizadas en SCOPUS, y de alto impacto, ha participado como Arbitro en revistas de alto impacto en México, España, China, Cuba, Suiza y Colombia, ha realizado estancias académicas en el extranjero en España, Cuba y Perú.

Eduardo della Maggiora Instagram @edellamaggiora es un emprendedor chileno CEO de Betterfly, la plataforma de insurtech y beneficios para empleados que está conquistando América Latina. Por favor ayúdame y califica Cracks Podcast con 5 estrellas aquí."El esfuerzo es mucho mas importante que el resultado." - Eduardo della MaggioraEste episodio es presentado por Clara, la plataforma de gastos corporativos que te regala su tarjeta más exclusiva haciendo click aquí y por BEEK, la aplicación de audiolibros que te regala 14 días y 40% de descuento en tus primeros 3 meses aquí.Antes de Betterfly, cofundó Tyndall Group y Preserve in Community, y es el ex director ejecutivo de los Juegos Panamericanos de Santiago 2023. Ha sido dos veces subcampeón mundial en su categoría en el Campeonato Mundial Ironman 70.3 y tres veces finalista del Campeonato Mundial Ironman en Hawai.Eduardo es emprendedor Endeavor y ha sido nombrado uno de los “100 líderes menores de 35 años” de Chile en 2014, “Emprendedor del Año 2019”, en 2021 fue reconocido entre los 500 latinoamericanos más influyentes por Bloomberg y en 2022 fue premiado como Emprendedor del Año por Ernst & Young.Hoy Eduardo y yo hablamos de vivir con propósito, de abandonar tus logros para encontrarte a ti mismo y de las lecciones aprendidas conviviendo con la muerte. Qué puedes aprender hoyAprendizajes de la muerte de un padreEl modelo de negocios de un unicornio socialCrecer en tiempos de crisisVentajas y desventajas de vender a B2B*Este episodio es presentado por Clara.Los productos de Clara incluyen tarjetas de crédito empresariales, un sistema de gestión de gasto, además de una plataforma de pagos y transferencias SPEI.He estado usando Clara en una de mis empresas y me sorprende la facilidad que me ha dado para administrar los gastos de mi equipo con tarjetas físicas y digitales. Y para toda la gente que escucha Cracks, Clara te regala el primer año de la anualidad de su tarjeta más exclusiva, la Clara World Elite con un valor de 5,000 pesos, es de metal negro y está muy cool al crear tu cuenta en clara.com/cracks.*Este episodio es presentado por BEEKCon BEEK ya no hay pretextos para no leer. Tienen más de 250,000 títulos, incluyendo el mío y puedes escuchar resúmenes de "best-sellers" en menos de 15 minutos o escuchar el libro completo para nunca dejar de aprender.BEEK te regala 14 días de prueba más tus 3 primeros meses por solo $149 pesos al mes cuando te suscribes al contenido ilimitado de BEEK en cracks.la/beek.*Youtube: https://www.youtube.com/crackspodcastNotas del episodio en:https://cracks.la/184Regístrate para recibir el newsletter Viernes de Cracks cracks.la/viernes.Conferencias y cursos: osotrava.comEscucha su libro: en BEEK220718 ad Tiendanube Clara pre 220718 ad Tiendanube Clara post

Maureen Terán @maureenteran es conferencista, tallerista, escritora y fundadora de Es Tiempo De Hablar A.C. una organización civil que tiene como objetivo eliminar el estigma, tejer redes de apoyo y fomentar la difusión de la salud mental.Por favor ayúdame y califica Cracks Podcast con 5 estrellas aquí."Cuándo tu empiezas a trabajar en ti y tú entorno no lo hace, automáticamente tu te empiezas a separar." - Maureen TeranEste episodio es presentado por Clara, la plataforma de gastos corporativos que te regala su tarjeta más exclusiva haciendo click aquí y por TiendaNube, la plataforma de e-commerce líder de Latinoamérica. Obtén 25% de descuento en tu primer pago haciendo clic aquí.Nació en Mexicali, Baja California, se graduó del ITAM y hace más de 10 años fue diagnosticada con Trastorno Bipolar.  A través de su libro "Soy un bipolar real" invita a las personas a darse cuenta de que está bien pedir ayuda y que pueden disfrutar de una vida normal, con constancia y responsabilidad.Hoy Maureen y yo hablamos de salud mental, de trastorno bipolar, de suicidio y de cómo la vulnerabilidad y empatía pueden salvarnos.Qué puedes aprender hoySíntomas, control y experiencias del Trastorno Bipolar 1Prácticas para cuidar la salud mentalCómo identificar y prevenir el suicidio *Este episodio es presentado por Clara.Los productos de Clara incluyen tarjetas de crédito empresariales, un sistema de gestión de gasto, además de una plataforma de pagos y transferencias SPEI.He estado usando Clara en una de mis empresas y me sorprende la facilidad que me ha dado para administrar los gastos de mi equipo con tarjetas físicas y digitales. Y para toda la gente que escucha Cracks, Clara te regala el primer año de la anualidad de su tarjeta más exclusiva, la Clara World Elite con un valor de 5,000 pesos, es de metal negro y está muy cool al crear tu cuenta en clara.com/cracks.*Este episodio es presentado por TiendaNube, la plataforma de E-commerce líder de Latinoamérica, con más de 100k tiendas creadas. Pagando TAN SOLO $99 MXN al mes Tiendanube pone en tus manos la tecnología de manera fácil y accesible para que puedas crear y gestionar tu tienda en línea en menos de 5 pasos.No cobran comisiones, te permite aceptar múltiples métodos de pago y el soporte y si quieres empezar a vender más por internet, por ser escucha de Cracks, Tiendanube te regala 30 días gratis y 25% de descuento en tu primer pago (ya sea en plan mensual o anual) dando click en el link cracks.la/tiendanube.*Youtubehttps://www.youtube.com/crackspodcastNotas del episodio en:https://cracks.la/179Regístrate para recibir el newsletter Viernes de Cracks cracks.la/viernes.Conferencias y cursos: osotrava.comCompra su libro: 220620 Ad Clara TiendaNube Pre 220620 Ad Clara TiendaNube post

Sebastian Gómez  @tiangomezc es cofundador de Reservamos, la plataforma de comercio digital para la industria de autobuses. Antes de fundar Reservamos, Sebastián trabajó como Consultor de Estrategia en Nueva York y como miembro del equipo inicial de Linio México. Por favor ayúdame y califica Cracks Podcast con 5 estrellas aquí."Debemos ser competitivos, pero nunca perder la humildad." - Sebastián GómezEste episodio es presentado por KueskiPay, método de pago que está revolucionando el comercio electrónico en América Latina y que puedes conocer aquí y por Clara, la plataforma de gastos corporativos que te regala su tarjeta más exclusiva haciendo click aquí.Hoy Sebastian y yo hablamos de las similitudes entre las carreras de ultra-distancia y el emprendimiento, de qué hacer cuando una industria intenta destruirte y  sobre cómo es la experiencia de vender tu empresa a un comprador estratégico.Qué puedes aprender hoyPormenores de la venta a un comprador estratégicoCómo reaccionar cuando parece que el mundo se va a acabarLa mentalidad de un emprendedor todo terreno*Este episodio es presentado por  KueskiPayKueski Pay es el método de pago que está revolucionando el comercio electrónico en América Latina. Con su modelo de Buy Now Pay Later o Compra ahora y paga después un cliente puede comprar en línea sin necesidad de tener una tarjeta de crédito o una cuenta bancaria además de pagar su compra en quincenas sin intereses simplemente seleccionando Kueski Pay como método de pago en los comercios afiliados.Parece magia pero es real y más de 2,300 comercios físicos y digitales, desde aerolíneas hasta jugueterías. ya están experimentando crecimientos increíbles gracias a Kueski Pay.Si quieres crecer las ventas de tu negocio y mejorar la experiencia de tus clientes puedes encontrar más información en kueskipay.com*Este episodio es presentado por Clara.Los productos de Clara incluyen tarjetas de crédito empresariales, un sistema de gestión de gasto, además de una plataforma de pagos y transferencias SPEI.He estado usando Clara en una de mis empresas y me sorprende la facilidad que me ha dado para administrar los gastos de mi equipo con tarjetas físicas y digitales. Y para toda la gente que escucha Cracks, Clara te regala el primer año de la anualidad de su tarjeta más exclusiva, la Clara World Elite con un valor de 5,000 pesos, es de metal negro y está muy cool al crear tu cuenta en clara.com/cracks.*Youtubehttps://www.youtube.com/crackspodcastNotas del episodio en:https://cracks.la/174Regístrate para recibir el newsletter Viernes de Cracks cracks.la/viernes.Conferencias y cursos: osotrava.comCompra su libro: www.hazloqueimporta.com220516 ad Kueski Clara pre 220516 ad Kueski Clara post

Pablo Sánchez IG y Twitter @pablosanser es Director general de un Family Office y es Co-fundador y director del fondo de inversión GOAT Capital. También, Pablo es un ángel inversionista muy activo en la industria de infoproductos y ha invertido en empresas como Niños de Ahora, Cracks Education, Mis Propias Finanzas, Fórmula de Lanzamiento entre otras. Por favor ayúdame y califica Cracks Podcast con 5 estrellas aquí."Todo en tu vida lo puedes platicar y si lo platicas lo puedes trabajar. Y todo lo que puedes trabajar lo puedes mejorar." - Pablo SánchezEste episodio es presentado  por Clara, la plataforma de gastos corporativos que te regala su tarjeta más exclusiva haciendo click aquí y por DUMO los mejores nootrópicos para tener más enfoque, dormir mejor y hacer más.Hoy Pablo y yo hablamos del dolor como motivación, el juego del dinero, vivir como indigente y de la importancia de pausar para recobrar perspectiva.Qué puedes aprender hoyCómo ganar el juego del dineroCómo planear Micro SabáticosCómo alcanzar la libertad financiera Usar el dolor como motivaciónQué son los infoproductos*Este episodio es presentado por Clara.Los productos de Clara incluyen tarjetas de crédito empresariales, un sistema de gestión de gasto, además de una plataforma de pagos y transferencias SPEI.He estado usando Clara en una de mis empresas y me sorprende la facilidad que me ha dado para administrar los gastos de mi equipo con tarjetas físicas y digitales. Y para toda la gente que escucha Cracks, Clara te regala el primer año de la anualidad de su tarjeta más exclusiva, la Clara World Elite con un valor de 5,000 pesos, es de metal negro y está muy cool al crear tu cuenta en clara.com/cracks.*Este episodio es presentado por DUMO. Si me conoces, sabes que soy incansable en mi búsqueda de la "Optimización Personal Absoluta" y en esa búsqueda descubrí los Nootrópicos... suplementos 100% naturales que mejoran tu memoria, función cognitiva y habilidad de conseguir un sueño profundo y reparador.Los nootrópicos FOCUS BOOST y DELTA NIGHT de la marca DUMO, tienen formulas 100% naturales, veganas y sin GMO diseñadas para ayudarte a HACER MAS y darte esa ventaja competitiva que buscas y lo mejor, sin generar dependencia.Si quieres mejorar tu desempeño prueba Focus Boost y Delta Night en www.dumolabs.com.*https://www.youtube.com/crackspodcastNotas del episodio en:https://cracks.la/170Regístrate para recibir el newsletter Viernes de Cracks cracks.la/viernes.Conferencias y cursos: osotrava.comCompra su libro: www.220414 ad clara DUMO pre 220414 ad clara DUMO post

Otro rollo la vida del padre Didier y lo que está haciendo la comunidad religiosa casi recién fundada Verbum Spei. (Disculpa la calidad de la grabada, estábamos en medio del convento y había muchos ruidos.) Síguenos en https://www.facebook.com/platicandoencatolico y en https://www.instagram.com/platicandoencatolico/ o escríbenos a platicandoencatolico@gmail.com para quejas, sugerencias de invitados, comentarios, porras, peticiones etc etc... Podcast parte de https://www.juandiegonetwork.com/podcasts (Juan Diego Network) ¡Dios te bendiga! No nos olvides eh, ¡Porfa ora por nosotros!

Marco Beteta  @marcobeteta es un empresario experto en restaurantes y crítico gastronómico. Es fundador de marcobeteta.com y autor de la guía de restaurantes más importante de México, habiendo visitado más de 10,000 restaurantes alrededor del mundo.Por favor ayúdame y califica Cracks Podcast con 5 estrellas aquí."Lo más importante es conocerte, para que por medio de conocerte a ti mismo puedas creer en tu estrella y alcanzar tus sueños." - Marco BetetaEste episodio es presentado por BEEK, la aplicación de audiolibros que te regala 14 días y 40% de descuento en tus primeros 3 meses aquí y  por Clara, la plataforma de gastos corporativos que te regala su tarjeta más exclusiva haciendo click aquí.Además Marco tiene décadas de experiencia en los negocios de bienes raíces y publicidad. Si eres restaurantero el episodio de hoy te va a ser de gran ayuda.Hoy Marco y yo hablamos de la vida y profesión de un crítico gastronómico, de construir una reputación, de trabajar en familia y de cómo mantenerte presente para disfrutar de la vida.Qué puedes aprender hoyCómo trabajar con tus hijosCómo impresionar a un crítico gastronómicoConvertir tu hobby en negocioLa oportunidad de hacer las cosas bien*Este episodio es presentado por BEEKCon BEEK ya no hay pretextos para no leer. Tienen más de 250,000 títulos, incluyendo el mío y puedes escuchar resúmenes de "best-sellers" en menos de 15 minutos o escuchar el libro completo para nunca dejar de aprender.BEEK te regala 14 días de prueba más tus 3 primeros meses por solo $149 pesos al mes cuando te suscribes al contenido ilimitado de BEEK en cracks.la/beek.*Este episodio es presentado por Clara.Los productos de Clara incluyen tarjetas de crédito empresariales, un sistema de gestión de gasto, además de una plataforma de pagos y transferencias SPEI.He estado usando Clara en una de mis empresas y me sorprende la facilidad que me ha dado para administrar los gastos de mi equipo con tarjetas físicas y digitales. Y para toda la gente que escucha Cracks, Clara te regala el primer año de la anualidad de su tarjeta más exclusiva, la Clara World Elite con un valor de 5,000 pesos, es de metal negro y está muy cool al crear tu cuenta en clara.com/cracks.*https://www.youtube.com/crackspodcastNotas del episodio en:https://cracks.la/168Regístrate para recibir el newsletter Viernes de Cracks cracks.la/viernes.Conferencias y cursos: osotrava.comCompra su libro: www.hazloqueimporta.com220404 ad beek clara pre 220404 ad beek clara post

This is a seriously big deal.Discussing mental health and the stigma surrounding it is quite important, don't you think? How can we overcome? How can we deal? What is it like from the musician's perspective? What have we seen around us? Why are there so many suicides? Why are so many people quitting on life? Light overcomes darkness. Knowledge overcomes ignorance. Let's talk about this and let's make sure we do it again, okay?Featuring the following talents and influencers, with our grateful thanks:Vidi / Davidavi Dolev / Subterranean MasqueradeDany Soucy / Nova SpeiJR Bareis / Love and Death / Korn Jon Sinfield / MemoristOliver Welzen-James / SunfallNathan Biddles / InRetrospectChris Hathcock / The ReticentJon Asher / Asher MediaSubscribe to both shows here: https://bit.ly/3airCvhWanna be on the show? Go here: https://calendly.com/rockstarsuperheroThe Rockstar Superhero Podcast examines the personal lives and creative careers of your favorite classic rock artists. We are obsessed with understanding the inner workings of the music business and all that it takes to remain in the public eye for as long as possible. Join us as we pursue conversations with legends and legends in the making.The Rockstar Superhero Radicals podcast was created to connect you directly to people, professional and private, who have lived lives worth discussing and offer solutions to our listeners, one heart at a time. If you are seeking truth and purpose beyond yourself, the Radicals podcast is for you.Copyright 2022 Rockstar Superhero Podcast - All Rights ReservedBecome a supporter of this podcast: https://www.spreaker.com/podcast/rockstar-superhero--4792050/support.

I spoke to Nic Dumais, the bass player from French Canadian metal band, Nova Spei, and I have to admit I was in awe. As you can imagine, being French Canadian and specifically from Quebec, the French language is what you speak and learning English, let alone speaking it with any level of confidence, is highly frowned upon. Nic overcame his fears and jumped right into our conversation and it lasted longer than the 15 minutes he was psychologically prepared for.If anything, please honor Nic's commitment to this interview and go out and buy the new album, Sequentis, let alone the fact that it's a groovy, crushing, progressive metal masterpiece. Don't let the fact that you might not know the name of the band stop you, either. This happens all over the world, every day, with bands that you can't believe they don't know about. Don't get caught in the echo chamber of your musical culture. There are just too many great bands but I'm pretty sure it's your duty to support this great group of musicians. I do.This is my interview with Nic Dumais, from Nova Spei, on the Rockstar Superhero Podcast.Time Codes:1:50 The honor of hosting a French wonder4:30 The band wants to explore many styles7:00 Symphony X and Pantera's metal baby9:00 Stable drummers12:00 Sequentis14:40 Assez and the drums17:00 Few phrases in French19:40 Wake up and change your life22:20 Generation Perdue and Generation X24:30 We are the last ones27:00 Cultural perspectives rarely change29:45 Removing masks and going to a show32:30 Rammstein is the one35:00 What is a native tongue really?37:00 Virginia Beach and Vancouver and QuebecSubscribe to both shows here: https://bit.ly/3airCvhWanna be on the show? Go here: https://calendly.com/rockstarsuperheroinstituteThe Rockstar Superhero Podcast examines the personal lives and creative careers of your favorite classic rock artists. We are obsessed with understanding the inner workings of the music business and all that it takes to remain in the public eye for as long as possible. Join us as we pursue conversations with legends and legends in the making.The Rockstar Superhero Radicals podcast was created to connect you directly to people, professional and private, who have lived lives worth discussing and offer solutions to our listeners, one heart at a time. If you are seeking truth and purpose beyond yourself, the Radicals podcast is for you.Copyright 2021 Rockstar Superhero Podcast - All Rights ReservedBecome a supporter of this podcast: https://www.spreaker.com/podcast/rockstar-superhero--4792050/support.

Señora Bonita. Amigo Amo de Casa. Ya vio el reloj? Ya es La Una. Entren santos peregrinos, que revienten las bocinas, Subale a su radito porque ya comienza la piñata del comentario con sus colaciones de información y estas son las noticias:   -Estrenando? No! Vil Risitas! Estamos estrenando jefa del SAT… aquí le decimos quién, cómo y por dónde…   -Peleishon to the neishon… Impeachment aprobado pero… ahora qué sigue? Se va? Se queda? Qué pasará? Qué misterio habrá?   -Se investiga transferencia sospechosa hecha por Segob a familiar de García Luna… Ahí sí nunca falla el SPEI   -Y en La Mañanera… AMLI calca y recalca que no se permitirá el influyentismo para nadie cuantimenos para Morena. Vamos a ver dijo José Feliciano.   Completamente en vivo y en directo. Desde este pesebre de la noticia. Grupo Fórmula presenta a sus diablitos de pastorela consentidos. A los burritos sabaneros de la información. A los peces en el río del comentario: La Radio de La República.