The fundamental challenge in increasing access to the economy is to lower the barriers for legitimate vendors to enter the system.

As we evolved, we expanded our product offerings to include credit verification and bank payment infrastructure, allowing for seamless financial transactions and identity verification.

To ensure trust in high-stakes situations, like online banking, we need to verify identities convincingly, especially as deep fake technology evolves.

We need to lower barriers for companies to work with the Department of Defense, making it easier for them to navigate the procurement process.

We need to build systems that ensure the true singleness of money, which can be achieved through clearing houses, shared collateral, or regulations combined with well-tuned automated market makers.

We aim to provide financial services that are typically available to wealthy individuals to everyone, leveraging technology to level the playing field.

In India, after the introduction of UPI, there has been a surge of new companies and innovations that were previously hindered by bureaucratic red tape.

We shifted our mindset from distrust to trust, verifying the integrity of transactions rather than assuming everyone is bad.

When we started, only about 30-40% of people who applied to accept credit cards were approved; we increased that to 99% by reframing the problem and building credible models.