The regulatory burden in fintech creates a barrier to entry, allowing established players to maintain high profits while new entrants struggle to compete.

Every trade-off in fintech is existential; a wrong decision could mean the end of the business.

I believe in focusing on problems that have a 10x positive or negative impact, especially in fintech where growth and compliance are critical.

This debanking phenomenon has been particularly prevalent among crypto and fintech entrepreneurs over the last four years, as they face increasing pressure to protect established banks.

The current lack of clear regulation around stablecoins is problematic. Entrepreneurs need bright-line rules to foster innovation while ensuring consumer protection and preventing failures like FTX.

It's essential to have separate pitches for investors and customers, as they have different motivations and interests.

When you're funded by investors, there's a tendency to optimize for what they want to hear instead of focusing on the actual business needs. Investors are your customers because they provide the money you need to survive, making your users secondary until you reach break-even.

The fintech boom was characterized by rapid growth and innovation, but as interest rates rose in 2022, we faced challenges as investment and lending markets froze, impacting our business.

Working with cryptocurrencies can be complex, and banks may struggle to accommodate companies in this space due to regulatory uncertainties.