The challenge is to create a product that simplifies finance and retirement planning, liberating it from bureaucratic complexities.

For innovative businesses, integrating stablecoins can simplify payment processes and reduce reliance on traditional financial institutions, presenting a significant opportunity.

Stablecoins offer a way to bypass the regulatory lock-in that traditional institutions have, enabling more direct and efficient access to financial services.

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.

Our strategy has always been to build the API for bank account linking, but we also aim to leverage the data we collect to create valuable analytics products that can transform financial services.

Hedging bets by keeping multiple options open can hinder a founder's ability to excel, as it's difficult to be great at several things simultaneously.

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.

The opportunity in simplifying complex processes, like mortgage applications or insurance, is significant and often overlooked.

Great entrepreneurs are not just risk-takers; they are risk-hedgers who focus on mitigating risks effectively as they grow their companies.