Vinny Lingham: Original crypto technology was just and sound distributed without a lot of drifting in the in-between. "We had a bunch of grifters in who try to centralize it and take advantage of it" He says some are good actors, others aren't; SEC must sort through this mess for now. Lending first came around 2017 with Mastercoin or Factor -- but 25 really took off in 2018.

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