

344: Can Decentralized AI Fix Banking? Crypto, Brain OS, and the Future of Finance with Paolo Ardoino, Tether CEO
Jul 14, 2025
Paolo Ardoino, CEO of Tether and co-founder of Holepunch, dives into the transformative potential of decentralized finance. He discusses how USDT became the go-to digital dollar by addressing banking challenges. Ardoino argues for a math-based governance of money over political influences. He also explores the future of brain-computer interfaces, highlighting the fusion of human and AI as the next frontier. With a hopeful outlook, he debates the long-term safety of AI, suggesting a new era of collaborative intelligence could solve societal issues.
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Early Coding Roots
- Paolo Ardoino started coding at eight, inspired by his father's work at an electricity company.
- He applied his passion from early white-hat hacking to building resilient systems for crypto exchanges and payment systems.
Bitcoin's Mathematical Governance
- Bitcoin is the first money governed purely by math rather than politics or trust.
- This mathematical governance makes Bitcoin highly resilient in worst-case scenarios.
USDT Empowers Emerging Markets
- USDT became the world's largest digital dollar by solving practical challenges in emerging markets.
- Decentralized blockchain payments offer resilience and access where traditional systems like PayPal can falter.