Y Combinator Startup Podcast Fintech 3.0: Now Is The Best Time To Build In Crypto
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Sep 23, 2025 
Jesse Pollak, founder of Base and a leader in crypto product development, discusses the golden age of building in crypto. He unpacks the evolution to Fintech 3.0, emphasizing regulatory clarity and consumer adoption as pivotal. Pollak highlights how current conditions favor innovation, shedding light on the significance of stablecoins and their global impact. He urges builders to focus on real user needs while explaining the importance of layering technologies. His insights on the intersection of crypto and AI provide a glimpse of the future landscape.
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Golden Age For Crypto Building
- The infrastructure work is done and now entrepreneurs must stitch tools into magical products.
- Jesse says the moment is now to build consumer experiences that grow like wildfire.
Chain Scaling Is The Broadband Moment
- Chain scaling reduced costs from dollars per tx to fractions of a cent, enabling consumer apps.
- Jesse compares improved chains to the broadband moment that unlocked new internet applications.
Build An AMM UI As A Hello World
- Build a simple UI that connects to an AMM to learn how swaps and wallets work.
- That small app teaches wallet integration, permissionless access, and core on-chain UX quickly.