Wharton FinTech Podcast Caliza Founder & CEO, Ezra Kebrab - Modernizing Cross-Border Transactions using Stablecoins
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Apr 22, 2025 In this episode, Ezra Kebrab, Founder and CEO of Caliza, shares his journey from Visa to revolutionizing cross-border payments with stablecoins. He discusses how Caliza addresses payment inefficiencies in Brazil and its expansion to Mexico and Asia. Ezra highlights the advantages of stablecoins over traditional systems like SWIFT and their potential for economic opportunities in Latin America. Additionally, he reflects on fundraising efforts and the importance of maintaining personal convictions as a founder while navigating diverse advice.
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Ezra's Early Fintech Inspiration
- Ezra Kebrab's fintech passion began in childhood with his father's lessons about the U.S. Federal Reserve's global financial impact.
- His frustration during college with slow payments also fueled his desire to improve financial services.
Lost Paycheck Sparks Interest
- Ezra's first paycheck was lost on campus, causing him to rely on local credit and friends.
- A $100 transfer from his brother took seven days, revealing normal banking delays that sparked his fintech interest.
Global Real-Time Payments Growth
- Real-time payments are expanding worldwide, with over 80 countries adopting systems unlike the slower U.S.
- Regulatory changes drive fintech innovation, shaping infrastructure and product opportunities globally.