Fintech Confidential

The web3, cryptocurrency and blockchain markets moved fast in August 2025 and we’re covering Bitcoin’s rise, Wyoming’s state-backed coin, SoFi joining the Lightning Network, and Circle’s new Layer 1. Host Tedd Huff teams up with Confidential Informant: Robert Musiala to unpack the GENIUS Act, stablecoin rules, bank use of Lightning, market structure, compliance shifts, custody standards, and global licensing moves that shaped August. You get what changed, why it matters now, and how to apply it. You get a clear read on why Bitcoin strength ties to supply behavior, how monthly reserve disclosures affect stablecoin design, and why a bank’s Lightning rollout cuts payment friction. The episode also covers risk programs moving to dynamic monitoring, custody standards that require segregation and clean recovery plans, and how Hong Kong licensing impacts cross-border builds.TAKEAWAYS1️⃣ Document Developer Programming Decisions2️⃣ Monitor Wyoming’s FRNT Ten Billion Threshold3️⃣ Assess EVM Compatibility Standards:4️⃣ Prepare for Supervisory Examinations5️⃣ Leverage Custody Guidance Roadmaps LINKSConfidential Informant:Robert A. Musiala Jr., LinkedIn: https://www.linkedin.com/in/robert-a-musiala-jr-esq-cfcs-b6534bb/Firm Profile: https://www.bakerlaw.com/professionals/robert-a-musiala-jr/The Blockchain Monitor: https://www.theblockchainmonitor.com/BakerHostetler: https://www.bakerlaw.com/Fintech ConfidentialYouTube: https://fintechconfidential.com/watchPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://X.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSDfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. Request demo: https://fintechconfidential.com/dfnsSkyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. Learn more: https://skyflowsecure.comHawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. Sign up for demo: https://gethawkai.comABOUTConfidential Informant: Robert Musiala has worked in the crypto assets market since 2012. He has led major investigations, advised on compliance and product agreements across Web3 and NFTs, and co-leads BakerHostetler’s Web3 and assets team. He also authors The Blockchain Monitor with weekly legal insights.BakerHostetler: A U.S. law firm advising clients from startups to Fortune 500 on blockchain-related matters, policy, compliance, and risk.Host: Tedd Huff is Founder & CEO of Voalyre and DD3 Media and hosts Fintech Confidential, bringing clear, practical conversations on how money moves.DD3 Media: A media creation, management, and production company delivering engaging fintech and Web3 content.CHAPTERS 00:00 Highlights 01:15 Dfns - Wallets as a service (sponsor) 02:36 Intro 03:06 Regulatory Landscape and Institutional Adoption 03:39 Market Context 06:01 Technological Innovations in Blockchain and Finance 09:08 Stablecoins and Their Impact on Financial Systems 12:04 The Future of Banking and Digital Assets 14:52 Challenges and Opportunities in Crypto Regulation 17:51 The Evolution of Financial Institutions in the Crypto Space 29:57 Regulatory Landscape of Digital Assets 30:19 Skyflow - Privacy has an API (sponsor) 36:12 The Genius Act and Its Implications 43:48 Global Perspectives on Stablecoin Regulation 51:55 Innovation vs. Regulation in the EU 57:41 The Future of Digital Assets and Banking 59:16 Conclusion and Final Thoughts 01:00:26 Hawk AI (sponsor) 01:01:12 Disclaimer

Fraud costs are climbing and fintech leaders face pressure to onboard customers faster while keeping trust intact. Host Tedd sits down with Ravi, a fintech veteran and CEO of KYXStart.AI, to break down how identity verification has shifted from a back-office task into a true growth driver.This conversation tackles the reality that fraudsters now use deepfakes, synthetic identities, and AI-built scams while many companies still rely on outdated methods like scanning licenses. Ravi shares how the right approach can reduce onboarding time by 80%, cut fraud rates by 60%, and boost revenue by 20%. The insights go beyond security to show how stronger data, smarter compliance, and customer-focused design actually increase revenue.TAKEAWAYS1️⃣ Rethink Compliance As StrategyUse compliance frameworks as tools to strengthen trust, open new markets, and support onboarding that scales growth.2️⃣ Use Contextual Identity SignalsGo beyond static IDs. Add phone, banking, and social signals to improve accuracy and cut false positives.3️⃣ Design Teams Around CuriosityBuild teams that question, test, and adapt. Curiosity drives better fraud defenses and stronger customer experiences.4️⃣ Adopt Continuous Verification ModelsMove past one-time checks. Continuous verification keeps accounts secure, reduces fraud risks, and maintains trust.5️⃣ Prioritize Deterministic Over PredictiveChoose deterministic checks for clear, real-time answers that deliver faster approvals and stronger compliance.LINKS:Guest: Ravi BijlaniLinkedIn: https://www.linkedin.com/in/ravibijlani/Company Website: https://kyxstart.aiCompany LinkedIn: https://www.linkedin.com/company/kyxstart/X: https://x.com/KYXStart_AiYouTube: https://youtu.be/meoKNa_C67AFintech ConfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERS:Under - Streamlines application and underwriting with digital PDF processing - https://under.io/ftcSkyflow - Zero trust data privacy vault with simple API calls - https://skyflowsecure.com Hawk - AI tools for real-time fraud detection and transaction monitoring - https://gethawkai.comABOUT:Guest: Ravi Bijlani is the Founder & CEO of KYXStart.AI with more than 25 years in fintech. He previously served as GM at Equifax and Prove Identity. Ravi is an investor in SingularKey (acquired by Ping Identity) and holds multiple patents. He earned an MBA from Georgia Tech with Summa Cum Laude honors.KYXStart.AI is a global identity verification platform that offers AI-powered verification, fraud detection, and compliance solutions. It is designed to improve match rates, reduce costs, and streamline onboarding with real-time data across more than 200 countries.Host: Tedd Huff is CEO and Founder of Voalyre, a fintech advisory firm, and the host and executive producer of the FinTech Confidential network. With 25+ years in payments and fintech, Tedd has served as an advisor, co-founder, and executive, driving growth and simplifying global payment systems.DD3 Media is a media creation, management, and production company focused on delivering engaging content globally.CHAPTERS:00:00 Highlights01:38 Under Sponsor02:43 Welcome Ravi04:47 Getting Into FinTech06:29 Identity Verification Today08:54 Evolution of Identity11:05 Friction vs Security18:27 Skyflow Sponsor19:29 Market Dynamics34:17 Light vs Deep Search37:02 Success Story40:41 Leadership Philosophy45:07 Scaling Priorities50:43 Future of Identity57:01 Founder Advice59:34 Episode Wrap01:00:25 Hawk Sponsor

July 2025 marked when America officially positioned itself to become the crypto capital of the world. Tedd Huff and Rob Musiala break down the historic Genius Act, the White House digital assets report, and record $5.3 billion in monthly crypto funding. From Circle and Ripple chasing bank charters to Europe's USDG stablecoin launch, this episode covers how regulatory clarity triggered the biggest infrastructure shift in Web3 history.The regulatory uncertainty that kept institutional capital on the sidelines has vanished. Banking intermediaries face elimination as stablecoin issuers go direct to federal charters. International competitive pressure mounts as European regulators worry about digital dollarization risks. Meanwhile, Bitcoin hit $123,000, Ethereum corporate holdings surged 127%, and Coinbase posted a 6200% increase in average trading volume year over year.Key Takeaways:1️⃣ Genius Act creates first US cryptocurrency law with clear payment stablecoin framework2️⃣ Circle filed for National Digital Currency Bank charter while Ripple pursues Fed master account access3️⃣ Europe launched USDG under MICA regulation to counter US dollar stablecoin dominance4️⃣ Rex Osprey launched first US ETF combining Solana spot exposure with on-chain staking rewards5️⃣ S&P Dow Jones partnered with Centrifuge to tokenize the entire S&P 500 indexLinks:Guest:Robert Musiala LinkedIn: https://www.linkedin.com/in/robert-musiala/Robert Musiala Baker Hostetler: https://www.bakerlaw.com/people/robert-musialaBlockchain Monitor: https://www.blockchainmonitor.com/Company:Baker Hostetler Website: https://www.bakerlaw.com/Web3 & Digital Assets Team: https://www.bakerlaw.com/practices/web3-digital-assetsFintech Confidential:YouTube: https://youtube.com/@fintechconfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupporters:Dfns provides wallets as a service with API-first, multi-chain design secured with MPC technology, powering crypto payments for major financial institutions across 50+ blockchains. Request demo: https://fintechconfidential.com/dfnsSkyFlow delivers zero-trust data privacy vaults as an API, helping you collect, secure and tokenize personal information while maintaining compliance and data usability. Learn more: https://skyflowsecure.comUnder.io streamlines application and underwriting processes by digitizing PDFs effortlessly for upload and digital signature, transforming document workflows. Get started: https://under.io/FTCHawk AI offers real-time payment screening, ML transaction monitoring and dynamic customer risk rating to revolutionize fraud and financial crime prevention. Sign up for demo: https://gethawkai.comAbout:Robert Musiala: Robert Musiala is a Partner and co-leader of Baker Hostetler's Web3 and Digital Assets team, one of the most comprehensive legal practices serving the blockchain and cryptocurrency industry. As lead author of the Blockchain Monitor blog, Robert provides weekly analysis of the latest trends, regulatory developments, and legal implications in the crypto space. His expertise spans digital asset compliance, regulatory strategy, and emerging technology law, making him a trusted advisor to fintech companies, blockchain startups, and traditional financial institutions navigating Web3 integration.Baker Hostetler: Baker Hostetler is a leading U.S. law firm with over 900 attorneys providing comprehensive legal services across multiple practice areas. Their Web3 and Digital Assets team represents one of the largest and most experienced blockchain legal practices in the country, serving clients from early-stage startups to Fortune 500 companies entering the digital asset space.HostTedd Huff: Tedd Huff is the Founder of Voalyre and Diamond D3, professional services consulting firms focused on global payments and marketing. He is also a video podcast host and executive producer on the Fintech Confidential network. Over the past 25+ years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for global companies, focusing on growth while delivering innovation, process improvements, and user experience-driven value to simplify the complexity of payments.DD3 Media: A media creation, management, and production company delivering engaging content globally, specializing in fintech and Web3 storytelling that makes complex topics accessible to business leaders and industry professionals.Chapters:00:00 Highlights04:33 The Genius Act and Its Implications08:02 Market Trends and Institutional Confidence10:05 Record Venture Capital Investments in Crypto12:47 The Rise of ETFs and Staking Opportunities14:38 Tokenization of Real-World Assets18:47 Market Dynamics: Bitcoin and Ethereum Surge24:11 The Impact of Regulatory Clarity on Market Growth27:05 Surprising Developments in Stablecoin Issuance34:27 Future Prospects for the Digital Asset Market37:49 Global Stablecoin Landscape and Regulatory Implications44:35 The Impact of the Genius Act on US Stablecoin Issuers48:35 The Shift in Stablecoin Infrastructure and Banking Access58:16 Competitive Strategies Among Stablecoin Issuers1:06:50 Future Outlook for Stablecoins and Digital Assets

[Guest Name] is the [Title] of the [Company Purpose/offering] company [CompanyName]. [Pronoun] shares [short summary of the episode]. Three essential items that we dive into. 1️⃣ [Item 1] 2️⃣ [Item 2] 3️⃣ [Item 3] Also, watch the entire episode on youtube. [link here]Links:[Company Name]Website: Linkedin: Facebook: Instagram:Twitter: Youtube: Fintech Confidential YouTube: https://fintechconfidential.com/watch Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialTwitter: https://twitter.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidentialSupportersSupport is provided by MPC 2023, the premier event for fintech leaders. This is your chance to shake hands and rub shoulders with the world's top experts in payments, loyalty, blockchain, digital currencies, cybersecurity, consumer privacy, and other emerging fintech solutions connecting you directly with the future of commerce. If you haven't already, mark your calendars for August 23rd through the 25th and join me and Fintech Confidential at the Westin Atlanta Perimeter North. When you sign up for FinTech confidential notifications, you will receive a discount from $50 to 100% off.Or use this link for $50 of registration. https://mpcevent.com/FTC50Time Stamps:[insert timestamps from transcript]This is a Production of Diamond D3, Media ABOUT: [Guest Name]: [Guest Bio][Company Name] : [Company info]Tedd Huff: Tedd Huff is the Co-Founder of Voalyre, and the President & Founder of Diamond D3, a professional services consulting firm focused on global payments and marketing. He is also a video podcast host and producer of Fintech Confidential.Over the past 24 years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for Global Payments OpenEdge, Heartland Payments, Nuvei, and TSYS, among others, focusing on growth while delivering innovation, process improvements and user experience-driven value to simplify the complexity of payments.Diamond D3, Media: A media creation, management, and production company delivering engaging content globally

Bitcoin payments, Lightning Network, and fast crypto payments are here. Learn about cryptocurrency payment processing and blockchain technology with Tedd Huff, CEO of Voalyre, and Voltage CEO Graham Krizek. This conversation cuts through the noise around Bitcoin's practical applications, digital currency, and modern financial solutions.The discussion reveals striking realities about payment processing that most people never consider. While traditional bank transfers take days and wire transfers take hours, Lightning Network transactions settle in under a second with complete finality. Graham shares how regulatory barriers are falling, with banks now able to hold cryptocurrency without special approval, and why businesses should default to Lightning for all Bitcoin transactions.Take Aways1️⃣ Switch to Lightning Payments2️⃣ Leverage New Banking Rules3️⃣ Avoid Infrastructure Building4️⃣ Target Global Markets5️⃣ Prepare for ConsolidationGet more @ Fintech Confidential.comSupportersDFNS delivers secure wallets as a service API-first, multi-chain by design across 50+ blockchains - https://fintechconfidential.com/dnfsSkyFlow provides zero trust data privacy vault API for collecting, securing, and tokenizing payment details - https://skyflowsecure.comUnder.io streamlines application and underwriting by digitizing PDFs for upload and digital signature - https://under.io/FTCHawk offers AI tools for real-time payment screening, ML transaction monitoring, and fraud prevention - https://gethawkai.comLinks:Graham KrizekLinkedIn: https://www.linkedin.com/in/grahamkrizekTwitter/X: https://x.com/gkrizekNostr: graham@vlt.geVoltageWebsite: https://voltage.cloudLinkedIn: https://www.linkedin.com/company/voltagecloud/X: https://x.com/voltage_cloudFacebook: https://www.facebook.com/voltagecloudYouTube: https://www.youtube.com/@voltage_cloudNostr: Voltage@vlt.geFintech ConfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialAbout:Graham Krizek is the Founder and CEO of Voltage. With 10+ years in cryptocurrency, he contributed to Bitcoin Core and worked at Salesforce. He builds Lightning Network infrastructure to help businesses scale global payments with low-cost, fast settlements.Voltage provides Bitcoin infrastructure enabling global payments via Lightning Network. It offers enterprise modular tools for exchanges, wallets, fintechs, and banks to cut costs, speed settlements, and simplify Bitcoin and stablecoin integration. Voltage powers fast, final low-fee transactions, bridging traditional finance and blockchain tech.Tedd Huff founded Voalyre, a professional services and advisory firm focused on global payments and banking. He hosts and produces Fintech Confidential. With 25+ years in fintech, he's advised, co-founded, and led startups like OpenEdge, Heartland, Nuvei, and TSYS, focusing on growth, process improvements, and user experience to simplify payments.DD3, Media: DD3 Media is a media creation, management, and production company delivering engaging content globallyChapters: 00:00 Highlights01:02 DFNS: Wallets as a Service (sponsor)02:23 Intro to Web3 with FTC03:06 Meet Graham Krizek: Founder and CEO of Voltage05:05 Bitcoin's Evolution to Mainstream07:04 Graham's Transition from Salesforce to Bitcoin08:36 Bridging the Digital Divide with Bitcoin11:30 Voltage: From Side Project to Real Company13:10 Sky Flow Privacy Vault (sponsor)14:09 Thunder Games16:12 The Lightning Network: Speed & Efficiency24:39 Real-Time Payments: Current State25:10 Public Lightning Network Insights26:48 Regulatory Landscape Shifts28:13 Crypto Integration in Traditional Finance30:45 Importance of Lightning Network Providers31:30 Setting Up Nodes Efficiently32:05 Under.io : Streamlining App Processes (sponsor) 32:38 Challenges in Node Setup33:47 Stable Coins on the Rise w/ Lightning Network37:28 AI & Payments39:45 TradFi Meets Crypto43:09 Real World & Digital Assets Converge44:39 Voltage's Role in the Crypto Ecosystem45:55 Encouraging Businesses to Adopt Lightning46:17 Case Studies and Success Stories46:59 Closing Thoughts and Future Outlook47:34 Hawk : AI Fraud Fighting (sponsor)48:20 Disclaimer

GETMORE HEREDiscover how Victor “DIVINE” Lombard went from street hustler to fintech CEO, with guidance from Ben Horowitz, and a mission to transform how finance serves overlooked communities.Fintech entrepreneur Victor “DIVINE” Lombard shares his journey from street hustler to CEO, revealing how mentorship, compliance, and purpose-driven startups can transform access to financial tools with Tedd Huff Voalyre CEO on Fintech Confidential. They to expose the blind spots in today’s financial system and why creators are locked out before they even get started.With firsthand experience on both sides of the table, Victor reveals how he’s building purpose-driven fintech to empower independent artists with access to financial services, real mentorship, and education. This isn’t theory—it’s a blueprint, shaped by hard-earned lessons and grounded in reality.Together, they unpack: • Why traditional banking metrics fail creators • How compliance, when mastered, can build trust—not block progress • What it takes to design sustainable financial ecosystems from the ground up • Why mentorship often matters more than a credit scoreWhether you’re a startup founder, creative entrepreneur, or fintech builder—this conversation delivers rare, real insight.Takeaways1️⃣ Build Systems Before You Scale – Early structure avoids chaos later2️⃣ Use Compliance To Build Credibility – Master regulation before you need it3️⃣ Train Your Team Like Operators – Start onboarding with education4️⃣ Pitch Value, Not Your Backstory – Focus on what you’re solving5️⃣ Design Products For Real Use – Reflect real workflows, not trendsLinksVictor Lombard (aka DIVINE)Instagram: www.instagram.com/divine4thletterNotesWebsite: www.notestechnology.comLinkedIn: www.linkedin.com/company/notestechnologyFacebook: www.facebook.com/notestechnologyincYouTube: www.youtube.com/@notestechnologyInstagram: www.instagram.com/notestechnologyFintech ConfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupportersUnder.io – Streamline your underwriting and application process by digitizing PDFs and enabling secure, fast digital signatures. https://under.io/ftcDfns – Launch wallets across 50+ blockchains with API-first, MPC-secured tools trusted by top fintechs and custodians. https://fintechconfidential.com/dnfsSkyflow – Secure, tokenize, and analyze personal data with a zero-trust privacy vault delivered via API. https://skyflowsecure.comHawk:AI – Detect fraud in real time with ML transaction monitoring and advanced risk scoring. https://getHawkai.comAboutVictor Lombard (aka DIVINE): Fintech founder and hip hop artist empowering urban music creators with capital access and financial education.Notes: Fintech platform helping artists build sustainable wealth through education, mentorship, and smarter financial tools.Tedd Huff: Founder of Voalyre and executive producer of Fintech Confidential, helping fintechs scale with strategy and clear messaging.DD3 Media: Production company powering high-impact media content globally.Chapters00:00 Highlights01:02 Under.io (Sponsor)01:46 The Intersection of Hip Hop and Banking04:29 Falling into Fintech06:05 The Importance of Financial Literacy07:47 Creating Financial Platforms for Artists09:01 The Role of Empathy in Financial Systems09:55 Streets to Startups12:29 The Power of Networking and Mentorship13:24 Dfns (sponsor)14:46 Challenges in Building FinTech Startups17:28 Addressing Bias in Financial Systems22:14 Leveraging Technology for Financial Empowerment26:09 The Importance of Knowledge and Awareness27:07 Pursuing Knowledge and Experience27:37 Challenges of Independent Artists28:27 Technology’s Role in Success29:36 Building FinTech with a Criminal Record30:08 Overcoming Barriers with Partnerships30:35 Navigating Startup Challenges32:45 Importance of Relationships in FinTech34:18 High Compliance and Risk Management35:56 Growth Challenges in FinTech36:49 SkyFlow: (Sponsor)38:41 Managing Multiple Financial Institutions39:22 Complexity in FinTech Backend40:01 Problem-Solving in FinTech41:28 Learning and Adapting in FinTech42:17 Regulatory Environment and Compliance42:50 Cannabis and Cryptocurrency Banking Issues43:36 Thinking Big but Starting Small44:51 Building Relationships for Success45:31 Soft Skills and Communication46:09 Blind Spots in FinTech Startups47:37 Future of Financial Technology49:37 Advice for FinTech Founders50:04 Final Thoughts50:37 FinTech Isn’t Just About Tech and Finance51:08 Creators Deserve Better Tools52:01 Hawk:AI (Sponsor)52:49 Disclaimer

Details Here: https://fintechconfidential-newsletter.beehiiv.com/p/web3-june-2025-recapHost Tedd Huff the CEO of Voalyre teams up with confidential informant, Robert Musiala , partner at Baker Hostetler’s Web3 team and author of the Blockchain Monitor blog, to break down June 2025’s seismic shifts in cryptocurrency markets and blockchain technology. This episode covers Circle’s spectacular $1.1 billion IPO success, the Senate’s bipartisan GENIUS Act passage, and nearly $6 billion flowing into crypto ETFs.The conversation explores how regulatory clarity is accelerating institutional adoption while $2.1 billion in security losses highlights ongoing challenges. Robert shares legal insights on Ethereum’s Pectra upgrade, ZKSync’s technical breakthroughs, and how global coordination through EU MiCA, Singapore policies, and Hong Kong frameworks creates unprecedented opportunities for compliant builders positioning for mainstream Web3 adoption.Takeaways1️⃣ Track 98.7% scam rate: avoid pump.fun marketplace tokens since research shows nearly every token exhibits pump and dump characteristics.2️⃣ Leverage ultra high net worth security: implement specialized protection strategies beyond standard measures, including estate planning for crypto assets.3️⃣ Deploy Ethereum staking now: take advantage of validator limit increase from 32 ETH to 2,048 ETH per validator for profitable institutional models.4️⃣ Monitor NFT legal precedents: watch court-approved NFT service processes in your jurisdiction for recovering stolen funds and serving papers.5️⃣ Build surgical compliance framework: prepare for targeted regulatory actions rather than broad enforcement sweeps with flexible systems.LinksGuestRobert Musiala• LinkedIn: https://www.linkedin.com/in/robert-musiala/• Baker Hostetler: https://www.bakerlaw.com/people/robert-musiala• Blockchain Monitor: https://www.blockchainmonitor.com/CompanyBaker Hostetler• Website: https://www.bakerlaw.com/• Web3 & Digital Assets Team: https://www.bakerlaw.com/practices/web3-digital-assets• Legal Resources: https://www.bakerlaw.com/insightsFintech Confidential• Youtube: https://youtube.com/@fintechconfidential• Podcast: https://fintechconfidential.com/listen• Newsletter: https://fintechconfidential.com/access• LinkedIn: https://www.linkedin.com/company/fintechconfidential• X: https://x.com/FTconfidential• Instagram: https://www.instagram.com/fintechconfidential• Facebook: https://www.facebook.com/fintechconfidentialSupportersDfns - Wallets as a service that's API first, multi-chain by design and secured within MPC with no single point of failure for launching across over 50 blockchains - fintechconfidential.com/dnfsSkyFlow - Zero trust data privacy vault delivered as an API that lets you collect, secure, and tokenize personal information like card data and payment details - skyflowsecure.comUnder.io - Streamlines application and underwriting process by digitizing PDFs effortlessly for upload and digital signature - under.io/FTCHawk - AI tools for real-time payment screening, ML transaction monitoring, and dynamic customer risk rating to fight fraud and financial crime - gethawkai.com

Tedd Huff, Founder of Voalyre and Host of Fintech Confidential Leaders One on One Series, teams up with Israel Mazin, CEO and Co-Founder of Memcyco, to break down what really matters for protecting sensitive data and customer trust in finance. This episode uncovers how real-time security, AI-powered defense, and practical compliance can set you apart in a fast-changing world. Learn how to take immediate action against cyber threats, show proof of safety to your users, and build long-term growth through real trust. Get clear steps to boost your security and keep your business ahead with real solutions for fintech, banking, and online businesses.The Rest of the StoryTakeaways: 1️⃣ Question Every Access Point Review all customer-facing sites and login pages right now. Remove anything not used and confirm all security checks are active.2️⃣ Set Up Instant Threat Alerts Get notified the moment something suspicious happens. Don’t wait for a report—flag real risks in real time.3️⃣ Test AI Defenses Against Real Threats Run real-world attack scenarios with your team and tune your AI filters to block the latest tactics.4️⃣ Make Trust Part of Onboarding Show new customers exactly how their info is protected. Give them clear proof your security works.5️⃣ Document Compliance For Every Update Keep a simple log of every regulatory step and system change. This saves time at audit and keeps you covered.LinksIsrael Mazin: LinkedIn: https://www.linkedin.com/in/israelmazin/ Memcyco Team Profile: https://www.memcyco.com/team/israel-mazin/Memcyco:Website: https://www.memcyco.com/ LinkedIn: https://www.linkedin.com/company/memcyco/Fintech Confidential:YouTube: https://youtube.com/@fintechconfidential Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidentialSupportersUnder.io – Digitize underwriting and signatures for faster, secure workflows. https://under.io/ftc Skyflow – Zero-trust data vault to secure, tokenize, and govern data with ease. https://skyflowsecure.com CheckAlt Clearingworks – Automate receivables and treasury management for banks and businesses. https://checkalt.com Hawk:AI – Real-time fraud prevention with smarter compliance tools. https://getHawkai.comAbout:Israel Mazin is CEO and Co-Founder of Memcyco, recognized for building, scaling, and exiting cybersecurity companies with a focus on teamwork, execution, and directly solving industry challenges. Memcyco delivers real-time detection and protection against website impersonation and account takeovers, helping banks, retailers, and online businesses secure customer interactions and stay compliant.Tedd Huff is Founder of Voalyre, a professional services and advisory firm focused on global payments and banking. With over 25 years in fintech, payments, and financial services, Tedd has launched and led startups and advised enterprise firms on digital strategy, user experience, and innovation. As host and executive producer of Fintech Confidential, he delivers direct conversations that highlight practical leadership and new ideas shaping fintech.Fintech Confidential features trusted insights, actionable strategies, and interviews with leaders shaping the future of finance.DD3 Media produces engaging digital content, powering global shows and media brands like Fintech Confidential.Chapters: 00:11 – Episode Highlights 01:20 – Sponsor: Under.io 02:03 – Guest Introduction 03:43 – Cybersecurity Career Insights 04:50 – Industry Shifts & Threat Landscape 05:30 – Real-Time Protection 06:03 – Regulation and Compliance 07:08 – Leadership Lessons 08:42 – Building Strong Teams 09:37 – AI in Security 10:33 – Mission and Vision at Memcyco 12:18 – The Case for Real-Time Detection 13:33 – Sponsor: Skyflow 17:00 – Customer Trust 20:27 – Consortiums & Collaboration 21:53 – Advanced Threat Detection 26:49 – Reducing False Positives 28:36 – AI and Compliance 30:02 – Sponsor: CheckAlt 36:22 – Quantum Computing 37:37 – Proactive vs. Reactive 38:18 – Advice for Founders 39:16 – Closing Thoughts 40:05 – Sponsor: Hawk AI 40:50 – Disclaimer

Get MoreHost Tedd Huff & Robert Musiala, co-leader of Baker Hostetler’s Web3 Digital Assets team, break down May 2025’s crypto developments.May 2025 just changed a lot for crypto and Web3. Bitcoin hit $111,970, total crypto assets reached $136 billion, & ETF inflows topped $3.3 billion in a 1 month. The SEC clarified that proof-of-stake mining isn't a security, while the DOJ dropped charges against Ethereum hackers, signaling a major shift in regulatory approach.Ethereum's Petra upgrade increased validator staking limits from 32 to 2,048 ETH, opening doors for massive institutional operations. Yield-bearing stablecoins crossed $9 billion, proving they're no longer experimental tokens. Courts in the US, UK, and EU approved using NFTs for legal service of process, creating new accountability in crypto disputes.The dark side persists: $244 million was stolen in hacks, with $157 million recovered. A Solana report found 98.7% of tokens on pump.fun showed pump-and-dump characteristics. Physical security threats against crypto executives are escalating globally.Institutional investors now represent 50% of trading volume. Circle launched real-time payment APIs, Ripple acquired Hidden Road for $1.25 billion. The convergence of regulatory clarity, institutional adoption, and technical improvements is creating perfect conditions for mainstream crypto adoption.Takeaways1️⃣ Track Validator Staking Changes2️⃣ Research Before Token Investments3️⃣ Explore Programmable Wallet Features4️⃣ Consider Legal NFT Applications5️⃣ Prepare for Staking ComplianceLinks:Guest:Robert A. Musiala Jr. LinkedIn: https://www.linkedin.com/in/robert-a-musiala-jr-esq-cfcs-b6534bb/Company:BakerHostetler: https://www.bakerlaw.com/The Blockchain Monitor: https://www.theblockchainmonitor.com/Fintech Confidential:Podcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupporters:DFNS - Offering Wallets as a Service with military-grade security and enterprise-grade scalability - https://fintechconfidential.com/dfnsSkyflow - Helping FinTechs build secure experiences without managing customer data directly - https://skyflowsecure.comUnder – Streamlines application and underwriting by digitizing PDF processes for fast digital signatures https://under.io/ftcHawk AI - Providing real-time fraud prevention and AML compliance for FinTechs - https://getHawkai.comAbout:Guest: Robert Musiala has been working in the blockchain and digital assets market since 2012 and has led multiple digital asset investigations, including as the court-appointed receiver over cryptocurrency investment funds used in a major fraud. He advises on various regulatory compliance issues involving digital assets and has drafted/negotiated agreements for a wide range of transactions in the fintech, digital assets, Web3, and NFT markets. He is the inventor of two blockchain patents and co-leader of the Web3 and Digital Assets team at BakerHostetler.Host: Tedd Huff is the founder of Voalyre and Diamond D3. He’s spent over 24 years helping fintechs grow by improving payments, user experience, and go-to-market strategies. DD3 Media creates and produces content for Fintech Confidential.

Click here to learn moreIn this episode of Fintech Confidential, host Tedd Huff and guest co-host Jordan Greenberg from LoanPro sit down with Jay King and Aimee Ford of Alorica. Together, they share how banks and fintechs are transforming customer service with scalable operations, AI-powered tools, and real empathy. Jay and Aimee bring decades of hands-on experience helping financial institutions build smarter systems that actually work for people.The conversation cuts through the noise to expose what matters most, personalization, speed, and clarity. Lending has become easier to launch, but real growth depends on aligning with brand culture, meeting customers where they are, and fixing problems before they escalate. This episode explains what that looks like in real life, with real examples from real industry leaders.Takeaways1️⃣ Fix Customer Pain Before It Escalates 2️⃣ Match Agents With Natural Strengths 3️⃣ Skip Scripts, Train for Authenticity 4️⃣ Turn Survey Data Into Scripts 5️⃣ Use Voice Analytics to Boost ROILinksGuest Aimee Ford: https://www.linkedin.com/in/fordaimee/ Jay King: https://www.linkedin.com/in/jay-king-a75b64/Company Alorica: https://www.alorica.com/ Alorica LinkedIn: https://www.linkedin.com/company/alorica/Fintech Confidential YouTube: https://youtube.com/@fintechconfidential Podcast: https://fintechconfidential.com/listen Newsletter: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidentialTikTok: https://www.tiktok.com/@fintechconfidentialSupportersLoanPro – Allows lenders to enhance their origination, servicing, collections, and payments using the foundation of a modern lending core https://loanpro.ioUnder – Streamlines application and underwriting by digitizing PDF processes for fast digital signatures https://under.io/ftcDFNS – Provides API-first, MPC-secured wallets as a service for payments, exchanges, and DeFi platforms https://fintechconfidential.com/dfnsHawk AI – Offers tools for real-time payment screening, transaction monitoring, and dynamic customer risk rating to fight fraud and financial crime https://gethawkai.comAboutAimee Ford is VP of Client Experience at Alorica. She is known for building strong partnerships and creating customer strategies that deliver results. Jay King is Head of Operations at Alorica, focused on efficiency, performance, and strategic growth. Alorica is a global leader in customer experience solutions, serving clients across multiple sectors. Host: Tedd Huff is the founder of Voalyre and Diamond D3. He’s spent over 24 years helping fintechs grow by improving payments, user experience, and go-to-market strategies. DD3 Media creates and produces content for Fintech Confidential. Co-host: Jordan Greenberg leads strategic partnerships at LoanPro, helping banks and fintechs build embedded finance products.