Fintech Confidential

Small businesses are owed over one trillion dollars in unpaid invoices. Host Tedd Huff the CEO of Voalyre a Fintech advisory firm and Founder of Fintech Confidential sits down with Prashant Fuloria, CEO of Fundbox, to discuss how embedded finance transforms working capital access for business owners managing teams of one or two while juggling payroll, invoicing, and growth decisions. Prashant left senior roles at Google, Facebook, and Yahoo to help solve this massive cash flow crisis affecting hundreds of thousands of entrepreneurs. This conversation covers how Fundbox embeds financing directly into platforms like QuickBooks and Stripe, eliminating lengthy applications and delivering instant capital when business owners need it most. Prashant explains why leadership culture drives sustainable growth, how daily team huddles prevent executive isolation, and why transparent partnerships built on trust outperform traditional direct marketing. The episode reveals practical strategies for scaling fintech platforms while serving underserved small businesses with flexible, responsible lending.1️⃣ Use continuous platform integrations that monitor business health in real time and automatically adjust credit offers as revenue grows.2️⃣ Remove lengthy forms by using existing platform data from accounting software or payment processors to complete underwriting instantly.3️⃣ Access immediate capital when trucks break down or equipment fails without waiting for traditional loan approval timelines.4️⃣ Structure financing to align with actual cash flow patterns rather than rigid monthly schedules that ignore seasonal business cycles.5️⃣ Embed financing into industry-specific software platforms to create a one-stop experience where owners never juggle multiple logins.Get more at Fintech Confidential.com GuestPrashant FuloriaLinkedIn: https://www.linkedin.com/in/prashant-fuloria/CompanyFundboxWebsite: https://fundbox.com/LinkedIn: https://www.linkedin.com/company/fundbox/X: https://x.com/FundboxYouTube: https://www.youtube.com/@FundboxcomFintech ConfidentialYoutube: 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/fintechconfidentialSupportersUnder: Streamlines application and underwriting with digital form processing. https://under.io/ftcSkyflow: Zero-trust data privacy vaults as an API to secure and tokenize personal information. https://skyflowsecure.comDfns: Wallets as a service secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfnsHawk AI: Real-time screening and ML monitoring to strengthen fraud and financial-crime prevention. https://gethawkai.comAboutPrashant Fuloria is CEO of Fundbox, a product and technology leader with 25+ years of experience building platforms at Google, Facebook, and Yahoo. At Fundbox he has supported more than 500,000 SMBs and unlocked over $5 billion in working capital.Fundbox is an embedded working capital platform built for SMBs using accounting, payments, and vertical SaaS tools. By integrating with QuickBooks, FreshBooks, and other platforms, Fundbox provides fast, flexible credit using AI-powered underwriting and real-time data.Tedd Huff is Founder of Voalyre, a fintech advisory firm, and host of Fintech Confidential. Over 25+ years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer at Global Payments, Heartland, Nuvei, and TSYS.Chapters00:00 Highlights00:17 Challenges Faced by Small Businesses00:31 Customer Segmentation Struggles01:35 Under - Sponsor02:05 Welcome to Leaders One-on-One02:32 Prashant's Background05:54 Connection to Fundbox Mission06:33 Technology Levels Playing Field07:55 Misunderstandings About SMBs09:13 Trillion Dollar Opportunity11:06 Leadership and Culture14:29 Skyflow - Sponsor17:55 Daily Leadership Huddles18:53 Creating Psychological Safety19:25 Intellectual Curiosity21:03 Customer Segmentation22:13 Ideal Fundbox Customer23:34 Common Capital Use Cases25:41 Unique Capital Uses27:47 Embedding Financing Solutions28:04 Cash Efficient Acquisition30:48 Great Partners32:10 Customer Data Decisions34:41 Direct vs Partnership37:45 Dfns - Sponsor39:58 Future of Embedded Finance42:05 Alignment of Incentives44:35 Education and Transparency46:58 Advice for Founders47:55 Closing Thoughts50:22 Hawk AI - Sponsor51:06 Disclaimer

Bitcoin hit $116K before $3.45 billion in liquidations while stablecoins transferred a record $15.6 trillion with bots executing 70% of that volume. Host Tedd Huff, CEO of Voalyre, and BakerHostetler Partner Robert Musiala break down what happened in crypto this month and why it matters to your business now. The SEC issued two major no action letters creating roadmaps for DePIN networks and state bank custody while Treasury opened a 58 question comment period closing October 20th on Genius Act implementation. The Wolfsburg Group published global AML guidance requiring banks to know their customer’s customer when serving stablecoin issuers as nine European banks formed a consortium to launch a MICA compliant Euro stablecoin by 2026. Market fragmentation accelerates as purpose built stablecoins target specific communities while USDT and USDC slip to 84% combined share despite growing absolute volumes. Security threats remain the biggest adoption risk even as regulatory clarity emerges. Learn the five moves compliance and product teams should make today: display fees before sends, segment use cases by ecosystem, publish clear redemption rules, run cross chain incident drills, and build a one page control map that speeds both sales cycles and audits. If you manage risk, product, or finance in payments or crypto, this episode gives you the regulatory context and practical steps to act without waiting for Congress.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.Chapters00:00 Highlights01:17 Dfns - Wallets as a Service (sponsor)02:38 Kickoff03:48 Lightning Round: Bitcoin and majors05:15 Lightning Round: XRP, memecoins, staking pressure06:28 Layer1 - Layer2 top News07:29 Stable Coin Top News09:02 Regulatory Landscape11:38 Secuity Threats and Compliance19:12 Bots = ~70% of the $15.6T stable coin transfers20:37 Skyflow - Provacy Vault API (sponsor)23:30 SEC pace and “rules of the road” setup26:01 SEC rulemaking agenda explained27:11 No-action letter: programmatic transfers and the Howey lens (DEPIN)30:31 More no-action letters plus Treasury request for comments (ANPRM)32:42 Wolfsberg guidance: bank risks and controls for stablecoin issuers36:02 September summary: regulatory momentum and market impact39:58 Rob's Top Three Take Aways40:47 Tedd's Top Three Take Aways43:22 Hawk Ai (sponsor)44:08 Disclaimer

Building a successful fintech consulting firm without venture capital requires more than industry knowledge. It demands a willingness to sacrifice, a clear understanding of what customers need, and the ability to treat compliance as a commercial function rather than a cost center.Tedd Huff founder & CEO of Voalyre a fintech advisory firm sits down with Jas Randhawa, founder and CEO of Strategybrix, a compliance consulting firm that serves high-growth fintechs, exchanges, and partner banks. The discussion covers the hard lessons learned from bootstrapping, the common mistakes fintech founders make, and why approaching compliance strategically can unlock growth rather than block it. Jas spent over 20 years working with major banks like Citibank, JP Morgan, Deutsche Bank, and HSBC. His background as a computer science engineer gave him an inside view of how compliance systems work, from KYC and onboarding to transaction monitoring and fraud detection.Takeaways:1️⃣ Prepare budget negotiations with specific numbers and risk examples so you walk in ready to win.2️⃣ Replace compliance roadblocks with conditions for approval that define the guardrails needed to say yes safely.3️⃣ Audit your onboarding flow against competitors to remove unnecessary friction that causes customer drop-off.4️⃣ Create a one-page explainer showing how your AI compliance tools process data and produce outputs for regulators.5️⃣ Build a trusted advisor network and schedule calls this week to validate major hiring and spending decisions.Links:Jas Randhawa: https://www.linkedin.com/in/randhawajasStrategybrix: https://www.strategybrix.comhttps://www.linkedin.com/company/strategybrixFintech Confidential:Podcast: 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 form processing. https://under.io/ftcSkyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. https://skyflowsecure.comDfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfnsHawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. https://gethawkai.comAbout:Jas Randhawa is the Managing Partner at StrategyBRIX, a boutique Risk and Compliance Consulting firm. Before StrategyBRIX, Jas was the Head of Financial Crimes and Compliance at leading fintechs, including Stripe and Airwallex. In addition, at PwC, Jas built and led the firm's Financial Crimes practice across the US West Coast. He has over 18 years of experience building and managing programs in the Compliance space.StrategyBRIX is a boutique consulting firm specializing in risk and compliance management for fintechs, crypto platforms, and digital banks. Founded in 2021, the firm helps organizations build sustainable financial crime compliance programs that balance regulatory rigor with operational efficiency.Tedd Huff is the Founder of Voalyre, a professional services advisory firm focused on global payments. 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.DD3 Media is a media creation, management, and production company delivering engaging content globally.Chapters:00:00 Highlights01:34 Under (Sponsor)02:03 Welcome Jas Randhawa03:26 Bootstrapping Strategybrix04:45 Challenges in the Banking Sector09:36 The Importance of Customer Focus17:29 Skyflow Privacy Vault (Sponsor)18:45 Scaling a Consulting Firm25:41 Building and Leading a Team32:48 Sustaining a Consulting Business33:50 Importance of Team Dynamics34:30 Curiosity and Learning in Team Members36:01 Common Compliance Mistakes38:35 Budgeting for Risk and Compliance40:34 Effective Compliance Negotiation43:54 Onboarding and Compliance Design49:18 Dfns Wallet as a Service (Sponsor)56:59 AI and Technology in Compliance01:03:32 Advice for FinTech Founder01:05:06 Conclusion and Final Thoughts01:06:40 Hawk AI (sponsor)01:07:27 Disclaimer

Duncan Barrigan left his high-profile Chief Growth Officer role at GoCardless, a $2.2 billion payments platform, to solve what he calls the biggest challenge in financial technology: broken B2B payments. This $70 trillion market is stuck, with 98% of B2B payments handled by outdated, manual processes. Rideshare giants deploy 50-person teams just to manage accounts receivable, exposing an enormous need for modern payment processing solutions.Manual tasks and communication breakdowns are costing companies millions in wasted time. The core issue isn’t just sending or receiving money—it’s the chaos and disputes that slow down invoice payments and paralyze AP teams. Duncan saw that true progress means automating the entire workflow. Using the power of AI and AP automation, Lunos builds agents that handle accounts receivable at scale. These AI-powered tools negotiate, track, and resolve payment disputes without errors, never missing a detail, and supporting efficient electronic payments for modern businesses.1️⃣ Start with monitor mode first to build trust and understand AR patterns before advancing to suggest or act modes.2️⃣ Prevent disputes through real-time records instead of tracking payment promises in weekly spreadsheet downloads.3️⃣ Let email handle customer communication rather than forcing customers onto new portals that create friction.4️⃣ Use relationship-specific data for forecasting instead of broad machine learning patterns across different companies.5️⃣ Integrate like a human worker by connecting with existing ERPs, CRMs, and communication tools without forcing massive changes.GUESTDuncan Barrigan LinkedIn: https://www.linkedin.com/in/duncanbarrigan/LUNOSWebsite: www.lunos.aiLinkedIn: https://www.linkedin.com/company/lunos-ai/FINTECH CONFIDENTIALPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.comLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSUnder - Streamlines application and underwriting with digital PDF processing - https://under.io/ftc Skyflow - 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.comABOUTDuncan Barrigan is a technology entrepreneur and executive. He's the Founder and CEO of Lunos, the AI partner that manages receivables just like you would. Well, how you would if you worked on it 24/7, never forgot anything and read every message ever sent to you - you get the idea.He has spent more than a decade helping businesses get paid, previously as Chief Product Officer and Chief Growth Officer at GoCardless for eight years, playing a leading role in its rise from a UK-based direct debit provider to a global bank payments unicorn worth $2.2bn, with revenue growing for $1m to well over $100m ARR. Prior to that he worked as a consultant, leading projects advising PE & VC clients on fintech and financial services M&A and strategy at Oliver Wyman. He has an MA in Natural Sciences from the University of Cambridge.Lunos is an AI-powered accounts receivable platform that integrates with enterprise systems to automate tracking, communication, and resolution of unpaid invoices. The system operates like a human AR agent, managing customer interactions and adapting to responses in real time.Tedd Huff is the Founder of Voalyre a professional services and Advisory firm focused on global payments and banking. 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 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.DD3, Media: DD3 Media is a media creation, management, and production company delivering engaging content globally*CHAPTERS*00:00 Highlights01:07 Under (sponsor)01:55 Meet Duncan Barrigan02:50 Communication Chaos in Business04:14 Duncan's Career Shift05:19 The Light Bulb Moment06:51 The Complexity of B2B Payments09:08 Building AI to Handle Real-World Chaos17:18 Skyflow (sponsor)19:13 The Importance of Accurate Records28:27 The Future of AI in B2B Payments31:57 Advice for FinTech Founders33:14 Conclusion and Final Thoughts34:53 Hawk Ai (sponsor)35:39 Disclaimer

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