The Fintech Blueprint

Lex chats with Sasha Orloff, CEO and Co-founder of Puzzle - “the first smart accounting software,” which combines a streaming financial data platform that’s connected to a general accounting ledger. Sasha starts the conversation detailing his journey from traditional banking to fintech entrepreneurship. Reflecting on the early days of fintech, contrasting the East and West Coast perspectives, and sharing his experiences from leading innovative fintech ventures like LendUp. The conversation dives into the future of fintech, discussing the transition into autonomous accounting, the rise and fall of Personal Financial Management (PFM) tools, and the integration of natural language processing into quantitative software. The duo also contemplates the nature of rules in language models, the dichotomy between deterministic and probabilistic models in AI, and the future of intelligent software. The episode concludes with Sasha sharing various channels to connect with him and learn more about Puzzle. MENTIONED IN THE CONVERSATION Puzzle's Website: https://bit.ly/3NKuO6YSasha's LinkedIn profile: https://bit.ly/3Pt3pHX Topics: Fintech, AI, artificial intelligence, machine learning, GenAI, Accounting, Software, LLM, embedded finance Companies: Puzzle, Puzzle Financial, Mission Lane, LendUp, ChatGPT, Brex, Stripe, Plaid ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’43”: The evolution from traditional banking to fintech entrepreneurship: Exploring personal journey and the early days of fintech 7’10”: The East vs West Coast perspective in fintech's infancy: Analyzing venture investments, startup culture, and the birth of innovative fintech ventures like LendUp 12’36”: Deciphering the keys to fintech success: The role of mobile distribution, underwriting capabilities, and capital flow in shaping lending ventures 18’23”: Transitioning into the realm of autonomous accounting: The genesis of Puzzle and its inevitable emergence in the fintech landscape 22’41”: Reflecting on the evolution of fintech: Assessing the impact of financial data accessibility, manufacturing financial products, and mistakes in early accounting software ventures 28’23”: The rise and fall of Personal Financial Management (PFM) tools: Evaluating consumer adoption, value proposition, and the role of autonomous accounting in fintech's future 34’47”: Exploring the integration of natural language processing into quantitative software: The role of language models in user experience and backend operations 39’04”: Deciphering the nature of rules in language models: Deterministic vs. Probabilistic approaches in accounting software 41’59”: Speculating the future of AI: A dichotomy between deterministic structures and probabilistic models in building intelligent software 46’10”: The channels used to connect with Sasha & learn more about Puzzle Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex interviews seasoned fintech expert Teana Baker-Taylor - Circle VP of Policy and Regulatory Strategy EMEA. Circle began as a peer-to-peer payments technology company that now manages stablecoin USDC, a cryptocurrency the value of which is pegged to the U.S. dollar. Teana discusses her journey from traditional finance to the frontier of blockchain and crypto exchanges. Together Lex and Teana explore the tangible economic impacts of banking and navigate the complex digital asset landscape, focusing on the unique role of USDC as a leading stablecoin. Additionally, they touch on the underlying mechanics of USDC and the intrinsic investment risks in the stablecoin space. Concluding by pondering the potential of stablecoins like USDC in the emerging metaverse, a new digital realm with endless possibilities. MENTIONED IN THE CONVERSATION Circle's Website: https://bit.ly/3CwWfL5Teana's LinkedIn profile: https://bit.ly/3Nw8yxF Topics: crypto, blockchain, tokenization, web3, defi, stablecoins, metaverse, AR/VR Companies: Circle, USDC, Eurocoin, Terra Luna, Metamask, Apple ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 2’38”: Tracing Teana’s professional journey: From traditional finance to innovative blockchain and crypto exchange operations 5’14”: Exploring the true purpose of banks: Bridging the gap between abstract finance and tangible economic activity 9’48”: Decoding the digital asset space: A deep dive into the function, philosophy and criticisms of crypto exchanges 15’58”: Unraveling USDC: Understanding its creation, uses, and its novel role as a cash equivalent and unit of account on a payment rail 20’10”: Differentiating stablecoins: Examining redemption processes, collateralization practices, and the existence of investment risk 21’11”: Exploring the underlying mechanics of USDC: The role of bank-held dollars in stablecoin operations 24’47”: Envisioning the role of money in the metaverse: The use cases and potential dominance of stablecoins in emerging digital spaces 28’11”: The channels used to connect with Teana & learn more about Circle and USDC Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex interviews Ashwin Kumar - Stripe's Head of Startups for Banking-as-a-Service. Stripe is a financial technology (FinTech) company based in San Francisco, CA, whose software allows individuals and businesses to make and receive payments online. In this episode, Lex and Ashwin explore Stripe's strategic positioning in the transformative world of fintech. From unraveling Stripe's core mission and approach, Ashwin and Lex provide an enlightening comparison with Amazon's strategy, shedding light on Stripe's unique ability to integrate across platforms for exponential reach. Additionally, Ashwin and Lex touch on the rich understanding of embedded finance and Banking-as-a-Service, key insights into the pivotal role of banking partnerships, and the evolving dynamics of fintech startups in the market landscape.   MENTIONED IN THE CONVERSATION Stripe's Website: https://bit.ly/3NvD9LXAshwin's LinkedIn profile: https://bit.ly/3X1bNjW Topics: Payments, Banking-as-a-service, banking, fintech, embedded finance, BaaS Companies: Stripe, Chime, Karat, Ramp, Apple ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’18”: Understanding Stripe: Deciphering the core bet,  its mission, and defining the concept of a digital company 3’18”: Defining the landscape of fintech: The role of stripe in niche user group services, embedding financial services in SaaS companies, and the evolution towards becoming a financial services arm 6’43”: Exploring Stripe's unique position in the industry: The exponential reach through platform integrations, a comparative study with Amazon's strategy, and the unfolding of Stripe's architectural framework for third party utilization 12’14”: Distribution to the long tail and solving the last mile problem: Differentiating between embedded finance and Banking-as-a-Service, and understanding the relationship with underlying regulated financial entities 17’15”: Expanding the role of Banks in embedded finance: Regulatory perspectives, compliance work, and the impact of the shrinking U.S. banking sector 18’17”: Stripe's vision for Bank partnerships: Diversifying distribution and empowering financial institutions in the era of centralizing forces 21’04”: Observing the evolution of fintech: Changes in quality, screening, and focus of emerging tech companies seeking cutting-edge fintech solutions 22’08”: Strategies for fintech startups: Considering distribution, value addition and comprehensive business models for sustainable growth and success in the financial technology landscape Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex interviews Alisa Chinedu of Remita - a payment solution platform that helps individuals and businesses make and receive payments, pay bills, and manage their finances; making it key to supporting the Nigerian payments and fintech ecosystem.  discussing the company's role in enhancing the Nigerian fintech ecosystem. Alisa delves into Remita's functionality, strategic corporate partnerships, and its integral position in commerce and e-commerce. The discussion then proceeds to analyze Nigeria's banking system's dynamics and mobile banking's significance, focusing on Unstructured Supplementary Service Data (USSD). The conversation touches on the economic implications of COVID-19, the transition to digital currency, and the intricacies of eNaira, Nigeria's Central Bank Digital Currency (CBDC). They discuss Remita's role in eNaira's adoption, the application of CBDC in social services, and the banking sector's perspective on CBDC. The interview concludes with a future-oriented exploration of eNaira's adoption, market penetration, and the multichannel approach to CBDC distribution. MENTIONED IN THE CONVERSATION Remita's Website: https://bit.ly/3OUWbMQAlisa's LinkedIn profile: https://bit.ly/42n16t1 Topics: Payments, Paytech, CBDC, Digital Wallets, Fintech, Banking Companies: Remita, eNaira, SpeedWallet ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’29”: Remita: what it is, what it does, how it got started, and how it works with corporates 3’31”: Exploring Nigerian digital payment systems: A closer look at Remita and its role in commerce and E-commerce 6’26”: Understanding the dynamics of the banking system: An exploration of banking concentration, consumer banking situations, and the integration of digital wallets 9’03”: Exploring mobile wallets and smartphone access: Understanding digital funds transfers, population coverage, and the role of USSD in mobile banking 12’09”: Dissecting merchant codes and regulatory landscapes: Understanding the interface between feature phones, financial institutions, and mobile money providers amidst government regulation 16’32”: Deciphering Nigeria's economic landscape: Insights into inflation, impact of COVID-19, and the transition from cash to digital currency amidst economic fluctuation 21’06”: Delving into eNaira: Understanding CBDC adoption, wallet accessibility, transaction volume, and user experience amidst evolving digital currency landscape 24’39”: Remita's role in eNaira adoption: Understanding the integration process, contribution to design ideation, and the function of financial agents in product distribution 28’35”: CBDC and social services: Examining government utilization of digital currency for welfare distribution, transaction tracking, and understanding the underlying technical infrastructure 33’04”: Exploring bank relations with CBDC: Assessing retail and wholesale models, potential disintermediation concerns, and bank perspectives on eNaira adoption 35’21”: Envisioning the future of eNaira: Assessing current adoption, potential for market penetration, and the multichannel approach to CBDC distribution 39’52”: The channels used to connect with Alisa & learn more about Remita Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex chats with Eric Barbier, CEO of Triple-A. Triple-A operates as a crypto payment gateway that allows businesses to accept crypto payments. In this discussion, Eric and Lex discuss the origins and growth of Triple-A, detailing its evolution and journey through the complex world of cryptocurrency payments. Eric delves into the intricacies of building a successful crypto payments infrastructure, from risk management and liquidity to the significance of robust banking relationships and compliance frameworks. From charting his entrepreneurial path and reflecting on the roles of different players in creating value networks, to drawing comparisons between his past and current ventures, Eric concludes with strategies for connecting and learning more about TripleA's revolutionary role in broad-scale commerce. MENTIONED IN THE CONVERSATION Triple-A's Website: https://bit.ly/3II37cdEric's LinkedIn profile: bit.ly/3MC59vl Topics: Fintech, payments, paytech, crypto, commerce, ecommerce Companies: Triple-A, TransferTo, Thunes, Bitcoin, Ethereum, Mpesa ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’14”: Triple-A: what it is, what it does, how it got started, and how it has evolved over time 4’23”: Unraveling the Crypto Payments Journey: Initial Asset Considerations, Building the Merchant Network, and Understanding the Evolution of Commerce 8’41”: Navigating the Crypto Commerce Landscape: Exploring Product Market Fit, Go-to-Market Strategies, and the Impact of Geographical and Market Volatility on Adoption 13’59”: The Blueprint of Crypto Payments: Exploring Infrastructure, Risk Management, and Liquidity in Digital Asset Transactions 18’16”: Mitigating Risks in Crypto Commerce: Unveiling the Importance of Banking Relationships, Enhanced Due Diligence, and Robust Compliance Frameworks in Last-Mile Settlements 22’16”: Exploring the Penetration of Crypto in Broad-Scale Commerce: Visualizing Expansion Strategies and Assessing Potential Limitations in Market Availability 24’28”: Tracing the Entrepreneurial Journey: Insights from Thunes and the Shift from Telecommunications to Value Transfer Networks 30’03”: The Confluence of Different Players in Creating Value Networks: Reflecting on the Roles of Telcos, Banks, Card Networks, and Tech Firms in Money Movement Evolution 32’25”: Leveraging Market Demands in the Evolution of Payment Systems: A Comparative Analysis of Thunes and TripleA's Approaches to Cross-Border Payments 34’51”: The channels used to connect with Eric & learn more about Triple-A Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex chats with Anish Acharya - a general partner at Andreessen Horowitz. Andreessen Horowitz (a16z) is a venture capital firm in Silicon Valley, California, that backs bold entrepreneurs building the future through technology. Anish and Lex analyze the impact and adoption of disruptive platform shifts, before charting a journey through FinTech from innovative startups to high-profile acquisitions. Additionally, shedding light on Credit Karma's growth strategies and user behavior. Finishing off with a discussion of the future of FinTech, envisioning a landscape transformed by AI integration, Web 3.0 convergence, and innovative investment strategies that uncover non-traditional opportunities in financial services and consumer sectors MENTIONED IN THE CONVERSATION A16z's Website: https://bit.ly/3olOrIzAnish's LinkedIn profile: https://bit.ly/438tqjt Topics: Fintech, web3, mobile, generative AI, AI, Artificial intelligence, social Companies: a16z, Andreessen Horowitz, Google, Social Deck, Snowball, Credit Karma, ChatGPT, Facebook, Google ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’54”: Anish’s foundational experiences with early stage startups & what pulled him towards entrepreneurship 7’05”: Reflecting on SocialDeck's beginnings: early hypotheses, insights from Facebook APIs and mobile behavior patterns, and the evolution of reality 12’22”: Analyzing modern platform Shifts: a deep dive into adoption rates and Disruptive Impact" 17’04”: Journey into FinTech: from mobile startups to Google and Credit Karma acquisitions - A founder's tale of innovation and acquisition Interests 20’14”: Insights from scaling Credit Karma: understanding consumer behavior and navigating the financial life of its users 25’08”: Walking the ethical tightrope in FinTech: balancing paternalistic products and dopamine-driven loops, lessons from Credit Karma and A16z 29’19”: The challenges of active and social-following copy investor platforms: examining the successes and shortcomings of companies like Covestor, Wealthfront, eToro, and M1 Finance 31’26”: Evolving the investment thesis at Andreessen Horowitz: reflections on a journey shaped by COVID, Web 3.0, NFTs, and the rise of generative AI 38’15”: The Future of FinTech: envisioning AI-integrated investment plugins and their potential role in Big Tech - insights from an Andreessen Horowitz GP 40’35”: The Convergence of AI and Web 3.0: exploring the future of privacy, digital ownership, and personalized AI agents in the evolving technological landscape 42’36”: Investing beyond the mainstream: uncovering under-the-radar opportunities in financial services and consumer sectors 44’39”: The channels used to connect with Anish & learn more about A16z Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex chats with Jacqueline Kennedy, Chief Operating Officer at Quicknode - a Web3 infrastructure platform, that helps developers and businesses build, launch, and scale blockchain-powered applications (dApps). In this episode, Jackie and Lex touch on understanding cloud infrastructure companies like DigitalOcean and AWS, understanding developer, client needs and commercial outcomes across different lines of the Web3 infrastructure business, and a deep dive into the confluence of computational and financial value in Web3. Finishing off on navigating the Multichain Future and evaluating dependencies, challenges, and future prospects of Web3 vs Big Tech.   MENTIONED IN THE CONVERSATION Quicknode's Website: https://bit.ly/3nYHbCrJackie's LinkedIn profile: https://bit.ly/3MjHCRa Topics: Web3, infrastructure, big tech, NFT, blockchain, API, development, DApps Companies: Quicknode, Blockdaemon, AWS, DigitalOcean ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’34”: From Law School to Crypto Entrepreneurship - The journey and early experiences explained 5’04”: Deciphering Risk - perspectives from legal profession and entrepreneurship 8’23”: Understanding Infrastructure Companies - Customer approach and principles at DigitalOcean and Amazon 14’20”: Introducing QuickNode - Functionality, use case, and the journey towards its creation 16’57”: Unveiling the Web3 Infrastructure User Base - Developer interests and market personas 21’32”: Diverse API Usage - Understanding client needs and commercial outcomes across different lines of business 26’08”: Decoding Economic Models for Web3 Infrastructure Companies - pricing, value generation, and potential business models 31’42”: The Intersection of Finance and Technology - A deep dive into the confluence of computational and financial value in Web3 34’11”: Navigating the Multichain Future - Understanding the dynamics and implications for Web3 from QuickNode's perspective 37’35”: Web3 and Big Tech - Evaluating dependencies, challenges, and future prospects in the intersection of the industries 40’38”: The channels used to connect with Jackie & learn more about Quicknode Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

In this conversation, we chat with Alain Meier, the Head of Identity at Plaid. Plaid builds a data transfer network that powers fintech and digital finance products. Plaid's product, a technology platform, enables applications to connect with users’ bank accounts. Alain has spent the past decade problem-solving in all things digital identity. He was a founding member of the Stanford Bitcoin Group and went on to start identity verification company Cognito, which was acquired by Plaid. Topics: fintech, digital finance, platform, identityBrands: Plaid, Cognito, Stanford, Bitcoin ABOUT THE FINTECH BLUEPRINT🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV👉 Twitter: https://twitter.com/LexSokolin Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex chats with David Hoare, the CTO and co-founder of Codat - a universal API platform that connects small businesses to banks and other financial platforms. Together they discuss the value behind data aggregation, API integrations, SME enablement via APIs and the complexities involved in connecting large institutional businesses to API platforms. Additionally, Dave breaks down how the COVID-19 pandemic created an unexpected opportunity for Codat to help large banks deliver funds to smaller businesses in need of financial assistance. He also emphasizes the importance of buying APIs via API platforms like Codat rather than building it in-house, and so much more! MENTIONED IN THE CONVERSATION Codat's Website: https://bit.ly/3LfoYZ1Dave's LinkedIn profile: https://bit.ly/3HnvV90 Topics: API, payments, embedded finance, fintech, payments, integration, automation Companies: Codat, Experian, PayPal, Plaid, Stripe ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’26”: Codat - what the company is, how long it has been around, some of the things it does, and how small Fintechs use Codat 9’20”: The different software packages that the data aggregation adds value to, and the types of API integrations needed for the data pull 17’07”: Envisioning the customer experience and breaking down the economics of the platform 20’22”: Breaking down the requirements involved in integrating Codat into their stack, and expanding on Codat’s partnership program with large enterprises 26’43”:  Examples of failed hypotheses and customer relationships, and surprisingly successful use case examples 33’42”: The current competitive landscape and dynamics evolving towards the future 37’10”: The channels used to connect with David & learn more about Codat Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.

Lex chats with Antonio Juliano, founder and CEO of dYdX -  a crypto derivatives trading platform that caters to professional traders outside the U.S. It averages roughly $2 billion in daily trading volume (Coinbase does about $5 billion). Antonio shares his experience working at Coinbase since 2015 when Bitcoin was dominant and Ethereum was new to the game. Together, they discuss how decentralized exchanges and automated market makers made it easier for individuals to provide liquidity and trade crypto assets. Touching on dYdX's plans to deploy a Layer 1 on Cosmos, as well as adopting a model of progressive decentralization, and so much more! MENTIONED IN THE CONVERSATION dYdX's Website: https://bit.ly/3H4gHFIAntonio's LinkedIn profile: https://bit.ly/3mRYTqz Topics: blockchain, crypto, layer 2, decentralized exchange, order book, perpetual contracts, crypto trading, rollups Companies: dYdX, Ethereum, Cosmos, Coinbase, Bitcoin, FTX, Solana, StarkNet ABOUT THE FINTECH BLUEPRINT 🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2 🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV 👉 Twitter: https://twitter.com/LexSokolin  TIMESTAMPS 1’22”: Antonio’s foundational experiences at Coinbase, and how the concept of trading coins on a centralized exchange was received at the time 8’57”: Breaking down the definitions, functions and directions of decentralized exchanges, automated market makers, their order books, and liquidity 14’49”: What a perpetual contract is, how it functions, what are the limits and rules behind it and how it has evolved over time 24’04”: The mechanics behind the current market structure behind selling on-chain positions, and the best practices that stemmed from bad incidents 29’47”: Layer 2s - what they are relative to dYdX, what dYdX has done with them, what the current initiatives are involving them at dYdX, and their future 39’29”: The Cosmos ecosystem relative to Ethereum, and the future of how the market structure will evolve 42’29”: The future of dYdX and how it will evolve over time 45’12”: The channels used to connect with Antonio & learn more about dYdX Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.