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    Technology

    The Fintech Blueprint

    Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.

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    Copyright: © 2021 The FinTech Blueprint

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    Latest Episodes:
    How Metronome is Building the Revenue Engine for AI, with CEO Scott Woody Mar 25, 2025
    Show notes

    Lex interviews Scott Woody, CEO and founder of Metronome, a usage-based billing platform. Scott shares his journey from academia to entrepreneurship, detailing his experiences at UC Berkeley, D.E. Shaw, and Stanford, where he studied biophysics. His tenure at Dropbox, where he tackled billing system challenges, inspired the creation of Metronome. The discussion highlights Metronome's real-time billing data capabilities, which aim to improve business efficiency and customer experience. Scott also explores the broader implications of AI in fintech, emphasizing the shift towards usage-based business models and the importance of real-time data.

    Notable discussion points:

    Metronome emerged from firsthand frustrations at Dropbox, where Scott Woody experienced how rigid billing systems slowed growth, confused customers, and blocked real-time insights. He built Metronome as a flexible, real-time billing engine that merges usage data with pricing logic—powering the monetization infrastructure for top AI companies today.

    Real-time billing isn’t just about invoices—it's a strategic revenue lever. For AI and SaaS businesses alike, Metronome enables teams to run dynamic experiments, optimize GPU allocation, and make last-minute decisions to hit quarterly targets—turning billing into a core growth engine.

    The rise of AI is accelerating a shift to usage-based models. As AI becomes specialized labor across verticals (from loan collection to customer service), companies are rapidly replatforming, and entire industries may flip from seat-based to outcome-based pricing within quarters—Metronome is positioned as the "payment processor" for this AI economy.

    MENTIONED IN THE CONVERSATION

    Topics: Metronome, Dropbox, Datadog, OpenAI, AI, AGI, machine learning, pricing models, financial services, business optimization, operational frameworks, analytics, financial modeling

    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

    1’05: Talent Spotting and Swag Strategy: How Scott Woody Recruited the Brightest Minds at Berkeley

    7’27: From Biophysics to Startups: How Stanford and Protein Folding Led Scott into Tech

    9’28: Lessons from Dropbox: Why Talent Density Beats Perks in Building Scalable Tech Teams

    14’09: Solving the Billing Bottleneck: How Metronome Powers Real-Time Monetization for Modern Tech

    19’45: Real-Time Revenue Intelligence: How Metronome Helps Teams Optimize Pricing, Experiments, and GPU Allocation

    24’55: Optimizing AI Economics: Metronome’s Real-Time Matching of Model Usage, Customer Spend, and GPU Allocation

    29’03: The Rise of Usage-Based AI: Why Real-Time Monetization Is Reshaping Business Models Across Tech

    34’25: Specialized AI as Labor: Why Purpose-Built Agents Are Shaping the Future of Work and Software Integration

    40’46: The Tipping Point for AI Adoption: Why Clear ROI and Competitive Pressure Are Rewriting Entire Industries

    48’39: The channels used to connect with Scott & learn more about Metronome

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    Building a Trustless Supercomputer for Web3 and AI, with Arweave's Founder Sam Williams Mar 10, 2025
    Show notes

    Lex interviews Sam Williams - founder of Arweave. This episode delves into the innovative aspects of Arweave, a protocol designed for permanent data storage and computation within the Web3 ecosystem. The discussion covers a range of topics, from the economic models underpinning Arweave to its potential applications in decentralized finance (DeFi) and beyond.

    Notable discussion points:

    The Founding of Arweave and its Mission – Sam Williams’ interest in distributed computing and concerns about authoritarianism led him to create Arweave in 2017. Inspired by the Snowden leaks, he saw the need for a blockchain-based permanent storage solution to protect journalism, historical records, and digital assets from censorship.

    Decentralized vs. Distributed Storage – Williams explained how Arweave differs from alternatives like IPFS and Filecoin. Unlike traditional storage, which requires ongoing payments, Arweave uses a one-time payment model. This storage endowment leverages declining storage costs to ensure long-term data persistence without relying on centralized infrastructure.

    Arweave’s Expansion into Decentralized Compute – Arweave has evolved beyond storage to develop decentralized computing through "Arweave IO." This enables parallelized smart contract execution, making it possible to run AI models, financial automation, and decentralized apps on-chain—aligning with Web3’s shift toward autonomous, intelligent systems.

    MENTIONED IN THE CONVERSATION

    Topics: Arweave, permanent data storage, Web3, decentralized systems, distributed systems, blockchain, economic models, IPFS, Filecoin, decentralized computing, decentralized finance, compute

    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

    1’06: From Distributed Computing to Decentralized Truth Preservation: A Journey into Web3

    4’31: Decentralization vs. Distribution: Defining the Future of Web3 Infrastructure

    9’41: Building a Decentralized Archive: Arweave’s Journey from Vision to Adoption

    16’28: Web3 Storage Economics: Arweave vs. IPFS and the NFT Data Dilemma

    22’42: Arweave’s Endowment Model: A Blockchain-Native Approach to Permanent Storage

    27’13: Arweave’s Next Chapter: From Permanent Storage to Decentralized Supercomputing

    31’36: Decentralized AI and Agent Finance: Expanding Arweave’s Computational Power

    36’26: Decentralized AI and Blockchain: Overcoming Computation and Consensus Challenges

    41’34: The Future of Decentralized Intelligence: Trustless Finance and Digital Immortality

    44’59: The channels used to connect with Sam & learn more about Arweave

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    The Virtual Card Revolution Powering $7 Billion in Transactions, with Extend CEO Andrew Jamison Feb 24, 2025
    Show notes

    Lex interviews Andrew Jamison - CEO and Co-founder of Extend - a financial infrastructure platform that helps banks innovate financial product development with capabilities while working with their existing systems, starting with virtual cards. Andrew shares his journey into fintech, detailing his experiences at American Express and the evolution of virtual cards. He discusses the challenges and opportunities in the virtual card space, the founding of Extend, and its innovative approach to simplifying spend management. The episode highlights Extend's rapid growth, unique market position, and the future of financial management, emphasizing real-time transactions and integrated solutions for businesses.

    Notable discussion points:

    Virtual Cards = Smarter Spend ManagementVirtual credit cards revolutionize payments by enabling real-time reconciliation, reducing fraud, and improving financial control—especially for SaaS, digital ads, and legal expenses.

    Extend’s Edge: Partnering with Banks, Not Disrupting ThemUnlike Brex and Ramp, Extend powers virtual cards on existing bank-issued cards, making adoption seamless for businesses while strengthening bank relationships.

    B2B Payments Go EmbeddedThe future of finance is embedding payments directly into platforms like SAP Concur - letting CFOs manage expenses within the tools they already use.

    From Enterprise-Only to Instant AccessVirtual cards once took months to implement. Extend’s API-first approach makes them deployable in minutes, bridging the gap between legacy banking and modern finance.

    MENTIONED IN THE CONVERSATION

    Topics: Extend, American Express, AMEX, SAP, fintech, credit cards, spend management, virtual cards, B2B, API, banking infrastructure, embedded payments

    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

    1’10: From Green Screens to the Cloud: How Early Tech Shaped Andrew Jamison’s Approach to Business and Automation

    5’12: Scaling Amex: Expanding Beyond Travel to B2B Payments and Virtual Cards

    10’27: Virtual Cards in Travel: Solving Payments but Struggling with Scale

    15’19: Virtual Cards and On-Demand Growth: How APIs Unlocked a New Payments Model

    19’17: From Amex to Extend: Reinventing Virtual Cards for Everyday Business

    26’00: Scaling Smart Payments: How Extend is Reshaping B2B Credit Cards

    29’33: Rethinking Spend Management: How Extend Partners with Banks Instead of Replacing Them

    31’47: Built for CFOs: How Extend Streamlines Payments and Expense Management

    35’08: The Future of Finance: How Embedded Payments and APIs Are Reshaping the CFO’s Role

    40’34: The channels used to connect with Andrew & learn more about Extend

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    How Sei is Breaking Ethereum's Limits with Co-Founder Jayendra Jog Feb 14, 2025
    Show notes

    Lex interviews Jayendra Jog - co-founder of Sei Labs, about his professional journey and the innovative Sei protocol—a high-performance parallel blockchain. Jay shares insights from his time at Robinhood, emphasizing the importance of distribution over technology and the challenges of scaling a fintech company. He discusses the limitations of Ethereum's transaction processing and how Sei Labs aims to address these through parallelization. The conversation also covers the future of blockchain in finance, the need for regulatory clarity, and the potential of high-performance blockchains to support emerging industries like AI and decentralized science.

    Notable discussion points:

    Impact Over Paychecks – Jog’s career leap from SAP to Facebook, Pinterest, Robinhood, and Sei Labs was driven by impact, not salary. He thrived in small, high-talent teams where he could truly move the needle.

    Robinhood’s Growing Pains – Early Robinhood was fast and scrappy, but as it scaled, bureaucracy slowed innovation. The shift from “missionary” to “mercenary” employees hurt culture and velocity.

    Tech Doesn’t Win—Distribution Does – The best crypto projects don’t just have great tech; they win by getting users. Sei Labs focuses on real-world adoption, not just engineering breakthroughs.

    Sei’s Parallelized EVM: A Game Changer – Ethereum is slow. Sei Labs fixes this by parallelizing transactions, enabling high-speed trading and complex on-chain applications. It’s Ethereum’s power with Solana’s speed.

    MENTIONED IN THE CONVERSATION

    Topics: fintech, blockchain, Sei Labs, Sei protocol, Ethereum Virtual Machine, EVM, Robinhood, decentralized applications, DeFi protocols, DePIN

    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: From Silicon Valley Roots to Startup Hustle: Jayendra Jog’s Journey Through Tech’s Elite Ranks

    7’53: Scaling Robinhood: From Scrappy Startup to Corporate Bureaucracy

    12’56: Why Robinhood Won: Distribution Over Technology in Fintech and Crypto

    17’38: Sei and the Parallelized EVM: Scaling Blockchain for High-Performance Trading

    25’18: Parallelization in Blockchain: Unlocking Scalability Without Breaking the System

    28’03: Building Sei: Solving the Blockchain Adoption Puzzle for Finance and Developers

    33’50: The Blockchain Race: Competing for Killer Apps and Market Dominance

    38’02: The Next Wave: Sei’s Vision for AI, DePIN, and High-Performance Blockchain Applications

    41’34: The channels used to connect with Jay & learn more about Sei

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    Protecting 2,700 Customers Across 100 Million Transactions, with Socure's CTO Arun Kumar Jan 28, 2025
    Show notes

    Lex interviews Arun Kumar, the CTO of Socure, an identity management and risk assessment company. In this exciting episode, Arun touches on: (1) his experience building large-scale, high-throughput, and low-latency systems at companies like Amazon and Citadel, and how he applies that expertise to the identity verification and fraud detection challenges at Socure. (2) Socure's rapid growth, serving over 2,700 customers including 9 of the top 10 U.S. banks and over 30 state agencies, processing hundreds of millions of transactions per month. (3) Socure's approach to building a real-time identity graph by aggregating signals from devices, phone numbers, IPs, and other data points to detect and prevent sophisticated fraud tactics like deepfakes and fraud GPTs. (4) The company's recent acquisition of Effectiv to simplify the integration process for customers and improve efficiency, as well as its use of Generative AI to automate various tasks. Lastly, (5) Socure's future plans to expand beyond account opening and login into transaction monitoring, as well as exploring opportunities in the growing embedded finance and digital identity spaces.

    MENTIONED IN THE CONVERSATION

    Topics: Socure, Effectiv, Citadel, Amazon, Identity management, digital identity, generative AI, deepfakes, fraud prevention, machine learning, identity verification

    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

    1’02: Scaling Innovation: Exploring High-Performance Systems and Real-Time Technology

    4’04: From Financial Data to Machine Learning: Scaling Systems and Solving Edge Cases

    8’49: Bridging Big Tech and Quant Finance: Exploring Technology Overlaps and Ultra-Low Latency Systems

    11’12: Protecting Digital Identity at Scale: The Journey to Socure and Solving Real-Time Fraud Challenges

    15’50: Building the Network Effect: How Socure Became a Leader in Identity Verification and Fraud Prevention

    21’00: Battling Modern Fraud: Deepfakes, Generative AI, and the Evolving Landscape of Digital Security

    26’30: Revolutionizing Customer Success: Simplifying Integrations with No-Code Solutions and Real-Time Performance Insights

    29’57: Scaling Customer Integration: Fixed Costs, POCs, and Generative AI-Driven Value Propositions

    34’00: Driving Efficiency and Scale: Socure's Evolving Product Roadmap and Future Vision

    36’14: Learning from Customization: Standardizing for Scalability and Long-Term Growth

    38’58: Expanding Horizons: Growing Market Share and Addressable Markets in Digital Transactions

    41’00: The channels used to connect with Arun & learn more about Socure

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    Curve’s Big Bet Reinventing Payments and Wallets, with CEO Shachar Bialick Dec 23, 2024
    Show notes

    Lex interviews Shachar Bialick, the founder and CEO of Curve, a fintech mobile wallet. In this exciting episode, Shachar touches on: (1) his background as a serial entrepreneur and his experience in the Israeli military shaped his ability to solve problems and work in high-stress environments, which are key traits for a successful founder. (2) The initial idea behind Curve was to create a "wallet to rule them all" - a single interface that could consolidate and manage multiple payment cards and accounts, providing more value and convenience to customers. (3) Building Curve involved navigating complex challenges, such as convincing payment networks like Mastercard and Visa to change their rules to allow Curve's back-to-back wallet technology. This required a resilient, innovative, and persistence approach. (4) Shachar emphasizes the importance of building a company culture that fosters curiosity, adaptability, and a belief that "everything is possible" rather than focusing on perceived limitations. (5) Lastly, Shachar discusses the evolution of the fintech landscape, including the challenges faced by neobanks in creating true financial marketplaces, and the ongoing issues with the implementation of open banking standards.

    MENTIONED IN THE CONVERSATION

    Topics: Curve, ApplePay, Google Wallet, PayPal, Tink, neobank, fintech, wallets, payments, paytech, NFC, Open Banking

    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

    1’02: From Military Service to Fintech Success: Shachar Bialick on Founding Curve and Redefining Payments

    9’10: The Resilient Founder: Risk-Taking, Leadership, and the Cultural Mindset Behind Entrepreneurship

    14’59: From Unbundling to Rebundling: Building Curve to Solve Financial Fragmentation

    20’50: Revolutionizing Payments: Curve's Ambition to Unite Financial Ecosystems

    24’26: Trailblazing Curve: Overcoming Challenges to Redefine Payments and Build a Global Fintech Ecosystem

    30’23: Project Elah: How Curve Challenged Apple’s NFC Restrictions to Redefine Digital Wallets

    34’50: Shaving the Lion: How Curve Built a Culture to Overcome Industry Challenges and Innovate

    39’05: Challenging Apple Pay: Curve’s Strategy to Deliver Tangible Customer Benefits

    42’01: The Evolution of Fintech Infrastructure: Challenges, Opportunities, and the Role of Open Banking

    51’54: The channels used to connect with Shachar & learn more about Curve

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    The Decentralized AI Revolution with 0G Labs CEO, Michael Heinrich Dec 06, 2024
    Show notes

    Lex interviews Michael Heinrich, co-founder and CEO of 0G (Zero Gravity) Labs. In this exciting episode, Lex and Michael explore the concept of decentralized artificial intelligence (AI) and how it differs from centralized, closed-source AI models provided by big tech companies. Michael kicks off with his background in tech and finance, and how he became interested in decentralized AI as a solution to the issues with closed AI systems. Notable discussion points: (1) Decentralized AI provides transparency and verifiability around the data, training, and model alignment used, unlike closed AI systems. (2) Blockchain-based systems can help enforce a "code of conduct" for AI models and ensure fair rewards distribution for data contributors. (3) 0G Labs is building a decentralized AI operating system focused on key components like decentralized storage, data availability, and a serving layer for AI inference. (4) And lastly, the company is working with various providers of AI verification mechanisms (zKML, OPML, TEML, etc.) to integrate with their decentralized AI platform. The ultimate goal is to provide a seamless user experience for building and deploying decentralized AI applications, similar to how centralized tech platforms operate today.

    MENTIONED IN THE CONVERSATION

    Topics: 0G, 0G Labs, Zero Gravity Labs, Bridgewater Associates, ORA, Story Protocol, AI, Artificial Intelligence, Decentralized AI, Tokenized AI, Web3, Blockchain, zkML, TeeML, OPML, SPML

    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

    1’10: Decentralized AI: From Early Tech Fascination to Innovating the Future

    4’08: From Finance to Founding: A Journey of Passion, Growth, and Resilience

    9’07: Web3 Meets AI: Building a Human-Centric Future Through Blockchain Innovation

    13’45: Decentralized AI Explained: Trustless Systems vs. Closed AI Paradigms

    17’21: Decentralized AI Solutions: Addressing Bias, Censorship, and Fair Rewards

    23’30: Decentralized AI Framework: Building Open, Trustless Systems for Developers

    27’28: Data Availability in Decentralized AI: Supercharging Blockchain for High-Performance Applications

    31’24: Integrating Decentralized AI: From User Queries to Scalable Inference Frameworks

    34’38: Tokenized AI Ecosystems: Economic Flows and Emerging Inference Networks

    40’04: Ensuring Trust in AI Outputs: Bridging Verification Mechanisms with Decentralized Systems

    42’13: Decentralized AI's Future: Breakout Use Cases and the Path to Mainstream Adoption

    44’40: The channels used to connect with Michael & learn more about 0G

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    Coinbase view on the future of crypto, with VP of International Policy Tom Duff Gordon Nov 21, 2024
    Show notes

    Lex interviews Tom Duff Gordon, the Vice President of International Policy at Coinbase, where he drives the company’s engagement with policymakers in global markets across the UK, Europe, APAC, LatAm, and the MENA region. Together, Tomm and Lex discuss the importance of policy work in the financial services industry, especially after the 2008 financial crisis, and how policy teams collaborate with regulators to shape the regulatory environment; the reasons why the financial services industry is heavily regulated, including the systemic and interconnected nature of the financial system and the need to protect retail consumers; the regulatory approaches to cryptocurrency and digital assets in different jurisdictions, with Europe (MiCA), the US, and other regions like Asia. The discussion highlights the diverse and evolving nature of crypto regulation globally; the challenges faced by the US in developing a coherent regulatory framework for crypto assets, particularly the jurisdictional tussle between the SEC and CFTC; Coinbase's efforts to advocate for clear and balanced crypto regulation, including through grassroots initiatives like "Stand with Crypto"; and lastly, Coinbase's evolving product strategy, expanding beyond its core exchange business into areas like custody, lending, and infrastructure for the broader crypto ecosystem.

    MENTIONED IN THE CONVERSATION

    Topics: Coinbase, Credit Suisse, SEC, Circle, MiCA, Stand With Crypto, FIT21, financial regulation, financial policy, crypto, exchange, USDC

    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

    1’02: Shaping the Future of Finance: Tom Duff Gordon’s career involving Policy, Crypto, and Global Regulation

    7’30: Preventing Financial Panic: How Regulation Mitigates Systemic Collapse

    13’12: From Bank Runs to Balance Sheets: Tackling Systemic Risk and Preventing Financial Contagion

    16’32: Regulating Crypto: Global Progress and Emerging Frameworks

    19’42: Expanding Crypto Regulation Worldwide: Frameworks, Challenges, and the Road Ahead

    28’18: Crypto and the SEC: Unpacking America’s Contradictory Approach to Regulation

    34’30: Crypto Politics: Why the US is Divided While Europe Stays Unified

    41’30: Scaling Crypto: Coinbase's Multi-Vertical Strategy and Ecosystem Vision

    45’28: The channels used to connect with Tom & learn more about Coinbase

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    Scaling Dynasty to 2,5k Monthly Signups using TikTok, with CEO Alessandro Chesser Oct 29, 2024
    Show notes

    Lex interviews Alessandro Chesser - CEO of Dynasty, a San Jose-based online platform for trust creation and management. In this episode, the key topics discussed include: The importance of aligning business and product teams, and the challenges Chesser faced when this alignment broke down during Carta's unsuccessful foray into the private markets business. Chesser's decision to leave Carta and co-found Dynasty, a startup that aims to simplify the process of creating trusts to avoid probate and protect assets. Dynasty's go-to-market strategy, which focuses on driving organic growth through short-form video content on platforms like TikTok. And lastly, the technical and legal complexities of automating the trust creation process, and how Dynasty is navigating those challenges.

    MENTIONED IN THE CONVERSATION

    Topics: Dynasty, GetDynasty, Carta, eShares, fintech, trusts, legaltech, private markets, legal, SaaS, social media, TikTok, Instagram, LegalZoom

    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

    1’24: From Sales Pioneer to Scaling Success: Alessandro Chesser on Building Carta’s Sales Organization and Transforming the Cap Table Market

    5’38: Building Carta's Success: Strategic Partnerships, Demand Generation, and Sales-Product Synergy

    9’57: Navigating Growth and Product Alignment: Carta's Scaling Challenges and the CartaX Experience

    14’19: The Journey from Carta to Founding Dynasty: The Lessons Learned and Taking the Leap

    16’55: Democratizing Estate Planning: Dynasty’s Mission to Make Trusts Accessible for Everyone

    23’11: Unlocking Wealth Protection: Directed Trusts, Asset Security, and Tax Strategies for Founders and Investors

    26’00: Trusts for the Middle Class: Simple Solutions for Inheritance and Probate Avoidance

    28’19: Privacy and Protection: Using Trusts to Safeguard Real Estate and Build Awareness Through Organic Growth

    32’02: Cracking the Viral Code: Leveraging Short-Form Video to Drive Customer Acquisition in Estate Planning

    35’09: Building a Viral Marketing Team: Crafting Convincing Content for Organic Growth in FinTech

    39’35: Engineering Simplicity in Legal Tech: Automating Trusts and Navigating Legal Complexities

    42’52: The channels used to connect with Alessandro & learn more about Dynasty

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


    What really happened at Synapse according to Founder Sankaet Pathak Oct 07, 2024
    Show notes

    Lex is interviewing Sankaet Pathak, the former CEO and founder of Synapse, and CEO and current founder of Foundation, to explore what happened with Synapse, the banking as a service industry, and key lessons learned. The discussion covers Synapse's origins, the reliance on bank partners like Evolve, the discovery of reconciliation issues and missing payments, and the eventual sale of Synapse to TabaPay. Pathak shares details on the various categories of "breaks" they uncovered, including debits from customer accounts, undisclosed fees, and the challenges around the Mercury migration. The episode also touches on potential regulatory oversights, the role of blockchain technology, and Pathak's perspective on his critics. The summary provides a comprehensive overview of the issues faced by Synapse and the broader implications for the banking infrastructure space.

    MENTIONED IN THE CONVERSATION

    Topics: BaaS, API, Open Banking, payments, banking, Fintech, Embedded Finance, regulation

    Tags: Synapse, Foundation, Evolve Bank, Mercury Bank, TabaPay, Yotta, FDIC

    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

    1’06: Synapse and the Evolution of Banking-as-a-Service: Sankaet Pathak’s introduction

    3’26: The Synapse Story: Inside the Banking Infrastructure and Its Collapse

    6’17: Behind the Rise and Reliance: How Evolve Bank Became Synapse’s Key Partner

    9’16: Uncovering Reconciliation Issues: How Synapse Detected Problems with Evolve Bank

    11’05: Tracking Customer Funds: How Synapse Managed User-Level Data with Pooled Bank Accounts

    14’41: Uncovering Payment Breaks and Fee Issues: The Challenges Synapse Faced with Evolve Bank

    21’16: Tracing Missing Funds: Synapse’s Financial Breakdowns and Evolve Bank’s Alleged Deception

    24’44: From Billion-Dollar Valuation to Fire Sale: The Synapse Collapse and TabaPay Deal

    29’04: Missing Millions: How a Migration Error with Mercury Led to a $49 Million Discrepancy

    33’37: Lessons from Synapse’s Collapse: Reflecting on What Could Have Been Done Differently

    39’10: Reflecting on Mistakes: Scaling Too Fast and the Complexities of Synapse’s Brokerage Service

    43’11: Rethinking Financial Oversight: The Need for Bank Accountability and Direct Regulation of Bank-Adjacent Companies

    45’59: Addressing the Critics: Sankaet Pathak on Misunderstandings and Missed Opportunities in the Synapse Collapse

    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, Daniella

    Want to discuss? Stop by our Discord and reach out here with questions.


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