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coley started out as you started out on the trading floor at morgan stanley in hong kong and london then joined ripple as the head of xrp institutional liquidity i believe um and there you were in charge of xrp's liquidity market development and then you moved on to finance us where you lead strategic development new product offerings long story short bringing crypto exchange to a huge audience and making it really easy for anyone to use your platform whether it's to buy sell or trade crypto which is great um anything i missed anything you would like to add you miss nothing i'm allergic to nothing i absolutely love giving people opportunities that they thought they never have before and i get so much energy learning from students uh that's really what i'm what i'm building finance us for so that's it great well i'm your history with blockchain at berkeley i remember you came to berkeley to speak with us at a club meeting fall early fall 2019. yeah i was the only employee and so i made the choice i was like i'm gonna head over to berkeley because there's no one here to tell me i can't i didn't have a marketing team i didn't have anyone and so i was like truck over i think it was a sunday afternoon and uh well i don't know if you remember how it started but oh i remember i remember we thought you didn't show up because we couldn't recognize you and i was new and so i didn't know all the new members so i just thought everyone okay maybe some people i just hadn't seen before they missed orientation but you were in the audience and it was great to talk to you i mean it i was fairly new to blockchain at the time and this was one of my first times i guess being exposed to someone with your background and level of knowledge and respect in the blockchain industry so i was really taken aback by how easy it was to strike a conversation with you how approachable you were and i think it was my first realization of how open and embracing the crypto community can be so yeah it's great to have you speaking with us again today i i was one of my highlights just hiding out in the crowd i think the guy next to me raise your hand if you remember you were working on something that was way over my head and java who knows what and and you kind of looked at me like i can't believe you don't even know this language and uh and i was like i'm gonna go up and speak on stage right now i'll be right back but uh i absolutely loved that that was that was so early into the entire journey and experience of running a company of entering the american market and crypto of seeing you know this wave that we've had in terms of market adoption in the u.s specifically um so that was like my green my green remembering of i was one of my first times on berkeley's campus and i felt just like i did in college where you've lost which way to go in the hallway and you're like i'll never be successful if i can't figure out which door i'm supposed to go into uh so i i loved the anxiety that it brought brought me back to um and i'm glad berkeley brought you some anxiety but it does for everyone it's always bring me anxiety i mean i love school don't get me wrong but i learn entirely from the atmospheres i'm in rather than the textbooks that i'm reading so i spent most of my college actually studying abroad through different business programs that put me in real world scenarios in denmark and hong kong and in singapore and i was i was a sponge in those environments rather than um you know sitting in a classroom looking at a chalkboard and i kind of take that with my understanding of crypto i would have loved to learn about it on the side while still being you know in kind of a banker world but it i can't read a couple articles and understand it i had to just dive into it and um i haven't looked back and it's paid off all its dividends um in terms of keeping me active i mean i've been in cryptocurrency only the last three years of my life which is pretty small in comparison to the other years that i've had um and i i just think it's amazing what crypto can give you if you spend a little time to learn about it if you forget everything anyone else says and and just hone in and absorb all that you can about it um because it's just so exciting right now um i would like to take you back to when you were at morgan stanley and you were i assumed that's when you were first introduced to crypto maybe i'm wrong do you mind oh yeah you're absolutely right so i in college my i went to university of north carolina in chapel hill and um most of the business school programs lead you into investment banking um out of that school i don't know it's that's kind of the route that it takes you into and there were there were two of us out of my graduating class that got into sales and trading and so we felt like baba black sheeps like we were like this is weird and people on wall street will think i'm crazy because i'm going to go with the traders group instead of the ibanker group and you know you're like and i'm also going to go to hong kong so people were just confused at what i was representing um but i had a great time learning everything there is about the asian markets they're all different and broken up especially after the asian financial crisis in comparison to the euro which covered a huge amount of land um my counterparts in london would be trading or the us dollar which isn't too spicy um in in terms of an fx world out of new york and those were kind of those larger flows the bigger options traders were all kind of based there so i was seeing currencies moving back and forth from the largest traders in the world central banks uh hedge funds you name it and just in in a very kind of animalistic trading floor that had some of the smartest people i'll ever meet in my life um and and some of the some of the roughest people i'll ever read my life um just barking back and forth uh and and in a real kind of energetic environment and one of my clients that was actually based in new york while i was in hong kong and he would work the night shifts had heard about bitcoin and i'm pretty sure he had heard about it through like his fantasy football league or something um and it was like ah shucks i gotta buy bitcoin now that i lost my fantasy football league or something and it went up to about five hundred dollars this is like 2013-ish or so um it went up to about five hundred dollars he sold it and bought his mama house and he was like i don't know what it is but i'm out like that was cool that was weird um but i bought my mom a house and i was like that's remarkable you know that doesn't happen every day that a friend of yours gets to buy uh his mama house and kind of on a whim and so in my mind i was connecting it as just another currency so where we had japanese yen where we had you know british pound i was just inserting it as another tradable asset more like a a currency um because that's how i was seeing it was going to be used by by people um and so when i read up about it it it like didn't fix anything that foreign exchange was bad at fx was bad at like the settlement time it took like t plus two so you'd have to skip u.s holidays and things like that you also had to go through a us dollar to cross any foreign pair so like if you were trying to do a brazil to india trade you'd have to go brazil u.s dollar u.s dollar india okay and i was always like well that's not like what if someone doesn't want to touch the united states like they why they don't have any purpose they don't want to have to go through that um they just want to go from brazil to india um and that that that didn't really exist you had to always kind of go through dollar pairs for everything um and so i was like well can bitcoin solve that and i was like no not not really but maybe i don't know it's i was still learning about it and um that's when i came across xrp which had kind of the things that in my mind at that time mattered speed throughput uh cost of transaction and liquidity or access to the to the the item um and so it's interesting to see the evolution of what i've learned what matters to me at that time what's more important in this like environment that's made me realize oh wow there's so many amazing parts about bitcoin with the sovereignty aspect of it like no one can no one can take it away from you no one's going to be able to to touch it like there's their components about it that like now kind of matter whereas call it 2016 i was like i need speed i need cheap i need you know make this thing as liquid as water and send it all over the world and that's really where i was i wasn't um i wasn't seeing like the the difficulty of the centralized versus the decentralized world because i'd come from the most centralized world a bank so it's like a bank and a and a university system those are two really centralized authority you know they give you a degree on paper and this is the only valid one because it comes from the university you go to a bank and this bank is the only one that's going to be giving you your job and so i came from this very like centralized authority world and for me to kind of peel back the layers and learn about what it means to be self-sovereign what it means to take control of my own assets and not have a middleman or a broker involved was like eye-opening and that to me is so free because other than being a student and a and someone that worked way too hard in 27 5 markets when was i gonna go and trade assets like in my spare time living all over the world not able to access a dollar stock market uh like would i wake up in the middle of the night and start trading u.s equities because i was going to already be awake all day in hong kong trading fx no um was i going to be able to to still put on positions if i wanted to travel the world yeah but you can't necessarily keep it with you and i didn't know where my life was because i was going to be in i moved from hong kong to london and i love that ability to live where you want to be getting getting a front row seat on the action and so i took all the pieces together that said crypto can solve all this and was just like i'm sorry for someone that wants to be global stay nocturnal keep involved have an active stance in her investments this world is pretty awesome um and then the the worst rude awakening was i had to pay so much money in order to access it and the first time i was able to earn cryptocurrency was through earn.com or 21.com where someone would reply back to me on an email that was the first time i received bitcoin and the second time i received a cryptocurrency was a paycheck from ripple and those are two really hard ways of earning something that people tell you is really easy to buy um and so i had terrible experiences with us-based uh exchanges when it first started out and i was like this is what it takes to get exposure to the coolest technology that's developing in my lifetime and i'm tenacious and courageous there are a ton of people that are not as gritty as i am to figure this out um so we got to make it easier and so that's really kind of a long story of how i got into wanting to really build the infrastructure in the us and make it easy for you and me to kick back and trade and invest whenever we feel like it and be able to deliver a platform that america really needs that's great to hear um well how do you see the crypto world evolving then in terms of financial and capital markets yeah it starts with you guys so um first of all most all of the students or anyone listening on this call venmo was like a given right it wasn't something that came about you weren't like oh this is new let me try it is it scary um so there's this mobile first generation that is expecting things to be faster they're expecting to have entertainment immediately they're expecting to have results faster and i love that that's the force that's coming first into crypto and then they're going to be learning economics they're going to be learning mortgages and interest rates further further down the line but your first experience with a supply and demand might be bitcoin which is the coolest thing ever because the rest of us had to go all the way around in order to get to a very pure example of supply and demand with 21 million created no more able to be created released out into the ecosystem what's going to be happening when the demand rises and that's like the purest example the examples they gave me in college were so confusing took me a hundred times to read the book took me five years of wall street in order to understand all the all the components that go into our capital markets and then i got the understanding of crypto and so i'm really fascinated right now that the the next generation that's coming into understanding crypto doesn't have the experience of a frustration of a bank account doesn't have to send a check to their rent hopefully hopefully not um will will not have those pain points and so they'll be able to see crypto through a new lens rather than all of the things that we're doing is really fixing legacy issues that we're tired of um and that's one thing like it's good to have a plumber that comes in and fixes all the pipes that are broken but it's another thing to have someone that just is an artist and designs exactly what they want to see in the world because it's available to them so that's what i'm excited about you guys well thank you well speaking of adoption i know you're huge on having people able to easily understand crypto and blockchain and i know there's been so many efforts to introduce the public to blockchain technology like that's what we're trying to do with this webinar series um finance has some really nice tutorials on your website on how to trade on your platform some 101 tutorials as well but blockchain isn't the most intuitive thing in the world like i know i'll explain no matter how many times i explain blockchain to my friends they usually aren't any more likely to buy bitcoin after i've explained it to them than they were before what ways do you think we can overcome this that i mean maybe some ways that are already in the works or things that haven't been tried yet any thoughts on that yeah i i you're not alone the narrative that i was told didn't work on me for about five years so there's something wrong with the story of bitcoin and it works for a certain type of person but it doesn't work for everyone so i really rely more on sharing the benefits of what leading into digital assets or even trying to take your first step into understanding it can open up to you so do you want to access your money whenever you please yes or no yes yes do do you want to be able to make an investment without someone else's decision coming into play some people would say no they'd rather have a broker make that decision fair fine other people would say absolutely i don't want to have to listen to uh you know someone that's super outdated and doesn't know who i am or what i what i want to be investing in i want to make decisions by myself so that's something that you can do is can you take this currency anywhere with you and you're the protect sole protector of it well that's frightening to a lot of people but to some other folks it's illuminating uh you know the idea that you could take all of your wealth with you and study abroad and i mean for instance tokyo and back and forth you don't have to worry about that huge and heavy fx rate anymore of sending yen to dollars when you're trying to buy a sandwich you're just like shoot me some bitcoin i don't have to worry about the burden on either side um and that's that's kind of a huge improvement on that aspect of it but but really is this something that you want to be responsible for defining um so rarely do you get to have a technology that absolutely changes in your lifetime we're we ride airplanes those have been in existence since before i was born we uh you know there's a microwave in my kitchen i had no input onto that why is it so small you know like there's so many pieces of technology that i'll never have a fingerprint on that for something right now to be just 10 years old you can absolutely be involved in the shaping of that story um banking was 75 years old before i became an analyst o you think i was really gonna pivot and change where banking was headed probably not that's like moving a boulder um and in the same amount of time that when i started my first job into banking until i became my first ceo of a us marketplace as a woman it finally got citibank to have their first ceo as a woman and you're kind of sitting there being like i hate to tell her if she just leaned into digital assets she probably could have been a first woman you know five years ago so there's something really exciting about new technology that you can have your own imprint on and for me that was that that was like the the essence of this opportunity yes there are so many other industries that are exciting yes i absolutely adore different aspects of my life but is there something so new that you can mold it and put you know your spin on it so that for the first time ever i've been able to hire 11 women to join my team and they have the best careers of their lives now and that that to me is even more rewarding than being able to deliver the lowest fees in america for people to trade on or being able to deliver a uniswap on the night that it came out and the coins were available um even more the ability to provide staking for folks so that they have the first vechain staking on our platform and finally get the veto that they thought they always deserved so there's definitely certain milestones along the way but if you look at kind of the impact that you can have on this technology whether it is still too early that's the exciting part to me and it takes a lot of courage to say i'm a dedicate my life to this for a significant portion of time and for the friends that don't get it i love you when i need you but there's a really really awesome thing that i'm after you'll collect people along the way that support you you'll collect people that have that same drive and energy uh towards solving something as cool as cryptocurrencies and you'll just keep yourself really intellectually stimulated which to me was always the biggest worry if i wasn't curious about something i was going to be up to trouble so um i i give krypto such a big kudos for giving me such an opportunity to dive in and stay focused on something that's super exciting um curious you you've talked a lot about or in the past about potentially having um people stimulus checks for example be in stable coin i think right yeah just the fact that now there's this new initiative that's come out that you probably know about called crypto for congress it's this interesting thing where for those of you who don't know um each member of congress i believe was given 50 worth of bitcoin just to help introduce them and familiarize them with bitcoin and hopefully realize the full potential of blockchain technology that's their hope um do you think this has the potential to lead to more um government interaction with crypto or what are your thoughts on this yeah i i definitely i mean i put more than just skin in the game i put my whole body into the game but for everyone else that's out there having just a little bit of skin in the game gives you just a different awareness it gives you the euphoria when it doubles in price it gives you the pain when it drops and and you experience both sides that volatility it teaches you about risk management so that you're like well i don't necessarily want to ride this roller coaster up and down i'd rather just get off at certain parts of it and and the the smallest amount i mean on binance u.s is 20 so you could buy just 20 worth of digital assets and have such a different learning experience than you would reading a textbook learning about you know distributed ledger technologies coming at it from a cryptography perspective just being able to to hold it even though it's not a physical asset is something that gives people that psychological awareness that i think is really crucial to recognizing the power of the technology of going oh this is mine this this is no one else's i can take this wherever i want to i can use it on whatever i want to i can convert it into whatever i need to in order to access and unlock different parts of where this technology is building out and that to me i think is something that's going to be really helpful for congress to experience that you know the the troubles that there are because there still are troubles um you know hop it's kind of like a hot potato but it's not a potato it's like a piece of dynamite because it's you know it's got so many powers to it that you need to be able to understand where to store it you need to understand like what what power it actually could provide um and that to me is something that it's gonna be so helpful for congress to wrap their heads around um it's gonna be a little scary and i'm sure a ton of them are gonna like the experience and we have to realize that one person that doesn't like the experience that doesn't mean it's over uh it doesn't mean it's ruined it means we need to improve um and so that's where i'm always taking feedback i've got my twitter dms open which might be insane but i get roughly you know 50 people a day that message me with feedback on the platform or or things that they want and need in a platform and that's kind of the best feedback you can get as we're building this it's kind of in a in a conversation is what i want to be having with the industry because we haven't decided on the final blueprint for it we haven't figured out how it's going to be absolutely adopted for us so let's ask people what they need it for let's ask people how they want to be holding it does you know does this make sense for us to be a centralized platform and do a lot of things for you or does that give you you know the heebie-jeebies and you're kind of like i want i would hold this in my own cold storage i can't trust you um that's really up to the user and so i want to be able to give all those experiences to people because we are a country made up of a lot of experiences right now and those really matter those different voices really matter in how we're building this because if we build it how banking looked it's going to look just like banking does now and i've been there i've tried it out and it wasn't the future for me i want the future to be more inclusive more welcoming and less intimidating less requiring a uniform um i mean i even i shrug because i never wore t-shirts t-shirts until finance u.s but um but that's because i was wearing like a boys banking uniform with a button-down shirt and french cuffs like you always were trying to blend in where you were and in crypto you don't need to blend in it's you in a computer like it's math it's it's so encompassing that everyone can have a an opportunity and everyone can have a say in it everyone can have a position in it you have some of the best designers in the world that are not your econ professors and yet they've got some of the first jobs in some of these amazing crypto companies because they're designing the interface that we're experiencing digital assets with i think that's a remarkable way for people to be able to see you know what is my strength what is my gift what gives me energy in this world and how can i work with digital assets in a way that makes sure i'm building the future of my own finances okay well speaking of experiences our country is going through right now binance actually had a surge in users back in march because of and april and may and june and july and august it's been a it's been a growing uh past eight months so yeah were you guys expecting this or and that how did you adapt to something as big as this happening yeah you know i i i think a lot of times i've heard the another narrative that we hear is the bitcoin kind of doomsdayers of like you know it's the crypt it's the currency of the future and i'm like but the future you're describing i don't want to be a part of that's a zombie apocalypse well fast forward a couple months and here we are um not leaving our homes pretending it's a zombie apocalypse uh to some extent and it really fast forwarded that that kind of um thriller movie that we were all watching and put us into a circumstance where a resilient token that doesn't have to be passed through human hands that is traceable through you know block explorers and be able to monitor transactions this is something that's actually super useful for us right now um and you think about the different components that this kind of lockdown has affected it's affected our communication and one of the best ways that we communicate is often through money um where you're describing something of value and exchanging that um and so we're going to see the changes of digital communication impact how money is distributed digitally as well and that's what i was super excited about because it just fast forwarded the conversation and said all right are you stuck at home yes can you go to the bank no are you on your couch yes do you want to still make money because you might have lost your job yes do you need anything in order to do this no do you have any internet yes like it gave us everything you needed in order to be a participant in the digital asset ecosystem and the coolest part was it also made a company like ours barely skip a beat we were decentralized from the beginning we were always working weird hours because we're 24 7 marketplace kind of part of the job um and we were able to now hire outside of san francisco so where our team is now across 17 states in the united states and we grew 150 since march which means i've not met the majority of my team in person like they don't know how tall i am it's kind of cool but it's also crazy and only until i stand up from a zoom caller they're like i think she's tall is that weird she looks about two feet tall in a zoom and i'm like yep just this but um that that to me is a future that my parents would never imagine my grandparents would definitely never imagine and to me is so liberating that i can find the best of class people that are crazy passionate but might not have been able to go to san francisco to seek out jobs or might be loving their lives in may in maine and so passionate about cryptography and a huge decentralized land holder but curious about being able to get into the space it's the folks that i've been able to bring onto the team it gives the doors a lot wider of the opening for us to be able to find the most passionate people which is as someone that's running a company is so rewarding to find people that wake up and breathe this excitement that we're all about yeah sorry i could i get way too excited my team is awesome like i found one i found one of them uh she found me at the gym and she i had a little finance and this finance phone case that says funds are safu and um she was like excuse me do you work at binance and i was the only employee at the time and i was like i am finance u.s um and she was like you look like you could um you know let's meet up or or something along the lines of that and she had worked at ey um blockchain as an auditor and sure enough after learning like speaking with her for maybe 15 minutes i was like she's the one i want on my team she's she's got everything energy-wise headed for us she knows everyone in the market she's got such an in-depth understanding of all the different marketplaces from our experience at ey which was only about three years of experience but she also had her masters in accounting which is a great skill set discipline she runs our operations now and she started and she came in the door as a compliance analyst and i've been able to just clear the runway as fast as possible for her to make uh an impact and she raises her hand and says i want to be doing this and i say you're on it um and that to me is something that was just really amazing to be able to provide and give that in turn and crypto made it possible um that's just one example there's another you know our head of business development she was a petroleum engineer that worked on oil rigs in texas traded that in for oil trading traded that in for working for a stablecoin traded that in for running all of our business development and vip trading uh so there's just such a unique story that if you sit down and listen and kind of listen for when people get really excited and tap into that uh that's where that's where we have we have a great time and a wonderful team i couldn't be more grateful for them um but it's it's wow i just remember part of the perks i don't know what gym that is i need to yeah i've never been there since it was the one time i went to the gym and i she caught me i was like laying on the ground having a nap i was just like it was one of those where you're like i just gotta get to the gym and then i can lay down on the mat and have a nap and she was like excuse me and i was like you caught me but um yeah sometimes there is a right place in the right time and sometimes there's the preparedness to be ready to say yes when someone gives you that opportunity um i remember you know or 15 minutes into our conversation i turned it around and i asked her if she wanted to join my team and without a beat she goes absolutely i'm the right person for the job and i was like that is the confidence that you need to have and she was prepared for it because she had worked her you know butt off at ey to understand all the nuances of crypto be able to be competent in every aspect of it and be hungry enough to want more um so that's really something that i i often remind people in in all parts of their life especially while you're a student is like listen to yourself as much as you can because good god you listen to everyone else way too much in i remember in college i was taking in everyone's voices rather than listening to my own and when you find that kind of excitement factor or something that just makes you absolutely grin and it's stupid grinning follow it and listen to it and someone will pay you for it i promise you um because that's really what's uh what's an exciting thing to be around those types of people that um you want to pay them for their strengths and and you want their strengths to be successful oh that's terrific yeah um so in a few minutes we're going to get to the audience q a because we have some questions so in the meantime two questions um i sort of have to ask this has been on the mind of a lot of people in blockchain at berkeley but coinbase recently had um an announcement regarding their mission statement being a mission-driven company and this sparked a lot of controversy so just we're just curious how do you approach binance us's mission and values yeah it's absolutely sparked a lot of controversy and one of the things that has been part of it since day one was it's all about our users and the user might have been me at the very beginning um and so we were listening to the whole person that comes to our platform and we really are building something for each voice out there each user each demographic that really needs this opportunity to take control of their finances um and take control of of their their own capital growth on themselves so the the the difference i'd say we have is the way the world is headed is it's not going to be an asterisk on on a data set it's not going to say like here's the trend of america astrix that was 2020 ignore it we've we fundamentally have changed the dna of the country we fundamentally change the dna of the world by this global pandemic it will go down in the history books it will be remembered and we will change our lives going forward from this so it's foolish for for us to to just kind of ignore that and for the first time ever your employer is seeing your bedroom your employees are meeting your children running around your loneliness shows up on zoom every day you can no longer hide behind kind of that corporate facade that all of us got really good at um and so we we hire the whole person we elevate the whole person and we build for the whole person and that that's really at the end of the day our users are as human as we are and this technology might be fantastic but it's still a human to human transaction that's taking place so um that that's really where where i stand on this and um you know all me uh taking in too many inputs but it's really our secret sauce and what makes us caring about the world that we're building is all of us bringing our whole selves and then final question before the audience q a is happy late birthday to binance u.s you guys just recently turned one so what is your guys's birthday wish for the coming year what are you hoping to achieve we had an absolute amazing birthday uh we had a dance party in decentral land we just launched a brand new headquarter there so if you ever are there go check it out the coordinates are 72-23 it is awesome uh we're gonna be hopefully having some more dance parties there um decentralian was something i'd heard about when i was getting into crypto and it was intimidating and i was like i don't have an avatar i'm a poser how can i be in crypto and not have my own avatar oh god what is it do i need to own mana i had to end up building a marketplace that would let me buy mana cheaply in order to name my avatar with my 100 mana i mean i learned so much in just this experience that that that's part of the process i want people to know that we're learning everything ourselves and if a little girl from florida can do it you can do it i swear so we had this big birthday party it was about 200 people and their avatars showed up we had a live dj it was poppin it was awesome and uh you got these wearables so it was you know learning about nfts along the way um yeah and that was where i have my little finance hoodie running around um and and gas fees were way too high so apologies it was like eight dollars to get a little wearable but um gas fees will come down hopefully soon um but but i just loved that experience of us all learning together we had a big team zoom uh where some of our most fanatic decentral land uh participants were teaching the rest of our team about getting our avatars and you know telling us how to move and the shortcuts um and so it really kind of was a big homage to our yeah educate don't intimidate motto uh that we've been celebrating every day for the last you know 380 days or so so i i was just super excited that we've made it through one year we've launched in 40 states we have over 50 tokens we have 100 trading pairs um and we're just getting started so that's the exciting part this next journey that we've got is now practicing what we preach so coming into the schools learning learning more from the students building exactly what people are wanting um and improving all of our our processes the on-ramps the easier ways to get dollars into crypto the easier ways to get dollars crypto into the rest of the crypto ecosystems that are getting built too but i i'm so excited we had a chance we were starting this you know to be to be continued uh but you guys are definitely a part of it education kind of cycle or possibly trading competitions around um getting students really confident in using these platforms because there's one thing to say yeah i have the hoodie or i have the t-shirt but do you know how to use the platform have you gotten over that hump of confidence are you are you really crypto literate are you just crypto shy you know how can we get people so when they graduate or even if they don't graduate this is a tool that they've got in their back pocket rain or shine you know the highs or the lows of the market they'll always have this awareness of how to engage in digital assets and the opportunities how to be analytical around them and that to me is just like a huge skill that i wish i had had and it would have changed my entire trajectory um if it had existed back then but it's changed my entire trajectory now because i get 11 and built it and keep keep working on it so that that's where i'm excited to kind of meet more people virtually um get them more confident in it and also hear about the voices of kind of new folks coming into the space there's a it's a 10 year old listening right now her name is ashlynn hey ashlynn um and she's going through this program right now with her dad um so huge shout out to the girl dads out there that are helping um her understand digital assets but you've got to leg up on everyone at 10 years old i i had like pigtails out to here and i'm pretty sure i ate mud but um if you're learning all about just the maturity that you need in order to understand money at that age is an incredible thing so um i'm super excited to see things take place in kind of a younger generation coming up because you guys are going to be the ones that are actually going to apply this and use it in your everyday lives not just uh people that are diversifying uh it's one thing to make your first you know make your first million in digital assets first separate your first million into a portion of digital assets and that's what i'm excited about oh cool that's cool that's cool to hear um so now we'll get into the audience portion all right um i don't know if you can see the questions i think i can all right one okay we'll start with nishan nishan's in blockchain at berkeley he's head of the accelerator does defy discussions he's really an alt like a renaissance man within fab hi nishan uh anyways he's saying how does bab or sorry finance us differ from finance itself because you mentioned at the start you were one of its finest us's first employees so how does finance us current focus is different from big finance yeah so big bite answer binance global is how i talk about it um really caters to the global audience it's able to deliver first of class digital asset trading they build up products overnight you just see them move and innovate on top of this ecosystem so quickly and a lot of large reason why is because they're dealing in the global regulation worlds where the united states has really specific rules and regulations and so that's where my team finance us we operate independently from binance global but we're able to license clearly first letters of our name the colors and the matching engines some of the trading infrastructure we're able to bring that best of class trading software or trading technology and put it and apply it to a us audience making sure that we're abiding by us regulation making sure that we're doing things in a regulated manner because at the end of the day some people may actually want to go through a platform that is uh regulated in each state has their licenses with fence and um you know plays plays by the rules and pushes the rules to be more accepting and and isn't gonna isn't gonna go away so there's a dot u.s after our name because we're committed entirely to america and there's nothing shiny or distracting outside of these shores because there's a great program called binance global that takes care of anyone outside of the united states but i'm really dedicated to make sure that america is not left behind in digital assets and we build something that is actually useful for all of our users here all right well someone else asks what do you think of blockchain and helping out the u.s electoral voting system and someone else asked a bit later also regarding government what role do you think government regulation will play in the crypto space in the coming years yeah i think government regulation we've already seen it take such huge leaps from even four years ago when they were kind of barely touching crypto with a 10-foot pole um you've seen greats like hester pearce come in and create really like advanced awareness she's putting forward kind of this safe harbor to be able to allow kind of a testing zone for for new companies to come in because a lot of projects don't know if they're building something that ends up looking like a security until they're already kind of through a lot of the steps um and so if you're in the process and you might look like a security but you might end up not being one how do you protect yourself along that building process and so that's really where she's kind of building this thinking of this zone of the safe harbor rule they've also just done so many um advanced steps right now with you think uh brian brooks and the occ allowing for banks to now be able to hold the funds that would be responsible for stable coins um so these are some of the biggest steps we've seen in the right direction we've seen kraken become one of the first banks in wyoming followed with caitlyn long applying as well for another bank in wyoming these are some really nice moves in the regulation that are going to help us advance and it takes a certain level of commitment in people that aren't going to be running away from america to make sure that we do see the end of this uncertainty in our regulation and fight for america's acceptance and adoption of digital assets all right um someone else asks let's see they use coinbase and asking what are the different what are the ways binance is different from coinbase but just i guess in general in a quick summary what are some things that make finance us really stand out i mean i know you have your low fees easy user experience if you could touch on some of those things yeah we one of my favorite things is we allow for recurring buys so you can set up a daily weekly monthly bi-monthly so it can sync with a paycheck um you can you can set those all up for like over 48 different cryptocurrencies so you know one of the best things about crypto is it should be working for you while you can be doing something else um so our platform automates that for you so that you don't forget when to be buying a little bit of bitcoin um i buy a little bit of a coin every day um and it's you know i don't think about it i'm just like if this is the future it does it for me um and rather than having to time the market and lose sleep over that you know there's different trading styles and one is this kind of dollar cost averaging so i really like that we take all that stress out of it for you and the cost is 10 cents for every 20 which is remarkably lower versus the other guys out there um and a lot of that comes down to the fact that users like myself don't want to be paying fees in order to access the future of technology and finance so make it happen um that's what we're here for uh so that's one of the differences i'd say another thing is we're we're significantly smaller than um coinbase the coinbase is a enormous company that's almost 10 years old and so the ability for us to nimbly respond to the market it's it's been really fruitful um we're you know we're looking and hearing what people are after and wanting to be seen have built and taking their input really into our strategy uh and i think that's something that you possibly can lose touch if you're such a big organization you're spending your time on other things that are maybe a little less intuitive to the audience that you're serving and we're right on the ground listening hearing hearing um hearing everyone talking and happy to have a conversation with any of our users any day all right um chris is wondering hi chris he's also in blockchain at berkeley uh what are your thoughts on the recent policy change that allows us banks to hold crypto assets is that a huge step towards mass adoption or does it defeat the initial purpose of blockchain good good question there um you know there's there's kind of two thoughts one is what an amazing thing because for those of us that only feel comfortable having a bank hold our value this meets us there so this means oh i could one day hold digital assets at a bank i feel comfortable with banks therefore this is a nice meeting more adoption in that realm the counter to it is you don't really need a bank or a larger custody provider to hold your digital assets that's the beauty of it is that you yourself can be the you know the holder and protector of your own funds um but you have to realize that most people are going at it at a um at that kind of traditional way or wanting something to feel like it used to because that's what felt safe that's what felt trusted you had this security deposit box that you put all your things in your baby teeth etc and and you close it up well i traveled while i formally traveled a lot and that meant if i wanted to go get something valuable of mine i'd have to go back to that tiny little bank and make sure i was in banking hours and had my key and turned it and opened it and got my security deposit out that doesn't really work for a lot of us yourself catherine being you know splitting your time between tokyo and berkeley those aren't necessarily you know you forget your key you can't necessarily go back to um mitsubishi and get your bank of pancha mitsubishi and get your security deposit box back you need something that can follow you around the world because we are so much more mobile and global so i balance it by knowing what banks have provided and that's a level of comfort and security but also an element of bias that prevents a lot of people from having access to funds or having fair treatment inside of banking institutions and so i'm excited that banks are warming up to the idea but i'm even more excited that you actually don't need them in order to partake in digital assets and that's something that is ultimately the excitement for me all right um sorry there's quite a few questions oh i'm happy to i'm happy can we copy and paste them and i'll write them up and i'll respond to them all definitely i think we'll find a way to copy them and i'll do it right now sure you can go ahead and ask the next question i just don't know these great questions i have may i ask a question yes please and everyone else can chime in what's the what's the best source of news for you when you're learning about crypto and digital assets um well hopefully people can chime in i mean the q and a portion but um hopefully people can just put their answers there and we can see them i know from for quite a few people it's either coin desk coin telegraph twitter or um honestly just talking to people in the crypto space like i've found out a lot of things from by word of mouth yeah you guys are right on the edge of the coolest hub um of a lot of things so there's a ton more happening in berkeley at imagine around well and you have this fantastic program blockchain at berkeley has kind of been leading the way in terms of uh student-run organizations that are probably good ipo we came third today though in um best university blockchain by who i know i think it was mit and i forget the other one but that's okay all right we'll try better luck next year um yeah i don't know how we would be able to hear from others no worries i'm on i'm on twitter so if if twitter is the best mode i'm at crypto coaly um and let me know because i'm trying to figure out if crypto's our best way to communicate with students or their other channels or publications that are most exciting for us to be able to interact and share educational pieces with learn from more students we're doing kind of a program with all the hbdcu schools and it's fascinating because they're you know i'm asking them what are they learning and they're like oh i've been trading for three years so i actually don't follow twitter i'm following technical analysis and i'm like oh my god you're already you know you're already flight years ahead so yeah you don't probably need to follow our twitter but um i'm curious kind of where we can make sure that we're talking talking the right talk and using the right platforms that folks are wanting to be engaging in i think twitter is great um i know some people i've recently joined telegram and some people have been using that they like it's decent somewhat decentralized nature fits the blockchain industry so we had a really awesome telegram channel and you got to be really careful about scammers i'd say that's kind of rule number one for getting into crypto understand the importance of your own privacy and understand the importance of how you store your crypto passwords don't forget them uh write them write them down keep them safe all that um and then also just try not to fall for scammers uh they'll get you one way or the other and so it's just always double checking and making sure that um you know is that email from the person that you think it's from is that tweet from the person that you think it's f om just being really careful about it because we're all so excited in this industry we we move so quickly sometimes we forget that they spelled my name entirely wrong and we're trying to trying to get you to send two bitcoin in order to unlock something that's not the case i'll never ask for your crypto i'll i'll only ask for your input all right well oh someone drew fryerson said binance academy is a great way to learn so awesome yeah all right so final question since i know we're almost out of time is what are you looking forward to in the space and where do you see the space moving to hiring my next 50 people because they're going to look completely different than the first 30 that we brought in that had legacy experience at robin hood western union traditional banks you know traditional auditing firms and this next generation of folks that are going to come and help build it for us will have just pure passion for defining what crypto is going to mean for america um so i'm absolutely looking forward to continuing to meet the folks that make finance us possible um so raise your hands if you're looking for jobs and i'll tell you the skills that we're looking for and uh and absolutely um you know this is this is a space that has so many opportunities um there regardless of how the world is going i think that's the best part crypto is going to be thriving um so that's that's the exciting factor is get the skills and the curriculum that you're really curious about right now but there's a place for you to build and uh i i don't sleep because i'm so excited all right well thank you so much i was so nice talking to you it was a pleasure and uh feel free i i absolutely get all of um i've copied and pasted all the questions so i can respond back to you guys with them um and then please hit me up on twitter and talk any questions if you're curious about you know the path that you're on or kind of where your thoughts are in crypto how we can be thinking about it in a better way to make sure that america has what they deserve in terms of a crypto platform and an education system in terms of crypto uh we really want to be the most approachable platform there is in digital assets so um always always here uh you can always catch me that's that's kind of my uh my claim to fame trying to be as accessible as possible because this world really needs someone to walk us all through how to make sense of it well you guys are succeeding luck with this coming this coming year and thank you for taking the time to do this thank you everyone for joining today this i think will be on our facebook page if you want to watch again coley's at crypto coley on twitter if you have any questions work out cal blockchain if you have any for us um and thank you and have a great rest of your day wherever you are yeah i'm gonna go uh i have a i have a team call for an hour and then i have a follow-up call on on all the exciting things about what we're gonna be building so um the night's just getting started well you're on the east coast so exactly you guys stay stay safe on the west coast yeah you're you're you're still in uh the best coast so well thank you go bears go bears yeah all right well thank you everyone and see you all next on thursday for our webinar all right thanks