The following transcript was created using artificial intelligence. There will be some grammatical errors below.

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Richard Carthon: Hello, everyone, and welcome to another episode of Crypto Current. Your host here, Richard Carthon, and today have a special guest all the way out in Indonesia. Working on an amazing project with so many amazing tools, we were having a really cool conversation before we even jumped on here. I’m excited to unpack more of this, and I’m excited for you all to learn more about this. We have Julian with equity. How are you doing today?

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Julien Halimi: Richard, good to meet you, man, and it’s a pleasure

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Julien Halimi: to be here.

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Julien Halimi: And yeah, pretty happy to talk to you guys and

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Julien Halimi: say

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Richard Carthon: more about our project. We’ve been working on it for so many years and it’s finally finally coming. The release is in a few weeks, so we’re pretty excited.

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Richard Carthon: That’s exciting, man. Like the fact that you’ve been working on this for years, you probably were starting getting into this at the beginning or the end of the last bull cycle. So you went through the entire bear market, so you just put your head down, build,

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Richard Carthon: build, build and now you’re ready

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Richard Carthon: releases to the

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Richard Carthon: world. And what you

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Richard Carthon: have is is pretty remarkable. But before we dive into that, I want to learn more

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Richard Carthon: about you can give us a little

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Richard Carthon: bit of background on yourself.

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Julien Halimi: So basically,

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Julien Halimi: you know, I left school when I was 19. I went to China to study there. I study on my own until I. Until today, I still have lessons. Every weekend. I was really passionate about languages and I started my own little businesses in China or Indonesia

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Julien Halimi: was more like into

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Julien Halimi: design,

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Julien Halimi: export,

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Julien Halimi: furniture, jewelry, all

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Julien Halimi: kind of stuff. I was sort of flower decorating business so really completely

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Julien Halimi: different than the crypto

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Julien Halimi: world. I was working with other

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Julien Halimi: superyachts on their offensive era, and I was doing some

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Julien Halimi: exports as well in the

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Julien Halimi: Caribbean, Southeast Asia, so it was always

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Julien Halimi: around the place.

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Julien Halimi: And yeah, I mean, you know, it’s just a few years ago, my best

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Julien Halimi: friend

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Julien Halimi: asked me to

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Julien Halimi: join him on this project.

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Julien Halimi: It was his favorite for people.

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Julien Halimi: And today we are in this. In this together, we like 110 employees. And so it

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Julien Halimi: was really coming for I always,

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Julien Halimi: how do you call it, in English like autodidact, you know, when you just teach yourself everything that you do. For example, when I design a restaurant, I just learn to use the use of force to just

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Julien Halimi: get the whole restaurant

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Julien Halimi: I did. And every time there’s a new challenge,

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Julien Halimi: I just jump into it, learn

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Julien Halimi: what I need to learn, and then you learn every day, basically. So you know, you never stop and learn that for this way. That’s how I ended up doing, doing what I do today, man.

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Richard Carthon: Amazing. So you absolutely have a growth mindset.

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Richard Carthon: You go over to China at

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Richard Carthon: the age of 19, serial entrepreneur working on all kinds of projects, from working on super yachts

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Richard Carthon: to

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Richard Carthon: doing flowering business to, you know, all kinds of different

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Richard Carthon: things. But then you learn

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Richard Carthon: and start working with

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Richard Carthon: your business partner,

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Richard Carthon: which is you’re also

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Richard Carthon: your friend and you learn about crypto.

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Richard Carthon: So tell us about what was that first an introduction to crypto and and what pique your interest?

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Richard Carthon: Yeah. So basically, my friend is an engineer.

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Richard Carthon: I worked in studying

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Richard Carthon: Polytech Smart Guy, and

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Richard Carthon: he’s a professional trader and specialist in the algorithm, and he started to

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Richard Carthon: work on these crypto robo advisor a few years ago,

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Richard Carthon: and we

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Richard Carthon: were sending it to me. Julia and I am building this thing.

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Richard Carthon: You know, it’s

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Richard Carthon: going to be amazing. We’re making like three percent

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Richard Carthon: a year and no, no drawdown.

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Richard Carthon: No no volatility. What are you talking about? I don’t know what you’re talking about. And he

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Richard Carthon: basically built this app with one,

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Richard Carthon: you know, engine

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Richard Carthon: programmer.

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Richard Carthon: One of his other friends was an engineer and one designer. Basically, he made this up like three years ago, just the robo advisor itself. But then we come to the conclusion that for me was too geeky.

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Richard Carthon: I didn’t understand, know I

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Richard Carthon: look at the app, and for me, it was just too many numbers

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Richard Carthon: everywhere. And I’m like this and

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Richard Carthon: we need to do something about it. And he realized that, too. So I joined him as a more like a project manager.

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Richard Carthon: And also

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Richard Carthon: it needed a bit of touch of design and

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Richard Carthon: to have the

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Richard Carthon: mindset of someone who was out of this

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Richard Carthon: world, you know? And so

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Richard Carthon: we realized quickly

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Richard Carthon: that the crypto

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Julien Halimi: world, a robo advisor,

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Julien Halimi: was in France. In Europe,

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Julien Halimi: it’s like in the US, you know, when you have

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Julien Halimi: we have all these big Wealthfront, you know, these robo advisors are people

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Julien Halimi: they know they use in France.

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Julien Halimi: It’s not like that. It’s a

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Julien Halimi: niche thing. So this crypto robo was foolish, too geeky,

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Julien Halimi: and we realized really

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Julien Halimi: early that we had to make it a part

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Julien Halimi: of our project and not just the whole thing. And that’s how we ended up

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Julien Halimi: developing where we were developing now. Are we going to

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Julien Halimi: release in a few weeks, which is really

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Richard Carthon: incredible. And like again, we’re going to break this down so that Io one app a wealth of possibilities, so break down what it is and what you’re ultimately trying to accomplish.

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Richard Carthon: So basically, we we we

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Richard Carthon: realized that

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Richard Carthon: I guess if we earlier when we discuss these, just the crypto world, you know, go through all these, you know, these events and you read all these websites and you

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Richard Carthon: realize that most people around

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Richard Carthon: the world, they don’t know anything

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Richard Carthon: about, you know, smart

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Richard Carthon: contracts and DeFi protocols and all that stuff, nobody really

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Richard Carthon: understands what’s behind it. And we made the bet that

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Richard Carthon: that conclusion as well when we did that, the royal

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Richard Carthon: advisor.

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Richard Carthon: And you know, you talked to someone in Argentina, in Denmark, in Australia, and you ask them, what is money for you and how you

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Richard Carthon: deal with money? And they were going to

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Richard Carthon: come up with the same answer say no current accounts, savings accounts. And some of them, they know investment accounts.

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Richard Carthon: And that’s it. And all of those

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Richard Carthon: accounts there are on the bank that

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Richard Carthon: nobody really likes their range.

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Richard Carthon: Somebody loves their bank, you know, but they trust the banks because it’s regulated.

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Richard Carthon: So we have two

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Richard Carthon: things that we

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Richard Carthon: need to to initiate

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Richard Carthon: anguish for people,

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Richard Carthon: something they know

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Richard Carthon: banking platform.

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Richard Carthon: So you see

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Richard Carthon: the likes of Revolut and 2016, you

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Richard Carthon: which become the standard no

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Richard Carthon: notification when you bear, you go abroad, you don’t pay initiation fees and

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Richard Carthon: blah blah blah. So today is a standard.

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Richard Carthon: And the second thing is regulation. If you already if you’re not a regulated platform and people don’t trust you,

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Richard Carthon: crypto is never going to,

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Richard Carthon: you know, it’s never going to take over the world like people think is going to take

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Richard Carthon: the world you need to heavily

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Richard Carthon: regulated. Even if I know a lot of people don’t like that word. And that’s the conclusion we, we we just had. So we started to build online bank.

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Richard Carthon: The difference

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Richard Carthon: with the other online banks is that they have a DNA of

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Richard Carthon: online bank and they have a few

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Richard Carthon: add ons and these are

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Richard Carthon: donziger. You can buy

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Richard Carthon: crypto, you can buy shares sometimes, you know, I call Revolut, for example,

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Richard Carthon: or this. But for us, it’s the opposite. The DNA is wealth is

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Richard Carthon: investment, and the Add-On is the new bank.

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Richard Carthon: So what we wanted to do

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Richard Carthon: is for people’s. We’re using current account savings account investment account. It looks like a modern bank, but your money is working for you. And we added a little twist, of course. So it looks modern in the background of these things that everybody understand.

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Richard Carthon: We plugged the most

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Richard Carthon: avant garde technologies. So what we did on this

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Richard Carthon: platform

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Richard Carthon: is it looks like a modern

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Richard Carthon: new bank.

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Richard Carthon: But the we built some proprietary technology. So first we have an amazing multi route exchange engine.

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Richard Carthon: Basically, what it

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Richard Carthon: means is that any of the assets you

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Richard Carthon: can have on your on your app

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Richard Carthon: can be, says crypto tokenization stage. Of course, there were robo

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Richard Carthon: advisor

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Richard Carthon: and also we have these savings

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Richard Carthon: account plug to

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Richard Carthon: DeFi protocol. With all of these, you can exchange one to

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Richard Carthon: another, you know, like all these websites

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Richard Carthon: saying,

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Richard Carthon: Oh, we have this amount of bears and

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Richard Carthon: we have this in this amount of pairs.

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Richard Carthon: But for us, you can say

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Richard Carthon: directly Tesla shares to gold or to yttrium.

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Richard Carthon: Because we have this,

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Richard Carthon: we we’re going to go through different brokers

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Richard Carthon: and you’re going to optimize

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Richard Carthon: not only the rollout and the fees, but also you can do multi node. So if we do

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Richard Carthon: like, for example, this is the

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Richard Carthon: US dollar through Interactive

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Richard Carthon: Brokers, then

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Richard Carthon: US dollar you. You jump on like maybe four different platforms like Bittrex or hobby

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Richard Carthon: whatnot

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Richard Carthon: transform into USD and then you go through bitcoin before you buy the item and whatnot. So the algorithm just

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Richard Carthon: detects which which is the best route, and this happens in just

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Richard Carthon: one or two seconds.

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Richard Carthon: So you can exchange

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Richard Carthon: whatever you want to, whatever

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Richard Carthon: you want. You don’t need to go through all the different stuff yourself,

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Richard Carthon: you know, with all the fees and different platforms that people use. Most people that have a bank, they have Coinbase, they have Binance. They have like, you know,

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Richard Carthon: whatever platforms

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Richard Carthon: they are. There’s so

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Richard Carthon: many today,

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Richard Carthon: but they have to manually do all these things.

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Richard Carthon: And if they want to use the money, the liquidity

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Richard Carthon: they have to transform into shared and then send this to their bank and

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Richard Carthon: then they can spend it.

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Richard Carthon: So we created this engine so we can exchange everything to anything.

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Richard Carthon: And we plugged into

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Richard Carthon: a payment card with

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Richard Carthon: Visa as we work with Visa. And any means that now you

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Richard Carthon: can have all these assets on your bank

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Richard Carthon: and you can

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Richard Carthon: go to the

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Richard Carthon: restaurant or have your coffee in the

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Richard Carthon: morning and you can choose from which

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Richard Carthon: wallet you’re going to be.

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Richard Carthon: And then the exchange rate automatically happens.

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Richard Carthon: So of course, the the merchant

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Richard Carthon: is going to get euros or US dollars or Indonesian

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Richard Carthon: rupiah.

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Richard Carthon: Then you pay from your bitcoin wallet. So if you want to be a coffee for two euro, an expensive coffee, you just grab these two euros from a bitcoin account. Changes to your visit to Europe, for example. And that’s it. You paid and you just grab the new amount that

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Richard Carthon: you needed from any of the what it’s.

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Richard Carthon: So that’s what we wanted to do to provide the people with a

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Richard Carthon: modern bank where your money is working

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Richard Carthon: for you, the way you decide can be a robo advisor. So notamment those you know, thing to do. You can trade like a pro as well. You can have your savings account. Go to DeFi.

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Richard Carthon: But you can withdraw anytime you want pay with anything you want. So it makes it available and makes it the, you know, liquid.

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Richard Carthon: And we we talk about the earlier like so many people have long

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Richard Carthon: investments or staking and

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Richard Carthon: are making so much money. I made five extending stuff. You didn’t do anything because you haven’t sold it. So basically you can you can buy anything with it.

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Richard Carthon: So, yeah,

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Richard Carthon: it’s a lot of numbers

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Richard Carthon: on your

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Richard Carthon: Crypto.com or Binance account, but you cannot buy a house with it. You know you you just shared with a lot of numbers everywhere.

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Richard Carthon: So we wanted

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Richard Carthon: to

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Richard Carthon: bring it this way make it accessible, make it super easy to use, you know, for example,

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Richard Carthon: our

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Richard Carthon: investment base, when you buy everything,

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Richard Carthon: it looks like Netflix. So Netflix, everybody knows how to use Netflix. You have TV shows, movies super easy to scroll through the different

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Richard Carthon: TV

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Richard Carthon: shows and movies that we replace it with assets.

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Richard Carthon: So you have crypto US share the whole shebang, and then you just choose like a movie that presents introduces the asset. The worry ways bitcoin. What is it doing now? We write their own news as well,

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Richard Carthon: so we’re all news. We don’t just plug to crypto telegraph or whatever.

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Richard Carthon: And like most apps, do you know you’d be 2000 bucks a month? You bring an API and you have other

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Richard Carthon: news from people that we write their own use

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Richard Carthon: and then you make a decision, which I’m going to buy this asset, and that’s it.

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Richard Carthon: Then you just unpacked so much. I need to go back and touch on all of these.

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Richard Carthon: Very yeah. Yeah, it’s a lot of information. Simply.

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Richard Carthon: As simply as you broke all of that down, everyone that’s listening, I’m pretty sure anyone that listened to that could could follow pretty well, which is awesome. Good. Great job with

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Richard Carthon: your pitch because you got a

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Richard Carthon: down pact, but I want to go a step further and say how complex what they’ve been able to accomplish is so in their everyday use case right now, just like you said right now, you’re going to multiple places to be able to

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Richard Carthon: on board from fiat. So for example, for

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Richard Carthon: me in the States, one of my first on boarding things I usually tell people is, you know, you own your Coinbase, you do your KYC, you link your bank account, you do all this stuff.

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Richard Carthon: Now you can take your regular money

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Richard Carthon: and put it on Coinbase. So now that you have your money on Coinbase, you can start purchasing some of these different cryptos. But then if you want to get off of Coinbase to get into some of these other alts or to get on some some sort of Solana ecosystem or avoid some of

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Richard Carthon: these others, you have to start going

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Richard Carthon: to these different bridges. So then you go to start things like Uniswap or 1inch Exchange and all these other stuff to try to get

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Richard Carthon: into these other exchanges.

00:13:00:11 – 00:13:14:16

Richard Carthon: But then also, if you then want to go stake it and do other things, now you have to go to DeFi projects where you go to these other DeFi protocols. So you’re doing multiple multiple steps right now, really at four steps. What’s asked that Io has been able to do with Julian? His team has been able to

00:13:14:18 – 00:13:16:18

Richard Carthon: do is say, nope, you only got to go

00:13:16:20 – 00:13:22:19

Richard Carthon: to one place and you can now do all of these things. And we’re not even talking about regular stocks because this is the one that’s all in my mind right now.

00:13:22:24 – 00:13:23:09

Richard Carthon: So you’re

00:13:23:11 – 00:13:30:24

Richard Carthon: telling me that you can go on to your platform, buy a regular stock like Tesla and say, All right, I like my profits here, and I want to convert this into a

00:13:30:26 – 00:13:33:03

Richard Carthon: theorem. I press a button and then in the

00:13:33:05 – 00:14:03:27

Richard Carthon: background, you’ve already mapped out how you can go to Fiat, then go to Fiat into crypto. Then all the way into theory, I’m it takes a couple of seconds. You pay a certain fee and then it’s done. That is remarkable. That is a very, very, very, very hard problem to solve. No one. It’s taken years to solve it. But the fact that if you’ll have something that is that simple to use is huge. And like, I’m just looking at your website and the UI looks amazing. Just like you said, Netflix, like the the idea that people can come on and immediately understand, like what’s happening in a very user friendly way.

00:14:04:04 – 00:14:05:18

Richard Carthon: And this is this is huge.

00:14:08:09 – 00:14:36:04

Richard Carthon: Hey, cryptocurrency guru, this is Steve Miller and I’m the host of CC Live Show that keeps you up to date with what’s poppin off in crypto in every episode of CSI Live brings you. The latest news keeps you updated on the top projects in decrypts everything you need to know to get ahead in the wild world of Web3. So if you really want to stay cryptocurrency, join Richard, Chris and I every Tuesday and Friday at seven p.m. Eastern, only on YouTube Live. So what are you waiting for? Subscribe to cryptocurrency YouTube channel today and as always, stay cryptocurrency

00:14:39:01 – 00:14:39:16

Richard Carthon: guys.

00:14:40:16 – 00:14:50:12

Julien Halimi: It’s a it’s a massive challenge because it’s basically legal and technical challenge is a lot of legal challenge in there because every time you do something, if you sell crypto news licenses for

00:14:50:14 – 00:14:52:08

Julien Halimi: crypto, if you deal with fear

00:14:52:28 – 00:14:55:18

Julien Halimi: like cyber transfers, you need to. You need the EMI

00:14:55:20 – 00:14:58:02

Julien Halimi: license or banking license if

00:14:58:04 – 00:15:00:09

Julien Halimi: you want to deal with us, says you need a

00:15:00:11 – 00:15:02:15

Julien Halimi: brokerage license and we get all

00:15:02:17 – 00:15:12:24

Julien Halimi: these licenses in Europe, so now we can function. They took us a long time to get all these licenses and we’re going to get more licenses because we’re going to get the crypto license in France and Germany,

00:15:14:10 – 00:15:19:01

Julien Halimi: because now we can basically have the app only for European users. So just to be clear for right now.

00:15:19:15 – 00:15:21:19

Julien Halimi: And and so it was a

00:15:21:21 – 00:15:26:06

Julien Halimi: massive legal change, which is not finished because it’s it’s a big headache, actually the biggest

00:15:26:08 – 00:15:27:20

Julien Halimi: change for us, the technical

00:15:27:22 – 00:15:30:02

Julien Halimi: language, the technical challenge was to plug all these

00:15:30:04 – 00:15:31:15

Julien Halimi: different technologies together,

00:15:31:23 – 00:15:33:06

Julien Halimi: plus our own proprietary

00:15:33:08 – 00:15:34:24

Julien Halimi: technology to the roadways, our

00:15:34:26 – 00:15:35:12

Julien Halimi: technology

00:15:35:22 – 00:15:36:11

Julien Halimi: and a mutual

00:15:36:13 – 00:15:36:28

Julien Halimi: exchange.

00:15:38:08 – 00:15:39:02

Julien Halimi: You know, it’s

00:15:39:07 – 00:15:44:16

Julien Halimi: also our technology. So you have to combine and plug your system to, you know,

00:15:45:19 – 00:15:46:04

Julien Halimi: people

00:15:46:06 – 00:15:47:05

Julien Halimi: subscribe to your app.

00:15:47:27 – 00:15:48:12

Julien Halimi: They go through

00:15:48:14 – 00:15:50:14

Julien Halimi: KYC. Like you said, we used Dallas.

00:15:51:06 – 00:15:52:18

Julien Halimi: We don’t use on, you know, like most

00:15:52:20 – 00:15:53:09

Julien Halimi: companies do,

00:15:53:11 – 00:15:54:21

Julien Halimi: because if you don’t

00:15:54:23 – 00:16:11:06

Julien Halimi: actually know that trade, you know, they they store your data for us, everybody there can access your data. The feedback cent. The answer time is no, it’s amazing. So we work be studies, which is one of the biggest moves in the world and we actually do. You need

00:16:11:11 – 00:16:12:24

Julien Halimi: less clicks than on Revolut

00:16:12:26 – 00:16:13:18

Julien Halimi: to subscribe

00:16:13:20 – 00:16:14:20

Julien Halimi: to our bank?

00:16:15:11 – 00:16:24:08

Julien Halimi: The Turkish super fast. It scans your documents, capture it instantly. Then it scans your face eviction. You don’t even need to press a button. Just captures

00:16:24:10 – 00:16:24:25

Julien Halimi: everything.

00:16:24:27 – 00:16:33:09

Julien Halimi: Extracts everything name so you know all your name, date of birth address just that to validate that. And that’s it. We open you. An account takes like six seconds to

00:16:33:15 – 00:16:34:00

Julien Halimi: need that,

00:16:34:15 – 00:16:35:21

Julien Halimi: and then you have an API number,

00:16:36:00 – 00:16:38:03

Julien Halimi: so you have a bank account. You can do

00:16:38:05 – 00:16:44:02

Richard Carthon: super transfers in 36 countries. And on top of that, you access our metrics page basically

00:16:44:04 – 00:16:48:27

Richard Carthon: where you can purchase cryptocurrencies. About twenty five, because we don’t want

00:16:49:03 – 00:16:50:11

Richard Carthon: people to have like 400.

00:16:51:00 – 00:16:51:20

Richard Carthon: We just we just

00:16:51:22 – 00:16:55:22

Richard Carthon: said, take them. And like I said, the first release of the

00:16:55:24 – 00:17:00:00

Richard Carthon: equity before Christmas, and it would be basically this the the

00:17:00:02 – 00:17:01:04

Richard Carthon: version one of the

00:17:01:06 – 00:17:04:15

Richard Carthon: multi multi wealth engine. Extensions in

00:17:04:22 – 00:17:10:00

Richard Carthon: cryptocurrencies and cyber transfers, and we also created these savings accounts,

00:17:10:02 – 00:17:11:12

Richard Carthon: these votes, so basically

00:17:11:14 – 00:17:14:15

Richard Carthon: can look like these modern savings account you can share

00:17:14:17 – 00:17:16:11

Richard Carthon: with people, you know, take

00:17:16:13 – 00:17:16:28

Richard Carthon: the picture

00:17:17:00 – 00:17:17:17

Richard Carthon: and name it,

00:17:18:24 – 00:17:19:26

Richard Carthon: know, choose an object,

00:17:19:28 – 00:17:20:21

Richard Carthon: a goal

00:17:22:01 – 00:17:35:03

Richard Carthon: and then basically we plug this to a protocol. So you put money in there. It’s just transform into us. It generates interest every single day and then you can withdraw anytime you want. You can or so you will also be able to be with it.

00:17:35:05 – 00:17:36:29

Richard Carthon: So that’s the next step after their press release.

00:17:37:12 – 00:17:44:01

Richard Carthon: And Mars is going to be the big release with the robo advisor. The US shares ETFs and of course, the payment card, as we call it,

00:17:44:03 – 00:17:47:15

Richard Carthon: the wealth card. Because you can basically, you know, how we do and

00:17:47:17 – 00:17:54:21

Richard Carthon: we will riches everybody. Was there a how many millions you need you think you need and then you should make four percent a year, then you’re set for life. You know, we all

00:17:55:01 – 00:17:55:24

Richard Carthon: had this dream,

00:17:56:17 – 00:18:02:26

Richard Carthon: but now we even if you make two or three or four thousand bucks a month, you get this money generating interest every single

00:18:02:28 – 00:18:04:09

Richard Carthon: day because you just put everything

00:18:04:11 – 00:18:07:17

Richard Carthon: in your savings account or on the device. If you don’t want to trade, you know,

00:18:08:22 – 00:18:09:07

Richard Carthon: they

00:18:09:09 – 00:18:11:27

Richard Carthon: looks like an amazing so you can spend from it. So basically,

00:18:11:29 – 00:18:13:21

Richard Carthon: you can just spend your interests.

00:18:14:01 – 00:18:20:18

Richard Carthon: You even need to touch or you know, you’re going to generate interest every day with aviation, with ADT on their website, everybody can go on it.

00:18:21:02 – 00:18:21:17

Richard Carthon: Even during

00:18:21:19 – 00:18:22:04

Richard Carthon: the market

00:18:22:06 – 00:18:22:27

Richard Carthon: crash, it was

00:18:22:29 – 00:18:30:12

Richard Carthon: 2.5 percent if you were, which is anything from your savings account in any centralized bank that gives you that nowhere

00:18:30:14 – 00:18:34:14

Richard Carthon: and nowhere. The fact that I want to re-emphasize this major point right

00:18:34:16 – 00:18:35:21

Richard Carthon: now, and I think it’s the

00:18:36:06 – 00:18:39:23

Richard Carthon: the biggest challenge that central banks are eventually going to have to

00:18:39:25 – 00:18:41:10

Richard Carthon: cave to. And the more

00:18:41:12 – 00:18:54:06

Richard Carthon: companies that can jump on this right now, you can’t get interest rates basically above one percent. If you get one percent, you’ve crushed it in your savings account or less, but you’re generally getting less than that. Like in the states, it’s zero point zero one percent. It’s ridiculous.

00:18:54:08 – 00:18:56:24

Richard Carthon: And the money is locked for 365 days yet.

00:18:57:03 – 00:19:10:18

Richard Carthon: Yeah, and but if you look at a place like this where you can tell me you’re getting anywhere from four to 10 percent of your money making money, you really can create a steady stream of income for yourself or your money works for itself.

00:19:10:20 – 00:19:11:21

Richard Carthon: And you’re not really

00:19:11:23 – 00:19:13:02

Richard Carthon: having to do a whole lot like you’re

00:19:13:04 – 00:19:14:24

Richard Carthon: creating a whole ‘nother revenue

00:19:14:26 – 00:19:15:11

Richard Carthon: stream

00:19:15:13 – 00:19:16:20

Richard Carthon: for people that they didn’t even

00:19:16:22 – 00:19:20:22

Richard Carthon: know that they need it. And as soon as they realize that this thing is going to just catch fire,

00:19:21:21 – 00:19:29:22

Richard Carthon: yeah, it’s it’s, you know, some people don’t. Even at the beginning, we were like, Hey, you can be your coffee with the sessions, but everybody was like, Whoa, why should I care about this?

00:19:30:02 – 00:19:30:21

Richard Carthon: Because people don’t

00:19:30:23 – 00:19:35:21

Richard Carthon: even realize yet how big it is. You know, when Steve Jobs I don’t compare myself to see job is just to be clear.

00:19:36:01 – 00:19:36:16

Richard Carthon: But when Steve

00:19:36:18 – 00:19:41:28

Richard Carthon: Jobs announced the iPhone, he had to repeat three times on this. You know, nobody applauded.

00:19:42:03 – 00:19:45:04

Richard Carthon: It was like, Guys, you have emails, the phone and music

00:19:45:06 – 00:19:53:19

Richard Carthon: on one thing, and nobody reacted, So what? And he repeated it and like, Wow, OK, it’s amazing, you know, so it would take time,

00:19:54:07 – 00:19:55:23

Richard Carthon: but you just basically

00:19:55:25 – 00:20:01:19

Richard Carthon: can spend money where he’s working for you. So you make current account obsolete, because what’s the point of having thousands

00:20:01:21 – 00:20:03:03

Richard Carthon: of euros on a downloads, just

00:20:03:05 – 00:20:03:20

Richard Carthon: losing money?

00:20:04:07 – 00:20:05:06

Richard Carthon: But he was inflation.

00:20:05:27 – 00:20:08:29

Richard Carthon: The way put, you can put all this money in the savings account,

00:20:09:09 – 00:20:11:07

Richard Carthon: you know, backed by the most transparent and

00:20:11:13 – 00:20:16:01

Richard Carthon: open DeFi protocol in the world. And then you can also put in the robo or just

00:20:16:03 – 00:20:17:13

Richard Carthon: forget about it, and then you can

00:20:17:15 – 00:20:18:00

Richard Carthon: spend directly

00:20:18:02 – 00:20:20:28

Richard Carthon: from it. So I mean, I just think we’re

00:20:21:00 – 00:20:21:15

Richard Carthon: building this

00:20:21:17 – 00:20:23:05

Richard Carthon: up for us where we everybody

00:20:23:07 – 00:20:24:15

Richard Carthon: in the company is so excited because

00:20:24:17 – 00:20:26:01

Richard Carthon: we we all have different

00:20:26:03 – 00:20:35:25

Richard Carthon: wallets everywhere. We all have at least five or six different apps and we territory, you know, have the end of my mental thing with Revolut. They get the Binance, they get companies everything that is the one to have all this.

00:20:35:27 – 00:20:38:24

Richard Carthon: So as soon as it’s ready and I can withdraw

00:20:38:26 – 00:20:44:23

Richard Carthon: my crypto from other platform and put it in my in my act today or whatever, and then I can just manage

00:20:44:25 – 00:20:46:09

Richard Carthon: everything directly

00:20:46:11 – 00:20:52:04

Richard Carthon: from my made. They seem to think that. And yeah, I just can’t wait to be honest. This is really

00:20:52:18 – 00:20:53:03

Richard Carthon: I just can’t

00:20:53:05 – 00:20:53:20

Richard Carthon: wait for it to

00:20:54:03 – 00:20:56:17

Richard Carthon: arrive and is going to be the presumption is going to be

00:20:56:21 – 00:21:00:18

Richard Carthon: in a few weeks and by end of March is going to be amazing. And by the summer,

00:21:01:00 – 00:21:03:09

Richard Carthon: we’re going to add all the, you know, the marketing

00:21:05:08 – 00:21:07:11

Richard Carthon: add ons like fast track at the

00:21:07:13 – 00:21:08:27

Richard Carthon: airport, the insurances, all

00:21:08:29 – 00:21:10:10

Richard Carthon: that stuff, mostly

00:21:10:12 – 00:21:12:18

Richard Carthon: in this coffee terminal to allow people to feel a

00:21:13:00 – 00:21:13:21

Richard Carthon: bit special.

00:21:13:27 – 00:21:16:09

Richard Carthon: You know how people like to have the smart glasses?

00:21:16:21 – 00:21:17:20

Richard Carthon: They are the smart thing.

00:21:18:29 – 00:21:20:00

Richard Carthon: That’s what we call it act

00:21:20:02 – 00:21:22:00

Richard Carthon: as well, because we want to push people

00:21:22:17 – 00:21:25:18

Richard Carthon: that people already have ambition. People are already working hard every day

00:21:26:00 – 00:21:27:20

Richard Carthon: to tell them, Listen, you think

00:21:27:22 – 00:21:32:17

Richard Carthon: you think wealth management is only for the big boys out there for probably banking something and nobody can access

00:21:32:19 – 00:21:34:07

Richard Carthon: to know you can have everything

00:21:34:09 – 00:21:37:27

Richard Carthon: on one of the robo advisor you’re going to have. Like the news, we we write

00:21:37:29 – 00:21:38:17

Richard Carthon: ourselves

00:21:39:03 – 00:21:43:07

Richard Carthon: everything and you know, you’re going to have that feeling when you know, when you walk

00:21:43:09 – 00:21:44:15

Richard Carthon: in an airport and you have this

00:21:44:17 – 00:21:49:21

Richard Carthon: $20 plane ticket to go to nearby and you go to the international

00:21:50:12 – 00:21:50:29

Richard Carthon: terminal

00:21:51:01 – 00:21:57:19

Richard Carthon: and you feel special because you have like this amazing restaurant, duty free, beautiful photos, the lounge area. And even if you all these twenty

00:21:57:21 – 00:21:59:25

Richard Carthon: thousand twenty dollar ticket, you feel special,

00:22:00:00 – 00:22:02:16

Richard Carthon: you feel you’re smarter than people because you’re surrounded by this

00:22:02:18 – 00:22:03:11

Richard Carthon: thing. And as?

00:22:03:14 – 00:22:07:05

Richard Carthon: If any, we want people to have sold, the cars were designed with Visa. They’re amazing.

00:22:09:03 – 00:22:11:27

Richard Carthon: We send you a picture of this. The sample we receive from the the

00:22:11:29 – 00:22:14:01

Richard Carthon: metal card we have, we have

00:22:14:03 – 00:22:20:04

Richard Carthon: different memberships. There’s a one, of course, when you don’t need to pay anything. One more like more premium. We got world

00:22:20:15 – 00:22:22:00

Richard Carthon: and money needs. We got lots of

00:22:22:02 – 00:22:24:03

Richard Carthon: people, you know, they 50000 Europe

00:22:24:05 – 00:22:25:16

Richard Carthon: going in and

00:22:25:18 – 00:22:29:24

Richard Carthon: they have an amazing story. Their own wealth manager, a hybrid

00:22:29:26 – 00:22:31:09

Richard Carthon: robot, missing crypto

00:22:31:11 – 00:22:31:26

Richard Carthon: and

00:22:31:28 – 00:22:35:22

Richard Carthon: traditional market like lots of amazing stuff. And yeah,

00:22:35:24 – 00:22:38:08

Richard Carthon: so it’s a big adventure. And also we haven’t

00:22:38:10 – 00:22:39:25

Richard Carthon: even talked about a big deal in the middle

00:22:39:27 – 00:22:40:22

Richard Carthon: of our IPO.

00:22:42:16 – 00:22:44:19

Richard Carthon: So, yeah, let’s let’s touch on that for a second.

00:22:44:21 – 00:22:46:21

Richard Carthon: I mean, so again, you have a lot in the pipeline.

00:22:46:23 – 00:22:52:24

Richard Carthon: A lot of amazing things come in three different tiers that people can sign up for this. But you also in the middle of an ICL. So tell us a little bit more about that.

00:22:53:17 – 00:23:02:02

Richard Carthon: Yeah, I mean, we are going to read are going normally in March is going to be on our app and on. One of the major exchanges should be should we be

00:23:02:04 – 00:23:04:06

Richard Carthon: traced, but we will see

00:23:04:08 – 00:23:05:14

Richard Carthon: we would tell you guys are really

00:23:05:16 – 00:23:07:05

Richard Carthon: soon with

00:23:07:07 – 00:23:20:17

Richard Carthon: the coin is made on the blockchain, why there are because it’s the fastest and greenest blockchain out there. And they announced a partnership a few weeks earlier on their foundation in social media.

00:23:20:29 – 00:23:21:22

Richard Carthon: So that’s amazing.

00:23:22:03 – 00:23:30:22

Richard Carthon: And we we raised already more than 70 million euros and I’ve got this 27 million. But we launched a public sale

00:23:31:03 – 00:23:31:18

Richard Carthon: Monday,

00:23:32:03 – 00:23:36:08

Richard Carthon: and on the first day we had like 3000 people subscribing

00:23:36:10 – 00:23:37:20

Richard Carthon: and about three million in

00:23:37:22 – 00:23:44:18

Richard Carthon: pending payment in one day. Like in the past, it took us one year, two years ago to raise 1.4 million.

00:23:45:03 – 00:23:49:08

Richard Carthon: And now we, we we believe it’s marketing because to be honest with you, we

00:23:49:10 – 00:23:51:11

Richard Carthon: more like product oriented. We’re not

00:23:51:13 – 00:23:52:29

Richard Carthon: really marketers. We didn’t come

00:23:53:01 – 00:24:00:16

Richard Carthon: up with this big marketing idea, and let’s find the engineers to make it. We first that the engineers wanted to make something and then we had to find a market.

00:24:01:06 – 00:24:03:13

Richard Carthon: So it’s really organic. It’s it’s it’s

00:24:03:15 – 00:24:11:27

Richard Carthon: it’s it’s really amazing. Of course, we’re making progress as marketing is going to. We’re going to have great videos. Great, that looks great as well. I mean,

00:24:11:29 – 00:24:13:15

Richard Carthon: people we already have feedback

00:24:13:17 – 00:24:15:29

Richard Carthon: from are a better life product

00:24:16:17 – 00:24:18:20

Richard Carthon: for the last four months.

00:24:19:10 – 00:24:21:00

Richard Carthon: And the point is

00:24:21:20 – 00:24:22:16

Richard Carthon: we are in the middle

00:24:22:18 – 00:24:26:08

Richard Carthon: of the public sale, so basically is going to be live at the price of one euro

00:24:26:10 – 00:24:27:16

Richard Carthon: in March. And now

00:24:27:18 – 00:24:29:20

Richard Carthon: we we used to sell it in different pre-sales for

00:24:29:22 – 00:24:30:26

Richard Carthon: cheaper, you know, 50

00:24:30:28 – 00:24:33:08

Richard Carthon: cent and 89 cent, and now we get to one

00:24:33:10 – 00:24:34:17

Richard Carthon: year of the sale.

00:24:34:29 – 00:24:47:01

Richard Carthon: So it’s like, I think, seven million left in it because it’s only been 24 hours that we take the numbers. But I think it’s more like six million something now. And what I saw, lots of people can participate.

00:24:48:18 – 00:24:53:13

Richard Carthon: And yeah, we’re pretty proud because I think in one week is going to be is going to have to be done.

00:24:53:25 – 00:24:54:13

Richard Carthon: We have we

00:24:54:15 – 00:24:55:24

Richard Carthon: we have raised all the money we

00:24:55:26 – 00:24:59:03

Richard Carthon: need to be, you know, good for the next year or two.

00:24:59:17 – 00:25:10:02

Richard Carthon: And because, yeah, we hiring so many people. We started the project. We are five people that we won and then we plan to be 100 by Christmas, but we actually already more than 110.

00:25:10:04 – 00:25:11:03

Richard Carthon: So it’s pretty

00:25:11:05 – 00:25:18:28

Richard Carthon: crazy. We have our offices in France. The customer support is in France. Also in Ireland, we have the legal team is in the UK, Ireland and France.

00:25:19:00 – 00:25:20:07

Richard Carthon: We have marketing

00:25:20:09 – 00:25:26:00

Richard Carthon: people in Paris and also some people in Berlin. We opening an office there. So the company is visiting France,

00:25:26:02 – 00:25:27:18

Richard Carthon: UK, Ireland, Germany.

00:25:27:20 – 00:25:42:04

Richard Carthon: We are opening a new office in Dubai as well. So the developer, the you know, the the growth is just for me. I still don’t realize it. And when you work so hard, you just you just, you know, don’t you don’t like, we’ve seen French.

00:25:42:06 – 00:25:43:15

Richard Carthon: You just, yeah, you’re

00:25:43:17 – 00:25:49:16

Richard Carthon: in your thing and you don’t realize what’s going on. I talk with Visa and I talk with a vision and you talk with the big partnerships

00:25:49:18 – 00:25:51:00

Richard Carthon: and these big

00:25:51:02 – 00:25:55:01

Richard Carthon: groups go calling you because they want to partner with you because they know what they’re going to maybe

00:25:55:03 – 00:25:56:13

Richard Carthon: have, like hundreds of

00:25:56:15 – 00:26:02:18

Richard Carthon: thousands of users that you might bring to them, you know? So it’s it’s really crazy what’s going on, to be honest. It’s it’s

00:26:02:20 – 00:26:04:05

Richard Carthon: amazing. Sometimes you need to take some

00:26:04:07 – 00:26:07:13

Richard Carthon: time and just look what is happening because

00:26:07:27 – 00:26:09:00

Richard Carthon: yeah, exactly.

00:26:09:10 – 00:26:17:27

Richard Carthon: Yeah, because there’s there’s a lot of awesome things that you’re building in channel to buy. So we actually had Dr. Lehman on the show a while back, and I’ve always been impressed by them in the

00:26:17:29 – 00:26:19:13

Richard Carthon: fact that you’re one of the few that

00:26:19:15 – 00:26:20:12

Richard Carthon: are being able to build

00:26:20:14 – 00:26:21:29

Richard Carthon: on top of it says enough for me.

00:26:22:01 – 00:26:23:25

Richard Carthon: There’s there’s nothing else I need to know at that point

00:26:24:01 – 00:26:25:10

Richard Carthon: because, yeah, they give us a

00:26:25:12 – 00:26:28:12

Richard Carthon: great grant that, yeah, they talk about it, they give us the

00:26:28:14 – 00:26:29:26

Richard Carthon: biggest grant they ever give in

00:26:29:28 – 00:26:38:12

Richard Carthon: to any of the projects they collaborate with. So it’s they announce it so I can talk about. But for most, we couldn’t. We couldn’t talk about it. We had to wait

00:26:38:14 – 00:26:40:03

Richard Carthon: for them and now we so

00:26:40:07 – 00:26:43:13

Richard Carthon: we’re so happy. So it’s it’s it’s amazing.

00:26:43:15 – 00:26:45:00

Richard Carthon: So what is going

00:26:45:02 – 00:26:45:27

Richard Carthon: to come step-by-step?

00:26:47:29 – 00:26:48:27

Richard Carthon: And the website is going to

00:26:48:29 – 00:26:49:14

Richard Carthon: look better

00:26:49:16 – 00:26:50:25

Richard Carthon: and better before

00:26:50:27 – 00:26:52:05

Richard Carthon: the 15th of December

00:26:52:17 – 00:26:53:15

Richard Carthon: is going to

00:26:53:17 – 00:26:59:02

Richard Carthon: be going over. More and more information about the wealth hub and the wells bodes well. So because our exchange engine,

00:26:59:09 – 00:27:01:17

Richard Carthon: the wells, both the global

00:27:01:26 – 00:27:03:12

Richard Carthon: and the worst cars, that of course, they’re going

00:27:03:14 – 00:27:05:05

Richard Carthon: to have all this information

00:27:06:09 – 00:27:15:04

Richard Carthon: in doing this month. And then we’re going to publish more about the different memberships and things like that before Jan.. And. So that’s going to be like

00:27:15:06 – 00:27:16:24

Richard Carthon: before Christmas and then

00:27:16:26 – 00:27:18:08

Richard Carthon: we’re going to keep adding stuff on it.

00:27:18:20 – 00:27:20:15

Richard Carthon: And much more simple is going to

00:27:20:17 – 00:27:21:05

Richard Carthon: be

00:27:22:08 – 00:27:24:21

Richard Carthon: the big, you know, when a mistake is changing

00:27:24:23 – 00:27:25:15

Richard Carthon: skin and then you

00:27:25:17 – 00:27:26:06

Richard Carthon: get to that

00:27:27:01 – 00:27:33:15

Richard Carthon: adulthood, the, you know, when you get we the the the stuff you’ve been working on for years, just so you know, to design a

00:27:33:17 – 00:27:34:20

Richard Carthon: card with Visa

00:27:35:05 – 00:27:36:21

Richard Carthon: and just to find a partnership with

00:27:36:23 – 00:27:38:09

Richard Carthon: these guys, it just takes it takes

00:27:38:11 – 00:27:43:25

Richard Carthon: a year, you know, basically takes more than a year and a half, you know? And just so you guys know, we

00:27:43:27 – 00:27:45:05

Richard Carthon: don’t we’re not going to stop at

00:27:46:01 – 00:27:47:00

Richard Carthon: just doing an app

00:27:47:02 – 00:27:50:00

Richard Carthon: of welfare, which is the main product, no, we’re asking for

00:27:50:02 – 00:27:51:01

Richard Carthon: the banking license

00:27:51:03 – 00:27:52:15

Richard Carthon: in France. So we’re going to be

00:27:52:17 – 00:27:55:22

Richard Carthon: a real bank by 2023, like Solicitor General BMV,

00:27:56:09 – 00:27:56:29

Richard Carthon: and because

00:27:57:01 – 00:28:10:18

Richard Carthon: we want to disrupt the banking system from the court. That’s what we want to do. Basically, we’re not just here to have a great app set into Coinbase in the year for one billion and disappear. We don’t want to do that. We we we’re not going to sell, first of all, and then we’re just

00:28:10:20 – 00:28:15:04

Richard Carthon: going to we’re just going to keep working for the next few years and

00:28:15:11 – 00:28:16:18

Richard Carthon: we have great ambitions and we

00:28:16:20 – 00:28:21:04

Richard Carthon: had error. The amazing thing was they there are they can help us. I don’t know if you, but

00:28:21:06 – 00:28:23:12

Richard Carthon: if you heard about WeChat in China, how

00:28:23:14 – 00:28:24:01

Richard Carthon: people pay

00:28:25:05 – 00:28:28:07

Richard Carthon: is ten cents, does that? I lived there for four years, so we

00:28:28:09 – 00:28:29:10

Richard Carthon: were being withdrawal

00:28:29:12 – 00:28:41:14

Richard Carthon: codes already more than 10 years ago. And you go back to France and people still using like, you know, coins on a table, you would have euro and you put money on the table. But in China is just other phones are linked to the waitress,

00:28:42:09 – 00:28:43:10

Richard Carthon: which are the new Greek

00:28:43:12 – 00:28:44:06

Richard Carthon: and you pay. That’s it.

00:28:44:22 – 00:28:45:17

Richard Carthon: What we want to do

00:28:45:19 – 00:28:49:19

Richard Carthon: using our exchange engine. Work with all the different

00:28:50:03 – 00:28:52:06

Richard Carthon: businesses, for example, you have a shoe

00:28:52:08 – 00:28:52:29

Richard Carthon: shop or whatever

00:28:53:01 – 00:28:55:12

Richard Carthon: restaurant and you when people come

00:28:55:14 – 00:29:04:12

Richard Carthon: to pay you just to beat your code and using our exchange, you’re going to receive euros. But you are. The users can come and use everything there is to pay with whatever they want.

00:29:04:26 – 00:29:05:27

Richard Carthon: OK. Because if we do

00:29:05:29 – 00:29:07:09

Richard Carthon: the order, they’re rooting

00:29:08:05 – 00:29:09:28

Richard Carthon: for them. So because

00:29:10:00 – 00:29:11:09

Richard Carthon: you know, everybody is waiting for new

00:29:11:11 – 00:29:13:03

Richard Carthon: utilities, for Dogecoin,

00:29:13:05 – 00:29:13:28

Richard Carthon: for whatever so their

00:29:14:00 – 00:29:18:25

Richard Carthon: value can go up. But you can take a shortcut and use that way. The beauty about the exchange,

00:29:19:09 – 00:29:21:21

Richard Carthon: even if the coin doesn’t have any utility you make it.

00:29:22:08 – 00:29:23:14

Richard Carthon: You just do this.

00:29:23:16 – 00:29:24:28

Richard Carthon: Making yourself look cool

00:29:25:13 – 00:29:27:06

Richard Carthon: is going to be an exchange, of course,

00:29:27:09 – 00:29:29:12

Richard Carthon: but it happens automatically in in two

00:29:29:14 – 00:29:31:05

Richard Carthon: seconds. You can use it to pay.

00:29:31:16 – 00:29:39:11

Richard Carthon: So it’s amazing. You have to wait for each going to invent their own utility and be accepted in businesses and stuff. So you can very early, super easy to just

00:29:40:02 – 00:29:40:22

Richard Carthon: say anybody

00:29:40:24 – 00:29:41:10

Richard Carthon: with whatever

00:29:41:12 – 00:29:41:27

Richard Carthon: you own.

00:29:41:29 – 00:29:57:17

Richard Carthon: So that was our that was a big change. Really make money. You know what you wanted to be? I don’t trust yet. Many people don’t trust it anymore. With COVID, they print $7 billion.

00:29:57:19 – 00:30:00:23

Richard Carthon: Like this? You work hard every day. They ask

00:30:00:25 – 00:30:02:02

Richard Carthon: you for super high

00:30:02:04 – 00:30:06:01

Richard Carthon: interest rates. I mean, not anymore, but to buy more of your mortgage and stuff.

00:30:06:21 – 00:30:32:02

Richard Carthon: They just keep printing money and printing and printing and people. In what ways is going? So let me transfer my money into gold bitcoin. You mix it the way you are and you buy whatever you want. We’re even going to tokenized relay states. Some small project beginning with a U.S. so we can invest in this and you can buy a piece of the building in Manhattan in the future. Within Easy, you buy 10 year of the Empire State Building or whatever that would be, it would be sick. Everybody would like to

00:30:32:04 – 00:30:35:07

Richard Carthon: jump on that. So we there’s a lot to do. There’s a note to

00:30:35:09 – 00:30:37:00

Richard Carthon: the this is just the just the beginning.

00:30:37:18 – 00:30:44:10

Richard Carthon: You’re just setting the foundation man and it’s a strong foundation to have. Again, I’m excited that all of this is launching really soon.

00:30:44:16 – 00:30:45:18

Richard Carthon: Everyone listening, of course.

00:30:45:20 – 00:31:22:16

Richard Carthon: You know, you can get in today, so you can be one their first users and especially as it expands. Man, like, I’m excited I can’t wait for hopefully the day that U.S. citizens can get involved because I know a ton of people that would jump all over this the second that happens. But I know a lot of people internationally who listen to our show are probably going to be very eager to be joining this platform as well. But man, you’ve dropped a lot of great knowledge on us. I think you have an amazing roadmap, but as we kind of wrap up your men, there’s two fun questions I always like to wrap up with the first being with all of the information that you’ve learned right now with with all the information you’ve been able to take over the years.

00:31:22:18 – 00:31:23:17

Richard Carthon: If you go back to yourself

00:31:23:19 – 00:31:25:01

Richard Carthon: and in part one or two pieces

00:31:25:03 – 00:31:28:21

Richard Carthon: of wisdom, when you first got started building this out, what would you tell yourself?

00:31:30:20 – 00:31:34:19

Richard Carthon: Well, I mean, there’s a lot of things we realize now, of course, that we would have done differently.

00:31:35:14 – 00:31:36:09

Richard Carthon: First of all,

00:31:37:28 – 00:31:39:00

Richard Carthon: basically if I

00:31:39:02 – 00:31:41:25

Richard Carthon: was going to say find a great city of two

00:31:43:24 – 00:31:48:06

Richard Carthon: and really great city with a great head of compliance straight from the beginning

00:31:49:06 – 00:31:50:01

Richard Carthon: and also

00:31:50:03 – 00:31:50:29

Richard Carthon: think a lot about

00:31:51:24 – 00:31:53:03

Richard Carthon: the US.

00:31:53:07 – 00:31:58:14

Richard Carthon: And what I mean is I just really think, how are you going to

00:31:59:25 – 00:32:04:23

Richard Carthon: have a lot of empathy? Are people going to? Be seeing your know

00:32:05:17 – 00:32:06:12

Richard Carthon: when I download cricket

00:32:06:14 – 00:32:06:29

Richard Carthon: of.

00:32:07:21 – 00:32:12:10

Richard Carthon: Yeah, you realize it’s so hard, people download it because they know they have to buy something, but they don’t,

00:32:12:17 – 00:32:16:06

Richard Carthon: they don’t like it, you know? So the thing is really straight from

00:32:16:08 – 00:32:18:29

Richard Carthon: the beginning, finish all the design

00:32:19:06 – 00:32:21:07

Richard Carthon: of the whole thing. Before you start

00:32:21:17 – 00:32:22:10

Richard Carthon: developing

00:32:22:19 – 00:32:24:07

Richard Carthon: and develop with the best things

00:32:24:09 – 00:32:26:20

Richard Carthon: you can say, you just don’t need like a whole team of three

00:32:26:22 – 00:32:27:07

Richard Carthon: people.

00:32:27:09 – 00:32:29:09

Richard Carthon: Just get the right

00:32:29:18 – 00:32:31:02

Richard Carthon: person and

00:32:32:18 – 00:32:44:25

Richard Carthon: it just goes through the right steps. OK, so be really strong legally. Really, really strong about licenses and stuff. Have a great UX. Great. Great as you as you can ever give

00:32:44:27 – 00:32:46:06

Richard Carthon: back hire UX

00:32:46:08 – 00:32:46:29

Richard Carthon: researchers

00:32:47:01 – 00:32:48:10

Richard Carthon: hire like guys with

00:32:48:21 – 00:32:50:24

Richard Carthon: PhDs in cognitive science like we did that

00:32:51:14 – 00:32:54:01

Richard Carthon: you need just not. You just won’t do it

00:32:54:03 – 00:32:54:18

Richard Carthon: just with

00:32:54:20 – 00:32:57:05

Richard Carthon: designers. UI is not going to be enough.

00:32:57:07 – 00:33:11:04

Richard Carthon: You need like guys who think and have the empathy in science they they show you this is how they’re going to react to what you do. And if you go to the right steps and you work 12 15 hours a day for the next three years, yes, you might be able to,

00:33:12:01 – 00:33:13:10

Richard Carthon: to be honest with you.

00:33:13:16 – 00:33:16:00

Richard Carthon: Even today, I talk to my is my best friend. This is

00:33:16:03 – 00:33:17:21

Richard Carthon: the guy I grew up with, and

00:33:18:15 – 00:33:20:00

Richard Carthon: we told each other, honestly,

00:33:20:02 – 00:33:21:18

Richard Carthon: it’s impossible. It’s really mission

00:33:21:20 – 00:33:22:19

Richard Carthon: impossible to make

00:33:22:21 – 00:33:25:02

Richard Carthon: something like that, to be honest with you. We just even

00:33:25:04 – 00:33:29:18

Richard Carthon: know how we got to where we are now, because there were so many moments where we thought we

00:33:29:20 – 00:33:31:05

Richard Carthon: were gonna be like, Okay, there’s no

00:33:31:07 – 00:33:34:22

Richard Carthon: way we’re going to make it. It’s really, really looks impossible, but you have to

00:33:35:15 – 00:33:37:12

Richard Carthon: keep grinding and learn, and

00:33:37:14 – 00:33:46:18

Richard Carthon: that’s a good thing to start. That’s because you fail quickly and you learn quickly and you move on. And if you ask somebody, like, how did you succeed so well, then they’re going

00:33:46:20 – 00:33:48:04

Richard Carthon: to tell you will get because I failed.

00:33:48:06 – 00:33:48:28

Richard Carthon: So many does.

00:33:49:27 – 00:33:50:17

Richard Carthon: I know it sounds

00:33:50:19 – 00:33:52:13

Richard Carthon: cliché, but you need to fail, fail,

00:33:52:15 – 00:33:54:05

Richard Carthon: fail, fail. So you have to learn

00:33:54:13 – 00:34:01:01

Richard Carthon: from your mistakes. If you keep repeating the same mistakes, you can fail for 50 years. Nothing’s going to happen. Yeah, that

00:34:01:03 – 00:34:07:03

Richard Carthon: is a great, great thought. So a couple of things again to repack back to everyone that just listened.

00:34:07:11 – 00:34:08:16

Richard Carthon: Make sure you get a

00:34:08:18 – 00:34:13:13

Richard Carthon: really good CTO. Spend the time doing it. User experience the UX and the UI user interface.

00:34:13:21 – 00:34:15:25

Richard Carthon: Higher top notch people who

00:34:15:26 – 00:34:39:10

Richard Carthon: truly are going to help you have the understanding of the and the legal team, legal team and compliance. So you have those three core things right there. Um, you have a chance to make it because it’s going to be a lot of hurdles in the way, but you could persevere. You learn fast and you just keep grinding ahead and you come out on the other side with a whole lot of possibility.

00:34:39:12 – 00:34:41:05

Richard Carthon: And that’s what excites me about

00:34:41:15 – 00:35:00:17

Richard Carthon: act right now is that there’s so much in front of you, especially because you solved one of the hardest, absolute, hardest challenges for mass adoption. When I talk about mass adoption forever and a day. It’s almost like you’ve taken all of those hardest elements and said, Here’s how we fix all of them and put them into one location.

00:35:00:19 – 00:35:01:23

Richard Carthon: And like, that’s where I’m

00:35:02:00 – 00:35:03:19

Richard Carthon: the most excited about this, and I’ve

00:35:03:21 – 00:35:04:22

Richard Carthon: been on a conversation

00:35:04:24 – 00:35:05:09

Richard Carthon: a long time

00:35:05:11 – 00:35:06:17

Richard Carthon: because you all have

00:35:06:19 – 00:35:15:06

Richard Carthon: gone and attacked head on the biggest hurdles for newbies coming into this space. And I found other ways to like, keep modernizing and

00:35:15:08 – 00:35:16:18

Richard Carthon: making this even simpler.

00:35:16:20 – 00:35:21:12

Richard Carthon: So I know I’m personally going to be continue to watch this journey. And again, I I’m

00:35:21:14 – 00:35:22:28

Richard Carthon: excited to see how this thing

00:35:23:00 – 00:35:33:04

Richard Carthon: launches and what it turns into man, because again, this is this is something special. But as we wrap up here, what is a final thought that you want to leave with all the listeners here today?

00:35:35:08 – 00:35:36:27

Richard Carthon: Well, the final thought is that,

00:35:38:13 – 00:35:48:05

Richard Carthon: you know, it’s actually better when you don’t come from an industry sort of disrupted because people who grew up in finance, they’re never going to be able to disrupt it,

00:35:48:10 – 00:35:48:28

Richard Carthon: you know, like

00:35:49:27 – 00:35:59:17

Richard Carthon: it’s like, you know, in the US and the educational system is that you want to change it because you’re stuck with your student loan, you become you have to go

00:35:59:19 – 00:36:00:26

Richard Carthon: find a corporate job

00:36:00:28 – 00:36:04:27

Richard Carthon: to pay for your loans is never going to be the disruptive society because from day one, you’ve been

00:36:05:14 – 00:36:07:22

Richard Carthon: you’ve been grabbed by the system.

00:36:07:24 – 00:36:09:25

Richard Carthon: OK, so it’s

00:36:10:09 – 00:36:11:12

Richard Carthon: a threat to everybody.

00:36:11:14 – 00:36:19:02

Richard Carthon: They if you want to get into that industry, you doing something completely different? I felt assault flowers for many years and then jump into

00:36:19:04 – 00:36:20:24

Richard Carthon: it, learn a lot and you will always

00:36:20:26 – 00:36:21:11

Richard Carthon: be.

00:36:22:04 – 00:36:22:26

Richard Carthon: You are always

00:36:22:28 – 00:36:26:24

Richard Carthon: going to be, you’re going to be recognized and people are going to be much more stuck with you than

00:36:26:28 – 00:36:27:18

Richard Carthon: to some

00:36:28:00 – 00:36:38:05

Richard Carthon: to someone who knows Cryptopia hard heart. And is this a bridge in crypto? I talk to VCs and a lot of people, and they talk with their hearts, you know, I don’t care what they’re going to think about me because I know exactly know what I’m doing,

00:36:38:19 – 00:36:40:19

Julien Halimi: and they love it because they turn over

00:36:40:21 – 00:36:43:13

Richard Carthon: the marketers and they’re tired of the

00:36:43:15 – 00:36:44:17

Richard Carthon: the tubed

00:36:44:24 – 00:36:46:15

Richard Carthon: over technical language and stuff.

00:36:46:17 – 00:36:47:28

Richard Carthon: They just just.

00:36:48:09 – 00:36:49:19

Richard Carthon: But if you want to disrupt something, you

00:36:49:21 – 00:36:51:21

Richard Carthon: need to think, don’t be afraid to

00:36:51:23 – 00:36:52:20

Richard Carthon: come from outside of

00:36:52:22 – 00:36:54:09

Richard Carthon: the industry. Jump into

00:36:54:11 – 00:36:56:04

Richard Carthon: it. You know, ghost to train

00:36:56:06 – 00:36:58:26

Richard Carthon: and work hard. Study a lot and

00:36:59:08 – 00:37:04:17

Richard Carthon: you’ll be able to do something if you get the good opportunities and you jump into each opportunity

00:37:05:05 – 00:37:06:04

Richard Carthon: and you can something

00:37:07:20 – 00:37:21:20

Richard Carthon: that is a great final thought. Maybe we’ll go back to that one more time if you want to disrupt something. Don’t be afraid to step out of industry and you can get out of the hamster wheel. You can start something different. You find some you’re passionate about and just go for it. So, man,

00:37:22:03 – 00:37:23:13

Richard Carthon: Julien, you give to us just

00:37:23:15 – 00:37:27:21

Richard Carthon: so many nuggets today meant so much to be looking out for and to be

00:37:27:23 – 00:37:29:10

Richard Carthon: excited about what are ways

00:37:29:12 – 00:37:30:23

Richard Carthon: that people can learn more about

00:37:30:25 – 00:37:32:12

Richard Carthon: acting and connect with you.

00:37:34:03 – 00:37:36:05

Richard Carthon: Well, I mean, they continue to upset, of course, we’re

00:37:36:07 – 00:37:37:03

Richard Carthon: going to look

00:37:37:05 – 00:37:37:20

Richard Carthon: even better

00:37:37:22 – 00:37:38:14

Richard Carthon: in the next few weeks.

00:37:39:13 – 00:37:53:01

Richard Carthon: We’re pretty active on social media as well, so they can check us out on Twitter, on LinkedIn. You know, we have our discovery within a grandma as well. Everything is on the website and we pretty we answer pretty quickly.

00:37:53:04 – 00:37:53:23

Richard Carthon: We have a

00:37:54:07 – 00:37:55:02

Richard Carthon: landline you can

00:37:55:04 – 00:37:57:00

Richard Carthon: call us support is the number is in the

00:37:57:02 – 00:37:57:17

Richard Carthon: footer of a

00:37:57:19 – 00:37:58:22

Richard Carthon: website. We don’t hide

00:37:59:12 – 00:38:01:12

Richard Carthon: how you can reach us. You just call the

00:38:01:14 – 00:38:04:22

Richard Carthon: Iraqi people in France. But I speak English, of course.

00:38:05:17 – 00:38:09:27

Richard Carthon: And yeah, just contact us anytime you are destroying the services of France.

00:38:09:29 – 00:38:11:12

Richard Carthon: We have our offices

00:38:11:14 – 00:38:19:29

Richard Carthon: there and we’re pretty available. You know, some of our investors there were lost. They couldn’t. They need some information. Some of them knock on their door to just basically come to

00:38:20:01 – 00:38:22:06

Richard Carthon: the office and and I join

00:38:22:11 – 00:38:26:00

Richard Carthon: you outside and they recognize us and we sit them, sit with them for half an hour, help

00:38:26:02 – 00:38:27:11

Richard Carthon: them out. So it doesn’t

00:38:27:13 – 00:38:30:24

Richard Carthon: happen with most fintech projects because the guys are always far

00:38:30:26 – 00:38:32:03

Richard Carthon: away. And we we

00:38:32:05 – 00:38:42:10

Richard Carthon: local, you know, like we are there, we regulate it. And if, if, if anything happens, you know, we go to the we go to jail, you know what I mean? This is our our

00:38:42:12 – 00:38:43:17

Richard Carthon: project so

00:38:43:23 – 00:38:44:12

Richard Carthon: people can join

00:38:44:14 – 00:38:45:28

Richard Carthon: us anytime they

00:38:46:00 – 00:38:46:22

Richard Carthon: want and

00:38:47:12 – 00:38:47:29

Richard Carthon: check the

00:38:48:01 – 00:38:52:23

Richard Carthon: check the official website. And you can go on the website right now and check the progress

00:38:53:11 – 00:38:54:06

Richard Carthon: the progress bar is

00:38:54:08 – 00:38:55:11

Richard Carthon: going down there pretty

00:38:55:18 – 00:38:58:20

Richard Carthon: quickly, so you can you can you can go on

00:38:58:22 – 00:38:59:07

Richard Carthon: the Asian

00:38:59:09 – 00:39:00:21

Richard Carthon: inspired. The minimum of

00:39:00:23 – 00:39:02:08

Richard Carthon: the minimum buys is a thousand

00:39:02:10 – 00:39:03:02

Richard Carthon: bucks, basically,

00:39:04:11 – 00:39:08:10

Richard Carthon: and you have the white paper you can download and have all the information you want. If you need some more, just

00:39:08:14 – 00:39:09:03

Richard Carthon: write to us.

00:39:09:17 – 00:39:12:07

Richard Carthon: And we have a life chart, everything.

00:39:12:09 – 00:39:13:09

Richard Carthon: So don’t

00:39:13:11 – 00:39:14:10

Richard Carthon: be afraid to ask

00:39:14:12 – 00:39:16:07

Richard Carthon: questions and we will get back to you

00:39:16:23 – 00:39:17:12

Richard Carthon: really quickly

00:39:17:14 – 00:39:18:24

Richard Carthon: when you feel like thousands of people

00:39:18:26 – 00:39:23:10

Richard Carthon: know every day. We used to have like three to 600 people and now is like three thousand a day.

00:39:23:12 – 00:39:25:00

Richard Carthon: So this is pretty crazy.

00:39:25:02 – 00:39:27:03

Richard Carthon: But we, we we work weekends and

00:39:27:13 – 00:39:29:08

Richard Carthon: and we work every day so we don’t stop

00:39:29:10 – 00:39:31:09

Richard Carthon: during weekends to answer people. Well.

00:39:32:12 – 00:39:34:14

Richard Carthon: Well, excellent, well, everyone makes sure you go

00:39:34:16 – 00:40:05:12

Richard Carthon: check this out, and I’m going to go check it out myself again, Julian, thank you so much for joining us and for everyone listening. Stay cryptocurrency. Hey, cryptocurrency crew. We want to give a quick shout out to all of our faithful listeners out there. It’s been an amazing journey and we really appreciate your support throughout the years as we’ve been growing as a community. Each episode, we decided that we would start sharing some of the reviews that you were leaving for us. For today, we would like to share this review. Today’s review comes from a Bryants 41. You can tell that Richard has a passion for connecting the unknown to the listener. He makes crypto a lot easier to comprehend.

00:40:05:18 – 00:40:38:21

Richard Carthon: It’s one thing to know what crypto is, but to understand is what the podcast has helped me to do. Love it. We sincerely appreciate this review and all reviews and would like to ask that if you’re enjoying our show. Please take a quick moment to go and leave a review on our podcast so that hopefully we can be highlighting your review next. Simply go to our show notes or go to our website where we have a link, where you can share your review today. Hey, everyone, I hope you enjoyed today’s episode. For more information on today’s episode and all of our episodes, please visit us at WW W Not Crypto Dash Current, not CEO.

00:40:38:27 – 00:41:10:11

Richard Carthon: You can also find a link in the show notes. Want to stay up to date on the latest news in cryptocurrency? Sign up for our newsletter today. You’ll receive daily emails Monday through Friday that are personalized and curated content specific to you and your interest. Powered by artificial intelligence, you can either go to our show notes or go to our website to sign up today. Are you an accredited investor looking to invest in cryptocurrency? Quezon City Capital can help go to Quezon City Capital dot com for more information. I don’t know if you’ve noticed, but the quality of our podcast each week are improving.

00:41:10:18 – 00:41:25:21

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00:41:31:12 – 00:41:40:15

Richard Carthon: Thanks for tuning into another episode of cryptocurrency with Richard on. We’ll be back with more exciting developments from the world of blockchain and cryptocurrency next week.

00:41:41:10 – 00:41:43:23

Richard Carthon: But until then, stay crypto.

00:41:53:25 – 00:41:56:07

Richard Carthon: Three U.S. this now.

00:42:01:00 – 00:42:35:20

Richard Carthon: Thank you for joining us for another episode of cryptocurrency. Just one quick reminder cryptocurrency is a cryptocurrency and blockchain education platform that’s bridging the gap between the curious newcomers who were just discovering the space and the thought leaders who are shaping its future. All opinions expressed by Richard Carr on the crypto current team and their guests on this show are exclusively their own opinions. You should not treat any opinion expressed by Richard. The team and their guests as a specific inducement to make a particular investment or to follow his financial advice. This show and any other crypto current production is exclusively for informational purposes.