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

00:01:12:17 – 00:01:33:22

Richard Carthon: Hello everyone. Welcome to another episode of Crypto Current your host here with Richard Carthon . And today I have a very special guest all the way out in San Francisco working on a really cool finance project in the world of Defi. I’m excited to learn more about we have parallel finance and today joining us we have the founder uboh. How are you doing today?

00:01:34:29 – 00:01:37:08

Yubo Ruan: Thank you. I’m doing absolutely great.

00:01:38:27 – 00:01:49:02

Richard Carthon: Coleman. Well, thank you for joining us. Excited to learn more about everything you got going on overall over at parallel finance. But before we do that, I want to learn more about you. Give us some background on yourself.

00:01:50:00 – 00:01:53:16

Yubo Ruan: Yeah. Yeah, absolutely. So I am a

00:01:55:01 – 00:02:27:11

Yubo Ruan: serial entrepreneur. I have started three companies in total over the last few years. So the first time I was in high school, I started a company that helped children with their financial habits. So we designed a smart, physical piggy bank that connect to the Internet, and then parents can send digital money to them. And then the company went well. It was acquired later on, and then it moved to us for college. And then I did computer science at Stanford University.

00:02:27:25 – 00:02:58:16

Yubo Ruan: However, I had too many ideas while studying, so I in 2017 decided to drop out to start a crypto fund, which is a, you know, one of the early, you know, blockchain focused venture funds. We spent a lot of time to raise over $60 million and then invest in show projects like Solana Polkadot’s Chia Network and a few others. And then at that time, I was around 20, 21.

00:02:58:25 – 00:03:36:25

Yubo Ruan: I was quite hard as an investor. And then so I decided to, you know, once we basically finished the coin, I decided to go back to school to rejoin and then finish more courses. So I spent some more time on like, you know, specifically, I know exactly what I want to learn and I know that I wanted to start a sort of defi protocol, so then go back to learn. And then in 2020, 20, 21, roughly two months ago, I, you know, I am fully prepared and then so submit another for about to school and then so started personal finance all right.

00:03:36:28 – 00:04:17:29

Richard Carthon: And so I quite the journey so serial entrepreneur entrepreneur by heart for real at the young age already you’ve done three startups and have had some success with it. So you’ve been in crypto, you know, went all in back in 2017, which is, you know, pretty remarkable and. You know, at some point we were able to raise a couple of million dollars and then realize that, okay, now you want to focus on more the defi landscape and get the tools that you can go and create that drop out again. And that brings us to today with parallel finance. So what was it about DEFI and creating a protocol that was calling to you like, why did you decide to go this route? Because, of course, in crypto, there’s a there’s a ton of different directions you can go.

00:04:18:08 – 00:04:22:03

Richard Carthon: And the fact that you decided to go in this direction, what led you this way?

00:04:23:02 – 00:05:01:00

Yubo Ruan: I think there are a couple of things. First of all, I think that the defi space is the the the only way to bring an angel like inclusion to growth. There are a billion plus people that are currently unbanked. And I think that it’s not just because it’s not just because that interest can do it. But I think we need to have a more open then lower entry barrier of an interest to support. If I can provide. Second of all, I think that the whole sort of defi and web3 is the the biggest revolution that we can see.

00:05:01:02 – 00:05:17:03

Yubo Ruan: In the next ten years someone will build and I wanted to participate and actually make it happen even closer to our reality. And I think that specifically Defi is one of the first applications of this sort of blockchain smart contract tech.

00:05:18:20 – 00:05:50:27

Richard Carthon: And on top of that, people can start to have more complex applications know to build, for example. And actually stuff can be social network, it can be marketplace, it can be anything. It depends on how sort of mature analogy are. But I think that we should follow the sequence, right? You don’t want to built like mobile internet in 2000. You want to build mobile internet probably after 2010 by when the 3G iPhone types technologies are are there. Right. But, you know, early Internet.

00:05:50:29 – 00:06:05:24

Richard Carthon: Right. It makes more sense to provide basic information as information aggregation, you know, social network and all that. So so yeah, what I’m trying to say is Defi is kind of like early stage of basic information and application

00:06:07:11 – 00:06:25:29

Richard Carthon: information is money. Right. But then we’re really talking about things like social network wide marketplace for purely but three related applications is more like, you know, a YouTube where you really want to have a powerful computer and powerful browser to really run it, which I think, you know, we can go to a couple of years later. It doesn’t have to be now.

00:06:27:02 – 00:06:27:23

Richard Carthon: Right in.

00:06:28:12 – 00:06:28:27

Richard Carthon: The middle.

00:06:30:05 – 00:07:04:12

Richard Carthon: Yeah. And I think that’s a really good Segway and a really good illustration of what you’re trying to accomplish, that if you look into the world of web3 and to this onramp, it’s allowing access to people, the unbanked for for people who are trying to get more financial security, for people who are also trying to take the power back to themselves and away from the traditional banking institutions. And it allows more access and allows more of a free flowing way for people to participate with that. I mean, I agree with you that this is a really amazing and ideal place to be starting.

00:07:04:14 – 00:07:18:03

Richard Carthon: And you also have the the skills and the background to be able to go and create this thing. So. Now, tell us about parallel finance. What is it that you created, which I think you just said 2021, but kind of walk us through what has happened over the last year.

00:07:19:27 – 00:07:57:14

Richard Carthon: Parallel finance. We are a end to end defi decentralized finance builder and provider. So essentially people can borrow and lend, can trade and stake their own cryptocurrency on our platform within one click. So currently defi applications are designed for more technical savvy early adopters where they actually have just two different applications, different website, different wallets, and have to know the technical jargon.

00:07:57:16 – 00:08:24:24

Richard Carthon: Then, you know, follow very complicated stuff to finish a defi asset. For us, it would be more of using a app that a five year old or six year old grandpa can use. And then we put them all together. And so you don’t have to leave the set with two apps that we have. But then you do everything all in one such that we can provide higher capital efficiency and simplicity to user.

00:08:26:13 – 00:09:01:11

Richard Carthon: Over the last couple of months that we started the company, we started ten months ago, we had got over half a billion TVL Total Value Lock, which is sort of metrics that evaluate how many, how much a sort of traction does a developer Oracle has. And, you know, we had over 60 plus employees on a company and then we launched over six products in a specific blockchain couple on first and then we’ll launch on iOS and then on the other blockchain as well.

00:09:03:10 – 00:09:14:18

Richard Carthon: We had a very successful fund raising previously. We raised over 30 million from top investors such as Sequoia Capital, Founders Fund, NATO,

00:09:16:13 – 00:09:20:28

Richard Carthon: Coinbase, Orange and a few others. So.

00:09:22:26 – 00:09:23:28

Richard Carthon: I’ve got to answer the question.

00:09:24:22 – 00:09:32:15

Richard Carthon: No, it absolutely did. I mean, it just speaks to one the speed in which you’re able to build the cell to the.

00:09:34:22 – 00:10:07:00

Richard Carthon: Effectiveness of being able to bring this all together and have people be able to participate. I mean, the fact that you’ve got to have $2 billion and total value locked for a DEFI protocol in the short amount of time that you did speaks to the value that you must be driving to the users of this and then also the backing. So your your team, the fact that you’re growing a team to 60 and you have really good advisors and investors that are in this speaks to the place that this that this is headed. And you said that you were able to create up to six different product lines that you have going on.

00:10:07:02 – 00:10:11:00

Richard Carthon: Now, I kind of want to spend a moment there. Can you kind of speak to each of those product lines for us?

00:10:11:27 – 00:10:45:21

Richard Carthon: Yeah. So the first product will be a money market. So similar to the bank, you put money as a collateral. You can borrow money, you can use a cryptocurrency, any type of currency to borrow, to ask collateral, to borrow dollar, other cryptocurrencies for various reasons to use. And the second product is the IMP, which is stands for this sort of, you know, automated market maker. So you can swap any type of tokens that you want on the platform. Number three is the a staking liquidation protocol so people can stake a specific currency to our proof of stake.

00:10:45:23 – 00:11:16:29

Richard Carthon: You know, usually this, you know, have a lock up period. It’s not that liquid and then it doesn’t have to, you know, optimize for a yield. But we do that all for the user. And then number four is a specific product for Polkadot, which is called auction or column. So people use our system to aggregate their sort of votes to support a specific person to win. And then on the other hand, we provide them with liquidity and then a superior return. Number four, we had a crushing break to help, you know, the liquidity between different chains.

00:11:17:09 – 00:11:47:19

Richard Carthon: Number five, we have a specific sort of farming capability that people can use to earn additional rewards through the platform usage. And then number six, something related to our Delphi products. So we designed a specific apps that designed for my business clients right now for retail, they can manage their their wallets through multiple owners. They can have access to better reporting. They can get access to advanced features such as stream payroll. They can get access to a bank transfer and all that.

00:11:49:15 – 00:11:50:26

Richard Carthon: So. Yeah.

00:11:52:02 – 00:12:11:14

Richard Carthon: No, that’s great. I mean, those are six solid products, all of them very relevant and very helpful to the world of design, especially to a lot of new people entering this space. One of the things I want to go back and revisit that you talked about at the beginning of this was how you started on the Cosmos ecosystem. I believe you’re also in the theory ecosystem.

00:12:13:21 – 00:12:20:14

Richard Carthon: When you’re making your decision on which ecosystem to be building on top of what led you to go with these two ecosystems?

00:12:21:15 – 00:12:53:18

Richard Carthon: Yeah. So. So the first one we go after is broken up, and then the second one will be Etherium. The idea here is that we want to take and dominate a niche market first, and then a lot of the customers share similar, you know, cryptocurrency holdings and then so that we can cross out once we launch it. The second sort of product feeds on the other blockchain. This way it is one of the most efficient way to really increase the amount of users that use our platform and then to have a local network effect.

00:12:53:21 – 00:12:56:11

Richard Carthon: And then we use that effect to expand to other network.

00:12:57:26 – 00:13:42:13

Richard Carthon: Now what is in effect is super important because you have to bring two sided users, right? People who provide equity who people want to trade or use. Right. So once we have that, it’s inherently becoming this sort of the advantage right over the top and then we can move off. The colony which we spoke about first is really because this market is very new and then like near zero sort of, you know, good applications out there and then people are waiting for solutions. And then the reason that we do is layer 2/1 versus other alternative layer once we’re friends of blockchains is because the merge of Ethereum will happen sometime this year, and I think that will dramatically improve the usability and decrease the cost of layer two.

00:13:42:24 – 00:13:53:06

Richard Carthon: So as you know, while more people transition to their shell, applications are like if actually these application are in a necessity, right? People need to use it right away.

00:13:54:13 – 00:14:37:07

Richard Carthon: Right. And then thanks for the correction. Didn’t mean to say Cosmo’s definitely poke it out. So as we’re looking at. You know, polkadot as compared to some of these other lesser ones. You know, it’s fast with the the original one of the original devs from Etherium kind of broke off. It was really against solidity and then created this to kind of cope with the shortcomings of a theory. And then of course, it’s interesting that your next was E2, which as you said, are EITH Layer two, because the theorem is the biggest blockchain. There’s a lot of systems on it, but it’s just as you know, it is too it gas is too expensive and if they can’t solve that challenge, it’s becomes really hard to do the development on top of it and want to participate in some of the defi protocols that are out there.

00:14:37:09 – 00:15:04:14

Richard Carthon: So by making it more affordable and still having the speed and do everything else with Polkadot as your main layer, I think that was a really cool call and I also think that the Polkadot ecosystem will continue to evolve as you look across your your different products. For someone listening to this right now, they’re like, oh my gosh, a finance sounds amazing. How can I participate? So if someone were to come on and try to participate in parallel finance, what are some of the first products that they’ll be able to use?

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00:15:06:17 – 00:15:39:11

Richard Carthon: Today’s podcast is brought to you by. So let’s the creators of let Apple a.k.a. the play to earn version of Monopoly. Owning a lab will unlock a number of monthly benefits and grant you lifetime access to the club, including the Let Dao for lad duopoly players roll dice to move around the board and when they land on a property they don’t own, it must pay rent before they can roll again. Led Apple has a ton of utilities, including anyone who mints. A board game will receive 5% of every sale of that NFT. In the future there will be in-game taxes, 50% of which go back to board holders.

00:15:39:13 – 00:16:12:08

Richard Carthon: Monthly is a 3% royalty on NFT game board sales with 5% royalty on NFT property sales. Board holders will also be airdropped 50 lap tokens. Board holders will be airdropped free properties. 50% of all advertising sales will go to board holders and 10% of voting to let quarterly profits are airdropped to board holders. And one of the best parts of the game is that they will be giving away blue chip nfts weekly as an endgame achievement. For more information go to so let’s NFT icon again that’s Soledad’s NFT that come.

00:16:20:21 – 00:17:00:07

Richard Carthon: Hmm. Well, so as I said, like the six Coptic products they can use right away right now on a polkadot space. Within three months, you can use the same pretty much similar six products, which we actually make a lot of changes on each space, you know, just to the local network and then optimize for different returns and then all that. Then people can use that as well. And then we will make a uniform interface that people can using. Got it. So examples I want to give is more like Netflix. When you watch a movie, then you go in and then it’s like whatever you want to use on the menu, I want you to say I want you to take my stuff right? Then you click on one place.

00:17:00:15 – 00:17:19:24

Richard Carthon: Now I wanted to borrow some money so you can borrow money. And then the funny thing is because if you have liquidity on both chain now you can to our platform aggregate them and then you got access to sort of cross margin and better liquidity. And those are all sort of newer features that we were we can sort of provide layer on.

00:17:21:05 – 00:18:00:05

Richard Carthon: Which is great. You’re getting to blend all of these and having typically to get access to these different types of these six products that you speak of. You have to go to a lot of different places. You don’t get to like have a nice buttoned up into one ecosystem and one platform that wraps it all together. And I know that you’re aware of this, and I know that there’s probably even more products that you probably have in the pipeline that you’re going to bring into the future to keep adding more of these elements together. But for someone who is either brand new or for someone who’s just starting their journey into the defi space, why is it beneficial to start this journey with parallel finance as opposed to going to some of the other defi protocols that are out there?

00:18:00:24 – 00:18:38:00

Yubo Ruan: Yeah. So it depends on what charge you’re on. Let’s say that you are a a defi new user. Now you have polkadot tokens and then you have asset on the ecosystem. Then this is the only place and then one of the best place that you can play all of your financial demands. You can solve all your financial demands. One of the simple reason that we started is really because there’s not solutions out there on the market, especially in the open space, and we make it super intuitive and it’s super simple to use. And then if you are a holder that you want to define, unfortunately you cannot do it today, but wait for three months for launch there and then you can use it right away.

00:18:38:04 – 00:19:09:12

Yubo Ruan: And then the benefit and that time is that we already had significant amounts of traction, which will be much more than what we have right now, plus the and better optimized applications and sort of the that the newer experience and better liquidity that we can provide. I think that that will be the main benefits. Again, like our whole mission is to bring DEFI to 1 billion people to the way that we think that is to make it for Maliki. Simple. About a five year old kids can use plus, you know, make it extremely capital efficient so that people can make more money.

00:19:09:14 – 00:19:17:03

Yubo Ruan: Right. Or higher go to pay less fee. And that’s all critical for us to make the customer more happy, which we have to be obsessed with.

00:19:17:16 – 00:19:51:00

Yubo Ruan: So for sure and you know, having the customer, end user as the primary focus as you build out product and having that in focus typically makes the best products, right? It helps with onboarding, it helps with mass adoption, it helps with also referrals, right? If someone comes in, has an amazing experience, that’s how you got to get that compound effect of more and more people going out, sharing the good gospel of parallel finance and all the amazing things and products that you have to help their money make more money.

00:19:51:10 – 00:20:11:20

Yubo Ruan: Now, to kind of change gears just for a second, when you look, take a step back from everything that’s going on in the defi landscape. You know, another big thing that’s out and about that a lot of people are aware of is the NFT space. I believe that there are some things in plan potentially for the future to be able to address that space as well. Can you kind of speak to that?

00:20:12:18 – 00:20:49:28

Yubo Ruan: Yeah. So he is one of the hottest topics in the last three months, 12 months. And then you see it’s you grow from nearly 0 to 20 billion market cap, you know, as an asset asset class. Right. So there’s thousands of energy out there and millions of holders. What I want to say is that empty, to be honest, it’s not just NFT that people can issue and hold it, but and it’s it’s actually a great, great, great asset that you can mingle with defi. You can mingle with finance, right? So simple examples that what we are trying to provide is first you have a high quality bluechip NFT.

00:20:50:09 – 00:21:25:13

Yubo Ruan: You can use it as a collateral on our platform to borrow money to get access to credit, to get access to your to solve your short term liquidity demands. But on the other hand, you know, if you don’t need to use your NFT for a period of time, then sharp put it onto our platform as well. We can do for you is that you can actually rent it out for people who need it and for a specific point of time similar to Airbnb. Right. Why would people want an NFT? A couple of reasons. One airdrop, right? Sometimes you get our airdrop by holding it. Second, you share royalty points so you might have some other economic benefits.

00:21:26:08 – 00:22:13:09

Yubo Ruan: And then going on you can be able to show as profile. You can be use it as in the game to gain utility and there are plenty of utility for NFT. So in order to bridge the supply and demand of the utility versus the the time demand, right, we can create this sort of marketplace as well for the rental side. And so that’s for we’re really interested. And I think those first of all, those two are the biggest missing components of the 90 space plus voice finance. And second of all, I think that this is something we are planning to provide on top of the develop Oracle, and that will make us very unique, which is kind of, you know, bridging the two ecosystem where people in the defi space 55 and see space to spend, like how can we build them? All of them into one platform is something we’re very interested in.

00:22:14:11 – 00:22:40:18

Yubo Ruan: Yeah. I’m interested to see what you all do with it, because I agree there’s there’s a lot of value and in these and it’s just like I said with the blue chips that. There should be a way where you can collateralize your urine if you like, especially if it’s just going to be saying that you have zero ambition. I’ll sell anytime soon, but if you want a short term loan to be able to use some of that money as collateral, it’s either go, invest, reinvest or do whatever and then pay it back and then let your money keep depreciating. There.

00:22:42:07 – 00:23:12:29

Yubo Ruan: I haven’t seen a strategic way to be able to do that just yet. So if that’s something that’s in the pipeline, I think that’s going to be something I know I’m interested in. I’m sure a lot of other people interested in as well. So I’ll keep my eye out on that. But you know, you know, this has been a really, really great and fun conversation. I always like to wrap up with a couple of fun questions as we get towards the end of the interview. And one of the ones I like to pose is as you kind of like look at the greater ecosystem of crypto as we are in early 2022 of the crypto landscape.

00:23:13:18 – 00:23:30:21

Yubo Ruan: When you look back it now it’s 20 years now 2023 and we’ve just finished the year of 2022 and when people look back, they’re going to say, this is the year of X. So what do you think X will be? Do you think it’ll be the year of defi of in a tease of metaverse? Like, what do you think that’s going to be?

00:23:32:20 – 00:23:35:08

Yubo Ruan: This year are probably going to be the year of an FDA metaverse.

00:23:37:10 – 00:23:48:15

Yubo Ruan: Yeah, I think that’s the one that really bring, you know, sort of mass adoptions where attention is out of the crypto space at this moment, which I think will continue.

00:23:49:16 – 00:24:21:27

Yubo Ruan: Yeah. Okay. And I, I tend to agree, man, that there’s when I think of the gateway drug to crypto right now, a lot of people used to think it was going to be Bitcoin, Ethereum or the the quick here’s how you can make a ton of money really quickly using this thing called crypto, but instead people are flocking to nfts and to onramp to to get to that space. There’s actually a lot of things you have to do, like to get some basic knowledge in crypto to be able to participate in purchasing and getting these NFT.

00:24:21:29 – 00:25:04:02

Yubo Ruan: So I think that’s going to be what gets people a lot more people in the door. And then once they’re there, they’re like, Oh, well, let me learn about this other things in crypto like Defi, right? And then I think that’s when we start to shift into Defi. I was not defi summer of 2020, but like that on steroids as we probably go into like 2023 or 2024. But that’s my hot take. Take it for what it is. We’ll see what happens, everybody. But for my next question for you, with all the information that you have right now, as you’ve been able to learn, you know, through your three startups and through just your first ten months of working on parallel finance, if you could take all this knowledge right now and impart one or two pieces of wisdom to yourself when you first got started on parallel finance, what would you tell yourself?

00:25:04:27 – 00:25:06:11

Yubo Ruan: I think one of them will be a.

00:25:08:13 – 00:25:40:15

Yubo Ruan: Think twice? Well, yes, basically, I think think twice before you make a very big decision. But also think slow. Think faster when you are making a lot smaller decisions. I think the timing of decision making is actually a art and is very interesting. And then the piece of advice here would be to think about what are something that can mostly, you know, sort of impact the efficiency of the whole company. One of them is obviously you can do everything you sell for.

00:25:40:17 – 00:26:05:06

Yubo Ruan: Second of all, you can hire people. So based on my experience so far, you know, building the world class team that help you achieve the mission is more efficient than doing everything yourself. So I would say that, you know, with currently we have 60 people, but if we start to scale the team, we may have, you know, 20 people at this moment. So yeah, I think that that would be a super small piece of advice for myself if I’m, you know, looking back.

00:26:05:24 – 00:26:24:05

Yubo Ruan: Yeah, no, that’s awesome. I think those are two solid things to to remember. So everyone listen, go, go run that back. And especially if you’re building your own business in this space. Two helpful tidbits. But as we wrap up here again, I appreciate all the information you’ve shared so far, but what are the final thoughts that you want to leave with everyone listening today?

00:26:24:29 – 00:26:45:21

Yubo Ruan: Oh, I think that one more thing is that I think, to be honest, the crypto space needs tenants. And then also, you know, either join a crypto company or started a crypto company. And I think that everyone deserves to start at least like one startup in their life. Just try it out. Maybe it’s not your thing, but who knows whether you love it? I tried it out. I love it.

00:26:46:11 – 00:27:15:28

Yubo Ruan: Right? No, I think that’s a great final thought for everyone listening. If you’re not involved in the crypto space, find a way, right? And even if you can potentially find a career, it’s a great space to be in. People are constantly hiring. People have budgets and you’re part of a really fun environment. I think that the crypto community is very welcoming, very warm, want you to succeed and are very eager and there’s a lot of good energy here. So if it’s something you’re interested in and make sure you go check it, I mean, I’m sure you can speak to that just with hiring the 60 people you have at this point.

00:27:17:08 – 00:27:27:22

Yubo Ruan: Yeah. Yeah, totally. I think it’s fun, it’s open, and then everyone learn from each other and there’s great, great, great culture. So I think that is what really attract a lot of the smartest people in the space for sure.

00:27:28:03 – 00:27:35:11

Yubo Ruan: Well, again, thanks for all the information. If people want to connect with you and learn more about parallel finance, what are some ways that they can do that?

00:27:36:01 – 00:27:42:05

Yubo Ruan: Maybe we can go to a parallel website or they can follow me on Twitter. That’ll be the best way to connect.

00:27:43:00 – 00:28:15:10

Yubo Ruan: Okay, perfect. We’ll make sure to share that information in the show notes. Well, again, thank you so much for spending time with us. And for everyone listening stay crypto current. Hey, Crypto Current 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 Pirate M, who said, This podcast is great. I didn’t know that much about cryptocurrency before I started listening, but now I feel great.

00:28:15:17 – 00:28:51:15

Yubo Ruan: The topics covered in Guest are all fantastic. Additionally, the information is easy to understand, even if you aren’t that well versed because of how entertaining the whole show is. 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 W WW That crypto dash current, that’s SEO.

00:28:51:21 – 00:29:23:05

Yubo Ruan: You can also find a link in the show notes. Want to stay up to date in the latest news and 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? Crescent City Capital can help. Go to Crescent 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.

00:29:23:12 – 00:29:38:15

Yubo Ruan: I can only thank my amazing producer, Andrew Ritter with the Ritter Productions, who has been putting all of this together. If you have any podcast, music or audio needs, please go to Ritter Productions dot com. That’s d r I t r productions dot com.

00:29:44:07 – 00:29:56:17

Yubo Ruan: Thanks for tuning into another episode of Crypto Crime with Richard Condon. We’ll be back with more exciting developments from the world of blockchain and cryptocurrency next. But until then, stay crypto.

00:29:56:19 – 00:29:57:04

Yubo Ruan: Current.

00:30:06:19 – 00:30:09:01

Yubo Ruan: We’ve seen this before, but it’s now.

00:30:13:24 – 00:30:22:24

Yubo Ruan: 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.

00:30:22:26 – 00:30:26:19

Yubo Ruan: Newcomers who are just discovering the space and the thought leaders who are shaping its future.

00:30:27:04 – 00:30:39:20

Yubo Ruan: All opinions expressed by Richard 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.

00:30:39:22 – 00:30:40:19

Yubo Ruan: Particular investment.

00:30:41:00 – 00:30:42:15

Yubo Ruan: Or to follow his financial.

00:30:42:17 – 00:30:43:02

Yubo Ruan: Advice.

00:30:43:24 – 00:30:48:14

Yubo Ruan: This show and any other crypto current production is exclusively for informational purposes.