Episode 64 Crypto and Credit: Moving a Trillion Dollar Market On-Chain

Episode 64: Crypto and Credit: Moving a Trillion Dollar Market On-Chain

Episode 64

Crypto and Credit: Moving a Trillion Dollar Market On-Chain

Kevin Miao is the Partner and Head of Credit at BlockTower Capital. We cover how credit and securitization traditionally work, BlockTower’s approach to transform this entire process, and what he’s most excited to see built in the future.

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(00:04:00) - (First question) - The impact of TradFi shifting towards crypto infrastructure

(00:14:00) - How crypto could drastically reduce friction in credit markets and mortgages

(00:28:29) - Building crypto rails in parallel to legacy systems to prove their power and destabilize those traditional structures

(00:37:15) - The gravity of competing with the most entrenched American industry and how Blocktower’s system addresses this

(00:45:22) - How they cooperate and compete with different TradFi and DeFi players

(00:47:38) - Considerations for privacy and reversibility with crypto-based banking

(00:55:41) - How blockchain in banking can eliminate much of the human error in the system

(00:58:57) - What he’s most excited to see built over the next six months and six years

Crypto and Credit: Moving a Trillion Dollar Market On-Chain

Introduction

Eric
This is Eric Golden. And my guest this week is Kevin Miao- a partner and Head of Credit at BlockTower Capital. I have been excited for this conversation because while a lot of people in crypto seem to be focused on building a brand-new financial system from scratch, this conversation focuses on how crypto rails can improve the traditional finance world. After nearly a decade at Citigroup, Kevin straddles both the TradeFi and DeFi world. And at BlockTower, he is working on bringing the multitrillion-dollar securitization market on-chain.

We go deep into the weeds on this one, first, getting into the nuts and bolts of how credit and securitization traditionally work before diving into BlockTower's approach to transform this entire process, move it on-chain, which will reduce friction, errors and consequently, fees. Okay. We don't usually do this, but I hate using jargon and I try my best to stay away on the show whether we're using analogies or trying to give better examples so people can stay focused on the conversation.

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