Uh, and finally, what's shaped your perspective on payments and infrastructure?

I used to work in the financial industry.

I spent 23 years in, uh, in banking and, um, I started as an IT engineer, so I was always in love with technology.

And when I found out about blockchain, I, I was really amazed by how simple and elegant that solution was to address so many core issues, uh, in payments.

Um, and, uh, when we started our payment business in Metacom, we saw this, uh, happening firsthand for our clients, uh, who were, uh, which, uh, whose funds were delayed by a few days, two, three days.

Uh, and back then we didn't have the ability, we didn't have the balance sheet to prefund all those accounts to allow instant settlements.

Um, so we figured, ah, this is a real- really useful and relevant technology to be able to move value instantly, uh, without the need for prefunding.

Mm-hmm

Is there something that's kind of fundamentally broken, do you think, that the industry narrative is getting wrong, perhaps?

Fundamentally broken, I don't know.

But from the top of my head, there are three things that I think are not working so well.

The first thing is that we're still using a technology called Swift that was built in the 70s.

And back then, it was a very elegant solution for the needs from the 70s, 50 years ago.

But Swift is a messaging system.

Ultimately, it just tells banks, to process transactions.

But how are you thinking about AI, I guess, at Metacom? We've not discussed that yet.