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It all comes. Down to computers communicating. The information superhighway can be a confusing mix of on ramps and off ramps. Bitcoin is worthless, artificial. Gold. Is it still rat poison? Probably rat poison squared. We need to get into the world of OK, this is actually foundational. Technology. What the Internet of Money does is it creates a single network which can do a microtransaction to a giga transaction. The Internet is going to be one of the major forces for reducing the roller gun. The one thing that's missing that that will soon be developed is a reliable E cash. Welcome back to Final Settlement. It is Wednesday, October 9th, and today we're joined by a fascinating guest, Pierre Corbin. Pierre is the founder and CEO of a Bitcoin payments company, more specifically a Bitcoin payment gateway platform called Flash. And Michael and I have had the opportunity to get to know Pierre over the past few months and quickly became eager, eager to get him on the pod and and share a little bit more about what he's been building. So we have plenty of topics to get into today with Pierre, but welcome to the show. How are you doing today, Pierre? Thanks. Thanks, Brian. Good to be here and I'm doing great. Yeah, I think, you know, we, we've had a number of conversations in recent months, in recent weeks and just really getting excited about what you guys are building. But maybe a, a logical place to start would be a little bit more about yourself and, and your background, your, your journey to Bitcoin, if you will. You know, having started more in sort of the traditional world of consulting and then even doing some, some filmmaking and then ultimately deciding to, to build in Bitcoin and build flash. So maybe a little bit of color around your journey and and sort of past influences and and work and study. Yeah, Peter, before before jumping into it, I just thought of, I didn't see it, I don't know if anybody watched, but it'll be interesting to hear your take as a Bitcoin filmmaker, how you would contrast that as compared to whatever was shown last night on SBF. Yeah, I didn't watch it actually. I've just seen Twitter, all of all of that. And I believe Peter Todd is actually Satoshi, right? I think that's what, yeah, that's that's. That's where they landed. I I watched it. It was it was flimsy at best, at best. Like it was there was no like hard evidence, no smoking gun. And I think for for people who who know who Peter Todd is, like there's a lot of reasons why he isn't Satoshi that I think just weren't covered in the film. And he sort of left left those out. So, yeah. But curious once you do get to wash it, what what your thoughts would be? Yeah, but there is one film. So I also organized Bitcoin Film Fest and we screened at this year's edition, we screened a film Searching for Satoshi that is a Canadian film. And this, this one is really good when it comes to investigating who could be Satoshi. And it doesn't really come to a conclusion, which I think is is also good about it. But yeah, I don't think Peter Todd is the one I have more another idea based on, based on that film that I recommend everyone to go to go check out searching for censorship. Yeah. But OK, so a bit about myself. So I'm Pierre Corbin. I'm I'm French and Spanish. I live in in Poland. Just kind of lived all my life going back and forth. I studied finance and during my degree I just picked up programming because I thought it would be, you know, just a good skill to have. And I completely got into, I mean, I was studying at night, I was working also restaurants and evenings and I would spend 8 hours a day just programming. So it was, yeah, a crazy time. But you know, this led me to starting my first job after after my, my studies and I, it was just programming a lot and trying to get as much programming as possible into my daily work. And I just started automating a bunch of tasks for everyone in the teams. And little by little this got me into working in financial information systems of different companies. I was consultant at Accenture and most year round financial information systems as well. But of course, it all depends on the project and such. And in that time, I was just studying Bitcoin a lot. I started with, you know, crypto in 2017, I guess. You know, many people started their the. Hero's Journey. You're right exactly and made a bunch of money that I then lost a bunch because that was all crypto stuff. But then, you know, during the bear market, that's when I actually, you know, no one cares about crypto during a bear market. No one talks about that anymore. And so the only thing that there was reads talked about was Bitcoin. And so I started studying a lot more just Bitcoin, Bitcoin, Bitcoin and yeah. And in in 2021, I was just so obsessed about it that I was just getting tired of my job. There was no going back to the office or anything. I just, you know, wanted to change. And I thought it's the time to quit my job and focus on Bitcoin because I think that's the, you know, greatest technology, the greatest invention in my lifetime. So, you know, that's what I should focus my time on. But the first thing I did was, yeah, not in programming. Actually, it was in film making. Filmmaking was just something I really always enjoyed. I also did a filmmaking course when I was a student. It was just a storytelling is something I'm attracted to and I always wanted to do something in that. And you know when you quit your job and you say I'm going to work in Bitcoin, it doesn't really mean anything. So I was just trying to figure out what I wanted to, what I wanted to do, and I watched the documentary that really inspired me and I thought I can do the same thing. It's just about storytelling and and good research. So yeah, so, so I did The Great Resets and the Rise of Bitcoin. If anyone hasn't watched it, I recommend it. And yeah, multiple things happened along the way. Bitcoin Film Fest was the first initiative, you know, trying to bring a bit more of Bitcoin only culture and community here in Poland as well. We did the second edition this year, but last year I was also just contacted friend of mine reached out saying, look, let's meet let's talk because he knew I was of course very technical. We had very similar backgrounds when it came to the the corporate work that we did, but completely separately. And and he told me about, you know, what we can do with, with AI, how easy it is to build things now and there's a big opportunity. Maybe we should do something about it. And and so, you know, he told me everything about how how this works. And I thought, OK, that's, that's very interesting. I'm happy to do something in it. Let's try and find some ideas. But it has to be Bitcoin focused because of course I want to dedicate myself to Bitcoin. So if I was going to spend my time on something that was even AI related, it had to be around around. And so we created a talk to Satoshi, which was an AI chatbot that was taking just different books for each of the answers and it would answer as if it was Satoshi. And we released this in May, I believe, of last year. And it was, it was a really good success. There was, you know, over 300 articles written in a week. We were, it was very exciting. And yeah. And that's when you know, with, with so with my friend, we just realized that working on this was was really good. We had similar ideas with the similar kind of things. We're driving us forward. And so we decided to do more out of this. And that's when he became my Co founder at Flash. And we, I mean, we didn't start with what Flash is right now. I think that's what happens to most businesses. At first we were trying to figure out, OK, is there really opportunity in AI and what can be done with it? And it's quite tough. We don't, I mean, we can go there if you want to, but, but essentially it's, it's, I think it's a tough place to make money because you're just always chasing for the next new thing. And I think it's not a great way to build business over the, the long term because you end up always competing against the big ones, I think. But what we decided to do was, OK, well, maybe there's a way to use the Lightning Network for microtransactions and Noster for messaging, so everything is private and encrypted. And this way we could create the marketplace of APIs and of data storage. They're called vector stores that then developers would be able to just, you know, plug and play essentially in their own applications. And for each API request, there would be this microtransaction that happens before the response is, is given, which is great, super cool, but very, very, very niche. And we, we kind of realised that and we thought maybe that's, that's not really the way to go. But, but while working on that, we stumbled upon Noster wall connect and generally just using Noster more for user management and so on. And, and in, in, you know, building that we had, we called it Noster X. That was the name of that project. And in building that we realized that actually the power in all of this is Nostril Wallet Connect because there's so many complicated tools out there even today or, or things that are added to, you know, certain protocols that are being created and that I think are complicated. And Nostril Wallet Connect really simplifies that while making sure there's always self custody and that it's integrated and interoperable with with all of the wallets that use nostril wall connected. And that's when we thought, OK, maybe that's that's why we need to actually push further. That's because if we can trigger payments for people, well then we can change how applications are being built. And that's what Nostril Wall Connect does. We're just trying to find a way where we could fit in that and where would there be the strongest need for that because there's a lot of applications that can be built that leverage this. I mean, you can think of a Noster client that allows direct payments and so on without ever holding custody of users funds thanks to Noster Walk Connect. And that's a great use case. But I think it's difficult to build a Noster client. And if what it really changes is how payments are made, how Bitcoin payments are made, One, in that case, we should go for the payments market because this is where a lot of tools are going to be needed and Noster Walk Connect can leverage, I mean can be leveraged for this. At Onramp, we believe that Bitcoin is the most important asset of the 21st century. The hard part is securing it right. There are shortcomings with keeping your coins on an exchange, but also with setting up your own self custody arrangement. Onramp solves for these concerns. Our multi institution custody solution maximizes security and minimizes counterparty risk, ensuring that your Bitcoin remains securely in your possession and provides built in inheritance planning to ensure your family is protected as well. On Ramp provides Peace of Mind for your Bitcoin journey, whether for your whole stack or for part of it as a compliment to your existing self custody setup. For more information, check us out at on rampbitcoin.com. Yeah, I know. It's it's fascinating because I think the the vast majority of people who have gotten interested in Noster, even like a cursory interest, I think most of them have been focused on, you know, Twitter clones like the social media aspect of what Nosfer can do. And I think the a real key inside of what you found with Nostra wallet connect in particular is like this is extremely applicable to the payments world and actually making Bitcoin payments more reliable, more usable and, and just more efficient generally. Could you drill down a little bit more on, you know, we, we've talked about Nostra on the show a few times, but just a, a bit of an overview of how you view Noster as this open interoperable protocol that is very complementary to, to Bitcoin and Lightning. And then more specifically, what Noster Wallet Connect actually does and what it unlocks. So essentially, you know, the Noster protocol is just a set of rules just like e-mail SMTP is and anyone can create a client for that. And of course the the features that are added into Noster for the first features that were added at least were really social network features. The idea being that we could have decentralized kind of Internet with decentralized social network. So you can just, you know, have your own personal profile information, you can post things, you can send DMS and so on. But then Bitcoin was added on to it, right? And this is this is great because we see a lot of really, really good use cases around it. And the first use cases that everyone has been looking around looking at, as you mentioned, is a client that just interfaces like a Twitter or other platforms like that. But I think that's really just the very first use case because I think the, and even that's already a layer 2A kind of use case, because the first part of it that is very interesting for everyone is the fact that I have my profile and I can just jump from one client to the other and just experience the same network differently. So the, the thing that people find really cool is not the social network side of it is the the user management side of it. And that's something that that we really want to be able to leverage at Flash because so when you create an account in Flash, even if you log in by e-mail, we create Noster keys for you. And this is everything that we use in our back end. And this is how we also allow for communications on Noster through the profiles that are created on Flash, because Flash is essentially also a Noster client. The only thing is that we don't look at posts. We don't, Yeah, none of that. We just take care of user profile information, some encryption things to Noster, and then Noster Wallet. And Noster Wallet connect is it allows for wallets and relays. So it allows for a wallet to know to be connected to a relay and it allows for wallets to communicate via Noster. So it solves a bunch of problems. One of them is the always on server kind of thing. There's just technical necessity and difficulty in the space. But generally speaking, the main feature that it brings to the table is that it is a a shared API among every single nostril wallet connect participant. So if you're a wallet owner, company, startup or whatever it is, it takes an afternoon or such to integrate Noster Wallet, connect to your wallet. And the moment you do that, well then developers, they can use one function and it'll be the same function for all of the different walls that are there. So me as an application developer, I do not care what wallet the user is using. I don't need to create the individual integrations with all of these wallets, look at their API documentation and I don't need that, I just need one. And this is pretty powerful because it allows to bring wallets together in one interface. And wallets essentially become backends to any of the applications that are being built. And each application can recreate their own interface of a wallet because you have access to all of these functionalities, which I think is just in terms of breaking down the concept of what a wallet is. It's pretty interesting, I think can bring a lot of change. Yeah, it's hard to comprehend it. Like even the the Twitter instance, it's the notion of user management and having salt silent gardens with Twitter, Facebook and and then being able to port over the public key and then manage that profile is one thing. But then when you start thinking about like the Venmo's, the cash apps and every financial institution has its own user management login and they don't speak to each other. And so effectively, you can still have the you can have the Bitcoin layer that's interoperable. So from like strike to cash app, you can send Bitcoin, but they still don't allow for any kind of payment infrastructure because bitcoins naturally push protocol. So you need an intermediary like protocol, which is noster to manage or noster plus wallet connect. But then the 2nd order effects are still like mind bending on like what that entails from a Bitcoin that we haven't seen. But then B just the traditional financial architecture that is historically bit this like siloed garden. It's fast. It's it's a fascinating. Did did I summarize at least part of the like innovation or or things that are changing here with that? Yeah, at the at the high level that that's exactly what it is. Because then we we could enter in in the granular and there's like, and I mentioned this a few minutes ago as well. There's this new feature essentially that is brought to thanks enough to work and that is generally brought to Bitcoin. Generally, whether it is on chain lightning liquid E cash, it doesn't matter is the fact that Nostril Wallet connect allows for direct debit. So essentially as if I have a wallet that is installed on my phone or I mean whatever kind of thing that is Nostril Wallet compatible, I can connect my wallet to an application and give a limited control over my wallet by this application. Yeah. And then the developers of this application, they can just create different interactions and they can trigger payments even if I'm not on my wallet. I don't need to sign a transaction manually myself. I gave this power to the wallet developer and that's sorry to the app developer and that's thanks to Noster Wall Connect. So I can be on a run, but I have my monthly payment for Netflix that has to happen. Well, it's it's the same experience as with a debit card. I can be on my rent. The payment tool anyway happen in Bitcoin and that was impossible until master walk connect. And what's also fascinating in that is that it's what we need to be able to at scale, bring microtransaction into lightning as well. Because you know, if you think of, so there's this protocol L4O2 that was developed by Lightning Labs that allows to pay for API requests. It's it's, I mean, my understanding of it is that it's not very efficient. There's a lot of there's issue in terms of authentication and in terms of it's not really one time payment for the API request. You kind of have to set a budget aside. So you do not have access to this Bitcoin, and it's just for every request that you do, it's automatically taken from that budget that you already set aside. And after wallet connect changes that, because I can connect my wallet and it will just take payments whenever they're needed. There's no need to set aside a budget. I can just manage my finances the way I would normally do in the Fiat world, which if we want to bring people to Bitcoin, that's the kind of user experiences that we have to be able to bring and create. The right tools that leverage these technologies because that's what people are used to. I think it's going to be tough to bring people onto Bitcoin if the user experience is just not on par with what they're used to. And I think that's that's yeah, pretty big and very exciting for the future of self custody because a lot of these things are doable in custodial solutions. There's so much easier if you control people's funds, you can do all of these things. But you know, when I, when I talk all of this, it's all with self custody in mind. And I think this is this is what's pretty amazing. Gotcha. Maybe maybe it's a good, good transition to talking a bit more about Flash specifically. Maybe you could provide sort of a, an overview of business, you know, where it is currently, where it's headed, different features and, and functionality and, and real use cases that are leveraging that infrastructure that we kind of just walked through. Yeah. And so as I mentioned earlier, the moment you enter Flash while you create an account, you'll have a Noster account directly and you can use it to log into other Noster applications as well. And the purpose of Flash is really to bring solutions for businesses to monetize and monetize whatever their business model. That's really what we're trying to, to be able to, to provide here. And so we started off with the simple use cases. You know, the first one was a paywall. So you can go into Flash, you can create a paywall, it'll generate a script and this script then you can just load it into any website builder or whatever it is. And when the pages is, you know, the website is opened and then the paywall appears and pretty simple. We've done the same thing for a video, which I think is pretty innovative, but a very interesting one as well where you can just set the budget because again, since we can do micro transactions and we can trigger these payments, well, then it's very easy for us to be able to create new experiences around pay per minute watch and so on. So that's that's another thing that anyone can create. And it's as simple as filling in a form with five points. It generates a script and it can be added to any website. So we also have payment links. We also have widget that is that is also pretty nice filling the gaps after such solutions kind of disappeared. A simple widget again, you add a script onto your website and there'll be a small little icon bottom right of the screen. That's, you know, you can have a call out for users and just, you know, buy me a coffee is what I added on my website. And, and people can just easily donate some Satoshi's through such, through such tools. And so these are the the first things that we started building. But then again, we realized that while we have user management with Noster, even though we don't know our users and we have the direct debit payments. So we thought, well, maybe actually we can do something that no one else has done so far because it was technically impossible, which is subscriptions. So automatic recurring payments and that was the the next big thing that that we that we really built, that was truly innovative and that we're still continuing to build because of course we need to make it, you know, breach the standards of other platforms like Stripe. That is the standard for subscriptions in the Fiat world. Well, you know, it has to be about developer improvements for a developer experience and so on. So there's, there's a lot of work going on there. And essentially this allows to schedule payments. So you can do it once a month, once a week, once a year. There's really many options there. And it allows to manage for subscriptions. So any user can using an Oster wallet connect enabled wallet can just connect his wallet to any subscription for any business and they can start accepting these payments in in Bitcoin and every month automatically these payments are going to happen. And as an app developer, you can of course, you're notified about that. You can arrange your entire back end to handle these subscriptions and be able to, you know, manage features, hide features and create your your own things in your applications or or websites. And the subscription is as simple as even a no code solution just to get monthly donations to whatever you want. And so from there, of course, you know, we're thinking, OK, so what's the next thing that could be needed? What, what, how else do people monetize? And of course, the big one is, is e-commerce. And we started off by, you know, well, we need to create first our back end for that. So let's take things one step at a time. If we want to provide solutions for e-commerce, well then people need to be able to have products, they need to have a check out page, right? And the moment they have products already added onto the platform, well then we can display these products in many different ways, right? So we added a point of sale where directly from flash you can see all of your products in a point of sale and you could directly in person on your phone or through a tablet or website, you'd be able to manage your store. When customers come in, you just, you know, select what are the products that should go. The price is automatically for summed up, calculated, it generates an invoice and once it's paid, all of this gets added to your reporting, including inventory management, you know, trying to think kind of big as to what the needs could could be there. And so once we create to the point of sale, well, great. So some more people come out and reach out to us. They say, well, great phone, can I have some kind of store? Well, sure. Well, again, the same thing you know, we have products already has just changed the interface and now users can have a store And the next thing that we're working on now that will be released in just a few weeks will be plugins for Shopify and for WooCommerce that will take us further down the path of integrating with other platforms that are out there and soon after that be able to also bring subscriptions in Bitcoin onto these platforms. I mean, WooCommerce, there's hundreds of thousands, there's millions of websites built in WooCommerce around the world. It's the number one platform to do it. And yeah, if we can integrate with these, including for our innovative products that are the subscriptions, I think we can. Yeah, there's big opportunity there. Yeah, you're on mute. I think you're on mute. It's super exciting and I think you mentioned it, but it's worth calling out again is everything you're describing is in a non custodial fashion. And I think why that's ultimately important is because if it pushes to the end user corporate client, their Flash is agnostic to it in the same way that Stripe is agnostic to the bank account that funds are getting swept to. It is just providing a utility, a service in the middle ground and the tooling around it for, for payments and the additional, you know, services that are attached to it. And I think there's been a, there's been a gap in the market because traditionally you have existing lightning or payment services, but then they all have their own bespoke or custom custodial situation. And that comes with, I want to say significant trade-offs, but it comes with trade-offs superior. I don't know if you want to speak to that. And just like how you know was that designed for the very beginning to be interoperable and agnostic to the end point of where funds were delivered? Or was that something that the market like kind of pulled from you as far as looking for something that was they had their own kind of like bring their own custody service? So for us, you know, what really matters is to make sure that we make these transactions peer-to-peer, right? So they're in the more traditional finance, it's account to account transactions. Because anyway, this is on the rise, right? Like I think this is something that can also allow us to position ourselves nicely because the traditional finance world is also pushing for direct account to account transactions. And it's gaining. I mean, I'm based in Poland right now 70% of digital payments are direct account to account transactions because they're just this great tool in Poland for that. In other countries it's much lower. I think France we're at a 7% penetration, right. But so I think it's, you know, Sir. Yeah. Can you describe it? Can you describe that? I'm not as familiar with that. Term so like this actually it's it's like a peer-to-peer transaction but directly from my account to another user's bank account Yeah, it's bank account yeah. So it's not because self custodial, obviously the bank holds the funds, but the payments are just more efficient, faster, instant. And is that like? Like top down like to like all banks in Poland to utilize this. Interesting. Yeah, exactly. Yeah. And and I mean you're definitely familiar with this. So is it because like European and Latin American markets have less of the like red tape between financial institutions that can do that? Because I think like in the US, it gets harder to do the direct to direct, right. So that's where you have like the silos of the Venmo's and sales and the cash apps of the world. Yeah. So I mean, I think obviously a lot of it is just it comes down to regulation and choices that are made, right. I know in Europe in general, these account to account transfers and used payment standards to allow for instant payments, they're getting more and more popular. But it, you know, this the solution that I mentioned that exists in Poland has been here for already a few years. It was ahead of other countries in in the region and and so it's, it's gained a lot of popularity. And I think Finland was another one that came up with a similar solution. And they're also at about 60% of their digital payment transactions that are using this direct account to account. So essentially the payment doesn't go through all the steps and intermediaries of yeah, banking route. They can go directly from one account to the other and and that's the concept of peer-to-peer. But peer-to-peer is for me only applies when there's custody involved. Otherwise, I mean, you're not a peer in the transaction, right? Yeah. And so generally speaking, it's, it's a general trend that that is coming that is these account to account payments, which makes so much sense obviously. And being able to show and be part of that I think is is pretty important because we'll be able to he'll speak to people more as we can, as we can, you know, just follow the trend that is also happening in the traditional finance world. Now of course, we're doing it all in self custody, which is just the the beauty of it. And generally speaking, I think the aspects that of self custody are more important than we realize for a business. It just makes things more complicated because the moment you want to be able to offer any kind of solution that allows for direct payments within an application, including some micro transactions, while then the only solution that exists today is taking custody of user funds in one form or another. And this means that you need to KYC your users and no one wants to KYC users. I mean, it's risks for security, but on top of that, it's also expensive. No one really wants to do it and no user likes being KYC, right? Of course you do it because you need to do it in order to be able to, to use a particular service. But no one likes it. And there's a lot of people I even know personally that wouldn't go for a certain solution or an application because it requires KYC and they want to remain private. And, and I think that's that's what self custody unlocks and it's pretty great. Yeah. And I think it's, I think just from a business perspective building, it's very like there's this notion of you want to have a large, the largest total addressable market. You want to do everything in the terms of like what the market presents, IE you know regular regulations and onboarding the things that are presented. But at the same point you want to have redundancy and fault tolerance in case that that doesn't isn't always there. So we heard of 2.1 point O was like late 2009 10s when it came to firearms and other, you know, I think gambling websites where you couldn't accept payments. We, we know what's happening with the banking situation in the US. It's two point O. And so this notion of like a gateway stripes of the world not being able to let clients or customers accept payments for their services. You always want to kind of build in a Bitcoin world this notion of censorship resistance, interoperability that you you're not worried about that. And so if you have the right tooling and what you're providing and others where you have the intermedi, the intermediary, it's agnostic, it's a, it's a technology doesn't know what's being sold or bought, it's just facilitating. But then to your point, if you get onboarded from a micro transaction or needing any kind of financial services in the traditional world, you need to do the KYC onboarding and that presents a lot of risk for the funds are deposited. And it's not to say we don't participate in that world. It's like it's just from a pure, I like to joke like we're in a bull market for overreach, right? Like for and because of that, you always want, if you're being prudent and pragmatic, you want to build with the notion that your business isn't knocked out because somebody doesn't like it. And so at On Ramp, it's very similar in the sense that we partner and facilitate and do all the things required from a regulated entity. But at the end of the day, like our endpoints are the keys and somebody can deposit Bitcoin for custody, for custody services. They pay in Bitcoin, they can pay in, you know, Stripe as well. But then ultimately, if for some reason banking relationships sour aren't available, you could still custody the Bitcoin with the private keys and you can still take your fees in BTC and your business is operating fine. Probably takes a hit because some people need to pay. And if that's happening, there's probably like a hit to the industry from a short term perspective. But you're not knocked out of the game where we saw six months ago with all the stuff with samurai. People just get knocked out of the game. They leave the the countries and all that. So anyway, it's just more of a nod to, I think it's really commendable and also like forward thinking that we're only going to see more and more people get deep platform just because that's just the nature of and that it's important to build the tools that can play within the existing system, but also outside of that system. Yeah. And you know, I have a personal story also around such intermediaries and platforms that I think we have the opportunity to change completely, which which I'm very excited about. So I mentioned I made a documentary, The Great Reset in the Rise of Bitcoin. It's on YouTube, so I have a YouTube channel and I reached over 700,000 views just on my channel. So very quickly I was able to start monetizing and, and that the, you know, that was cool. Some money just started accumulating on the Google account and, and after a certain amount of time, I was able to withdraw these funds. Well, it turned out I couldn't. I went, it was over two months of process going back and forth with Google because there was one problem with Google Pay, but actually, no, it was YouTube and they were just sending me back and forth back and forth. And it took over two months for me to resolve that. When I mean in a world where we can build applications where there are direct peer-to-peer payments, like I understand that Google could remain an intermediary for because this is how can I explain that today when it comes to YouTube, Google is has two roles as intermediary. There is one that is the platform and the content and you know how you experience YouTube. But the other one is the payments and the fact that people can earn, people can spend and so on, right? And if if you remove completely the the payments part from from their control or rather remove them as an intermediary for the payments part, well, then such issues would never happen because you could be paid directly. It's not waiting on an account. You can be paid directly. And we have a bunch of ideas on how we can try and, you know, change a bunch of Google products particularly, but you know, generally Internet products and the payments that they have because we can do it. Subscriptions are great, but I think down the road Bitcoin microtransactions, instant scheduled payments, etcetera. Automatically triggered payments I think are are the the future of how payments will happen between applications. So that's insanely exciting. Like I would love to drill a little bit more into that because we, so we, we mixed up. We were initially going to have you a few weeks from now and Roy from from breeze. And then he had some stuff going on with the situation in the Middle East. So he'll be on. And one of the things we were going to bring up was his recent article about I'm going to butcher the title, but it was about like orange fillings kind of over like we need to find use cases, right? We need to find like products and services that are actually matter to to the end user, not just Bitcoin, because like that will happen by its own thing from an ideological perspective, But we just need better products. And what you just described is just a better product. If you're a content creator and you have T + 30 or 60 days to get paid or you can get paid same day and not have counterparty risk people are increasing. It doesn't even have to matter about getting D platform. It's just if you could take the asset and then stream it to wherever your endpoint exchanges to get into dollars or local currency. That is just like 10 to 100 X better than what you just described. And so like those things are really, so I guess drilling into that though, and we kind of jumped in and I wanted to to bring this up in the beginning, you referenced having like a traditional finance slash consult, like a management consulting background, right? Kind of there's one pocket in my mind of like a stereo, like an archetype. And then you like to engineer or you you're technical, which is another archetype. You generally don't see those together. And then the third is that you're creative in that you, you know, produce a, a video content series. And there's some other rougher points that you said you you enjoy creating. Those are like 3 generally. Again, this is direct or generalizing, but different archetypes that usually don't like inter inter twined together and curious like what would you say if you had to is you either feel your strongest suit or your most interest vent because I feel like that's an important function of what you're building here is like when you start to tie those things together, that's when you recognize, Oh, maybe AI is too niche because other people don't didn't think that at the time. It's like, oh, AI and lightning, It makes all the sense. And then we've kind of seen how that sputtered out. And that's what we've seen in Bitcoin is generally somebody has one version of the world and they kind of go down this path and then they're still working on they're not seeing the full 360 view of like, wait, there's not commercialization here, here, let's figure out the things that are needed from a mass market. And I think those three different components, and there's probably more are what's like allowing you to see this like opportunity that we're most are kind of missing. So just curious, like how you think about yourself in that respect? It's kind of a weird question, but it's but I think it ties in, I think it ties in a bunch to like what you're building and the exciting opportunity ahead and where people have kind of missed what's right in front of us. Yeah. So I think really it's, I mean, all of these are, are skills that can be used. That's always why I train to, you know, and that's why I always, I tell everyone it's, you know, try and build on the skills you already have. Because these three points, you know, like being a technical person, being a business person and liking filmmaking. Like these are things that I was kind of always into just at different levels, right? And I think it all comes in waves. It's there's a moment I want to, you know, I have the time and I have the idea and the energy to go and do more of some filmmaking work. Well, then I'm just going to pursue that and I'm going to obsess over it. And, you know, so this, these are just all skills that, that, that you learn. And when it comes to the filmmaking side, it also, especially as a Bitcoin filmmaker, because I'm not a general filmmaker, it's really, again, I focus on Bitcoin. It's the storytelling side of it. I think it teaches a lot when it comes to just storytelling. How do you position yourself? How do you position a story that you're trying to bring forward to make sure that every. Anything fits in a story that there's the right, you know, points and the right tempo. I think these are these are a lot of things that I can then use in business as well, right, The technical stuff. I mean, obviously it's just I mean, I can build things, right. So if I wasn't a technical Co founder, we wouldn't have flash the way it works now, because a lot of it, even though I don't think I'm the best coder, right. So I think I like when I, when I see my developers, when they go over my code, there's always a lot of changes that need to happen. But but I can prototype, I can make it work and it works right. And and to that, I think what we're also really trying to tap into flash is we want to be able to attract every type of business. We think that there is no solution out there that uses the Bitcoin Lightning network, particularly that fits big companies. A lot of the user experience that there is this, you know, some wallets that are, you know, like not great kind of experience or they're not very well integrated with other, with other tools. It's hard to really find a wallet and a platform that we're allowed to do all of this properly. And so that we're that's what we're trying to to, to bring as well. And you know, the technical side is needed for that. But having worked for big corporations just gives a, a very good understanding standing of where we need to meet them because of course it's going to take some time, right? There's there's levels of which we're going to be able to reach, you know, different kinds of of companies and and corporations, but we have the right way of thinking about it. We know that it should just be a new system for them. And what do such systems work like? I've built them for corporations. I know what they'll be looking for. So I think all of this just lines up properly to be able to yeah, to build things that work and that can bring value in Bitcoin. There's a lot of opportunity in Bitcoin still. There's always new technologies in Bitcoin. And so I think, you know, there's a huge opportunity for us to disrupt things and be ahead of of everyone else. Yeah, that that reminded me of of something that, you know, I wanted to drill into a little bit deeper around. You know, you mentioned, you know, a lot of companies have have thought about ways to catalyze Bitcoin payments right over the past, you know, several years even. And I think the, the default, you know, most common solution was using some form of lightning. But I'm curious your thoughts on sort of how that landscape has evolved in terms of, let's call it broadly like the the layers of Bitcoin, whether they're layer twos or threes. You know, basically what is your perception and view of all of these different, you know, basically methodologies for scaling Bitcoin, but importantly, like how they can be complementary? Because I think that's the thing that you've really keyed into here with what you're building at flash is it's not just using lightning, it's using lightning, it's using nostril, it's using something like liquid. It's it's, you know, really opening the aperture of how all these things can actually function together. So curious your thoughts there on, on sort of how that's evolved over the past, you know, call it 12 to 24 months and what your, what your general view is on, on how people should be thinking about building, you know, more usable Bitcoin payments. Because I think part of the part of catalyzing that, you know, increased usage of Bitcoin as as a payment rail is just people being willing to spend their Bitcoin, right? Like that. That's sort of part of it. And I think that will happen slowly. But the other component is just the usability of it, right? Like the UX itself, the ease of use, the lack of friction, like all of that is is critical to catalyzing that. So curious your your views or thoughts on any of that. Yeah. So you know what, the way I look at it and, and generally how we look at it at Flash is the fact that, you know, what matters, what people want is Bitcoin, right? Like when I look at my wallet, what I want to know is that I have Bitcoin and that it's safe and that I hold my own keys and no one will take it away from me, right? That's the important part. Then of course you need to be able to send and receive Bitcoin. But sending and receiving Bitcoin, this is where I think we enter more of the category of there's just different technologies and the way we look at it is that it shouldn't really matter to the user what's happening in the background. What matters is that he is receiving the payment. If we can have our own back end, because actually we didn't mention, but we, we're releasing our wallet, right? If we can have our, our own back end for our wallet that accepts and communicates all the different methods of payment that are available, which would be on chain, which would be lightning liquid, all of these within the same QR code that you sign essentially within the same invoice information. Like, you know, what's other wallet developers receive to be able to actually process the the transaction. But then I think we can gain so much in terms of user experience. I think that it means, you know, that new standards need to be also put together. We have a bunch of ideas on that and you know, and we'll see, I think what, what guides standards are use cases. So if we have the right use case, then we'll be able to, to leverage all of that. But it just, you know, it doesn't really make sense for me that all of this information cannot be shared and to be able to accept all of these payments methods because multiple wallets. I mean, if you think the Aqua wallets wall, they support liquid lightning Bitcoin on chain, right? There's other wallets that support just on chain and lightning and you know, there's just different technologies out there like E cash as well, right? There's gaining popularity and all of these things. I mean, they're just tech developers should be able to choose what they want to build their tech on. And they can, of course, but what if all of this information could be in the same place? And I think this is where Noster Wall Connect also brings a lot of opportunity because Noster Wall Connect right now is focused on the Lightning Network. So you can there's one function of the library that is called make invoice, which allows to create an invoice now by default. So the way it works is you know this information is transferred to the wallets by Noster and then in their back end the wallets can see, OK, they called make invoice. What do we allow them to do with that? And so of course they create a lightning invoice and they send back the lightning hash. But there's more information that comes with Noster wall connect. You can add some metadata, you can add some extra fields there, which again, since it's just information that is organized in a way that we choose to following certain standards. Well, then I could choose as a wild developer. That's when I make an invoice. I make an invoice that is both liquid lightning and even E cash. Why not, right? And all of this information is sent back and then the other side can just choose which one they're they're picking up. And I think that's that's what is that's what's pretty interesting here is that it can just bring a lot of interoperability and all of these technologies, it'll be a matter of app developers, you know, integrating all of them, select few, whatever works for them, right? But within this shared protocol to communicate about it because they'd be able to exchange funds with water that has completely different features. They don't even know about it. And it can happen. And that's thanks to Master Walk. So yeah, I think there was two parts to your question, but but I think that that answer is part of it, I guess. Because your Bitcoin custody setup keep you up at night. Maybe you still have coins sitting on an exchange worried about hackers, or maybe you've set up your own self custody. But don't feel safe with your Bitcoin savings stashed on a little plastic device in your desk drawer. Gain Peace of Mind with On Ramp and our multi institution custody solution. Here's how it works. On Ramp creates a dedicated multi sig vault just for you. 3 separate institutions each hold a key on ramp bit go and coin cover, but none can move funds unilaterally. Instead, only you have control over your coins with on ramps multi institution custody. You'll sleep better at night knowing your Bitcoin is stored with best in class security on chain with fault tolerant multi sig. If you believe your Bitcoin is going to be worth a lot someday, don't jeopardize that future by exposing your coins to hackers on exchanges, $5 wrench of tax in the real world, or perhaps most importantly, the risk that you might screw something up with a highly technical self custody set up on ramps. Multi institution custody eliminates single points of failure, reduces your personal attack surface and technical burden, and provides access to financial services that allow you to confidently secure your Bitcoin, including inheritance planning, insurance backed warranties for all balances and transactions, low cost trading, and more. Bitcoin is a once in a species asset, secure it right. Learn more at on rentbitcoin.com. Yeah. And I think I think it's worth reinforcing we've historically seen kind of AI think there's two parts to this. You guys may disagree, so be curious your thoughts. But like historically we haven't seen a lot of use cases for like payments in Bitcoin. And I, I tend to believe because like spend and replace can obviously be done, but I tend to believe it's just because of the lack of adoption. Like there's not, there's only so many Bitcoin holders that exist. And then the cost basis. So if you buy Bitcoin at 50,000, you don't really spend it at 60,000 like for a number of reasons, because you wanted to appreciate. But as the cost basis grows, right? So somebody that bought it 2 is 2000s more likely to spend it at 50,000 in the same way that somebody bought it 2 hundreds likely to spend at 2000. You grow the adoption coupled with the cost basis. So now you just have more people willing and then the the so like that's one component. I think we're at a really exciting time with what we all feel on the precipice of the price appreciation is a proxy for awareness and more users. But then the other side, which you just referenced is I never thought of it in that way, is that most of the Lightning or most of the payment companies have tried to enforce the use case on the end client, which you you can't because that's just how markets work. It's like the market has to come up with the use case and pull what it's being used. And So what Flash is doing is my understanding is providing the middleware to provide that same like Strike can't go and say use Stripe for this. It's like the market says, oh, I needed Stripe for this type of service to accept payments. And so by pushing that to the edges and giving the best tools, the markets going to pull forward. What are the ways to pay? And because pulling forward is the other side of like providing the service that somebody wants to use their Bitcoin for versus trying to say, this is what you use it for. Because we all know that without naming any names like the, the vendors and the, you know, what is it like the, the terminals and saying, Oh, we have partnerships here. But it's like, that's not how consumer behavior goes. And like you can't, you can't make assumptions that somebody's going to download an application And instead of going like, we have the best applications, Apple Pay and tap with our credit cards to switch that there's no way we can forecast that. It's just the market pulls it because they have the use cases. So it's just an interesting thing that you kind of reference. I just thought of. Yeah. And you know, I think generally speaking, the what what we try and do also at Flash is and that's why we focus on on AB to B product first is because, you know, why would people come to Bitcoin? They're either D Jens as they like to call them people that kind of, you know, the same path that I took towards Bitcoin, which was just kind of digging deep into finance, the economy and like, yeah, all all this, you know, big Bitcoin rabbit hole that there is. But I think that there's literally billions of people out there that won't ever care about that. And I think that the great solution with self custody is the fact that there is no requirement and no new risk that we present to our users, right? So because they always hold custody of their own funds. So we can easily go to different places. We can right now. We just saw this the, the number one country from where people can visit our website, our landing pages Nigeria, which is pretty interesting. And you know, in Nigeria, it's very difficult for people to be able to use solutions like Stripe cash app or whatever it is to be able to manage their businesses. It's just, I mean, all the entire KYC processes are, are a nightmare. We can talk about this forever. I, you know, I did two years of research for another Bitcoin documentary that talks about the monetary system and what institutions control it and how and so on. So we could really go there for a long time. But if you think of countries in in Africa, I mean, there's people that just cannot do KYC, like literally cannot do KYC because they cannot get I DS right. There's places where there's no address. And if you don't have an address, you can't do KYC, right, Because KYC has to follow standards that are set in Switzerland, right? By someone that lives in a completely different world, right? And so these people, we can bring the right modern payment solutions that they should have because thanks to self custody, well, it's easy for us to go into these markets because again, we never touch their funds. We're just this intermediary. We present no new risk for them and there's no requirement for KYC. And, and, and for them, I think they're the opportunity there is huge and, and all of these people, all of these potential users, if they come in from this B to B aspect, well then they can bring in some end users as well, right. And the use cases that we'll be able to build through direct application integrations with instance payments without custody, while allowing every single intermediary and application developers to still get paid a fee per transaction, right? Because in the end, this is how Flash works, right? Without custody, we can still trigger fee payments and get paid this way and we can add more individuals to these payments. And so I think the use cases we'll be able to bring there are just going to completely innovate. I think the Internet and how we interact online the same way we do it with steps on Noster, but just at a greater scale because it can be more directly integrated. Yeah. And it's embedded and implied that with the B to B, you're pushing the solution from like their clients, their users, so that the C and that the B to B to C, they have their own angle, whether it's peer-to-peer. We had Abu Baker on and talking about his interests or early getting Bitcoin exposure and how he had to go and figure out how to get BTC. So they will figure it out and then they will spend that Bitcoin with a tool like that. And so you don't have to understand or figure that out. And then the other thing that's super fascinating that most people don't talk about is because Bitcoins money, the financial services are localized. At the end of the day, people want to work with the local merchants. They don't want to work across the the state, country world with the counterparty. And so by pushing and providing the tooling, it just opens up that topography of use cases versus having like a silent focus where they have to come to you for that that product or service. Yeah, exactly. Exactly. One, one thing you said in there Pierre was around just your monetization model. If you could provide a little bit more color there in terms of, you know, transaction fees and and how Flash is, is monetizing its products and services relative to you know some other models that we've seen out there which are more sort of subscription based and how your, your thought process went into that decision. And so essentially out there, you know, there's a bunch of solutions that also allow to make accept payments, particularly for e-commerce, right? I think that's the number one use case that that people get get into because it's much easier to it's, it's much easier to generate invoices and allow people to receive money than it is to make outgoing invoices. You can automate the generation of invoices much more easily than you can automate to the payments. And so that's what everyone goes for, you know, because it's pretty simple. You've got a store, you've got a product, and the moment someone wants to pay, there has to be a check out and there has to be an invoice for it. And, and it's fine, you know, but I think it works great. But at the same time, that's just not the standard model for payment gateways and payment processors in the Fiat world, right? They all moved on to percentage based fee and I think it's for a bunch of different reasons. It's to simplify user onboarding, right, because it's free until you earn like what a great deal that is, right? Of course, it's a no brainer rather than paying for something that you're uncertain how much is going to cost you and even such solutions people pay for, right? People will have Shopify stores that earn them zero and it's just a cost month by month. But they still, they still, you know, choose to cover this cost. And there are companies out there that follow a model like that in the Bitcoin space, including in the South custodial Bitcoin space like Zaprist, which I think, I mean, they're great guys and I think they have a great approach to all of that. But it's complicated for them because every single wallet that is compatible with them is an individual connection. So they have to do a separate integration for all of the functionalities that. So it's it's an entire back end section that they need to build for each of the wallets. And they need to, of course, you know, always stay up to date when updates come into this or that API or SDK and they need to like, you know, change their code. It's I think it's pretty complicated. Noster Wall Connect resolves that. And so again, because they don't use Noster Wall Connect, well, they cannot trigger payments, They essentially cannot make subscriptions. Literally before Noster Wall Connect subscriptions and Bitcoin in a self custodial manner was impossible. And there's other Bitcoin and including lightning focused payment gateways like open nodes speed. They're out there and they do have a per so a fee per transaction revenue model, but they are custodial solutions. So right, they get paid and then you can withdraw to your own account, which again, in this world of empowering peer-to-peer transactions and not adding new risk to your users, they're not aligned with with that vision. And so you know, there's a real gap there. And essentially we're the only ones that allow for self custody while taking a transaction fee for that. And for those that are that are wondering, the way we can take a transaction fee without taking custody of users funds, even if it's for a split second, is that we trigger multiple transactions. So if a user gets paid through our store because he has, I don't know, he's selling shoes on a flash store, well then the payment will go from the end user. That is scanning the QR code on his screen, for example, directly to that merchant's wallet. And we know when the merchant gets paid and after he's received payment, we trigger the fee that gets paid to our wallet directly. So rather than holding the, the amount for a certain, for, you know, even a split second and then send part of that, well, then we make sure that the payment goes straight to that. Because there's different platforms that have tried to essentially do what Flash is doing, but they were holding even if it was a split second, like literally one second. And I forgot what's the name of this platform? It was Canadian, I believe. And that's from around November last year or December last year, they had to shut down because they got a cease and desist note because they were holding custody of their users funds, but they weren't KYC ING them or anything, right? And seeing this for me, it was instant signal. I mean, it's OK. I'm like, we have to get away from that. We have to be able to find a way to trigger payments and get paid without ever touching users funds because that's the best way to have a target on on our head. Yeah, bottle pay was fantastic back in the day and they ran into the similar issue where they had these like nice embeddable things on like skins on Twitter and you could pay and because of that fee structure, they kind of had to slow down and then the the kind of rest is history there. One thing that I I think is worth calling out is the the fee structure. I think it's, it's a very polarizing thing in the Bitcoin space on a, on a fee because when people think about credit cards and they have like this assumption or 3% and all the things embedded in there and that Bitcoin payments fees, whether it's custody and this isn't everyone, but I think it's worth calling it like whether it's custody or or payments should be flat and it makes zero sense. It's, it's it, it, it makes sense. Like at a face value, I should be flat because you're sending it and you send a Bitcoin transaction. There's a fees you pay there. The the, the protocol doesn't know how much you send. But when you think about goods and services of business, it doesn't make sense because ultimately, let's say something like flash, if you don't send much money, will you pay any zero fees? But if you're sending an insane amount of capital through, well, you should pay for that because if you're sending that amount of money through, you want that business to provide a goods and services and to exist into the future. And if they're, if they are, if you're paying a flat fee and everybody's paying a fat a flat fee and flash ends up sending, you know, 10s of millions, hundreds of 1,000,000 billions of dollars. Well, the services in the additional financial services on top of that, you want them to be best in class in the security profile. And that doesn't come with a flat fee in the same way with like custody, custody, most people have kind of been lulled asleep with paying zero. You pay for it somewhere, whether it's self custody, you pay for it or somebody can break in your house. You have to deal figure that out. In the same way if you pay for it with the Peace of Mind, like a multi institution that onramp provides, well, you pay for that because you have 3 institutions safeguarding that and it comes up a lot. Well, it should be flat. It's like, well, what we'd love to do at flat is if we're securing 10 tens of billions, if not hundreds of billions, well, you want us to be your financial partner in the future and you want to think about all the different financial services that are required and also the proportional security that comes along with it. So it's just a, it's an interesting balancing. I think it's more of how early we are that people just assume it all needs to be flat, but they're not thinking about like the financial counterparty in the future. They don't really want them to be a flat fee if they actually work with them deeply embedded in their life because they want them to be alive and then also provide best in class services and that can't come with a flash structure. Yeah, yeah. And I think essentially, you know, that's that's where the distinguish the like we have to make a distinction. It's that there's a difference between a transaction fee and a service fee, right. In our case, it like transaction fees are from our wallets, they'll be whatever the network requires, right And whatever other wallets anyone uses. It just, you know, depends, depends on that, but and the end user, I mean the customer. So again, if there's a flash merchant, so then there's a customer that is buying from him, well then this customer never pays more than whatever his wallet is going to charge him. We we don't charge the the end customer. What we will charge is the merchant because the merchant is monetizing through US, right? And so he's using our tools to be able to do that. And that's where it's a, a service fee essentially. And yeah, I know that bitcoiners sometimes have a bit of a problem with that, but at the same time, I think it's hard for them to argue on a service fee that is, you know, instant settlement among multiple parties. I think that's that's if there's a way of making fees, I think that that that's the right way of doing it. But it's just like, you know, some, some individuals weren't a big fan of the subscriptions when we we released them in yeah, late March because that's Bitcoin allows us to move away from subscriptions because you can have these per interaction payments and the value for value kind of models and all of these things, which which are great. I mean, we want to be able to support again, anyone and however they choose to monetize. If you want to be a value for a value person and just want to be able to, you know, monetize easily different some of the content you put out there, just being able to receive payments through a payment button or something like that. Well, you can do it with flash. But if you want to be, you know, someone that wants to have a predictable planned income and organize yourself through, through subscriptions, that is, I mean, it's huge industry. There's billions of dollars that are spent through subscriptions. And I'm pretty, I mean, I know I'm subscribed to more services than I could list right now if you asked me to, right? And that's part of the reason why it is such a popular way of monetizing because it'll ask to manage churn very easily and it'll ask to just predict the earnings that you're going to have as a company better. So it just makes sense that it's out there and if it's something that is, you know, trending in the Fiat payment space, I think it's the kind of payment that everyone is looking for. And so we should be able to provide these solutions as well as long as it's always self custodial, right and instant settlement. That's I think the rest is just talk. I think what matters is that people get what they want and it remains non custodial. Yeah, that optionality is key. What are you gonna say, Michael? A final settlement, not instant settlement. Which is exactly, exactly 1. You mentioned you leaked a little bit of alpha that you guys have a wallet coming out. Anything else you want to talk about around that and sort of, you know, the sort of strategic vision for the wallet as part of the business and then also sort of anything else looking ahead on the road map for Flash? Yeah. So, you know, we, the decision to build a wallet came from the fact that we wanted to simplify user onboarding and so and of course make sure that we have the right solution for our users that is that is free. So they can just, you know, get on board and have a wallet they can use for their personal use if they want to put is it is automatically connected to a flash account. So the Flash wallet will be a mobile wallet in in its first version, completely self custodial. We're actually using the Breeze SDK and it'll come out in the next coming weeks for the 1st of November for sure. But we want to really some, you know, alpha version before that maybe to get some, some testing going. And, and essentially we focus on user experience. We focus on making sure that it is simple to use, it is clear. So this is what the world is going to be focused around really. We want to make it look nice, look and feel like a modern fintech banking application. But on top of that, it will be directly linked to the user's Flash account, It'll be linked to Noster, and it'll be linked to with Noster Wall Connect. So you'll be able to use it everywhere. And not only that, but the wallet will be connected to everything that you do in Flash as well. So any kind of monetization that you do through these tools will be received on the wallet directly, but you will also be able to see all of your reporting, get notifications about any kind of incoming revenue and so on directly on your on your phone and be able to see this see this nicely. Yeah. So I think that's something to look forward to because it's going to be the first, the first wallet of its kind that is directly, you know, linked to all the business solutions that we have. We hope to be able to bring, of course, a lot of B to C people just so you know, regular consumers to use it because we think it's going to be a great wallet experience. And hopefully, you know, we can also redirect them to using a flash to monetize because this is the moment we get paid, first of all, of course. But on top of that, again, these solutions are so easy. Anyone can implement them for anything that they're working on. So might as well try and increase your revenue if it's just as easy as owning a wallet. So that's gonna be the focus now. But early next year we wanna be able to release also business wallet, so more targeted towards enterprise. And this wallet, we'd want it to be a desktop wallet rather so accessible through the browser, simply because again, this is where enterprise will be doing their work. It's not going to be the CEO or head accountant that holds a mobile phone and all of the funds are there like that's not how such clients are going to use such technology. So we need to be able to, you know, meet them where where they are. So browser will be the first thing we want to be able to add extra features that increase security, making sure that you know the keys, the custody of the keys can be shared among different individuals in the company. So simplifying that, simplifying some multi sig as well on the Lightning network and being able to just better serve bigger types of clients with the wallet that today doesn't exist and isn't in the market that yeah, there's no good option for for Business Today when it comes to the Lightning Network. And yeah, and then I have the the the original one more for the B2C people as well that maybe, you know, don't have a enterprise profile, but still want to have a great user experience and even monetize directly just with always on device. That'll be their mobile phone. Yeah, that's that's super exciting. I think we all kind of feel it on the consumer side. You kind of play hot potato with the wallet, right? There's like moon, there's mutiny and everybody kind of moves around given the the complexities of building a wallet that's easy to use when it comes to on chain and then like lightning or second layers. And so I will, you know, you guys have a lot planned there so you could share it kind of the future, but there's a lot of interesting stuff I know you guys are working on to simplify that experience. And when somebody downloads it, they won't have to deal with the complexity of figuring out how they're getting paid and they'll just be able to net settle and then move it out in a non custodial fashion. I mean, the way it's going to work in, in its first version is that a user that comes onto our website creates a Flash account. He goes through the onboarding, we get him to create the Flash wallet. So directly, you know, he'll take his phone out, scan the QR code, install the wallet. And the moment he does that, his wallet will be connected with the Flash account directly and he'll be able to make payments even on the Internet through the Flash web application. And when he creates any one of our gateways, subscriptions, products, whatever it is, well, his wallet will be there as the default option. So he doesn't even need to think about making a connection. We want to make it so that the user doesn't even realize where his wallet truly lies. Is it in his pocket or is it on the browser? We can mix these experiences so it just feels extremely easy and without all of the complexity that usually comes with having a bit point light while it's at the beginning. Yeah, that's that's super exciting. Very eager to to test that out once it's once it's live in the marketplace. So thanks for walking through that. Maybe this is a good, good spot to wrap. I mean, this has been a fantastic conversation, Pierre and and, you know, learned a lot about what what Flash is doing and, and super excited for you guys and I'm sure we'll we'll have you on again and in the near future. But anything else you wanted to to get out there or where could people learn more about Flash or yourself? Yeah, I think it's what we're working on is definitely interesting, innovative, and we need people to test it out, to work with it, to help us in building it, share ideas. There's just a lot of things that that can be done so anyone can reach out to us. Of course, our website is Pay with flash.com and there's all the information there. You can directly access the web app. It's free. The only moment you pay something is the moment you earn anything. So it's a net positive for you as a user. So go check out the app as well. We're trying to put a lot of effort on user experience and making it feel nice, just like what people are are used to. So Pay with flash.com. Yeah. If you can find me on Twitter at Seer Corbin. Well, just Pierre Corbin, I think you'll find me as well. And yeah, yeah, I think that that's it. But thanks a lot for having me on, guys. It was really, really good conversation. Always good to be able to go so deep into these topics that, you know, I think about all day but I don't talk about so. Yeah, absolutely appreciate you making the time. Thanks for joining, Pierre. Thank you. All right. And that's that'll do it for this episode of Final Settlement. Thanks everybody. Thanks for listening to this week's episode of the show. If you found the information valuable, please share the episode with a friend or leave a rating on your favorite podcast app. All the links we discussed in today's show will be in the show notes inside your podcast app. Before we finish, a quick reminder that On Rat Media is for informational and entertainment purposes only, and nothing should be construed as investment or legal advice. Regardless of where you are on your Bitcoin journey, we'd love to hear from you. Visit onrampbitcoin.com contact to schedule a consultation with one of our private client advisors.
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