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The Fintech Blueprint

The Fintech Blueprint

De: Lex Sokolin
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Finance is being pulled apart by the forces of frontier technology. From AI, to blockchain and DeFi, mixed reality, chatbots, neobanks, and roboadvisors — the industry will never be the same. Here is the blueprint for navigating the shift.2021 The FinTech Blueprint Economía Finanzas Personales Gestión y Liderazgo Liderazgo
Episodios
  • Managing $2B+ in On Chain Assets, with KPK Co-Founder Marcelo Ruiz de Olano

    Managing $2B+ in On Chain Assets, with KPK Co-Founder Marcelo Ruiz de Olano
    Sep 9 2025
    In this episode, Lex speaks with Marcelo Ruiz de Olano, Co-Founder of KPK (Karpatkey), an on-chain asset management firm born out of Gnosis DAO. Marcelo recounts KPK’s evolution from stewarding Gnosis’s $1B treasury to advising on more than $2B for leading protocols like ENS, Balancer, and the Ethereum Foundation. The discussion dives into the mechanics of non-custodial treasury management - balancing governance, security, and risk - along with strategies across lending, liquidity provision, and stablecoin yields. Marcelo also shares why the rise of large Ethereum treasury companies could be a turning point for DeFi, injecting institutional-scale liquidity and potentially making ETH more liquid than Bitcoin. NOTABLE DISCUSSION POINTS:Origins and Scale of On-Chain Treasury ManagementKPK spun out of Gnosis DAO, which had one of the earliest and largest on-chain treasuries (~$1B). From there, KPK evolved into an independent manager now advising on over $2B of DAO and foundation treasuries (ENS, Balancer, Ethereum Foundation, etc.), pioneering non-custodial, fully on-chain asset management practices.Conservative, Mission-Driven Approach vs. Yield-ChasingUnlike many DeFi actors during “DeFi Summer,” KPK deliberately rejected risky high-yield strategies. Instead, they prioritized capital preservation and mission alignment—for example, ensuring ENS’s treasury only supports Ethereum-strengthening initiatives (like minority client staking or avoiding centralization risks). This contrarian, values-driven approach built trust and positioned them as long-term stewards of DeFi treasuries.Transformative Potential of Ethereum Treasury CompaniesMarcelo highlights that emerging Ethereum treasury firms (similar to MicroStrategy’s BTC play) could deploy $10B+ in ETH treasuries. A single such “mega whale” could inject unprecedented liquidity into DeFi—making ETH potentially more liquid than BTC, bootstrapping entire verticals (DEX liquidity, lending, insurance), and creating a flywheel where treasury strategies directly accelerate Ethereum’s adoption and price stability. TOPICSKPK, Gnosis, Gnosis Safe, Balancer, Aave, Maker, Sky, Uniswap, Morpho, Ethereum Foundation, on-chain asset management, DAO, decentralized autonomous organization, treasury management, DeFi, tokenization, ETH, Ether, stablecoin, USDC ABOUT THE FINTECH BLUEPRINT🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS1’08: From Gnosis to KPK: Building the Infrastructure for On Chain Treasury Management8’00: Playing It Safe: How KPK Built Long Term DeFi Strategies in a Risk Obsessed Market11’50: DeFi Lending Unlocked: How KPK Assesses Risk and Builds Yield Strategies with Stablecoins and Leverage17’11: Treasury Playbooks: Matching DeFi Investment Strategies to Risk Profiles and DAO Values20’32: Stablecoin Farming and DAO Drama: Navigating Risk, Governance, and Community Conflicts23’18: From Impermanent Loss to Long Term Gain: Liquidity Provision and the Case for OG DeFi Protocols26’33: Behind the Smart Contracts: Why Human Ops and Governance Still Run On Chain Asset Management30’11: The Rise of Ethereum Treasury Companies: How On Chain Giants Will Supercharge DeFi Liquidity and Revenue36’34: The Ten Billion Dollar Whale: How Ethereum Treasury Giants Could Reshape Liquidity and Supercharge DeFi40’51: The channels used to connect with Mercelo & learn more about KPK Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions. Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.
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    41 m
  • Building the $130B global payments platform, with Airwallex’s Ravi Adusumilli

    Building the $130B global payments platform, with Airwallex’s Ravi Adusumilli
    Aug 21 2025
    In this episode, Lex speaks with Ravi Adusumilli - President and GM of the Americas at Airwallex. Ravi and Lex discuss how Airwallex has evolved into a global financial platform by offering businesses an integrated suite of cross-border payments, treasury, and banking services. Founded in 2015, Airwallex now supports 150,000 customers, processes $130 billion in annualized volume (up 73% YoY), and projects a $1 billion revenue run rate by year-end.The company’s success stems from its end-to-end infrastructure, homegrown payment rails, and multi-product strategy, with 80% of revenue now coming from customers using more than one product. Airwallex differentiates itself by focusing on global-first B2B use cases and building regional autonomy alongside centralized infrastructure. While not prioritizing stablecoins today, the company is exploring AI-driven financial operations and aims to reach $1 trillion in transaction volume by 2030. NOTABLE DISCUSSION POINTS:Airwallex’s Infrastructure: Proprietary Global Payment NetworkAirwallex operates a proprietary global payment infrastructure that processes 95% of its $130 billion in annualized transaction volume. The company has developed its own technology and regulatory framework in partnership with over 60 banks worldwide. This approach reduces dependence on legacy systems such as SWIFT and supports greater control over transaction speed, cost, and compliance.Expansion Through Multi-Product OfferingAirwallex has expanded its services beyond cross-border payments to include card issuance, spend management, treasury functions, and merchant acquiring. According to company data, 80% of revenue is generated from customers using multiple products. Payments now account for 70% of net revenue and are growing at three times the rate year over year.Decentralized Go-To-Market StructureAirwallex employs a regional management model, with General Managers responsible for performance and operations in specific geographies. This structure is supported by centralized functions such as product development, compliance, and engineering. With 1,700 employees in 26 offices, the company uses this hybrid model to manage growth and adapt to local regulatory environments across multiple regions, including Latin America and Asia-Pacific. TOPICSAirwallex, Stripe, Brex, Rippling, Shopify, Pinterest, Visa, fintech, global payments, e-commerce, cross-border transactions, paytech, embedded payments, CFO stack, stablecoins, AI ABOUT THE FINTECH BLUEPRINT🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS1’02: Building Through Partnerships: The Platform Strategy Behind a $130B Fintech7’24: Why It’s Working: Scaling B2B Payments in a Crowded Fintech Market12’21: From Coffee Beans to Global Rails: How Cross-Border Payments Became the Wedge for Platform Expansion19’02: Sticky by Design: How Regional Autonomy and Multi-Product Depth Drove Global Expansion25’31: From Credibility to Scale: When Partnerships Start Driving Growth29’33: Beyond Point Solutions: Why Global Platforms Are Replacing Fragmented Payment Stacks34’47: Solving the CFO Stack: A Unified Approach to Global Money Movement38’14: Resilient by Design: How Airwallex Manages Multi-Bank, Multi-Market Complexity42’51: The Hidden Cost of Scale: Inside the Engineering Behind a $130B Network46’15: The Next Phase: Airwallex’s Vision for a Global Financial OS49’54: The channels used to connect with Ravi & learn more about Airwallex Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions. Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.
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    51 m
  • How to Invest in the best Crypto Funds, with Matthew Le Merle CEO of Blockchain Coinvestors

    How to Invest in the best Crypto Funds, with Matthew Le Merle CEO of Blockchain Coinvestors
    Aug 11 2025
    Lex chats with Matthew Le Merle - CEO of Blockchain Coinvestors, a leading blockchain and AI fund-of-funds. He reflects on the limitations of large institutions in adopting disruptive technologies and why he chose to back innovators over incumbents, using stablecoins as an example of asymmetric value creation. Le Merle explains his evolution from angel investor to institutional LP, highlighting the benefits of leveraging top-tier venture capitalists’ expertise in inefficient early-stage markets. He outlines the psychological challenges of venture investing, where failures appear early and outsized wins often take a decade, contrasting this with the faster liquidity but higher existential risk in token markets. Finally, he critiques institutional allocators for over-relying on efficient markets, under-allocating to venture despite its role in driving future value, and positions his strategy as fully committed to early-stage blockchain and AI as the highest-returning segments. NOTABLE DISCUSSION POINTS:1. Innovation Threatens Incumbents, Benefits Disruptors: Major technological shifts, from the internet to blockchain and AI, create winners and losers. Incumbents often resist disruptive change because it threatens existing revenue models, while nimble startups and tech-first companies can rapidly capture new market opportunities.2. Venture Success Requires Navigating High Failure Rates: In early-stage investing, most portfolio companies will fail, often within the first 3–4 years. Returns are driven by a small number of outsized successes, usually via acquisitions rather than IPOs, requiring patience, resilience, and a disciplined investment strategy.3. Inefficient Markets Offer the Greatest Asymmetric Upside: Early-stage venture and emerging technologies like blockchain and AI are inefficient markets where superior access, insight, and execution can generate returns far above those available in traditional, efficient markets like public equities or bonds. TOPICSBlockchain Coinvestors, Band of Angels, AngelList, Blockchain Capital, Pantera, Sequoia, Andreessen, BlackRock, Fidelity, Blockchain, DeFi, Decentralized Finance, Investment, Venture Capital, Angel Investment, Fund of Funds ABOUT THE FINTECH BLUEPRINT🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV👉 Twitter: https://twitter.com/LexSokolin TIMESTAMPS1’33: From Consulting to Disruption: Matthew Le Merle on Pivoting from Advising Incumbents to Backing the Innovators9’56: From Angel Checks to Global Funds: Building One of the World’s Largest Blockchain Co-Investment Platforms16’50: Leveraging Top Venture Funds to Capture Blockchain and AI’s Biggest Winners: Evolving from Direct Deals to an LP Strategy24’50: The Emotional Reality of Venture Investing: Coping with Early Failures, Long Timelines, and Rare Big Wins32’13: Early Liquidity, Higher Risk: Why Most Token Projects Fail Without Ever Delivering Software35’20: Backing Winners in Inefficient Markets: What Makes a Venture Fund Worth Investing In42’59: Why Institutional Portfolios Miss the Future: The Case for Shifting Capital from Efficient to Inefficient Markets51’08: The channels used to connect with Matthew & learn more about Blockchain Coinvestors Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions. Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.Contributors: Lex, Laurence, Matt, Farhad, Mike, DaniellaWant to discuss? Stop by our Discord and reach out here with questions.
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    52 m
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