Fintech & Web3 Founders Podcasts Series

The Future of DeFi is Social | (with Stani Kulechov, Founder of Aave and Lens Protocol) | Web3

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Social and culture is a bigger addressable user market than finance and building a decentralised social network is a very topical project. 

In this episode, our star guest is Stani Kulechov, Founder of Aave and Lens Protocol. Stani discusses his entrepreneurial journey from dropping out of high school to building one of the leading DeFi protocols.

From the genesis of Defi to the growing adoption of decentralised Social Media, listen to Stani covering the different drivers of adoption and challenges of the current environment.


00:00 Introduction of Stani
1:41 Growing up in Finland in the 90’s
7:36 How deep did Stani’s interest in computers go?
13:03 How did Stani get interested in Fintech in high school?
17:40 When did he first come across Ethereum? What was the eureka moment?
22:18 What was the first take-off point for DeFi?
27:13 What’s been driving adoption of decentralised systems?
30:57 What’s the biggest challenge in the Web3 space?
36:33 Why do we need our own social media platforms?
41:52 Is the hype cycle of Web3 still there or is it gone?

Episode Guest

Stani Kulechov

Founder and CEO of Aave

Stani Kulechov is the Founder and CEO of Aave, an open source and non-custodial liquidity market protocol to earn interest on deposits and borrow assets. Stani was studying law at the University of Helsinki when he first got into Ethereum and he started exploring how it could impact the traditional financial system.

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Podcast hosts

Ronit Ghose

Ronit Ghose is the lead author of Citi’s GPS Bank of the Future and FinTech report series – the first edition has had more than 250,000 downloads making it the most read report ever published by Citi, and one of the most read FinTech reports ever published. Since joining Citi in 1997, Ronit has covered banks in the Americas, Asia and EMEA. He is the Global Head of Future of Finance in Citi Research. He is also an Advisory Board Member at the Centre for Finance, Technology, and Entrepreneurship. Ronit previously worked at the British Bankers’ Association and as a research assistant in Parliament. He has an undergraduate degree from the University of Oxford, a postgraduate diploma from the University of London and is a CFA charter holder.

Gaurav Dhar

Gaurav Dhar is the CEO of the Payments Solution Provider Marshal in Dubai. Gaurav has been working at Marshal for over 19 years now He strives to continually be on the frontier of building FinTech ecosystems and solutions. His personal time is spent on working with and investing directly in innovators, with a view to the future of Fintech both locally and globally via his cache of relationships which include VCs, incubators, accelerators, and start-ups and Angel Syndicates. In his position as a board member of the MENA FinTech Association and several advisory positions to international family offices, start-ups, and funds, he looks to grow the relationships within the FinTech and start-up ecosystem to contribute towards the education of budding disruptors and eventually the growth of economies and the job market where possible in the MEA Region and abroad.

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Fintech & Web3 Founders Podcasts

Hosted by Gaurav Dhar and Ronit Ghose

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