FUMO: Future of Money Podcast

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.

Podcast hosts

Ronit Ghose

Global Head, Future of Finance at Citi

Ronit Ghose is the Global Head, Future of Finance, Citi’s think tank for the future of money and technology. Ronit’s current areas of focus include Digital Assets, the Metaverse, Web3, the applications of AI to Finance and other frontier topics. Previously, Ronit was Global Head of Banks and Fintech Research for Citi.

Ronit is an Advisor to various Governments, Universities, VC investors and tech firms in the UK, UAE and Africa. Prior to joining Citi, he worked at the British Bankers’ Association and was a research assistant in the UK Parliament for a former Prime Minister. He has an undergraduate degree from the University of Oxford & a postgraduate diploma from the University of London.

Gaurav Dhar

Group CEO of Marshal Fintech Partners

Gaurav is a seasoned leader in the FinTech industry and currently serves as the Group CEO of Marshal Fintech Partners in Dubai. He is also a board member of Deem Bank, The Mena Fintech Association and TiE Dubai.

With over 19 years of experience at Marshal, he has established himself as a pioneering force in the development of FinTech ecosystems and solutions. 

By devoting his personal time to working with innovators, he has built an extensive network of relationships with VCs, incubators, accelerators, start-ups, and angel syndicates, both locally and globally.

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