He expects tokenization to evolve into a superior product for retail investors in terms of functionality within the next year.

“So now you're in you're at the point where if you buy something that's tokenized, maybe it's a little clunky and it is slightly worse, as a product than if you have the traditional, equity. Right? If you have access to that, some people don't have access to it. So it's actually much better for them.”

The transition from physical to digital payments is being rapidly accelerated by the COVID-19 pandemic to ensure health and safety.

“there is no question right now that you will see an acceleration of the demise of cash. Last year, you had over 18 trillion dollars of cash spent at retail. Eighty-five percent of the world's transactions today are done in cash still. But the really big change right now towards digital payments”

Financial services firms are adopting AI technology more aggressively than most sectors due to the complexity of their operations.

“strangely you know like in my earlier story like you know finance was the late adopter to the cloud. Finance is the early adopter for AI >> um in a big way and I think that just because of how much operational complexity uh there is that there really was no answer until now”

The user should utilize the report an issue button within the platform to provide direct feedback to the design team regarding the software experience.

“you can give feedback to the design team with this button right here report an issue. So if there's something you like dislike, you know, you want the the earnings like I'm going to give you kind of like uh the earnings and sales across the bottom.”

Linus believes developers should have the option to use third-party payment processors or their own systems to avoid the high costs of mandated platform payment systems.

“I would even be okay if it was the only payment processor on the app store as long as I was able to make it cost more because it costs more or if they let us have them in parallel I would still be happy having the apple one there and no messaging telling people not to use it but clearly displaying t”

Bitcoin allows for the de-institutionalization of finance, enabling direct peer-to-peer economic activity without the need for traditional financial intermediaries.

“this is a system that allows us to not have financial institutions it's it de-institutionalizes finance”

Fintech companies should be viewed as providing software to simplify and streamline user financial management rather than just offering traditional banking utility.

“I think of products as like what's the software we can provide to make your life easier”

The current financial technology landscape, including crypto and AI, is dominated by a specific nexus of venture capitalists and former intelligence-connected figures using a model to privatize public

“this whole model is not new. Um something starting in in DARPA and then getting spread out into the private sector. And very specifically, we describe a new model in this piece, which I'm sure we'll get into, but this idea of the Napsterization model”