Ryan Wyatt

Speaker says, "who I envy the most out of all of them is I think Robinhood," praising their success in gaining user momentum and expanding services (credit card, 401k) over a user's lifetime. He views Robinhood as having successfully captured and retained a user base by evolving its product suite, creating a powerful lifecycle model. Robinhood represents a positive model of a consumer fintech platform that achieves deep user engagement and retention, making it an enviable and effective competitor. Intense competition from new entrants (like Cronos) targeting the next generation of users with different product philosophies.

Speaker states he has a "high degree of conviction that for the foreseeable future... the biggest disruption with blockchain and crypto is in finance," calling it a multi-trillion dollar industry. After exploring other blockchain sectors (gaming, social, NFTs), he concluded finance is where real product-market fit and distribution exist, leading him to join Cronos/Crypto.com. The finance sector is poised for the most significant and near-term value capture from blockchain technology, making it the primary area for disruption and growth. Regulatory crackdowns on crypto-based financial products, or failure to onboard the target Gen Z demographic at scale.