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Coin Stories is proudly brought to you by Gemini. Start your Bitcoin savings account today. Plus, investing in Bitcoin has never been easier thanks to Gemini's orange Bitcoin credit card. Earn up to 4% back in Bitcoin on everyday purchases like gas, dining, groceries, and more. No annual fee, no foreign transaction fees, and no exchange fees on your rewards. Head to gemini.com/natalie. Lenden just introduced their lowest rates ever. Fine print. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lend in's gold standard protection. Your Bitcoin stays custodied, never lent out. You can activate auto top ups and alerts so you're never caught off guard, and you can repay anytime with zero penalties. Lend in has processed over $10,000,000,000 in loans over the last eight years. Don't choose between a great rate and the safety of your Bitcoin. Get both at Lend in. Get a quarter percentage point off your first loan at leaden.io/natalie. I recently started mining with abundant mines, and it's opened up opportunities I hadn't fully considered before. Now I'm acquiring Bitcoin at a lower cost and helping secure the network along the way. Plus, there are major tax advantages. You own the machines, keep a 100% of the Bitcoin, and they handle everything on the operations side here in The US. If you're curious to learn more, head to abundantmines.com/natalie and get one month of free hosting.

Coin Stories is proudly brought to you by Gemini. Start your Bitcoin savings account today. Plus, investing in Bitcoin has never been easier thanks to Gemini's orange Bitcoin credit card. Earn up to 4% back in Bitcoin on everyday purchases like gas, dining, groceries, and more. No annual fee, no foreign transaction fees, and no exchange fees on your rewards. Head to gemini.com/natalie. Lenden just introduced their lowest rates ever. Fine print. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lend in's gold standard protection. Your Bitcoin stays custodied, never lent out. You can activate auto top ups and alerts so you're never caught off guard, and you can repay anytime with zero penalties. Lend in has processed over $10,000,000,000 in loans over the last eight years. Don't choose between a great rate and the safety of your Bitcoin. Get both at Lend in. Get a quarter percentage point off your first loan at leaden.io/natalie. I recently started mining with abundant mines, and it's opened up opportunities I hadn't fully considered before. Now I'm acquiring Bitcoin at a lower cost and helping secure the network along the way. Plus, there are major tax advantages. You own the machines, keep a 100% of the Bitcoin, and they handle everything on the operations side here in The US. If you're curious to learn more, head to abundantmines.com/natalie and get one month of free hosting.

Coin Stories is proudly brought to you by Gemini. Start your Bitcoin savings account today. Plus, investing in Bitcoin has never been easier thanks to Gemini's orange Bitcoin credit card. Earn up to 4% back in Bitcoin on everyday purchases like gas, dining, groceries, and more. No annual fee, no foreign transaction fees, and no exchange fees on your rewards. Head to gemini.com/natalie. Lenden just introduced their lowest rates ever. Fine print. The larger the loan, the lower the rate. These new rates apply to all new loans, refinances, and renewals with Lend in's gold standard protection. Your Bitcoin stays custodied, never lent out. You can activate auto top ups and alerts so you're never caught off guard, and you can repay anytime with zero penalties. Lend in has processed over $10,000,000,000 in loans over the last eight years. Don't choose between a great rate and the safety of your Bitcoin. Get both at Lend in. Get a quarter percentage point off your first loan at leaden.io/natalie. I recently started mining with abundant mines, and it's opened up opportunities I hadn't fully considered before. Now I'm acquiring Bitcoin at a lower cost and helping secure the network along the way. Plus, there are major tax advantages. You own the machines, keep a 100% of the Bitcoin, and they handle everything on the operations side here in The US. If you're curious to learn more, head to abundantmines.com/natalie and get one month of free hosting.

We'll get some more on this in just one moment. First, a lot of people think that investing is only for rich people. This is a dumb idea. It turns out that everyone thinks that you have to have everything figured out before you start investing. You need, like, a finance degree or a gigantic amount of money or you need to monitor the markets all day long like you're in Wall Street. Well, because of that, a lot of people delay investing for years, and that's one reason why apps like Acorns have become so useful. Acorns is a financial wellness app designed to make investing feel much more approachable. The idea is simply helping people start building healthier financial habits over time. One thing Acorns does very well is making the process feel manageable. You can sign up in minutes, connect your cards, automatically invest spare change through their roundups feature, where everyday purchases get rounded up and the difference gets invested automatically.

Now summer's almost here, which means the arrival of vacation season. You don't wanna ruin your big trip worrying about money, which means you need Monarch. Monarch is the personal finance app that tracks everything, accounts, investment, savings, goals, and spending. And here's the great news. You can get your first year of Monarch Core for half off, just $50, if you use the promo code deep. Now most apps just tell you what you already spent, but Monarch goes beyond that to help you set goals, map out big purchases, and see if you're actually on track for your savings objectives, including that special vacation that you've been daydreaming about. Now here's something I really like about Monarch. They're AI assistant, which you can ask anything about your own finances, like, how much did I spend on travel last summer? It's like having a dedicated financial adviser available twenty four seven. Now if you use code deep at monarch.com, you will get your first year of Monarch Core half off at just $50. That's 50% off your first year at monarch.com with code deep.

If you're a finance professional, you know the month end nightmare chasing down missing receipts and fighting with outdated tools that your employees hate using. It's time to enter the era of Navan. Navan is an AI powered travel and expense platform that gives you control and real time visibility into every dollar spent. The experience is seamless for employees too. They can book a trip in just seven minutes, which is a fraction of the forty five minute industry average. Because the AI handles policy enforcement automatically, you can finally focus on driving business impact instead of manual data entry. How does saving up to 15% on your total travel budget sound? Pretty good? Well, that's why the world's best companies like Visa, Figma, Stripe, and Anthropic already have made the switch. Visit nivan.com/20vc to get started and enter to win two business class flights anywhere in Continental US.

Once Navane simplifies the travel, Airwallex simplifies the spend behind it. Founders, let's get real about the growth tax. You've raised VC funding and you're scaling globally, and it's no longer about shipping product. It's about orchestrating operations across continents. But suddenly, your payments and finance stack is choking your growth. You're logging into lots of different banking portals, waiting days for transfers, and reporting across entities. It's operational drag, and it's at your scale. It's costing millions. That's why I'm so excited to partner with Airwallex. Airwallex are more than just a banking alternative to HSBC or Citi. Airwallex brings you an intelligent financial operating system that powers how global businesses operate and grow, allowing you to manage and automate banking, treasury, payments, and spend. The most exciting part for me, they're heavily investing in agentic finance. If you're scaling globally, you need a banking and finance platform that's borderless, real time, and intelligent. Check out airwallets today and see how they're helping thousands of businesses like Canva, McLaren, and Deal. Scale at airwallex.com/20vc.

Once Navane simplifies the travel, Airwallex simplifies the spend behind it. Founders, let's get real about the growth tax. You've raised VC funding and you're scaling globally, and it's no longer about shipping product. It's about orchestrating operations across continents. But suddenly, your payments and finance stack is choking your growth. You're logging into lots of different banking portals, waiting days for transfers, and reporting across entities. It's operational drag, and it's at your scale. It's costing millions. That's why I'm so excited to partner with Airwallex. Airwallex are more than just a banking alternative to HSBC or Citi. Airwallex brings you an intelligent financial operating system that powers how global businesses operate and grow, allowing you to manage and automate banking, treasury, payments, and spend. The most exciting part for me, they're heavily investing in agentic finance. If you're scaling globally, you need a banking and finance platform that's borderless, real time, and intelligent. Check out airwallets today and see how they're helping thousands of businesses like Canva, McLaren, and Deal. Scale at airwallex.com/20vc.

First, a lot of people think that investing is only for rich people. This is a dumb idea. It turns out that everyone thinks that you have to have everything figured out before you start investing. You need, like, a finance degree or a gigantic amount of money, or you need to monitor the markets all day long like you're in Wall Street. Because of that, a lot of people delay investing for years, and that's one reason why apps like Acorns have become so useful. Acorns is a financial wellness app designed to make investing feel much more approachable. The idea is simply helping people start building healthier financial habits over time. One thing Acorns does very well is making the process feel manageable. You can sign up in minutes, connect your cards, automatically invest spare change through their roundups feature, where everyday purchases get rounded up and the difference gets invested automatically. Acorns also lets users set up recurring investments starting at just a few bucks and choose from diversified portfolios based on different goals and risk preferences. Financial wellness is all about sustainable habits. Acorns also keeps everything centralized in one place, which matters because most people already feel overwhelmed by financial information.

The cognitive revolution is brought to you by Mercury, the fintech that more than 300,000 ambitious companies and individuals trust to run their finances. Over the last few months, I have made tremendous strides with my personal AI infrastructure. Today, I've got high context instances of both Cloud Code and OpenClaw running on a Mac mini, and it's amazing what they can do. However, until getting started with Mercury, I didn't have a great way for them to pay for things. I didn't want to give them unrestricted access to my money, but my old bank didn't give me any other options. With Mercury, I can create as many virtual cards as I want, each with its own daily, weekly, or monthly spending limit, and I can lock any card to a single category of purchase or even a single merchant. Now, I have a card that my agent can use to buy our family's groceries and only our groceries, And I can create another anytime I want to give an agent a random one off project that might require making a purchase. This is honestly just the start of Mercury's AI friendly offerings. Does your bank offer API keys, an MCP, or a CLI tool? If not, check out Mercury at mercury.com. Mercury is a fintech company, not an FDIC insured bank. Banking services provided through Choice Financial Group and column NA, members FDIC. Thank you to Mercury for supporting the cognitive revolution.

We'll get some more on this in just one moment. First, a lot of people think that investing is only for rich people. This is a dumb idea. It turns out that everyone thinks that you have to have everything figured out before you start investing. You need, like, a finance degree or a gigantic amount of money, or you need to monitor the markets all day long like you're in Wall Street. Because of that, a lot of people delay investing for years, and that's one reason why apps like Acorns have become so useful. Acorns is a financial wellness app designed to make investing feel much more approachable. The idea is simply helping people start building healthier financial habits over time. One thing Acorns does very well is making the process feel manageable. You can sign up in minutes, connect your cards, automatically invest spare change through their roundups feature where everyday purchases get rounded up and the difference gets invested automatically. Acorns also lets users set up recurring investments starting at just a few bucks and choose from diversified portfolios based on different goals and risk preferences. Financial wellness is all about sustainable habits. Acorns also keeps everything centralized in one place, which matters because most people already feel overwhelmed by financial information. Sign up right now. Acorns will boost your new account with a $5 bonus investment.

This episode is sponsored by Smart Travel, a new podcast from NerdWallet. You know that one friend who always finds the best travel deals, picks the right cards, and somehow ends up in first class for the price of Coach? How do they do that? Well, smart travel is like that, friend, but in podcast form. They cover all things travel finance, like which travel cards earn their keep and which are just heavy, shiny metal, and planning group trips that won't ruin your budget or your friendships.

Speaking of which, I'm going to plug DAS, Blockworks DAS. So there's DAS Asia on October 7 in Singapore and then DAS London in November tenth to eleventh. These are, in my opinion, the best institutional high signal events of the year, and there's early pricing available right now. And as always, and I don't I don't like when people message me on LinkedIn the day before, the week before. Tickets will sell out, and I will not be able to help you out so clue so close to the time. So please try and try and get there early, and and that's that's it for my little plug.

Success is a journey, especially when it comes to your finances. One of the most common obstacles in our financial journey is dealing with high interest debt. It can often leave people feeling trapped, but it doesn't have to. If you're dealing with high interest debt, there is a way forward. A personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a road map to paying down your debt. It even comes with no fees required, getting you a financial win right away. Keep pushing on your journey to financial success. You could even get as soon as the same day funding. View your rate for a SoFi personal loan at sofi.com/guyroz.

Joe, here's a question for you. What if the entire cybersecurity industry has been doing it wrong? The entire industry. That's a bit of a stretch, isn't it? Well, that's the argument Benny Charney makes in his new book, Cybersecurity Upside Down. Benny is the founder and CEO of OPSWAT. He spent more than two decades protecting critical infrastructure, you know, nuclear facilities, defense networks, energy grids, the stuff that quite literally keeps the lights on. Okay. So what's his big idea? Well, he says the industry is obsessed with detecting threats, but detection can never be perfect. One dodgy file slips through, and your network is Toast. I like Toast. So what's the alternative? To Toast? No. To detecting threats. Oh, well, how about not even trying to spot the malware? Instead, take files apart, throw away anything that isn't strictly needed, and rebuild a clean version from the safe bits. The user gets a sanitized working document. The malware ends up in the bin. But hang on. Who decides what's safe? That's the clever part. You do. Macros might be allowed for your automation team but stripped out for finance. JavaScript ripped out of every PDF everywhere. Exif data scrubbed from images leaving HR. It's not an on off switch. It's a policy that you can tune to your business. So even a brand new attack no one's ever seen before. Doesn't survive the rebuild. Exactly. There's nothing to detect because it's already gone. Whether you're a security pro, an executive or just someone who wants to understand what's already going on in cybersecurity, cybersecurity upside down is technical enough for the experts but also accessible enough for the rest of us. Go and grab your copy right now at smashingsecurity.com/upsidedown.

Finding a skilled hire takes more than just reviewing a resume. You know what I mean? You can't just go bleep bleep bleep bleep. That doesn't get it done. As AI raises the bar on how experience is presented, hiring managers need better ways to evaluate skills and fit. That's where Robert Half can help. Their recruiters combine their expertise with award winning AI to review what's behind every application quickly, and that's important, quickly. Who's got time these days? No one. Learn how they can help you find specialized talent in finance, accounting, technology, and more at Robert Half. They know talent. Visit roberthalf.com/talent today.

This episode is brought to you by Lloyds Business and Commercial Banking. One of the great things about finance is that it may result in you having to pay tax. And this was a constant grumble in Anglo Saxon England, which was the most heavily taxed country in the whole of Christendom. And just when the Anglo Saxons thought it couldn't get any worse, they got conquered by King Canute, and Canute imposed a tax rate that was effectively 100%. Yeah. Well, that was one very big change, Tom. But another tax change is upon us. And this is the advent of making tax digital for income tax. And if you're at all concerned about it, this is where Lloyds come in because they are here to help make that change much simpler for you with a useful HMRC recognized accounting tool that will help you stay in line with all the making tax digital requirements. And the brilliant thing about this is that it is free for Lloyds business account customers. So when it is time to digitize your income tax, you can bank on Lloyds. Search Lloyds business accounts to find out more.

Ask yourself, what are your best people spending their time on right now? Expense reports, receipt chasing, month end close that takes weeks? You become what you spend on, and that's not what you're building toward. Brex is the intelligent finance platform that eliminates that work before it starts. AI agents that handle the manual stuff automatically so your team can spend their time on what actually compounds. It's time to get Brex AF. Learn more at brex.com/af.

Felix by Rogo is a personal finance agent that turns a single prompt into finished client ready work using your firm's own templates, context, and standards. Send Felix an email like, take these comments and turn them for me, or update my tracker with the context of these emails, or run the ability to pay math on this buyer, and Felix sends back finished PowerPoint decks, Excel models, and sourced research. Felix works the way your team already does, delivering work quickly and accurately around the clock. Learn more at rogo.ai/felix.

This episode is sponsored by Smart Travel, a new podcast from NerdWallet. You know that one friend who always finds the best travel deals, picks the right cards, and somehow ends up in first class for the price of Coach? How do they do that? Well, smart travel is like that, friend, but in podcast form. They cover all things travel finance, like which travel cards earn their keep and which are just heavy, shiny metal, and planning group trips that won't ruin your budget or your friendships. So travel smarter and spend less. That's the key with help from NerdWallet. Follow smart travel wherever you get your podcasts.