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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.

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 SoFi personal loan could consolidate all your high interest debt into one low interest monthly payment, helping you craft a roadmap 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/guyraz. Loans originated by SoFi Bank NA, member FDIC. Terms and conditions apply. NMLS696891. Fast funds term apply at sofi.com/guyroz.

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.

Debt can get messy fast. Different cards, different rates, and somehow you're paying more in interest than your actual balance. It gets overwhelming, and it feels hard to get ahead. That's where today's sponsor, SoFi, comes in. SoFi could help you take control and get your money right. It's the all in one finance app that helps you bank, borrow, and invest your money all in one place. With a SoFi personal loan, you can save big by consolidating your high interest credit card debt into one low fixed monthly payment with no prepayment fees and no late fees. You could borrow $5,000 up to a $100,000 as soon as the same day you sign. Or SoFi can pay down your credit cards directly. SoFi's already helped members pay off over 33,000,000,000 in debt. And it was named NerdWallet's best personal loan of 2025. And checking your rate won't impact your credit score. Head to sofi.com/cj to take control of your debt today. That's sofi.com/cj. Loans originated by SoFi Bank, NA member FTIC. Terms and conditions apply. NMLS six nine six eight nine one.

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.

I wanna tell you about the presenting sponsor of this podcast, Ramp. I have been reading a lot about SpaceX lately. SpaceX is one of the most valuable private businesses in the world and one of the main themes in the history of SpaceX is constantly attacking and questioning your cost. Ramp helps many of the most innovative businesses in the world do exactly that. The median company running on ramp cuts their expenses by five percent and one thing SpaceX has demonstrated is that a religious dedication to controlling costs can help actually increase revenue because you can pursue opportunities you couldn't otherwise And we see that in the ramp data too. The median company running on ramp also grows their revenue by 16%. So when you're running your business on ramp and your competitors are not, you have a massive competitive advantage that compounds over time. Ramp is the only platform designed to make your finance team faster and happier. Many of the top founders and CEOs I know run their business on Ramp. I run my business on Ramp and you should too. Go to ramp.com to learn how they can help your business save time, save money, and grow revenue. That is ramp.com.

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.

Fidelity has been researching and investing in blockchain since 2014, long before it was a headline. And they're hiring crypto and DeFi professionals to join their team and discover what's next in finance. Fidelity is looking for people with fresh perspectives from different backgrounds, whether it's tech, UX, or product design, whether you're crypto savvy or crypto curious, as long as you have the passion to make a real impact at a company striving to make finance accessible to all. Explore crypto careers at Fidelity today and make the decision that could change your future for the better. Visit crypto.fidelitycareers.com to learn more. That's crypto.fidelitycareers.com. Fidelity is an equal opportunity employer.

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.

Call Her Daddy is brought to you by SoFi, the all in one finance app where you can bank, borrow, and invest. Nobody really explains how your money is supposed to work for you. Right? You just put it into a savings account and assume that's enough. Right? But daddy gang, the average bank savings rate is 0.39% in interest, which basically means you're only earning pennies on your savings when it could be doing so much more. And that is where SoFi comes in. With SoFi's high yield checking and savings, the money sitting in your savings account right now can earn over eight times the national average with eligible direct deposit. And there is no account fees or overdraft fees, so you get to keep more of your money. You can also get your paycheck up to two days early. And when you sign up with eligible direct deposit, you can earn up to $300 welcome bonus, which we absolutely love to see. Okay? So if you're ready to get more out of your money, sign up for SoFi checking and savings at sofi.com slash call her daddy. SoFi checking and savings is offered through SoFi Bank, NA member FDIC. Terms apply.

Call Her Daddy is brought to you by SoFi, the all in one finance app where you can bank, borrow, and invest. Nobody really explains how your money is supposed to work for you. Right? You just put it into a savings account and assume that's enough. Right? But daddy gang, the average bank savings rate is 0.39 in interest, which basically means you're only earning pennies on your savings when it could be doing so much more. And that is where SoFi comes in. With SoFi's high yield checking and savings, the money sitting in your savings account right now can earn over 8 times the national average with eligible direct deposit. And there is no account fees or overdraft fees, so you get to keep more of your money. You can also get your paycheck up to two days early. And when you sign up with eligible direct deposit, you can earn up to $300 welcome bonus, which we absolutely love to see. Okay? So if you're ready to get more out of your money, sign up for SoFi checking and savings at sofi.com slash call her daddy. SoFi checking and savings is offered through SoFi Bank, NA member FDIC. Terms apply.

So coding agents are basically solved at this point. They're incredible at writing code. But here's the thing nobody talks about. Coding is maybe a quarter of an engineer's actual day. The rest is stand ups, stakeholder updates, meeting prep, chasing context across six different tools. And it's not just engineers. Sales spends more time assembling proposals than selling. Finance is manually chasing subscription requests. Marketing finds out what shipped two weeks after it merged. ZenCoder just launched ZenFlow work. It takes their orchestration engine, the same one already powering coding agents, and connects it to your daily tools, Jira, Gmail, Google Docs, Linear, Calendar, Notion. It runs goal driven workflows that actually finish. Your stand up brief is written before you sit down. Review cycle coming up? It pulls six months of tickets and writes the prep doc. Now you might be thinking, didn't OpenClaw try to do this? It did, but it has come with a whole host of security and functional issues, which can take a huge amount of time to resolve. ZenCoder took a different approach, SOC two type two certified, curated integrations, tighter security perimeter. Enterprise grade from day one. Model agnostic and works from Slack or Telegram. Try it at zenflow.free.