The MoneyPot

In this episode of The Money Pot, host Oliver Smith sits down with Terry O'Neil, Chief Commercial Officer at Pagaya, live from Money20/20 USA in Las Vegas, to explore how AI-led lending is transforming the relationship between banks, borrowers, and capital markets.Terry, who spent over two decades at Citi before joining Pagaya, shares what drew him to the company and explains how Pagaya's network allows banks to approve more customers responsibly without taking on additional balance sheet risk. The conversation dives into why banks struggle to say yes to near prime and subprime borrowers, how Pagaya's API-based integration works invisibly behind the scenes so the customer experience remains entirely within the bank's own branding, and why that seamlessness matters so much, particularly in emotional moments like debt consolidation.Terry also unpacks Pagaya's approach to risk, including how the company uses alternative data sources and insights drawn from four trillion dollars in lifetime application data to responsibly expand credit access while maintaining a highly selective approval rate. He explains the commercial model for banks, built around fee-based revenue and customer lifetime value rather than interest income alone, and discusses how Pagaya's network of more than 150 institutional investors provides the stability needed to navigate changing economic cycles.The episode closes with Terry's practical advice for bank leaders: look at the balances your customers hold elsewhere, keep the user experience seamless, and never stop at the loan itself. Build a long-term cross-sell strategy because the customers you almost missed may turn out to be your most valuable.Pagaya: https://pagaya.com/Follow Terry: https://www.linkedin.com/in/terrenceoneil/Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

Can blockchain fix the trust gap in emerging-market lending? In this episode of The Money Pot, host Oliver Smith sits down with Doug Ricket, Founder and CEO of PayJoy, to explore how the company is using smartphones as digital collateral to bring credit access to the global south. Doug explains how PayJoy turns a phone into a trust mechanism, locking it when payments are missed and unlocking a path to a first credit history and credit card for customers across Mexico, Brazil, India, South Africa, Indonesia, and beyond.The conversation goes deep into PayJoy's half-billion-dollar PayJoy Asset Fund and the two blockchain innovations launching this month: an attestation protocol that hashes and publishes the company's loan tape to prevent double pledging, and a tokenization system that gives fund investors same-day liquidity instead of waiting a full quarter for redemptions. Doug also unpacks how currency risk is hedged, how PayJoy is expanding into new regulatory markets like India and Ecuador, and why stable coins in markets like Mexico remain surprisingly underdeveloped relative to the US. Doug closes with reflections on default risk, how PayJoy pools collateral rather than tokenizing individual loans, and the vision of connecting global wealth holders directly to the three and a half million borrowers who rely on PayJoy for affordable access to capital.PayJoy: https://www.payjoy.com/Follow Doug: https://www.linkedin.com/in/dougricket/Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

Join us for an insightful conversation with Keith Grose, Regional Managing Director, UK & Europe at Coinbase (promoted from Senior Country Director UK in July 2026), recorded live at Money20/20 Europe in Amsterdam. In this episode of The MoneyPot, Keith sits down with host Dhanum Nursigadoo to explore the rapidly evolving landscape where traditional finance and decentralized finance converge.Keith shares his perspective on how regulation is becoming the bridge that connects TradFi and DeFi, discussing the transformative impact of frameworks like the UK's upcoming crypto regulations, MiCA in Europe, and the Genius Act. He reveals why the next two years will be among the most exciting in crypto history, as stablecoins gain mainstream adoption and blockchain infrastructure becomes embedded in everyday financial services.The conversation delves into the future of money movement, exploring how stablecoins are revolutionizing cross-border payments, why agentic AI and programmable money are unlocking new possibilities for microtransactions, and how tokenization of real-world assets will democratize access to global markets. Keith also discusses Coinbase's strategy of offering both crypto-native and traditional financial services, from FSCS-protected savings accounts to crypto lending, all within a single platform.Whether you're a crypto enthusiast, a traditional finance professional, or simply curious about the future of money, this episode offers valuable insights into how blockchain technology is reshaping financial services—often in ways users won't even notice.Key Topics Covered:The closing gap between traditional finance and DeFi through regulationStablecoins as the infrastructure for cross-border payments and agentic commerceHow AI agents are driving demand for programmable money and microtransactionsThe convergence of embedded finance across crypto and traditional platformsTokenization of real-world assets and its impact on market accessibilityBuilding trust through regulatory compliance and customer experienceFollow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

Join us for The MoneyPot Live from Money20/20 Europe, where three Chief Revenue Officers discuss the evolving role of revenue leadership in fintech.Money20/20 host Stephen Slattery speaks with Phoebe Wallis (Griffin Bank) and Meryem Habibi (Bitpace) about what it means to be a CRO today.Key Topics:The Modern CRO RoleWhy CROs are "growth architects" coordinating across all business functionsHow the role extends beyond sales to customer success and strategic alignmentNavigating ChallengesBalancing revenue growth with profitabilityAdapting to evolving regulations in crypto and embedded bankingThe critical need for strategic flexibilityBuilding TeamsEssential traits: curiosity, resilience, and problem-solving abilityWhy understanding customer pain points trumps product expertiseAI in SalesHow AI empowers teams without replacing human connectionPractical tools for prospecting, coaching, and risk managementAdvice for LeadersWhy CROs must be involved in strategy, not just executionThe importance of trust between founders and revenue leadersEssential listening for founders, revenue leaders, and anyone interested in fintech sales transformation.Griffin Bank: https://griffin.com/Follow Phoebe: https://www.linkedin.com/in/phoebe-wallis-6758a0a4/Bitpace: https://www.bitpace.com/Follow Meryem: https://www.linkedin.com/in/meryem-habibi/Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

Join us for an insightful conversation with Mark Brant, Chief Payments Officer at NatWest, as we explore the rapidly evolving payments landscape from Money20/20 Europe in Amsterdam. In this episode, Mark shares his expert perspective on the transformation reshaping how money moves around the world.Key Discussion Points:The complexity of modern payments and why old methods aren't being retiredRegional innovation: Asia's super apps, Latin America's stablecoins, Europe's fragmented railsDigital assets and tokenization in commercial and trade financeOpen banking, smart data, and AI as the next frontierCustomer-centric innovation focused on solving real problemsBalancing rapid tech advancement with regulatory requirementsMark emphasizes that while technology evolves rapidly, successful adoption requires collaboration across banks, central banks, and payment networks. He provides a realistic view of the five-year horizon, noting that distribution and customer habituation of new payment methods takes time, even as the underlying technology advances at pace.NatWest: https://www.natwest.com/Follow Mark: https://www.linkedin.com/in/markbrant/Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

Join Luca Prosperi, Co-Founder and CEO of M0, for a deep dive into how stablecoins are revolutionizing finance. Recorded live from Money20/20 Europe, this episode explores why digital money is becoming the new backend of financial infrastructure.Luca challenges the notion that stablecoins are just branded tokens, arguing they represent a fundamental redesign of the financial stack. Discover why major brands like MoneyGram are building their own digital money infrastructure instead of relying on white-label solutions.Key Topics:How stablecoins evolved from crypto trading tools to comprehensive financial infrastructure in under five yearsWhy businesses need control over their money stackThe shift from bank deposit-centric to wallet-centric economiesHow regulatory clarity is accelerating mainstream adoptionUS Treasury predictions: dollar stablecoins surpassing $2 trillion by 2028M0: https://www.m0.org/Follow Luca: https://www.linkedin.com/in/lucaprosperi/Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

Join us for the latest episode of Money Pot recorded live at Money20/20 EU in Amsterdam, where we explore Asia's fast-moving payments world with someone who really knows it.Oliver Smith, Head of Content, sits down with James Lloyd, Senior Director, International from JUSPAY, who spent over a decade in Hong Kong working across Asian markets. James shares what's really happening with payments across the region—and why it's more complicated and interesting than you might think.What We Talk About:Why each Asian market is different—China's super apps, India's UPI, Thailand's PromptPayProject Nexus and connecting instant payment systems across bordersCould stablecoins solve cross-border payment problems?Why super apps like WeChat work in China but won't work in EuropeThe real challenges with moving money between countriesWhat Europe can learn from Asia's payment success storiesWhy customer experience matters more than infrastructureGuest: James Lloyd, Senior Director, International, JUSPAYhttps://juspay.io/usFollow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

As digital commerce becomes increasingly global and always-on, traditional payment infrastructure is struggling to keep pace. A new generation of programmable settlement networks is emerging to enable real-time value transfer across borders, assets, and platforms. In this episode, Richard Astle explores how modern payment networks are reshaping the movement of money by enabling faster settlement, reducing counterparty risk, and unlocking new financial experiences. From stablecoins to embedded wallets and programmable payment rails, we unpack why the next phase of global payments will be defined by interoperable networks rather than isolated financial systems.Guest: Richard Astle, Vice President, Head of Network at FireblocksFollow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

What happens when money becomes machine-readable? As AI shifts from chat to action, agents can move value safely and autonomously. Eric Cheung, Ecosystem Lead at Morph, maps the landscape of regulated stablecoins, intent driven transactions, and the guardrails that keep autonomy safe. We explore practical use cases, from cross border SME treasury to consumer “personal CFOs”, and the outcomes they deliver: faster settlement, fewer reconciliation breaks, and clearer auditability. Listeners leave with a simple framework to pilot agentic finance now.Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20

What happens when the person writing financial regulations has actually lived under them? In this episode of the Money Pot LIVE from Money2020 Asia, host Scarlett Sieber sits down with Robert Troy, Ireland's Minister of State for Financial Services, for a conversation that bridges the often-divided worlds of policy and entrepreneurship.Minister Troy's journey is unique: at 21, he was managing customer relationships at a bank branch. He later ran his family's post office and built his own business in rural Ireland—experiencing firsthand the weight of compliance and the real-world impact of regulatory decisions. Now, he's leading Ireland's financial services strategy and modernizing the sector.What You'll Learn:How Ireland's Innovation Hub (600+ companies engaged) and Sandbox guide rather than gatekeepWhy some friction between regulators and industry is healthy, but collaboration is essentialPractical Founder Advice: Engage early with regulators—quality regulation becomes your competitive advantageHow proportionate regulation considers company size and risk levelsIreland's Investment Challenge: Shifting from a nation of savers (€180B in low-yield accounts) to investorsThis conversation humanizes policy, offering founders a roadmap for engaging with regulators constructively while reminding policymakers that the best regulation comes from understanding real-world business impact.Recorded live from Money2020 Asia in Bangkok, following Minister Troy's participation in Policy20.Follow Money20/20:YouTube: @Money2020TvLinkedIn: https://www.linkedin.com/company/money2020/Instagram: https://www.instagram.com/money20_20Facebook: https://www.facebook.com/Money2020X: https://www.twitter.com/Money2020TikTok: https://www.tiktok.com/@money20_20