FUMO: Future Of Money Podcast

In this episode of FUMO, we explore stablecoins, tokenization, crypto security and the quantum threat to encryption. Joining us is John Andrews, CFO of Ledger, who shares how more than two decades at Morgan Stanley, Goldman Sachs, Citi and Deutsche Bank led him to Circle and then to Ledger.Learn why tokenized money can be stolen at machine speed, why a 2016 bank heist took weeks while a $280 million crypto exploit took 12 minutes, why security has to be built into hardware rather than software, and how Ledger plans to become core security infrastructure for an AI-driven, tokenized world.Hosts:Gaurav Dhar: / https://www.linkedin.com/in/fintechguydubai/• Ronit Ghose: / https://www.linkedin.com/in/ronit-ghose-86033610/Guests:John Andrews: / https://www.linkedin.com/in/john-a-88b884107/Subscribe to our Substack channel: https://substack.com/@futuremoneypod🙌 Sponsored by Capital.com. Thank you to Capital.com for supporting this season of FUMO! Thank you to Surfin.

In this episode of FUMO, we explore the intersection of Web3, artificial intelligence, real-world asset (RWA) tokenization, and institutional adoption. Joining us is Robby Yung, CEO of Animoca Investments, who shares how Animoca Brands evolved from a free-to-play video game company into a global ecosystem leader. Learn about how AI agents will transform digital commerce and payments, how $18 billion in US home equity loans are being tokenized for global investors, and Animoca’s strategic vision for public markets and Web3 expansion.Powered by capital.comThank you Surfin.

In this episode of FUMO, we explore building scalable fintech platforms, digital bank architecture, and path-to-profitability strategies. Joining us is Jayesh Patel, CEO of Wio Bank, who shares how he built Wio Bank from a blank page during COVID to serving half a million retail and business customers. Learn about early-stage startup culture, launching a game-changing 6% rate product, scaling through word-of-mouth referral, and his vision for the future of global banking.

In this episode of FUMO, we explore emerging market investing, operating, and building scalable fintech platforms. Joining us is Omair Ansari, Co-Founder and CEO of Abhi, who shares why he left Morgan Stanley to build a profitable digital bank spanning Pakistan, the UAE, Saudi Arabia, and Oman. Learn about raising money at the top of the cycle, strategic market exits, and his vision to build a single bank for emerging markets from Nigeria to Indonesia. 👇

What happens on the day quantum computers can break the encryption on your phone, your bank and your business?Steve Suarez, advisor to QuSecure, joins Ronit Ghose and Gaurav Dhar to talk Q-Day. The timeline has moved from 2040 to 2035 and now even sooner. He explains why the shift to post-quantum security is the largest cryptography upgrade in human history, bigger than Y2K, and why up to $2.7 trillion in quantum value could be created by 2035.🎙️ FU.MO: Future of Money is the weekly podcast on finance and future technology.📺 Watch the full episode on YouTube: youtube.com/@fumopodcast_Lead sponsor: Capital.com Thank you Surfin

In this episode of FUMO, we dive into quantum strategy, post-quantum cryptography (PQC), and the concept of "Q-Day." Joining us are Steve Suarez, former HSBC executive and MIT quantum strategy instructor, and Garfield Jones, former Associate Chief of Strategic Technology at the US Department of Homeland Security.Learn why data harvested today can be unlocked tomorrow and what steps organizations must take to stay secure.🎙️ Hosts:• Gaurav Dhar: https://www.linkedin.com/in/fintechguydubai/• Ronit Ghose: https://www.linkedin.com/in/ronit-ghose-86033610/👥 Guests:• Steve Suarez: https://www.linkedin.com/in/stevesuarez/• Garfield Jones: https://www.linkedin.com/in/garfield-jones-d-eng-0aba558b/🙌 Sponsored by Capital.com. Thank you to Capital.com for supporting this season of FUMO!Thank you to Surfin.

What does it take to build a fintech movement in the Middle East?This week on FUMO, we sit down with Nameer Khan, the driving force behind MENA Fintech Association — the region’s most influential fintech network. 💥We dive into:How to build ecosystems from scratch 🌍The mindset needed to unite founders, regulators, and investors 🤝Why MENA is exploding with fintech potential 🚀Lessons from launching multiple ventures and shaping policy at scale 🧠Whether you're a fintech founder, investor, or just curious about how financial systems are evolving — this one’s for you.🎧 Tune in now to get behind the scenes with one of the region’s most powerful ecosystem builders.#Fintech #MENA #Startups #FounderJourney #FUMOPodcast #NameerKhan #MiddleEastTech

Join hosts Ronit Ghose and Gaurav Dhar as they sit down with Ahmed Al Naqbi, CEO of Emirates Development Bank — the man behind the UAE’s boldest $30 billion bet on the future.In this episode, Ahmed reveals how EDB is rewriting the playbook on government-backed finance: zero-collateral funding, rapid approvals, and a laser focus on AI, biotech, space, and advanced manufacturing. If you’re a founder, this is your roadmap to unlocking capital in the UAE.We get into how EDB thinks like a VC, not a traditional bank — and why Ahmed is on a mission to fund the builders of tomorrow. He shares what startups get wrong when pitching, the power of sovereign backing, and how EDB is fast becoming the Gulf’s answer to Silicon Valley Bank.🎧 Tune in to discover how the UAE is financing its next economic leap — and why EDB might just be the most founder-friendly bank in the region.#startups #UAE #VC #innovation #futureofwork #manufacturing #AI

🎙 Scaling Smart: Fintech Lessons from Europe to Saudi ArabiaWhat separates productive fear from paralysing doubt when you're building at speed? How do you launch fintech propositions across borders, and make decisions with clarity under pressure?Join Ronit Ghose and Gaurav Dhar as they sit down with Sophie Guibaud, B2B fintech entrepreneur, advisor, and Co-Chair of the MENA Fintech Association (Saudi chapter), for a high-velocity episode of FUMO: Future of Money. Now based in Riyadh, Sophie shares candid, rapid-fire lessons from over 15 years in fintech, from scaling financial services across Europe to advising founders around the world. With deep experience in regulated banking, embedded finance, and Web 2.5/crypto rails, she unpacks what it really takes to build smart, fast, and with focus.🎧 In this episode:🚀 From Rocket Internet to regulated banking across borders🌍 Why Saudi Arabia is becoming fintech’s most dynamic frontier⚙️ Real-world use cases for crypto rails (beyond speculation)🤖 Gen Z vs Gen X: how different generations approach AI🧠 Founder mindset: when fear sharpens you — and when it clouds your vision📊 Prioritizing when everything screams “urgent”#ai #podcast #fintech #web3 #crypto #saudiarabia #business #entrepreneur #web3community #founder #millionaire #billions #bitcoin

Join hosts Ronit Ghose and Gaurav Dhar as they sit down with Serena from PwC—one of the sharpest voices shaping digital assets, blockchain regulation, and crypto compliance across MENA.From stablecoins to startup strategy, she breaks down how the UAE is becoming the world’s sandbox for Web3, and why traditional finance is finally embracing tokenization, transparency, and digital innovation.We explore:🪙 The real impact of stablecoins & local currency-backed tokens🏛 How regulation is accelerating digital asset adoption🌐 Why the UAE is emerging as the global hub for Web3🏗️ What fintech founders need to know to launch & scale🤝 The new dynamics between banks, regulators & crypto platforms🎧 Tune in to discover how MENA is shaping the next chapter of global finance.