We are on the tip of the iceberg. We have no idea where this is going to end. It's endless the level of opportunities here, and it's going to need to be fueled with credit.

I think the key is to bring the approaches that have been here for millennia, but in reality, cross them also with the new technology. We don't have to have centralised banks performing all these kinds of operations or pawnshops, as we have in the past we can have this retail approach it is going to be a very interesting exploration that we are doing in other companies are going to explore the market also in bring completely marvellous solution.

So we are super excited in reality, on top of the innovation dream on top of building the next frontier for finance, it also has this deep meaning of helping people that work with different rules typically don't have access to banking. If we look into the most Western countries, this now is a niche product for very specific purpose. But in the future, we will have people on countries where this kind of solutions, help them maybe to fulfil the dreams that they have, can be life changing.

There is a mix, but the really large crypto holders tend to be ones who were just very early to the space. They are an underserved market and a lot of their holdings remain in crypto.

A lot of these people didn't get into crypto to then move back into fiat, they go into crypto because they think they're going to stay there for the rest of their lives. So it's more that they're dabbling in the world of fiat, but living their lives in crypto as opposed to the reverse. |That's the kind of odd customers that, I say odd customers, is the kind of customers that we're seeing that typical banks just don't have exposure to which I think will make it quite an interesting space in the future. Especially if they begin to move into the space themselves.

So in terms of our platform, we're only listing coins that we think are going to be around in 10-20 years time. And at the moment there's only three assets there. Bitcoin, Ethereum, what's called US dollar stable coins - which for 99% of crypto investors, that's enough. Bitcoin most people have heard about. Ethereum is a fascinating coin, all of the innovation, all of this decentralised financial products that you're seeing, that are appearing in the market, they're all being built on Ethereum, pretty much. All of the volume, all of the kind of innovation, all of the development that's going into building this crypto investing ecosystem is within the Ethereum blockchain.

Which is why a lot of analysts in the space are calling this year to be its breakout year where it's going to start really outperforming Bitcoin. But who knows, every time someone seems to say that Bitcoin seems to go up incredibly, but there's some solid use cases. And you can see in terms of the fees that miners are earning, they are 10 times the fees on the Ethereum blockchain this year than they did on the Bitcoin Blockchain. Ethereum is is the internet of money. This is all part of has it got valued over and above just being a speculative asset.