How are businesses changing now that Bitcoin and blockchain are here? What businesses are most affected? Which businesses are at risk? Which will thrive?

046. Leading Information Democratization w/ Anthony Di Iorio

Anthony Di Iorio, co-founder of Ethereum, award-winning entrepreneur, and CEO of Decentral talks about freedom, liberty and impact on this week’s podcast.

045. Governance, Self-Sovereign Identity and Ethics in Blockchain Tech w/ Elizabeth Renieris

Elizabeth Renieris, a crypto and blockchain lawyer educated at Harvard and London School of Economics speaks about identity and data privacy in the crypto and blockchain space.


The best of the best. Blockchain experts share their ideas, their big picture thinking around what’s going on in the blockchain ecosystem.

042. Blockchain Visionaries and The Journey with Mann Matharu

Mann Matharu, blockchain consultant and author, was inspired by Satoshio’s Bitcoin Whitepaper. He felt it outlined a system in line with human nature, because isn’t more transparency and immutability what we all want?

040. The Power of Community in Cleveland

The blockchain community in Cleveland is exploding. Bernie Moreno, government, CEOs and startup founders are diving into blockchain and Blockland Cleveland.

039. 5×5 (2) – Five Questions. Five Guest Interviews.

“The requirements for skills are changing so quickly that the only real characteristic you can have is a desire to constantly be learning and constantly be upgrading your skills. Anybody who thinks that they’re going to come into their career with the same skills that they’re going to leave their career in this generation, they’re going to be caught off guard. So, it’s adaptability and a willingness to constantly evolve as a person.”

– Matthew Spoke

In this compilation podcast, I talk to Susan Oh, Matthew Spoke, Anu Bhardwaj, Betsabe Botaitis, and Eman Pulis.

Aside from all things blockchain and crypto related, what else makes these forward-thinking, big-picture seeing, crypto dynamos tick? How do they look at the world and what’s some advice that they can give the rest of us who are trying to grow or do better or learn some insights?

I got to ask these five successful thought-leaders about things like: challenges they’ve overcome, an important character trait that would be helpful for someone entering the workforce, and what they’re looking for in a city if they could create one themselves.

Each of these five different podcast guests answered the same five questions.

1. If someone’s completely new to the world of cryptocurrencies and blockchain technology, what would you like them to know?
2. Looking back, what was one of the most challenging things you faced in your career and how were you able to overcome it?
3. What would you say is the most important character trait that someone who’s about to enter the workforce should possess?
4. If you could create your own city or town, what are three key elements you would want to include?
5. LOVE, MONEY, + INFLUENCE — can you rank them in order of importance and explain?


Susan Oh, Co-chair of AI

Blockchain for Impact

Matthew Spoke, Founder

AION Foundation

Anu Bhardwaj, Founder  

Women Investing In Women DIGITAL

Betsabe Botaitis, Co-founder, CFO, + COO


Emanuel Pulis, Founder + CEO

Malta Blockchain Summit

038. 5×5 – Five Questions. Five Guest Interviews.

“Most people can’t keep showing up to anything. I think that your ability to show up and keep showing up and, and outwork, everybody else is everything. I also want to comment that I think for young people listening to this podcast in their 20s and they’re getting going, there’s this horrible pressure that I did not have that they have that you have to be part of a startup be crazy successful, have a non-profit, intern at the White House… stop it. Slow down. Do one thing well.”

– Michael Hyatt

What if I could get five of the coolest, forward-thinking, big-picture seeing, crypto dynamos together in one place and pick their brain about things that are blockchain related, and not?

I’d want to ask them about some challenges that they’ve overcome. I’d ask if someone’s new to crypto, where should they start to wrap their head around Bitcoin, blockchain and this whole new crypto world. And I’d want to know what’s most important, from their perspective — Love, Money or Influence.

Well, in this compilation podcast, I’m bringing you five different podcast guests who’ve all answered the same five questions.


1. If someone’s completely new to the world of cryptocurrencies and blockchain technology, what would you like them to know?
2. Looking back, what was one of the most challenging things you faced in your career and how were you able to overcome it?
3. What would you say is the most important character trait that someone who’s about to enter the workforce should possess?
4. If you could create your own city or town, what are three key elements you would want to include?
5. LOVE, MONEY, + INFLUENCE — can you rank them in order of importance and explain?


Sandra Ro

CEO of the Global Blockchain Business Council

Bruce Silcoff

CEO of Shyft Network

Hartej Sawhney

Co-founder of Hosho

Michael Hyatt

Co-founder of Blue Cat

Bernie Moreno

Blockland Cleveland

036. Smart Contracts and Wise Women with Alexandra Levin Kramer

“I think the Wild West of non-compliant token sales is over, thankfully. I think from a securities law perspective, it’s very exciting actually because it’ll make the capital markets more accessible. We talk a lot about financial inclusion in the blockchain industry, and I think this is actually it. With a caveat that it still has to be compliant with securities laws.”

Alexandra Levin Kramer has three degrees, which is probably a huge help since she’s working on three different enterprises in the blockchain space right now. She’s a practicing lawyer and partner at CKR law in NYC and the Founding Chair of its Blockchain Technology + Digital Currency practice group. She also co-founded Women On the Block, which hosts blockchain conferences around the world. And, she’s Co-founder of that uses blockchain technology to enable freelancers and employers to interact peer to peer through its decentralized platform.

Women on the Block
Alexandra has been in the space for a few years now, but this past January when there was negative press about the crypto space that emphasized lambos and yachts with party girls, making it look like the blockchain world was a boys club, it bothered her. That wasn’t her experience and she thought if she, as a female had been just starting her career and had that impression, that she would have run for the hills. So she wanted to do something about it. So she co-founded Women On the Block, to welcome women into the space and promote diversity in blockchain.
Through learning about the power of blockchain – she even took a coding course – and realizing that it can have a huge impact, Alexandra decided to create her own blockchain startup. uses decentralization and the ability to validate on a blockchain to put employee history verification into code that will allow easy access to an online market of employees.

Smart Contracts

One of the points she makes about smart contracts is that they are really just a starting point.

“In an actual legal agreement, you can’t cover every possible contingency and similarly in a smart contract, there are going to be things that happen that are not foreseeable under the code. That’s where other issues like governance and some degree of centralization will have to come in, but I think the potential is fantastic and I’m all for more efficiency, lower legal fees, lower legal costs. I think that’s better for everyone.”

Alexandra believes that some good use cases for smart contracts will be lease agreements, and employment and freelancer agreements.

She also talks to me about the differences between men and women. One of the things she mentions is that “women have a reticence to try new things or go out of their comfort zone.” And she also argues that there are studies that show diversity is an indicator of profitability.

What she recommends generally as that we make our own opportunities, learn something new every day. And she says she tries to live by a Jewish saying “Who is a wise person? One who learns from everyone.”

We also talk about:
• Security tokens and the SEC
• Intellectual property rights
• Smart contracts on public or private blockchain
• Lawyers and developers speaking the same language
• AI learning to automate dispute resolution

Women on the Block
Blockchain Conference in Singapore
Wednesday, November 14, 2018

CKR law

Made it to Top 25 of Richard Branson’s Extreme Tech Challenge competition.

034. Adaptability and Helping to Build the Decentralized Internet w/ Matthew Spoke

“There’s lots of evidence today that online and in our digital lives, which is increasingly most of our lives these days, there’s just a whole bunch of things that are broken. Things that we’ve accepted as normal. Things that we’ve come to see as the status quo. And, nobody’s questioned is it ok that I have to make the trade-off of free online services for personal private data.”

Matthew Spoke, Founder of Aion, talks to me about the original intentions of the internet. It started off as a peer to peer and it became centralized. But, blockchain technology is levelling the playing field and anyone can have the opportunity to sell a successful product or service and Matt says we can all collectively can own the next version of the internet.

What does it mean now that the internet can become decentralized? What will it mean when greater financial democracy is accessible around the world. What will it mean for government policy as the technology that crosses borders becomes mainstream?

“Decentralized networks are the future infrastructure of the world.” So where is the world headed?

“People are asking what’s the killer app of decentralization? It’s not really an app, it’s a social structure. It’s re-evaluating how we make decisions and how we coordinate with people”

Decentralization is democratizing opportunity.

He says, often we don’t talk about crypto in the right context. Instead of talking about what crypto allows to be built, we too often talk about market caps and speculation. But “crypto is the economic engine that makes these networks possible and if that’s true, than there’s no financial cap”.

So the executive chairman of Cisco valued the internet as worth $19 trillion, but Matt says that that figure doesn’t factor in the value of what’s being transferred over the internet. So the decentralized internet, the internet of value, web 3.0 will be worth even more.

We also get into how Matt went from being an employee at Deloitte to leading an R+D team focussed on Bitcoin and the underlying technology to leaving and co-founding his own successful and thriving blockchain company, even though he says at the time, taking the leap was “terrifying”.

One of the topics he believes isn’t addressed head on enough in this space is around for-profit crypto companies and their driving motivations. He believes there’s a conflict of interest that’s inherent in having token holders like share holders. For this reason, Aion decided to become the Aion Foundation and focus on serving “the most important stakeholder, which to us was the user of our software” as opposed to optimizing how they do things for shareholders whose expectations are driven by expectations around revenues and profits.”

He goes on to say, “This an industry that is almost exclusively open source software so it’s not necessarily monetizable at the protocol level.”

And it was just one of the fun questions I ask at the end of the interview, but I asked him about what character trait he would recommend someone have who’s starting out. And his answer made me realize that they were qualities he must have to have gotten to where his is from where he was.

He said that these days it’s not about one skill. Now you’ve got to have the desire to constantly be learning and upgrading your skills, so what’s really important is adaptability and to be able to constantly evolve.

031. Blockchain Building Blocks in Cleveland with Bernie Moreno

“Blockland is a play on the name Cleveland and the idea is that by putting what we identified as the ten critical ingredients to make Cleveland one of the top five most relevant tech cities in the United States that we would do all these 10 things at the exact same time. So, we created ten nodes, everywhere from talent development retention to the entrepreneurial environment to the legal system, the political environment, philanthropy’s engaged, a node that we call place, which is to create the largest tech centre in the world, modelled after Station F in Paris right in downtown Cleveland. How do we build some business applications around what we’re doing already? How do we have thought leadership, so that’s where our conference comes from. And virtually every single day in Cleveland right now there’s a meeting somewhere in Cleveland around blockchain.”

From owning and operating 21 car dealerships to launching a city-wide epic-sized blockchain initiative, Bernie Moreno is putting Cleveland or ‘Blockland’ on the map.

He wants to make Cleveland a blockchain tech hub, complete with the largest tech centre in the world that would be an innovation incubator with a K-12 school on campus built right in downtown Cleveland.

And this isn’t just one person’s big idea. There’s a plan. Leaders in business and government and members of the community have gathered to discuss the ten nodes in place to help make this Ohio city one of the top five tech cities in the United States.

And while some people looking in from the outside may ask why blockchain and why Cleveland. Well when someone has the kind of drive and enthusiasm for something like this, that Bernie clearly does about blockchain tech and Blockland, it’s contagious.

It started when his son asked him to invest in Bitcoin, which he didn’t, but he did get looking into blockchain technology. And after investing in Votem, he wanted to start his own blockchain companies. But when he realized that Cleveland didn’t have the ideal ingredients to do what he wanted to do, instead of going to another city that had all the tech he could ever want, he decided to stay and help bring all the tech he could ever want to Cleveland.

We also talked about the future of cars. Bernie said, “the car changed the world in the turn of the century and the car is going to change the world again.” Not only will they be dramatically safer, but it will change things like people young and old being able to hop in a car with no need for a licence. Insurance companies will have to insure something besides accidents because cars won’t hit each other, and whole city blocks will change because we won’t need huge parking lots anymore.

Bernie also believes that in 15 years there will be more self-driving cars than human driving cars, and in 25 years human driving cars won’t be found on public highways. They’ll be on race tracks for sport or other weekend events.

He talked about where we’re at with blockchain tech right now like the early days of the dot com boom when everyone was starting to get a website, but all you’d see when you got online was a page that said, welcome. And one of the ways he’s getting into the space and helping to legitimize it while also being on the leading edge is to accept Bitcoin at his car dealerships.

Blockland Cleveland is also hosting a conference focussed on government and business applications in order to explore real world use cases for blockchain technology.

Some of the use cases Bernie sees coming soon are birth certificates, land records, real estate transactions, car titles, mobile voting, providence, supply chain, medical records, drug tracking, and as he explains, just like in the early days of the internet, no one could predict where it would lead us, we’re in that same place with blockchain tech now.