May 5, 2026 • 16 mins
What happens to banks when finance becomes programmable, transparent, and user-owned?
In this episode of the Weekly ROAR Podcast, Dustin Hedrick and Brandon Billings explore the evolving role of financial institutions in the era of Banking 3.0. As Web3 technologies reshape the global financial system, banks are no longer just custodians of capital—they are becoming infrastructure providers within a decentralized ecosystem.
This conversation unpacks how traditional banking functions like custody, settlement, and compliance are being reimagined through blockchain, smart contracts, and real-time transparency—and why early adoption is critical for long-term relevance.
- The shift from traditional banking to infrastructure and utility roles
- How custody, settlement, and compliance are evolving in a Web3 world
- Why early adoption and system upgrades are essential for competitive advantage
Resources & Links:
https://example.com/whitepaper-banking3.0
https://web3resources.com
https://regulationblockchain.com
If this episode challenged your perspective, follow the podcast, share it with someone in finance or technology, and stay connected as we explore the future of Banking 3.0.
Weekly ROAR Podcast with Dustin Hedrick & Brandon Billings
Sponsored by https://www.r0ar.io/
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
SPEAKER_01 (00:04):
Alright, folks, we're back again for your weekly
roar.
And my name is Dustin.
I'm here with my dear friend,closest friend, best friend in
the world, and the guy who'sfunctioning in co-CEO role in
this world of crypto with me inthe roar, Brandon Billings.
Today we're gonna be a littlebit heady.
Sorry, we gotta go there.
(00:25):
A lot of times we're talky,scripty, whatever.
Today we gotta go deep in awhite paper because we've got
something to release, and thatis the formal white paper for
what the banks become in a web 3world.
So we're gonna talk about theinstitutional role in banking
3.0.
The rise of web 3 does notsignal the end of banking.
(00:50):
As a matter of fact, it's it'ssomething that is incredible.
It signals the end of banks asthey've traditionally operated.
Um, and I say it's incrediblebecause for those of you who've
had any challenges with banks orthe banking world or finances or
whatever, if you've been throughthings like I've been through,
(01:12):
this is this is needed, wanted,desired change.
In a banking 3.0 world,financial institutions do not
vanish.
They're gonna specialize.
As an asset, ownership,settlement, and trust move
closer to users and code.
Banks are gonna evolve fromcustodians of money into
(01:32):
operators of financialinfrastructure, compliance, and
confidence.
So, I mean, just honestly, assetownership, settlement, trust,
it's more in the hands of usersand code, and it needs to be.
Banks are gonna become thecustodians of those, and because
studies of the money, they'regonna be the operators and the
compliance officers and theconfidence builders.
(01:54):
So this paper outlines the newinstitutional roles banks are
uniquely positioned to occupyand why their participation is
not optional, but essential.
I know I got haters out there,Crypto Maxis.
They're like, What are youtalking about?
Legacy banking's evil.
Listen to me.
We need each other in thisworld.
And I'm saying to you, legacybanks out there, we're open for
(02:15):
business.
So come talk to us at Roar if noone else, we need you here.
SPEAKER_00 (02:20):
Balance sheets to infrastructure.
Historically, banks havegenerated value by holding
customer assets, intermediatingtransactions, uh, managing
credit risk.
But in banking 3.0, valueincreasingly shifts towards
operating nodes and settlementinfrastructure, providing
(02:41):
liquidity to on-chain markets,ensuring system reliability and
uptime.
Banks become financialutilities, monetizing
thoroughput, uh, availability,and trust guarantees rather than
opacity or delay.
That would be wonderful,wouldn't it?
Yeah.
SPEAKER_01 (03:00):
That last statement's a little loaded.
Two, custody becomes a service,not a requirement.
Self-custody is a core promiseof web three, but it's not
universally practical.
People are scared of it.
Banks are uniquely positioned tooffer institutional grade key
(03:21):
management, multi-signaturecustody, recovery insurance, and
compliance overlays.
And in this model, custody isopt-in, transparent, and
provable.
It's going to align usersovereignty with institutional
assurance.
SPEAKER_00 (03:38):
Absolutely.
And as financial rules move onchain, enforcement shifts from
discretion to determinism.
Uh, banks evolve into smartcontract validators, compliance
oracles, identity and riskattestation providers.
Rather than blocking access,institutions help define who can
(04:01):
do what, under which rules, andenforced uh cryptography, or
cryptographically rather, uh,and audible and in real time.
SPEAKER_01 (04:11):
Exactly.
Number four, liquidity providersin programmable markets.
This is super cool.
In Web3 native finance,liquidity is fragmented, global,
and automated.
Banks bring deep capitalreserves, risk management
expertise, and marketstabilization mechanisms.
Trust me, we have had to do thisfor ourselves.
(04:34):
And Roar, we've had to deal withdeep capital reserves ourselves.
We've had to build them.
We've had to deal with riskmanagement ourselves.
We've had to partner withthird-party platforms, partners,
and solutions, as well asdevelop our own market
stabilization mechanisms.
These are challenges.
They're challenges, but banksare going to bring that
(04:55):
naturally and natively.
And it's just going to be supernatural for us to stabilize.
By supplying liquidity todecentralized and hybrid
markets, banks earn yield whilereducing volatility and
improving capital efficiency.
SPEAKER_00 (05:11):
Legacy settlement systems rely on trust,
reconciliation, and delay.
In banking 3.0, settlement isprogrammable.
Finality is cryptographic.
Delays are intentional and notstructural.
Banks that operate settlementlayers or integrate smart
contract rails reduce costswhile increasing transparency.
SPEAKER_01 (05:35):
Number 5A, familiar systems are what we're going to
need to upgrade for banking 3.0.
We're working on it.
So we see this.
We see the ISO needs.
We see the software needs.
We see the infrastructure needs.
We get it.
And we're actually, we got whitepaper on white paper on that.
But just to summate, here'sfamiliar systems upgraded for
(05:58):
web or for banking 3.0.
Banking 3.0 does not askinstitutions to abandon what
works, it asks them to modernizeit.
And I just think about the factthat I used to walk in banks in
um just maybe even less than 10years ago and see Windows 95 on
some systems.
And I'm going, oh my God, I knowthat.
That's Windows 95.
(06:18):
God help us.
It's insecure.
And I remember, you know, stillseeing Windows XP, and I'm
going, oh my goodness.
And they said, oh, but oursolution only works there.
We never were able to bring inthe now.
That's a problem.
Now we've seen modernization ina lot of ways, but we need to
see modernization now.
It's just the same idea becausethere were risks associated with
(06:40):
Windows 95 and XP that were notaddressed, that are now.
Same thing now.
Many Web3 mechanisms are directevolutions of legacy financial
infrastructure.
It's going to get you faster,better, quicker, and lighter.
Lighter.
So, for instance, legacy systemis Swift Messages.
The banking 3.0 equivalent issmart contract settlement.
(07:02):
And why it matters?
It moves banks frominstruction-based trust to
guaranteed execution andfinality.
Legacy system had centralsecurities and depositories.
Banking three-point equivalent,on-chain ledgers, why it
matters, replaces reconciliationwith shared immutable truth.
Let me tell you something.
I'm dealing with some bankersout there that are trying to
(07:23):
replace their central securitiesdepositories with another one
just like it.
And I'm going, ah, don't bringthat to blockchain.
Because smart contracting, it'sjust so much easier through
on-chain ledgering or whateverto do what we do.
Legacy system is custodialvaults.
And banking 3.0 equivalent couldbe validators and key
management.
Why it matters?
(07:44):
It shifts custody from ownershipto verification, security, and
recovery services.
It's actually protective.
Legacy system, internal balancesheets, banking 3.0 equivalent,
tokenized assets.
Why matters?
It enables real-time visibility,risk assessment, and capital
efficiency, let alone the factthat, well, they can't just
(08:06):
print it when they want to or dowhat they want with it or fake
it to make it.
I'm just saying I'll say this: for every$1 you put in the bank, (08:09):
undefined
they spend nine of it.
If that math doesn't work foryou, guess what?
It doesn't work for the world aswell.
Legacy system compliance teamsbanking 3.0 equivalent is
regulatory code.
It's functional.
What if you don't have all thesehumans with subjective and it's
(08:32):
just freaking code?
What if you don't have in the inthe asset world SEC with their
guidelines or their bulletin?
And I'm just picking on y'allbecause I'm pissed at it.
You got code in a blockchain.
I'm the guy who says that abuseis not knowing how to avoid
punishment.
That's abuse.
(08:52):
So if you're out there andyou're creating bulletins in
code, the regulations that arenot truth and are not North
Stars, but they're just uh ableto give you the ability to beat
people up.
That's abuse and bullying.
And I'm calling you out on thespot.
Legacy system compliance teamsare bullies.
Banking 3.0 equivalent,regulatory code, why it matters,
(09:15):
transforms policy fromafter-the-fact enforcement,
hello, into preventativearchitecture with no room for
abuse on either side.
That one right there is worthmore than all of it.
We don't need no Howie tests.
We don't need no SEC bulletin.
We don't need some guy whocreates policy backwards and
(09:37):
then plies it backwards, likeformer presidents who said we
changed the IRS code so you owemoney for back years.
Just saying this is truth, andit's an oracle, and it becomes
embedded, immutable, and stayedand constant.
Abuse and bullying ends.
(09:58):
The strategic implication isclear.
Banks already understand thesesystems.
Banking 3.0 simply makes themfaster, more transparent, and
globally interoperable, as wellas less of a big fat bully.
Institutions that recognize thisearly can upgrade their role
without losing relevance orcontrol.
So if you're on here and umyou're a crypto maxi, I know
(10:18):
I've already ticked you off bysaying legacy banking is going
to make it in the future at somelevel.
And if you're on here and you'rea legacy banker, I'm sure I just
pissed you off or a regulatorbecause I just said what I said,
but I mean it.
So there you go.
I'm happy to make everyone upsetequally.
SPEAKER_00 (10:32):
Oh, Dustin, if only we could get inside your head
and understand how you reallyfeel.
SPEAKER_01 (10:44):
This is a white paper recall.
I'm about to spit drink all overmy computer systems here.
Awesome.
SPEAKER_00 (10:49):
Compliance does not disappear, it evolves.
Banks help encode regulatoryrules into smart contracts,
enable real-time supervision,reduce fraud through
transparency.
This model benefits regulators,institutions, and users by
replacing after-the-factenforcement with preventative
architecture.
SPEAKER_01 (11:10):
Just saying.
I'm just saying.
Number seven, competitiveadvantage through early
adoption.
Banks that engage with banking3.0 early will influence
standards and protocols, shaperegulatory frameworks, retain
customer trust, unlock newrevenue streams.
I know you like that one.
And those that delay, you'regoing to become just access
(11:32):
point.
You're risking everything thatyou're just going to become an
ATM, uh, you know, that someonecan drive through and put their
money over into blockchain fromyour depositor.
You know, I mean, just that'sit.
So you're gonna become an accesspoint to systems that you won't
control or have a voice in.
So why not stop fighting andjoin us?
SPEAKER_00 (11:53):
Yeah.
Yeah, absolutely, Dustin.
You know, I was just thinking mybank uh has access points like
that.
You can go to a drugstore orwherever, you can make those
deposits right now.
Doesn't have to be a bank.
Yep.
Um banks are not beingdisintermediated, they are being
redefined.
In banking 3.0, the institutionsthat thrive will be those that
(12:15):
consciously choose to evolvefrom the balance sheet-centric
intermediaries to transparentprogrammable infrastructure
providers.
This transition is nottheoretical, it is already
underway.
Banks that embrace the shiftearly will help define technical
and regulatory standards,preserve institutional relevance
(12:36):
and trust, unlock new revenuemodels tied to infrastructure,
validation, and liquidity,reduce systemic risk through
transparency and automation.
Those that delay risk beingregulated to access layers for
systems they neither control norshape.
In banking 3.0, banks do not owntrust, they operate it.
SPEAKER_01 (13:02):
Boom.
I'll just say here both Brandonand I have financial
backgrounds.
Brandon has worked in thebanking sector, he's worked with
loans and with businesses.
I myself have worked withfinancial firms both as um a
person who was in the financialworld as well as a technology
developer and even CTO forfinancial firms and law firms.
(13:27):
And so I've been in theregulatory space, CPAs, law,
financial firms, my companieshave supported them.
We built technologyinfrastructure and more.
We've integrated systems, we'vemanaged mergers and migrations
in the Washington, D.C.
metro area with some amazingbest of class businesses out
there.
As a matter of fact, we we evenhad as a client the very first
(13:51):
um survey company in the nationwho employed George Washington.
That was my client.
So, you guys, we've done this.
We've been here, we've spenttime, we've cut our teeth on it.
We haven't been here for justtwo minutes.
We've been in the blockchainspace, me since around 2010, the
last five years together, Bradenand I, as Roar and Fierce Labs,
(14:12):
we have a background in this.
If you are out here and you'rein a banking situation or you're
a part of us, especially smallerregional banks, we'd love to
talk with you.
If you want to just talk to us,consult with us, you know, ask
questions, and or offersolutions because we've built a
lot in this space.
And if you're out there and youdon't want to touch us with a
(14:32):
10-foot pool pole yet, butyou're thinking about what Roar
might mean in the future, justfollow us on X or wherever you
find us.
Make sure your notifications areon because we got big news
coming over the next four weeksthat are gonna blow your
stinking mind.
Because, guys, if you're in thebanking sector, we're coming to
your world and we're gonnachange it.
(14:53):
So welcome to the now banks,legacy bankers.
We can't wait to um make youracquaintance.
We're excited about, we'reexcited about the expertise
you're gonna bring to thisblockchain space and how it's
gonna exit us from a wild, wildwest era.
Regulators that are out there,let's get some stuff done at
congressional level so we havesome laws that don't abuse.
(15:14):
And then if you're out there andyou are a nerd in your mama's
basement, like I am in mygarage, my wife lets me be here.
Welcome to the now.
We're coming into the now.
You're not just some secretivelittle weirdo super coder.
We're about to affect bankingand people's economic realities
(15:34):
around the world for good.
So let's do this together.
You guys, thanks for tuning inyour weekly roar.
We're so glad you're on.
We'll see you next time.
Take care, everybody.
SPEAKER_02 (15:44):
Thank you for tuning in to your weekly roar podcast.
See the show notes to learn moreabout the topics in today's
episode, and be sure tosubscribe so you never miss out
on the latest high impact trendsand strategies shaping the
future of decentralized tech.
Alright, folks, we're back again for your weekly
roar.
And my name is Dustin.
I'm here with my dear friend,closest friend, best friend in
the world, and the guy who'sfunctioning in co-CEO role in
this world of crypto with me inthe roar, Brandon Billings.
Today we're gonna be a littlebit heady.
Sorry, we gotta go there.
(00:25):
A lot of times we're talky,scripty, whatever.
Today we gotta go deep in awhite paper because we've got
something to release, and thatis the formal white paper for
what the banks become in a web 3world.
So we're gonna talk about theinstitutional role in banking
3.0.
The rise of web 3 does notsignal the end of banking.
(00:50):
As a matter of fact, it's it'ssomething that is incredible.
It signals the end of banks asthey've traditionally operated.
Um, and I say it's incrediblebecause for those of you who've
had any challenges with banks orthe banking world or finances or
whatever, if you've been throughthings like I've been through,
(01:12):
this is this is needed, wanted,desired change.
In a banking 3.0 world,financial institutions do not
vanish.
They're gonna specialize.
As an asset, ownership,settlement, and trust move
closer to users and code.
Banks are gonna evolve fromcustodians of money into
(01:32):
operators of financialinfrastructure, compliance, and
confidence.
So, I mean, just honestly, assetownership, settlement, trust,
it's more in the hands of usersand code, and it needs to be.
Banks are gonna become thecustodians of those, and because
studies of the money, they'regonna be the operators and the
compliance officers and theconfidence builders.
(01:54):
So this paper outlines the newinstitutional roles banks are
uniquely positioned to occupyand why their participation is
not optional, but essential.
I know I got haters out there,Crypto Maxis.
They're like, What are youtalking about?
Legacy banking's evil.
Listen to me.
We need each other in thisworld.
And I'm saying to you, legacybanks out there, we're open for
(02:15):
business.
So come talk to us at Roar if noone else, we need you here.
SPEAKER_00 (02:20):
Balance sheets to infrastructure.
Historically, banks havegenerated value by holding
customer assets, intermediatingtransactions, uh, managing
credit risk.
But in banking 3.0, valueincreasingly shifts towards
operating nodes and settlementinfrastructure, providing
(02:41):
liquidity to on-chain markets,ensuring system reliability and
uptime.
Banks become financialutilities, monetizing
thoroughput, uh, availability,and trust guarantees rather than
opacity or delay.
That would be wonderful,wouldn't it?
Yeah.
SPEAKER_01 (03:00):
That last statement's a little loaded.
Two, custody becomes a service,not a requirement.
Self-custody is a core promiseof web three, but it's not
universally practical.
People are scared of it.
Banks are uniquely positioned tooffer institutional grade key
(03:21):
management, multi-signaturecustody, recovery insurance, and
compliance overlays.
And in this model, custody isopt-in, transparent, and
provable.
It's going to align usersovereignty with institutional
assurance.
SPEAKER_00 (03:38):
Absolutely.
And as financial rules move onchain, enforcement shifts from
discretion to determinism.
Uh, banks evolve into smartcontract validators, compliance
oracles, identity and riskattestation providers.
Rather than blocking access,institutions help define who can
(04:01):
do what, under which rules, andenforced uh cryptography, or
cryptographically rather, uh,and audible and in real time.
SPEAKER_01 (04:11):
Exactly.
Number four, liquidity providersin programmable markets.
This is super cool.
In Web3 native finance,liquidity is fragmented, global,
and automated.
Banks bring deep capitalreserves, risk management
expertise, and marketstabilization mechanisms.
Trust me, we have had to do thisfor ourselves.
(04:34):
And Roar, we've had to deal withdeep capital reserves ourselves.
We've had to build them.
We've had to deal with riskmanagement ourselves.
We've had to partner withthird-party platforms, partners,
and solutions, as well asdevelop our own market
stabilization mechanisms.
These are challenges.
They're challenges, but banksare going to bring that
(04:55):
naturally and natively.
And it's just going to be supernatural for us to stabilize.
By supplying liquidity todecentralized and hybrid
markets, banks earn yield whilereducing volatility and
improving capital efficiency.
SPEAKER_00 (05:11):
Legacy settlement systems rely on trust,
reconciliation, and delay.
In banking 3.0, settlement isprogrammable.
Finality is cryptographic.
Delays are intentional and notstructural.
Banks that operate settlementlayers or integrate smart
contract rails reduce costswhile increasing transparency.
SPEAKER_01 (05:35):
Number 5A, familiar systems are what we're going to
need to upgrade for banking 3.0.
We're working on it.
So we see this.
We see the ISO needs.
We see the software needs.
We see the infrastructure needs.
We get it.
And we're actually, we got whitepaper on white paper on that.
But just to summate, here'sfamiliar systems upgraded for
(05:58):
web or for banking 3.0.
Banking 3.0 does not askinstitutions to abandon what
works, it asks them to modernizeit.
And I just think about the factthat I used to walk in banks in
um just maybe even less than 10years ago and see Windows 95 on
some systems.
And I'm going, oh my God, I knowthat.
That's Windows 95.
(06:18):
God help us.
It's insecure.
And I remember, you know, stillseeing Windows XP, and I'm
going, oh my goodness.
And they said, oh, but oursolution only works there.
We never were able to bring inthe now.
That's a problem.
Now we've seen modernization ina lot of ways, but we need to
see modernization now.
It's just the same idea becausethere were risks associated with
(06:40):
Windows 95 and XP that were notaddressed, that are now.
Same thing now.
Many Web3 mechanisms are directevolutions of legacy financial
infrastructure.
It's going to get you faster,better, quicker, and lighter.
Lighter.
So, for instance, legacy systemis Swift Messages.
The banking 3.0 equivalent issmart contract settlement.
(07:02):
And why it matters?
It moves banks frominstruction-based trust to
guaranteed execution andfinality.
Legacy system had centralsecurities and depositories.
Banking three-point equivalent,on-chain ledgers, why it
matters, replaces reconciliationwith shared immutable truth.
Let me tell you something.
I'm dealing with some bankersout there that are trying to
(07:23):
replace their central securitiesdepositories with another one
just like it.
And I'm going, ah, don't bringthat to blockchain.
Because smart contracting, it'sjust so much easier through
on-chain ledgering or whateverto do what we do.
Legacy system is custodialvaults.
And banking 3.0 equivalent couldbe validators and key
management.
Why it matters?
(07:44):
It shifts custody from ownershipto verification, security, and
recovery services.
It's actually protective.
Legacy system, internal balancesheets, banking 3.0 equivalent,
tokenized assets.
Why matters?
It enables real-time visibility,risk assessment, and capital
efficiency, let alone the factthat, well, they can't just
(08:06):
print it when they want to or dowhat they want with it or fake
it to make it.
I'm just saying I'll say this: for every$1 you put in the bank, (08:09):
undefined
they spend nine of it.
If that math doesn't work foryou, guess what?
It doesn't work for the world aswell.
Legacy system compliance teamsbanking 3.0 equivalent is
regulatory code.
It's functional.
What if you don't have all thesehumans with subjective and it's
(08:32):
just freaking code?
What if you don't have in the inthe asset world SEC with their
guidelines or their bulletin?
And I'm just picking on y'allbecause I'm pissed at it.
You got code in a blockchain.
I'm the guy who says that abuseis not knowing how to avoid
punishment.
That's abuse.
(08:52):
So if you're out there andyou're creating bulletins in
code, the regulations that arenot truth and are not North
Stars, but they're just uh ableto give you the ability to beat
people up.
That's abuse and bullying.
And I'm calling you out on thespot.
Legacy system compliance teamsare bullies.
Banking 3.0 equivalent,regulatory code, why it matters,
(09:15):
transforms policy fromafter-the-fact enforcement,
hello, into preventativearchitecture with no room for
abuse on either side.
That one right there is worthmore than all of it.
We don't need no Howie tests.
We don't need no SEC bulletin.
We don't need some guy whocreates policy backwards and
(09:37):
then plies it backwards, likeformer presidents who said we
changed the IRS code so you owemoney for back years.
Just saying this is truth, andit's an oracle, and it becomes
embedded, immutable, and stayedand constant.
Abuse and bullying ends.
(09:58):
The strategic implication isclear.
Banks already understand thesesystems.
Banking 3.0 simply makes themfaster, more transparent, and
globally interoperable, as wellas less of a big fat bully.
Institutions that recognize thisearly can upgrade their role
without losing relevance orcontrol.
So if you're on here and umyou're a crypto maxi, I know
(10:18):
I've already ticked you off bysaying legacy banking is going
to make it in the future at somelevel.
And if you're on here and you'rea legacy banker, I'm sure I just
pissed you off or a regulatorbecause I just said what I said,
but I mean it.
So there you go.
I'm happy to make everyone upsetequally.
SPEAKER_00 (10:32):
Oh, Dustin, if only we could get inside your head
and understand how you reallyfeel.
SPEAKER_01 (10:44):
This is a white paper recall.
I'm about to spit drink all overmy computer systems here.
Awesome.
SPEAKER_00 (10:49):
Compliance does not disappear, it evolves.
Banks help encode regulatoryrules into smart contracts,
enable real-time supervision,reduce fraud through
transparency.
This model benefits regulators,institutions, and users by
replacing after-the-factenforcement with preventative
architecture.
SPEAKER_01 (11:10):
Just saying.
I'm just saying.
Number seven, competitiveadvantage through early
adoption.
Banks that engage with banking3.0 early will influence
standards and protocols, shaperegulatory frameworks, retain
customer trust, unlock newrevenue streams.
I know you like that one.
And those that delay, you'regoing to become just access
(11:32):
point.
You're risking everything thatyou're just going to become an
ATM, uh, you know, that someonecan drive through and put their
money over into blockchain fromyour depositor.
You know, I mean, just that'sit.
So you're gonna become an accesspoint to systems that you won't
control or have a voice in.
So why not stop fighting andjoin us?
SPEAKER_00 (11:53):
Yeah.
Yeah, absolutely, Dustin.
You know, I was just thinking mybank uh has access points like
that.
You can go to a drugstore orwherever, you can make those
deposits right now.
Doesn't have to be a bank.
Yep.
Um banks are not beingdisintermediated, they are being
redefined.
In banking 3.0, the institutionsthat thrive will be those that
(12:15):
consciously choose to evolvefrom the balance sheet-centric
intermediaries to transparentprogrammable infrastructure
providers.
This transition is nottheoretical, it is already
underway.
Banks that embrace the shiftearly will help define technical
and regulatory standards,preserve institutional relevance
(12:36):
and trust, unlock new revenuemodels tied to infrastructure,
validation, and liquidity,reduce systemic risk through
transparency and automation.
Those that delay risk beingregulated to access layers for
systems they neither control norshape.
In banking 3.0, banks do not owntrust, they operate it.
SPEAKER_01 (13:02):
Boom.
I'll just say here both Brandonand I have financial
backgrounds.
Brandon has worked in thebanking sector, he's worked with
loans and with businesses.
I myself have worked withfinancial firms both as um a
person who was in the financialworld as well as a technology
developer and even CTO forfinancial firms and law firms.
(13:27):
And so I've been in theregulatory space, CPAs, law,
financial firms, my companieshave supported them.
We built technologyinfrastructure and more.
We've integrated systems, we'vemanaged mergers and migrations
in the Washington, D.C.
metro area with some amazingbest of class businesses out
there.
As a matter of fact, we we evenhad as a client the very first
(13:51):
um survey company in the nationwho employed George Washington.
That was my client.
So, you guys, we've done this.
We've been here, we've spenttime, we've cut our teeth on it.
We haven't been here for justtwo minutes.
We've been in the blockchainspace, me since around 2010, the
last five years together, Bradenand I, as Roar and Fierce Labs,
(14:12):
we have a background in this.
If you are out here and you'rein a banking situation or you're
a part of us, especially smallerregional banks, we'd love to
talk with you.
If you want to just talk to us,consult with us, you know, ask
questions, and or offersolutions because we've built a
lot in this space.
And if you're out there and youdon't want to touch us with a
(14:32):
10-foot pool pole yet, butyou're thinking about what Roar
might mean in the future, justfollow us on X or wherever you
find us.
Make sure your notifications areon because we got big news
coming over the next four weeksthat are gonna blow your
stinking mind.
Because, guys, if you're in thebanking sector, we're coming to
your world and we're gonnachange it.
(14:53):
So welcome to the now banks,legacy bankers.
We can't wait to um make youracquaintance.
We're excited about, we'reexcited about the expertise
you're gonna bring to thisblockchain space and how it's
gonna exit us from a wild, wildwest era.
Regulators that are out there,let's get some stuff done at
congressional level so we havesome laws that don't abuse.
(15:14):
And then if you're out there andyou are a nerd in your mama's
basement, like I am in mygarage, my wife lets me be here.
Welcome to the now.
We're coming into the now.
You're not just some secretivelittle weirdo super coder.
We're about to affect bankingand people's economic realities
(15:34):
around the world for good.
So let's do this together.
You guys, thanks for tuning inyour weekly roar.
We're so glad you're on.
We'll see you next time.
Take care, everybody.
SPEAKER_02 (15:44):
Thank you for tuning in to your weekly roar podcast.
See the show notes to learn moreabout the topics in today's
episode, and be sure tosubscribe so you never miss out
on the latest high impact trendsand strategies shaping the
future of decentralized tech.
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