DC Magnates connected with Gliera CEO, David Ripley, for his take on the payments industry and to learn more about Apple Pay.
While Satoshi Nakamoto may have created bitcoins as the monetary system for the internet, it can be argued that it’s really in mobile where the digital currency shines. This is partially due to mobile internet and smartphones of 2009, when Nakamoto introduced bitcoins to the world being nothing like they are today. This has resulted in rapid change of consumer interests towards a mobile first mentality thanks to customized apps.
1. How important do you believe is mobile (smartphone) for both traditional and bitcoin related payments?
For the traditional payments industry, mobile has yet to become important or prove that it will be important in the future. The legacy (non-digital currency) mobile payments companies still ride on top of the old payment rails (credit cards, debit cards, banks). They have not been able to provide a substantially different value proposition than these underlying systems. However, they do allow consumers the ability to leave their wallet full of credit cards at home. Some also have a marginally better security model, but only partly address the security challenge, meaning cards will not be going away completely anytime soon.
Integrated solutions that provide the ability to convert back and forth between USD and BTC are in fact compelling for a significant segment of the user population. This is true today and likely will continue to be true going forward.
At the same time, many ‘bitcoin only’ wallets offer substantially superior benefits relative to the existing integrated solutions. For instance, all of the existing integrated solutions are custodial services, meaning they take ownership of their users’ bitcoin. In these instances, users do not have control over their bitcoin, they’re exposed to greater security risks, and they must rely on costly 3rd party audits just to ‘know’ that their funds exist.
On the other hand, there are many ‘bitcoin only’ wallets that do not take custody of customer funds and provide enhanced security. Further, many other ‘bitcoin only’ wallets offer interesting features and integrations (e.g. social media, map applications, etc.) that may appeal to specific segments of the population.
3. With the launch of Apple Pay, do you foresee them or another similar company launching a multi-sourced wallet which could offer payments with traditional credit/debit cards as well as bitcoins?
Yes, it’s certainly possible that one of these existing companies may choose to integrate Bitcoin into their closed system and thus connect their service to the openness of Bitcoin
4. Among initial reaction to Apple Pay are its security features which are expected to reduce fraud and decrease processing fees charged by credit card companies for transactions using the product. What is your impression of the security levels being introduced by Apple?
Apple does offer an incrementally better security solution versus the traditional credit card form factor. However, in the end, Apple Pay does still ride on top of the legacy payment system. They can provide better security in some areas, but they cannot overcome all of the security challenges of the legacy system while they still sit on top of the credit card network.
5.Do you believe that Apple Pay and other payment products that are expected to decrease processing costs and increase security will ultimately decrease interest for bitcoin related products in developed countries like the US and Western Europe, due to lack of a value-add of cryptocurrencies?
This is highly unlikely. Apple Pay offers some marginal security improvements versus the legacy system; it’s also questionable whether users and merchants will actually see any cost benefits in the long run.
On the other hand, as a payment system, Bitcoin offers many substantial benefits beyond just security and cost. It’s also faster, global, entirely open and does not require a third party. The value of all of these benefits continues to grow and any new payment products built on the legacy system will not change that.
Further, Bitcoin and decentralized blockchain technologies offer many benefits that extend beyond just payments, such as escrow, title records, smart contracts, etc.
6. Turning to your own firm, what do you believe is Glidera’s value to the bitcoin eco-system and how are you differentiating your wallet from the multitudes of products launched over the past year.
We’re excited for the upcoming launch of our entirely non-custodial Bitcoin platform. On top of this platform, Glidera will offer a Bitcoin wallet that leverages a multi-signature architecture enabling users to maintain complete control of their bitcoin. This architecture also leads to an enhanced and distributed security model that ensures users’ funds are safe even in the unlikely event that Glidera’s service is hacked or even if it disappears entirely. Glidera will offer greater transparency by allowing users to verify their balances directly on the blockchain. Lastly, on top of this platform, we’ll allow users to easily buy and sell bitcoin directly through the Glidera service, thus providing a path for new users to join the Bitcoin ecosystem.
While Satoshi Nakamoto may have created bitcoins as the monetary system for the internet, it can be argued that it’s really in mobile where the digital currency shines. This is partially due to mobile internet and smartphones of 2009, when Nakamoto introduced bitcoins to the world being nothing like they are today. This has resulted in rapid change of consumer interests towards a mobile first mentality thanks to customized apps.
1. How important do you believe is mobile (smartphone) for both traditional and bitcoin related payments?
For the traditional payments industry, mobile has yet to become important or prove that it will be important in the future. The legacy (non-digital currency) mobile payments companies still ride on top of the old payment rails (credit cards, debit cards, banks). They have not been able to provide a substantially different value proposition than these underlying systems. However, they do allow consumers the ability to leave their wallet full of credit cards at home. Some also have a marginally better security model, but only partly address the security challenge, meaning cards will not be going away completely anytime soon.
Integrated solutions that provide the ability to convert back and forth between USD and BTC are in fact compelling for a significant segment of the user population. This is true today and likely will continue to be true going forward.
At the same time, many ‘bitcoin only’ wallets offer substantially superior benefits relative to the existing integrated solutions. For instance, all of the existing integrated solutions are custodial services, meaning they take ownership of their users’ bitcoin. In these instances, users do not have control over their bitcoin, they’re exposed to greater security risks, and they must rely on costly 3rd party audits just to ‘know’ that their funds exist.
On the other hand, there are many ‘bitcoin only’ wallets that do not take custody of customer funds and provide enhanced security. Further, many other ‘bitcoin only’ wallets offer interesting features and integrations (e.g. social media, map applications, etc.) that may appeal to specific segments of the population.
3. With the launch of Apple Pay, do you foresee them or another similar company launching a multi-sourced wallet which could offer payments with traditional credit/debit cards as well as bitcoins?
Yes, it’s certainly possible that one of these existing companies may choose to integrate Bitcoin into their closed system and thus connect their service to the openness of Bitcoin
4. Among initial reaction to Apple Pay are its security features which are expected to reduce fraud and decrease processing fees charged by credit card companies for transactions using the product. What is your impression of the security levels being introduced by Apple?
Apple does offer an incrementally better security solution versus the traditional credit card form factor. However, in the end, Apple Pay does still ride on top of the legacy payment system. They can provide better security in some areas, but they cannot overcome all of the security challenges of the legacy system while they still sit on top of the credit card network.
5.Do you believe that Apple Pay and other payment products that are expected to decrease processing costs and increase security will ultimately decrease interest for bitcoin related products in developed countries like the US and Western Europe, due to lack of a value-add of cryptocurrencies?
This is highly unlikely. Apple Pay offers some marginal security improvements versus the legacy system; it’s also questionable whether users and merchants will actually see any cost benefits in the long run.
On the other hand, as a payment system, Bitcoin offers many substantial benefits beyond just security and cost. It’s also faster, global, entirely open and does not require a third party. The value of all of these benefits continues to grow and any new payment products built on the legacy system will not change that.
Further, Bitcoin and decentralized blockchain technologies offer many benefits that extend beyond just payments, such as escrow, title records, smart contracts, etc.
6. Turning to your own firm, what do you believe is Glidera’s value to the bitcoin eco-system and how are you differentiating your wallet from the multitudes of products launched over the past year.
We’re excited for the upcoming launch of our entirely non-custodial Bitcoin platform. On top of this platform, Glidera will offer a Bitcoin wallet that leverages a multi-signature architecture enabling users to maintain complete control of their bitcoin. This architecture also leads to an enhanced and distributed security model that ensures users’ funds are safe even in the unlikely event that Glidera’s service is hacked or even if it disappears entirely. Glidera will offer greater transparency by allowing users to verify their balances directly on the blockchain. Lastly, on top of this platform, we’ll allow users to easily buy and sell bitcoin directly through the Glidera service, thus providing a path for new users to join the Bitcoin ecosystem.
Bank of London Product Head: “Clients Don’t Want to Wait for Cutoff Times” On-Chain
Featured Videos
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
Executive Interview | Charlotte Bullock | Chief Product Officer, Bank of London | FMLS:25
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this interview, we sat down with Charlotte Bullock, Head of Product at The Bank of London, previously at SAP and now shaping product at one of the sector’s most ambitious new banking players.
Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
Executive Interview | Remonda Z. Kirketerp Møller| CEO & Founder Muinmos | FMLS:25
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this interview, Remonda Z. Kirketerp Møller, founder of Muinmos, breaks down the state of AI in regtech and what responsible adoption really looks like for brokers. We talk about rising fragmentation, the pressures around compliance accuracy, and why most firms are still in the early stages of AI maturity.
Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
A concise look at where compliance, onboarding, and AI-driven processes are heading next.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
In this conversation, we speak with Aydin Bonabi, CEO and co-founder of Surveill, a firm focused on fraud detection and AI-driven compliance tools for financial institutions.
We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
He closes with a clear message: fraud is scaling, and so must the tools that stop it.
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Exness expands its presence in Africa: Inside our interview with Paul Margarites in Cape Town
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
