WEBVTT
Kind: captions
Language: en

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[Applause]

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five<00:00:17.980><c> minutes</c><00:00:18.279><c> to</c><00:00:18.550><c> represent</c><00:00:18.910><c> projects</c><00:00:19.510><c> well</c>

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five minutes to represent projects well
 

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five minutes to represent projects well
turbulent<00:00:20.439><c> quick</c><00:00:20.849><c> talk</c><00:00:21.849><c> about</c><00:00:22.000><c> daily</c><00:00:22.330><c> while</c>

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turbulent quick talk about daily while
 

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turbulent quick talk about daily while
you<00:00:24.160><c> feel</c><00:00:24.340><c> familiar</c><00:00:24.490><c> with</c><00:00:24.880><c> me</c><00:00:25.000><c> as</c><00:00:25.060><c> well</c><00:00:25.240><c> as</c>

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you feel familiar with me as well as
 

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you feel familiar with me as well as
where<00:00:25.570><c> I'm</c><00:00:25.660><c> from</c><00:00:25.930><c> a</c><00:00:26.260><c> huge</c><00:00:26.859><c> problem</c><00:00:27.100><c> inflation</c>

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where I'm from a huge problem inflation
 

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where I'm from a huge problem inflation
that's<00:00:29.050><c> so</c><00:00:29.230><c> big</c><00:00:29.500><c> that</c><00:00:29.800><c> it's</c><00:00:30.250><c> better</c><00:00:31.000><c> to</c><00:00:31.150><c> use</c>

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that's so big that it's better to use
 

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that's so big that it's better to use
the<00:00:32.349><c> bills</c><00:00:32.559><c> to</c><00:00:32.860><c> make</c><00:00:33.129><c> home</c><00:00:33.370><c> decoration</c><00:00:33.940><c> that's</c>

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the bills to make home decoration that's
 

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the bills to make home decoration that's
actually<00:00:34.510><c> isn't</c><00:00:34.629><c> to</c><00:00:35.080><c> pay</c><00:00:35.260><c> for</c><00:00:35.500><c> things</c><00:00:35.590><c> so</c><00:00:36.420><c> a</c>

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actually isn't to pay for things so a
 

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actually isn't to pay for things so a
potential<00:00:38.199><c> tool</c><00:00:38.470><c> to</c><00:00:38.890><c> help</c><00:00:39.040><c> people</c><00:00:39.220><c> to</c>

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potential tool to help people to
 

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potential tool to help people to
navigate<00:00:40.470><c> how</c><00:00:41.470><c> they</c><00:00:41.940><c> interact</c><00:00:42.940><c> with</c><00:00:43.000><c> money</c><00:00:43.270><c> is</c>

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navigate how they interact with money is
 

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navigate how they interact with money is
to<00:00:44.590><c> give</c><00:00:45.460><c> them</c><00:00:45.579><c> access</c><00:00:45.790><c> to</c><00:00:46.000><c> visual</c><00:00:46.450><c> dollars</c><00:00:46.960><c> or</c>

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to give them access to visual dollars or
 

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to give them access to visual dollars or
to<00:00:47.710><c> the</c><00:00:47.800><c> US</c><00:00:48.040><c> dollar</c><00:00:48.219><c> right</c><00:00:48.790><c> so</c><00:00:49.090><c> everyone</c>

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to the US dollar right so everyone
 

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to the US dollar right so everyone
minutes<00:00:49.870><c> whether</c><00:00:49.989><c> wants</c><00:00:50.320><c> a</c><00:00:50.410><c> US</c><00:00:50.620><c> dollar</c><00:00:50.829><c> it's</c>

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minutes whether wants a US dollar it's
 

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minutes whether wants a US dollar it's
increasingly<00:00:51.940><c> necessary</c><00:00:52.180><c> for</c><00:00:52.719><c> life</c><00:00:52.840><c> if</c>

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increasingly necessary for life if
 

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increasingly necessary for life if
you've<00:00:53.920><c> studied</c><00:00:54.190><c> how</c><00:00:54.489><c> countries</c><00:00:55.390><c> dollar</c><00:00:55.719><c> eyes</c>

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you've studied how countries dollar eyes
 

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you've studied how countries dollar eyes
17<00:00:57.760><c> Zimbabwe</c><00:00:58.329><c> this</c><00:00:59.289><c> happens</c><00:00:59.710><c> often</c><00:01:00.700><c> in</c><00:01:00.940><c> places</c>

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17 Zimbabwe this happens often in places
 

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17 Zimbabwe this happens often in places
where<00:01:01.420><c> this</c><00:01:01.930><c> highly</c><00:01:02.710><c> efficient</c><00:01:03.219><c> Nick</c><00:01:03.730><c> over</c>

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where this highly efficient Nick over
 

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where this highly efficient Nick over
and<00:01:04.270><c> it</c><00:01:04.360><c> was</c><00:01:04.479><c> formalized</c><00:01:05.550><c> the</c><00:01:06.550><c> US</c><00:01:06.789><c> dollar</c><00:01:07.000><c> and</c>

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and it was formalized the US dollar and
 

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and it was formalized the US dollar and
it<00:01:07.420><c> trickles</c><00:01:07.840><c> down</c><00:01:07.899><c> it</c><00:01:09.180><c> becomes</c><00:01:10.180><c> that</c><00:01:11.050><c> medium</c>

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it trickles down it becomes that medium
 

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it trickles down it becomes that medium
of<00:01:11.470><c> exchange</c><00:01:11.649><c> that's</c><00:01:12.430><c> being</c><00:01:12.610><c> used</c><00:01:12.850><c> and</c><00:01:13.509><c> it's</c>

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of exchange that's being used and it's
 

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of exchange that's being used and it's
often<00:01:14.200><c> the</c>

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often the
 

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often the
the<00:01:15.920><c> way</c><00:01:16.040><c> this</c><00:01:16.190><c> happens</c><00:01:16.580><c> is</c><00:01:16.730><c> by</c><00:01:17.390><c> using</c><00:01:17.750><c> cash</c>

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the way this happens is by using cash
 

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the way this happens is by using cash
and<00:01:19.550><c> so</c><00:01:19.880><c> today</c><00:01:20.480><c> there</c><00:01:20.840><c> are</c><00:01:21.020><c> three</c><00:01:21.350><c> ways</c><00:01:21.560><c> that</c>

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and so today there are three ways that
 

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and so today there are three ways that
people<00:01:22.100><c> can</c><00:01:22.670><c> use</c><00:01:22.870><c> dollars</c><00:01:23.870><c> in</c><00:01:24.200><c> Venezuela</c><00:01:24.770><c> and</c>

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people can use dollars in Venezuela and
 

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people can use dollars in Venezuela and
none<00:01:25.880><c> of</c><00:01:25.910><c> them</c><00:01:26.090><c> are</c><00:01:26.270><c> quite</c><00:01:26.720><c> ideal</c><00:01:27.550><c> one</c><00:01:28.550><c> is</c>

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none of them are quite ideal one is
 

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none of them are quite ideal one is
permission<00:01:29.570><c> systems</c><00:01:30.080><c> like</c><00:01:30.350><c> cell</c><00:01:30.680><c> is</c><00:01:31.280><c> a</c><00:01:31.310><c> system</c>

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permission systems like cell is a system
 

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permission systems like cell is a system
that<00:01:32.150><c> if</c><00:01:32.570><c> you</c><00:01:32.660><c> have</c><00:01:32.780><c> a</c><00:01:32.810><c> company</c><00:01:33.320><c> in</c><00:01:33.410><c> the</c><00:01:33.500><c> US</c><00:01:33.620><c> you</c>

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that if you have a company in the US you
 

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that if you have a company in the US you
can<00:01:34.250><c> transfer</c><00:01:34.760><c> money</c><00:01:34.940><c> from</c><00:01:35.210><c> that</c><00:01:35.480><c> account</c><00:01:35.720><c> to</c>

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can transfer money from that account to
 

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can transfer money from that account to
other<00:01:36.110><c> accounts</c><00:01:36.470><c> in</c><00:01:36.530><c> the</c><00:01:36.590><c> US</c><00:01:36.830><c> so</c><00:01:37.280><c> if</c><00:01:37.340><c> you</c><00:01:37.430><c> have</c>

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other accounts in the US so if you have
 

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other accounts in the US so if you have
that<00:01:38.810><c> privilege</c><00:01:39.110><c> and</c><00:01:39.950><c> you</c><00:01:40.610><c> can</c><00:01:41.030><c> access</c><00:01:41.510><c> that</c>

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that privilege and you can access that
 

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that privilege and you can access that
and<00:01:41.900><c> it's</c><00:01:42.320><c> not</c><00:01:42.440><c> distorting</c><00:01:42.890><c> that</c><00:01:43.010><c> is</c><00:01:43.190><c> actually</c>

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and it's not distorting that is actually
 

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and it's not distorting that is actually
take<00:01:43.700><c> sale</c><00:01:43.910><c> as</c><00:01:44.180><c> pants</c><00:01:44.750><c> even</c><00:01:45.110><c> though</c><00:01:45.320><c> it's</c><00:01:45.440><c> not</c>

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take sale as pants even though it's not
 

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take sale as pants even though it's not
payments<00:01:45.950><c> that</c><00:01:46.040><c> it's</c><00:01:46.280><c> not</c><00:01:46.400><c> supposed</c><00:01:46.640><c> to</c><00:01:46.730><c> be</c>

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payments that it's not supposed to be
 

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payments that it's not supposed to be
used<00:01:46.970><c> for</c><00:01:47.030><c> that</c><00:01:47.240><c> but</c><00:01:47.540><c> and</c><00:01:48.530><c> people</c><00:01:48.770><c> also</c><00:01:48.950><c> also</c>

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used for that but and people also also
 

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used for that but and people also also
falls<00:01:50.270><c> into</c><00:01:50.330><c> this</c><00:01:50.510><c> category</c><00:01:50.570><c> they</c><00:01:51.290><c> used</c><00:01:51.470><c> to</c>

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falls into this category they used to
 

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falls into this category they used to
have<00:01:51.710><c> more</c><00:01:51.860><c> lenient</c><00:01:52.250><c> rules</c><00:01:52.280><c> to</c><00:01:53.090><c> orient</c>

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have more lenient rules to orient
 

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have more lenient rules to orient
students<00:01:54.140><c> to</c><00:01:54.320><c> access</c>

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students to access
 

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students to access
they<00:01:56.570><c> both</c><00:01:57.130><c> increasingly</c><00:01:58.130><c> with</c><00:01:58.729><c> toughening</c>

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they both increasingly with toughening
 

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they both increasingly with toughening
of<00:01:59.570><c> sanctions</c><00:01:59.960><c> this</c><00:02:00.140><c> may</c><00:02:00.440><c> not</c><00:02:00.650><c> be</c><00:02:00.710><c> a</c><00:02:01.660><c> potential</c>

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of sanctions this may not be a potential
 

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of sanctions this may not be a potential
future<00:02:05.000><c> where</c><00:02:05.030><c> we</c><00:02:05.930><c> would</c><00:02:06.890><c> be</c><00:02:06.979><c> able</c><00:02:07.040><c> to</c><00:02:07.190><c> have</c><00:02:07.310><c> a</c>

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future where we would be able to have a
 

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future where we would be able to have a
definite<00:02:07.790><c> access</c><00:02:08.090><c> to</c><00:02:08.179><c> these</c><00:02:08.300><c> platforms</c><00:02:08.740><c> there</c>

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definite access to these platforms there
 

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definite access to these platforms there
are<00:02:09.830><c> others</c><00:02:10.390><c> where</c><00:02:11.770><c> you</c><00:02:12.770><c> can</c><00:02:12.860><c> access</c><00:02:12.980><c> US</c>

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are others where you can access US
 

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are others where you can access US
dollar<00:02:13.520><c> and</c><00:02:13.700><c> that</c><00:02:13.820><c> they're</c><00:02:14.000><c> difficult</c><00:02:14.209><c> to</c><00:02:14.540><c> use</c>

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dollar and that they're difficult to use
 

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dollar and that they're difficult to use
aft<00:02:15.920><c> and</c><00:02:16.070><c> uphold</c><00:02:16.990><c> and</c><00:02:17.990><c> then</c><00:02:18.170><c> there's</c><00:02:18.560><c> so</c><00:02:18.800><c> they</c>

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aft and uphold and then there's so they
 

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aft and uphold and then there's so they
don't<00:02:19.430><c> safe</c><00:02:19.610><c> way</c><00:02:19.790><c> to</c><00:02:19.820><c> do</c><00:02:20.000><c> it</c><00:02:20.120><c> which</c><00:02:20.540><c> is</c><00:02:20.570><c> cash</c>

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don't safe way to do it which is cash
 

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don't safe way to do it which is cash
and<00:02:23.060><c> then</c><00:02:23.209><c> in</c><00:02:23.300><c> Venezuela</c>

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and then in Venezuela
 

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and then in Venezuela
people<00:02:25.250><c> have</c><00:02:25.459><c> phones</c><00:02:26.110><c> within</c><00:02:27.110><c> her</c><00:02:27.230><c> foreign</c>

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people have phones within her foreign
 

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people have phones within her foreign
land<00:02:27.800><c> so</c><00:02:27.950><c> very</c><00:02:28.220><c> old</c><00:02:28.370><c> phones</c><00:02:28.640><c> and</c><00:02:29.000><c> they're</c>

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land so very old phones and they're
 

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land so very old phones and they're
already<00:02:29.720><c> used</c><00:02:30.080><c> to</c><00:02:30.200><c> using</c><00:02:30.290><c> digital</c><00:02:30.800><c> Oliver</c><00:02:31.340><c> so</c>

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already used to using digital Oliver so
 

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already used to using digital Oliver so
one<00:02:31.730><c> of</c><00:02:32.000><c> the</c><00:02:32.120><c> things</c><00:02:32.300><c> that</c><00:02:32.510><c> I</c><00:02:32.690><c> try</c><00:02:33.560><c> to</c><00:02:33.620><c> build</c>

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one of the things that I try to build
 

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one of the things that I try to build
this<00:02:34.190><c> for</c><00:02:34.459><c> I</c><00:02:35.500><c> think</c><00:02:36.500><c> it</c><00:02:36.620><c> makes</c><00:02:37.160><c> sense</c><00:02:37.250><c> for</c>

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this for I think it makes sense for
 

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this for I think it makes sense for
Venezuela<00:02:37.940><c> because</c><00:02:38.390><c> it</c><00:02:38.660><c> it's</c><00:02:39.350><c> already</c><00:02:39.590><c> very</c>

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Venezuela because it it's already very
 

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Venezuela because it it's already very
easy<00:02:40.760><c> and</c><00:02:41.120><c> I'm</c><00:02:41.269><c> very</c><00:02:42.160><c> very</c><00:02:43.160><c> familiar</c><00:02:44.060><c> to</c>

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easy and I'm very very familiar to
 

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easy and I'm very very familiar to
people<00:02:44.510><c> to</c><00:02:44.930><c> transact</c><00:02:45.440><c> using</c><00:02:45.860><c> problems</c><00:02:46.220><c> in</c>

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people to transact using problems in
 

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people to transact using problems in
over<00:02:46.489><c> like</c><00:02:46.730><c> at</c><00:02:46.940><c> least</c><00:02:47.180><c> using</c><00:02:47.420><c> digital</c>

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over like at least using digital
 

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over like at least using digital
transactions<00:02:49.230><c> so</c><00:02:50.870><c> what</c><00:02:51.870><c> we</c><00:02:52.110><c> build</c><00:02:52.380><c> is</c><00:02:52.710><c> an</c>

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transactions so what we build is an
 

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transactions so what we build is an
open-source<00:02:53.100><c> framework</c><00:02:53.520><c> to</c><00:02:53.910><c> accelerate</c>

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open-source framework to accelerate
 

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open-source framework to accelerate
digital<00:02:54.600><c> dollar</c><00:02:54.870><c> products</c><00:02:56.000><c> looks</c><00:02:57.000><c> like</c><00:02:57.120><c> this</c>

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digital dollar products looks like this
 

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digital dollar products looks like this
it's<00:02:57.630><c> you</c><00:02:58.200><c> know</c><00:02:58.350><c> Rico</c><00:02:58.710><c> and</c><00:02:59.130><c> it</c><00:02:59.280><c> has</c><00:02:59.700><c> react</c>

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it's you know Rico and it has react
 

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it's you know Rico and it has react
native<00:03:01.100><c> open-source</c><00:03:02.100><c> wallet</c><00:03:02.430><c> that</c><00:03:03.000><c> wrong</c>

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native open-source wallet that wrong
 

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native open-source wallet that wrong
some<00:03:03.540><c> very</c><00:03:03.750><c> old</c><00:03:03.810><c> phones</c><00:03:04.170><c> and</c><00:03:04.290><c> is</c><00:03:04.380><c> actually</c>

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some very old phones and is actually
 

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some very old phones and is actually
very<00:03:05.010><c> very</c><00:03:05.340><c> hard</c><00:03:05.610><c> to</c><00:03:05.730><c> do</c><00:03:05.850><c> so</c><00:03:06.630><c> old</c><00:03:06.780><c> printer</c><00:03:07.170><c> the</c>

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very very hard to do so old printer the
 

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very very hard to do so old printer the
developers<00:03:07.890><c> was</c><00:03:08.070><c> only</c><00:03:08.430><c> just</c><00:03:08.580><c> coordinating</c>

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developers was only just coordinating
 

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developers was only just coordinating
the<00:03:09.180><c> project</c><00:03:09.770><c> and</c><00:03:11.660><c> they</c><00:03:12.660><c> there</c><00:03:13.260><c> is</c><00:03:13.290><c> a</c><00:03:13.710><c> way</c><00:03:13.860><c> to</c>

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the project and they there is a way to
 

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the project and they there is a way to
spend<00:03:14.430><c> and</c><00:03:14.760><c> receive</c><00:03:15.120><c> and</c><00:03:15.570><c> these</c><00:03:15.870><c> bees</c><00:03:16.080><c> are</c>

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spend and receive and these bees are
 

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spend and receive and these bees are
dying<00:03:16.560><c> by</c><00:03:16.980><c> using</c><00:03:17.160><c> the</c><00:03:17.400><c> x9</c><00:03:17.760><c> chain</c><00:03:17.970><c> because</c><00:03:18.510><c> it's</c>

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dying by using the x9 chain because it's
 

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dying by using the x9 chain because it's
faster<00:03:19.530><c> so</c><00:03:20.100><c> the</c><00:03:21.030><c> way</c><00:03:21.210><c> I'm</c><00:03:21.420><c> gonna</c><00:03:21.540><c> quickly</c><00:03:21.930><c> show</c>

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faster so the way I'm gonna quickly show
 

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faster so the way I'm gonna quickly show
Argos<00:03:23.250><c> tonight</c><00:03:23.430><c> -</c><00:03:23.760><c> well</c><00:03:24.030><c> it's</c><00:03:24.180><c> written</c><00:03:24.420><c> here</c>

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Argos tonight - well it's written here
 

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Argos tonight - well it's written here
so<00:03:27.620><c> we</c><00:03:28.620><c> have</c><00:03:28.770><c> a</c><00:03:28.800><c> pin</c><00:03:29.430><c> for</c><00:03:29.910><c> security</c><00:03:31.490><c> for</c><00:03:32.490><c> the</c>

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so we have a pin for security for the
 

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so we have a pin for security for the
physical<00:03:33.060><c> security</c><00:03:33.240><c> things</c><00:03:33.720><c> get</c><00:03:33.960><c> some</c><00:03:34.140><c> wrote</c>

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physical security things get some wrote
 

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physical security things get some wrote
your<00:03:35.010><c> phone</c><00:03:35.250><c> it's</c><00:03:36.000><c> not</c><00:03:36.150><c> so</c><00:03:36.390><c> easy</c><00:03:36.570><c> to</c><00:03:36.720><c> get</c><00:03:37.350><c> money</c>

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your phone it's not so easy to get money
 

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your phone it's not so easy to get money
out<00:03:37.710><c> so</c><00:03:38.520><c> you</c><00:03:38.610><c> want</c><00:03:38.700><c> to</c><00:03:38.820><c> send</c><00:03:39.030><c> two</c><00:03:39.150><c> dollars</c><00:03:40.040><c> and</c>

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out so you want to send two dollars and
 

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out so you want to send two dollars and
takes<00:03:42.600><c> a</c><00:03:42.720><c> while</c><00:03:42.870><c> you</c><00:03:43.140><c> are</c><00:03:43.440><c> in</c><00:03:43.620><c> part</c><00:03:43.920><c> because</c>

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takes a while you are in part because
 

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takes a while you are in part because
the<00:03:45.150><c> phone</c><00:03:45.390><c> is</c><00:03:45.420><c> old</c><00:03:45.750><c> and</c><00:03:46.320><c> in</c><00:03:46.470><c> part</c><00:03:46.680><c> because</c><00:03:46.830><c> the</c>

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the phone is old and in part because the
 

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the phone is old and in part because the
connection<00:03:47.400><c> is</c><00:03:47.490><c> not</c><00:03:47.670><c> so</c><00:03:47.850><c> good</c><00:03:50.270><c> workers</c><00:03:51.270><c> these</c>

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connection is not so good workers these
 

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connection is not so good workers these
things<00:03:51.780><c> could</c><00:03:52.680><c> be</c><00:03:52.739><c> in</c><00:03:53.040><c> street</c><00:03:53.400><c> food</c><00:03:53.700><c> so</c><00:03:54.300><c> you</c>

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things could be in street food so you
 

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things could be in street food so you
have<00:03:54.540><c> cure</c><00:03:54.810><c> codes</c><00:03:55.050><c> you</c><00:03:55.200><c> can</c><00:03:55.489><c> paste</c><00:03:56.489><c> into</c><00:03:56.730><c> it</c><00:03:57.030><c> or</c>

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have cure codes you can paste into it or
 

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have cure codes you can paste into it or
where<00:03:57.630><c> you</c><00:03:57.720><c> can</c><00:03:57.900><c> send</c><00:03:58.260><c> to</c><00:03:58.500><c> a</c><00:03:58.530><c> contact</c><00:03:59.010><c> and</c>

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where you can send to a contact and
 

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where you can send to a contact and
we<00:04:00.470><c> would</c><00:04:00.620><c> use</c><00:04:00.770><c> the</c><00:04:00.890><c> channels</c><00:04:01.220><c> that</c><00:04:01.280><c> people</c>

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we would use the channels that people
 

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we would use the channels that people
already<00:04:01.700><c> use</c><00:04:02.000><c> so</c><00:04:02.569><c> you</c><00:04:02.629><c> want</c><00:04:02.959><c> to</c><00:04:03.050><c> send</c><00:04:03.319><c> money</c><00:04:03.770><c> to</c>

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already use so you want to send money to
 

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already use so you want to send money to
a<00:04:04.160><c> friend</c><00:04:04.489><c> that</c><00:04:04.730><c> you</c><00:04:04.849><c> already</c><00:04:05.060><c> have</c><00:04:05.180><c> what's</c><00:04:05.450><c> up</c>

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a friend that you already have what's up
 

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a friend that you already have what's up
you<00:04:05.810><c> can</c><00:04:05.930><c> do</c><00:04:06.050><c> it</c><00:04:06.200><c> very</c><00:04:06.680><c> easily</c><00:04:06.800><c> and</c><00:04:07.640><c> then</c><00:04:07.879><c> just</c>

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you can do it very easily and then just
 

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you can do it very easily and then just
do<00:04:09.140><c> it</c><00:04:09.170><c> through</c><00:04:09.410><c> a</c><00:04:09.440><c> payment</c><00:04:09.620><c> link</c><00:04:10.030><c> so</c><00:04:12.310><c> you're</c>

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do it through a payment link so you're
 

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do it through a payment link so you're
gonna<00:04:13.459><c> get</c><00:04:13.910><c> link</c><00:04:14.300><c> then</c><00:04:15.140><c> I</c><00:04:15.500><c> feel</c><00:04:16.340><c> it</c><00:04:16.489><c> again</c><00:04:16.579><c> when</c>

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gonna get link then I feel it again when
 

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gonna get link then I feel it again when
you<00:04:17.180><c> click</c><00:04:17.780><c> on</c><00:04:17.810><c> the</c><00:04:18.079><c> link</c><00:04:18.290><c> the</c><00:04:19.100><c> app</c><00:04:19.220><c> opens</c><00:04:19.700><c> but</c>

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you click on the link the app opens but
 

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you click on the link the app opens but
this<00:04:20.209><c> is</c><00:04:20.450><c> something</c><00:04:20.750><c> that</c><00:04:20.780><c> doesn't</c><00:04:21.470><c> work</c><00:04:21.620><c> on</c>

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this is something that doesn't work on
 

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this is something that doesn't work on
every<00:04:22.040><c> Android</c><00:04:22.220><c> version</c><00:04:22.610><c> and</c><00:04:22.700><c> something</c><00:04:23.030><c> that</c>

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every Android version and something that
 

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every Android version and something that
we<00:04:23.240><c> need</c><00:04:23.270><c> more</c><00:04:23.660><c> help</c><00:04:23.810><c> with</c><00:04:23.930><c> to</c><00:04:24.440><c> like</c><00:04:24.590><c> to</c><00:04:24.740><c> make</c>

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we need more help with to like to make
 

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we need more help with to like to make
to<00:04:24.979><c> make</c><00:04:25.100><c> sure</c><00:04:25.310><c> that</c><00:04:25.520><c> is</c><00:04:26.740><c> it</c><00:04:27.740><c> works</c><00:04:27.950><c> out</c><00:04:28.130><c> of</c><00:04:28.250><c> box</c>

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to make sure that is it works out of box
 

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to make sure that is it works out of box
right<00:04:28.760><c> here</c><00:04:29.270><c> we</c><00:04:29.660><c> need</c><00:04:29.810><c> $2</c><00:04:30.350><c> today</c><00:04:31.570><c> that</c><00:04:32.570><c> was</c><00:04:32.810><c> the</c>

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right here we need $2 today that was the
 

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right here we need $2 today that was the
idea<00:04:33.260><c> is</c><00:04:33.470><c> to</c><00:04:33.650><c> use</c><00:04:33.680><c> the</c><00:04:34.070><c> term</c><00:04:34.520><c> dollar</c><00:04:34.820><c> tell</c><00:04:35.150><c> that</c>

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idea is to use the term dollar tell that
 

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idea is to use the term dollar tell that
die<00:04:35.450><c> so</c><00:04:35.720><c> that</c><00:04:35.750><c> people</c><00:04:36.110><c> know</c><00:04:36.290><c> what</c><00:04:36.320><c> it</c><00:04:36.590><c> is</c><00:04:37.060><c> the</c>

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die so that people know what it is the
 

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die so that people know what it is the
holidays<00:04:38.450><c> and</c><00:04:38.870><c> then</c><00:04:40.270><c> I'm</c><00:04:41.270><c> going</c><00:04:41.540><c> to</c><00:04:41.570><c> talk</c>

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holidays and then I'm going to talk
 

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holidays and then I'm going to talk
about<00:04:41.750><c> the</c><00:04:42.590><c> application</c><00:04:42.979><c> that</c><00:04:43.070><c> I</c><00:04:43.130><c> see</c><00:04:43.310><c> for</c>

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about the application that I see for
 

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about the application that I see for
this<00:04:43.610><c> because</c><00:04:44.360><c> this</c><00:04:44.540><c> is</c><00:04:44.600><c> again</c><00:04:45.350><c> it's</c><00:04:45.590><c> an</c><00:04:45.680><c> open</c>

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this because this is again it's an open
 

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this because this is again it's an open
source<00:04:46.100><c> product</c><00:04:46.990><c> that</c><00:04:47.990><c> I</c><00:04:48.260><c> approach</c><00:04:48.650><c> you</c><00:04:48.800><c> to</c>

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source product that I approach you to
 

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source product that I approach you to
build<00:04:49.460><c> upon</c><00:04:49.610><c> but</c><00:04:50.060><c> it's</c><00:04:50.180><c> not</c><00:04:50.419><c> a</c><00:04:50.450><c> fully</c><00:04:50.900><c> fledged</c>

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build upon but it's not a fully fledged
 

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build upon but it's not a fully fledged
solution<00:04:51.770><c> that's</c><00:04:51.950><c> going</c><00:04:52.190><c> to</c><00:04:52.310><c> revolutionize</c>

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solution that's going to revolutionize
 

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solution that's going to revolutionize
where<00:04:53.270><c> that</c><00:04:53.419><c> not</c><00:04:53.600><c> on</c><00:04:53.750><c> its</c><00:04:53.870><c> own</c><00:04:54.610><c> but</c><00:04:55.610><c> I</c><00:04:55.669><c> think</c>

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where that not on its own but I think
 

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where that not on its own but I think
what<00:04:57.050><c> we</c><00:04:57.169><c> should</c><00:04:57.200><c> do</c><00:04:57.470><c> on</c><00:04:57.889><c> forward</c><00:04:58.310><c> is</c><00:04:58.430><c> to</c><00:04:58.460><c> build</c>

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what we should do on forward is to build
 

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what we should do on forward is to build
on<00:04:58.970><c> this</c><00:04:59.210><c> so</c><00:04:59.930><c> when</c><00:05:00.410><c> I</c><00:05:00.440><c> just</c><00:05:00.830><c> quickly</c><00:05:01.100><c> say</c><00:05:01.430><c> build</c>

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on this so when I just quickly say build
 

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on this so when I just quickly say build
by<00:05:02.270><c> is</c><00:05:02.330><c> like</c><00:05:02.960><c> you</c><00:05:03.139><c> know</c><00:05:03.229><c> awesome</c><00:05:03.500><c> that's</c><00:05:03.860><c> the</c>

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by is like you know awesome that's the
 

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by is like you know awesome that's the
first<00:05:04.880><c> Christmas</c><00:05:05.060><c> with</c><00:05:05.389><c> build</c><00:05:06.050><c> a</c><00:05:06.200><c> behavior</c>

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first Christmas with build a behavior
 

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first Christmas with build a behavior
and

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and
 

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and
by<00:05:08.530><c> bridge</c><00:05:09.310><c> these</c><00:05:10.030><c> guys</c><00:05:10.240><c> and</c><00:05:10.510><c> then</c><00:05:11.290><c> a</c><00:05:11.320><c> sporadic</c>

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by bridge these guys and then a sporadic
 

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by bridge these guys and then a sporadic
sponsored<00:05:12.280><c> by</c><00:05:12.400><c> make</c><00:05:12.610><c> here</c><00:05:12.790><c> at</c><00:05:12.850><c> minus-6</c>

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sponsored by make here at minus-6
 

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sponsored by make here at minus-6
if<00:05:15.760><c> you</c><00:05:15.970><c> want</c><00:05:16.150><c> help</c><00:05:16.300><c> this</c><00:05:16.450><c> gesture</c><00:05:16.870><c> getting</c>

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if you want help this gesture getting
 

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if you want help this gesture getting
you<00:05:17.920><c> a</c><00:05:18.040><c> five-dollar</c><00:05:18.490><c> Lincoln</c><00:05:18.880><c> it's</c><00:05:19.000><c> in</c>

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you a five-dollar Lincoln it's in
 

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you a five-dollar Lincoln it's in
exciting<00:05:19.870><c> so</c><00:05:20.080><c> just</c><00:05:20.260><c> reach</c><00:05:20.500><c> out</c><00:05:20.650><c> to</c><00:05:20.800><c> me</c><00:05:20.890><c> outside</c>

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exciting so just reach out to me outside
 

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exciting so just reach out to me outside
the<00:05:21.250><c> ground</c><00:05:21.480><c> and</c><00:05:22.480><c> then</c><00:05:22.630><c> what</c><00:05:22.870><c> I</c><00:05:22.900><c> really</c><00:05:23.110><c> want</c>

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the ground and then what I really want
 

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the ground and then what I really want
you<00:05:23.830><c> to</c><00:05:23.860><c> get</c><00:05:24.040><c> out</c><00:05:24.190><c> of</c><00:05:24.220><c> this</c><00:05:24.520><c> is</c><00:05:24.610><c> that</c><00:05:24.640><c> you</c><00:05:24.850><c> can</c>

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you to get out of this is that you can
 

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you to get out of this is that you can
build<00:05:25.150><c> on</c><00:05:25.300><c> top</c><00:05:25.480><c> of</c><00:05:25.540><c> this</c><00:05:26.110><c> framework</c><00:05:27.010><c> and</c><00:05:27.400><c> for</c>

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build on top of this framework and for
 

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build on top of this framework and for
example<00:05:28.660><c> reserve</c><00:05:29.160><c> has</c><00:05:30.160><c> a</c><00:05:30.610><c> an</c><00:05:31.450><c> app</c><00:05:31.930><c> that</c><00:05:32.290><c> lets</c>

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example reserve has a an app that lets
 

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example reserve has a an app that lets
means<00:05:32.740><c> to</c><00:05:32.860><c> us</c><00:05:33.040><c> by</c><00:05:33.220><c> itself</c><00:05:33.840><c> dollars</c><00:05:34.840><c> and</c><00:05:35.140><c> if</c>

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means to us by itself dollars and if
 

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means to us by itself dollars and if
they<00:05:35.950><c> could</c><00:05:36.190><c> also</c><00:05:36.460><c> allow</c><00:05:36.850><c> to</c><00:05:37.090><c> transact</c><00:05:37.510><c> using</c>

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they could also allow to transact using
 

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they could also allow to transact using
this<00:05:37.930><c> network</c><00:05:38.230><c> for</c><00:05:38.350><c> example</c><00:05:38.410><c> they</c><00:05:38.770><c> could</c>

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this network for example they could
 

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this network for example they could
integrate<00:05:39.400><c> that</c><00:05:39.700><c> into</c><00:05:40.060><c> this</c><00:05:40.360><c> into</c><00:05:40.630><c> their</c><00:05:40.750><c> app</c>

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integrate that into this into their app
 

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integrate that into this into their app
and<00:05:41.170><c> also</c><00:05:41.650><c> value</c><00:05:41.980><c> is</c><00:05:42.100><c> another</c><00:05:42.340><c> company</c><00:05:42.700><c> that's</c>

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and also value is another company that's
 

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and also value is another company that's
a<00:05:43.360><c> lot</c><00:05:44.170><c> of</c><00:05:44.230><c> people</c><00:05:44.470><c> send</c><00:05:44.710><c> money</c><00:05:44.950><c> to</c><00:05:46.680><c> each</c><00:05:47.680><c> other</c>

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a lot of people send money to each other
 

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a lot of people send money to each other
and<00:05:48.280><c> if</c><00:05:48.640><c> they</c><00:05:48.820><c> allowed</c><00:05:49.240><c> to</c><00:05:49.270><c> send</c><00:05:49.540><c> money</c><00:05:49.810><c> into</c>

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and if they allowed to send money into
 

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and if they allowed to send money into
digital<00:05:50.920><c> dollars</c><00:05:51.400><c> that</c><00:05:51.760><c> would</c><00:05:51.910><c> be</c><00:05:52.060><c> also</c><00:05:52.510><c> a</c>

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digital dollars that would be also a
 

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digital dollars that would be also a
great<00:05:52.900><c> tool</c><00:05:53.080><c> a</c><00:05:53.230><c> okay</c><00:05:53.860><c> nobody's</c><00:05:54.310><c> like</c><00:05:54.430><c> these</c>

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great tool a okay nobody's like these
 

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great tool a okay nobody's like these
that<00:05:54.700><c> have</c><00:05:54.850><c> products</c><00:05:55.180><c> that</c><00:05:55.240><c> are</c><00:05:55.330><c> targeted</c><00:05:55.420><c> to</c>

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that have products that are targeted to
 

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that have products that are targeted to
inspect<00:05:56.320><c> they</c><00:05:56.470><c> could</c><00:05:56.620><c> use</c><00:05:56.800><c> these</c><00:05:57.960><c> open</c><00:05:58.960><c> source</c>

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inspect they could use these open source
 

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inspect they could use these open source
were<00:05:59.800><c> to</c><00:05:59.950><c> improve</c><00:06:00.190><c> their</c><00:06:00.400><c> products</c>

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[Applause]

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you