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foreign

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[Music]

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we're<00:00:13.980><c> here</c><00:00:14.160><c> to</c><00:00:14.340><c> talk</c><00:00:14.460><c> about</c><00:00:14.639><c> understanding</c>

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we're here to talk about understanding
 

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we're here to talk about understanding
Latin<00:00:15.960><c> Americans</c><00:00:16.440><c> and</c><00:00:17.220><c> to</c><00:00:17.520><c> design</c><00:00:17.699><c> a</c><00:00:18.060><c> local</c>

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Latin Americans and to design a local
 

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Latin Americans and to design a local
flavor<00:00:19.140><c> D5</c><00:00:19.619><c> platform</c>

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flavor D5 platform
 

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flavor D5 platform
so<00:00:21.180><c> the</c><00:00:21.300><c> question</c><00:00:21.539><c> straight</c><00:00:21.900><c> to</c><00:00:22.140><c> the</c><00:00:22.260><c> point</c><00:00:22.380><c> is</c>

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so the question straight to the point is
 

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so the question straight to the point is
how<00:00:23.400><c> do</c><00:00:23.580><c> we</c><00:00:23.880><c> understand</c><00:00:24.240><c> Latin</c><00:00:25.080><c> Americans</c><00:00:25.619><c> and</c>

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how do we understand Latin Americans and
 

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how do we understand Latin Americans and
this<00:00:26.340><c> is</c><00:00:26.460><c> not</c><00:00:27.180><c> a</c><00:00:27.680><c> global</c><00:00:28.680><c> question</c><00:00:28.920><c> it's</c><00:00:29.279><c> more</c>

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this is not a global question it's more
 

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this is not a global question it's more
local<00:00:30.000><c> question</c><00:00:30.679><c> but</c><00:00:31.679><c> we</c><00:00:32.340><c> use</c><00:00:32.579><c> a</c><00:00:33.059><c> unique</c>

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local question but we use a unique
 

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local question but we use a unique
method<00:00:33.840><c> in</c><00:00:34.140><c> our</c><00:00:34.559><c> team</c><00:00:34.800><c> a</c><00:00:35.340><c> model</c><00:00:35.640><c> we</c><00:00:35.940><c> created</c>

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method in our team a model we created
 

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method in our team a model we created
yes<00:00:38.000><c> to</c><00:00:39.000><c> understand</c><00:00:40.040><c> all</c><00:00:41.040><c> that</c><00:00:41.280><c> we</c><00:00:41.520><c> can</c><00:00:41.760><c> with</c>

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yes to understand all that we can with
 

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yes to understand all that we can with
uh<00:00:43.020><c> in-depth</c><00:00:43.559><c> research</c><00:00:44.040><c> and</c><00:00:44.879><c> also</c><00:00:45.440><c> combining</c>

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uh in-depth research and also combining
 

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uh in-depth research and also combining
with<00:00:46.980><c> a</c><00:00:47.280><c> community</c><00:00:47.520><c> model</c><00:00:47.940><c> so</c><00:00:48.719><c> what</c><00:00:49.020><c> we</c><00:00:49.200><c> do</c><00:00:49.379><c> is</c>

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with a community model so what we do is
 

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with a community model so what we do is
basically<00:00:50.160><c> we</c><00:00:50.460><c> try</c><00:00:50.640><c> to</c><00:00:50.820><c> engage</c>

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basically we try to engage
 

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basically we try to engage
we<00:00:52.440><c> try</c><00:00:52.620><c> to</c><00:00:52.800><c> educate</c><00:00:53.579><c> and</c><00:00:54.300><c> we</c><00:00:54.600><c> evolve</c><00:00:55.500><c> with</c><00:00:56.039><c> our</c>

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we try to educate and we evolve with our
 

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we try to educate and we evolve with our
users<00:00:57.180><c> but</c><00:00:57.840><c> not</c><00:00:58.079><c> they</c><00:00:58.379><c> are</c><00:00:58.559><c> not</c><00:00:58.680><c> only</c><00:00:58.860><c> users</c>

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users but not they are not only users
 

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users but not they are not only users
they<00:00:59.579><c> are</c><00:00:59.760><c> contributors</c><00:01:00.480><c> so</c><00:01:01.260><c> we</c><00:01:01.500><c> created</c><00:01:02.120><c> a</c>

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they are contributors so we created a
 

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they are contributors so we created a
two-level<00:01:03.719><c> community</c><00:01:04.339><c> one</c><00:01:05.339><c> part</c><00:01:05.880><c> of</c><00:01:06.060><c> the</c>

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two-level community one part of the
 

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two-level community one part of the
community

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community
 

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community
are<00:01:08.280><c> the</c><00:01:08.820><c> global</c><00:01:09.240><c> community</c><00:01:09.479><c> and</c><00:01:10.020><c> then</c><00:01:10.140><c> we</c>

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are the global community and then we
 

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are the global community and then we
have<00:01:10.500><c> the</c><00:01:10.799><c> Community</c><00:01:11.100><c> Builders</c><00:01:11.700><c> why</c>

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have the Community Builders why
 

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have the Community Builders why
well<00:01:13.080><c> we</c><00:01:13.680><c> want</c><00:01:13.799><c> to</c><00:01:13.920><c> create</c><00:01:14.220><c> long-term</c>

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well we want to create long-term
 

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well we want to create long-term
relationships<00:01:15.920><c> and</c><00:01:16.920><c> we</c><00:01:17.220><c> don't</c><00:01:17.340><c> we</c><00:01:17.700><c> want</c><00:01:17.820><c> to</c>

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relationships and we don't we want to
 

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relationships and we don't we want to
engage<00:01:18.360><c> with</c><00:01:18.840><c> our</c><00:01:19.020><c> users</c><00:01:19.439><c> we</c><00:01:19.799><c> want</c><00:01:20.040><c> to</c><00:01:20.939><c> to</c>

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engage with our users we want to to
 

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engage with our users we want to to
create<00:01:21.540><c> value</c><00:01:22.320><c> together</c><00:01:22.799><c> to</c><00:01:23.640><c> co-create</c><00:01:24.240><c> value</c>

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create value together to co-create value
 

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create value together to co-create value
and<00:01:25.140><c> grow</c><00:01:25.320><c> in</c><00:01:25.500><c> together</c><00:01:25.700><c> in</c><00:01:26.700><c> a</c><00:01:26.820><c> long-term</c>

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and grow in together in a long-term
 

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and grow in together in a long-term
process<00:01:27.619><c> to</c><00:01:28.619><c> to</c><00:01:28.860><c> have</c><00:01:29.159><c> a</c><00:01:29.460><c> better</c><00:01:29.580><c> product</c><00:01:29.939><c> and</c>

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process to to have a better product and
 

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process to to have a better product and
to<00:01:30.840><c> have</c><00:01:31.340><c> uh</c><00:01:32.340><c> contributors</c><00:01:33.180><c> all</c><00:01:33.840><c> along</c><00:01:34.259><c> this</c>

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to have uh contributors all along this
 

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to have uh contributors all along this
this<00:01:34.979><c> way</c>

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this way
 

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this way
so

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so
 

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so
applying<00:01:39.000><c> this</c><00:01:39.119><c> model</c>

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applying this model
 

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applying this model
we<00:01:41.159><c> we</c><00:01:41.400><c> learned</c><00:01:41.880><c> a</c><00:01:42.360><c> lot</c><00:01:42.420><c> of</c><00:01:42.540><c> things</c><00:01:42.780><c> we</c><00:01:43.439><c> brought</c>

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we we learned a lot of things we brought
 

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we we learned a lot of things we brought
here<00:01:43.920><c> five</c><00:01:44.400><c> main</c><00:01:44.640><c> learnings</c>

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here five main learnings
 

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here five main learnings
and<00:01:46.380><c> we</c><00:01:46.560><c> will</c><00:01:46.740><c> buy</c><00:01:47.040><c> one</c><00:01:47.280><c> by</c><00:01:47.520><c> one</c>

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and we will buy one by one
 

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and we will buy one by one
so<00:01:49.619><c> the</c><00:01:49.860><c> first</c><00:01:50.040><c> insight</c>

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so the first insight
 

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so the first insight
the<00:01:51.960><c> first</c><00:01:52.079><c> Insight</c><00:01:52.740><c> is</c><00:01:53.280><c> that</c><00:01:53.520><c> convenience</c>

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the first Insight is that convenience
 

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the first Insight is that convenience
it's

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it's
 

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it's
decentralization<00:01:56.939><c> for</c><00:01:57.360><c> breakfast</c><00:01:57.540><c> what</c><00:01:58.500><c> does</c>

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decentralization for breakfast what does
 

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decentralization for breakfast what does
it<00:01:58.799><c> mean</c>

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it mean
 

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it mean
well<00:02:00.240><c> basically</c><00:02:00.860><c> users</c><00:02:01.860><c> normal</c><00:02:02.159><c> users</c>

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well basically users normal users
 

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well basically users normal users
average<00:02:02.939><c> users</c><00:02:03.540><c> don't</c><00:02:04.320><c> understand</c>

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average users don't understand
 

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average users don't understand
decentralization<00:02:06.000><c> at</c><00:02:06.719><c> the</c><00:02:06.840><c> beginning</c><00:02:06.960><c> so</c>

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decentralization at the beginning so
 

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decentralization at the beginning so
it's<00:02:08.160><c> a</c><00:02:08.280><c> gradual</c><00:02:08.700><c> process</c><00:02:09.179><c> and</c><00:02:09.599><c> we</c><00:02:09.780><c> need</c><00:02:09.959><c> to</c>

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it's a gradual process and we need to
 

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it's a gradual process and we need to
help<00:02:10.560><c> them</c><00:02:10.800><c> to</c><00:02:11.280><c> educate</c><00:02:11.760><c> them</c><00:02:12.060><c> and</c><00:02:12.599><c> especially</c>

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help them to educate them and especially
 

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help them to educate them and especially
to<00:02:13.920><c> have</c><00:02:14.400><c> decentralization</c><00:02:15.360><c> as</c><00:02:16.200><c> an</c><00:02:16.440><c> invisible</c>

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to have decentralization as an invisible
 

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to have decentralization as an invisible
concept<00:02:17.879><c> so</c><00:02:18.599><c> we</c><00:02:19.020><c> we</c><00:02:19.319><c> cannot</c><00:02:19.920><c> ask</c><00:02:20.580><c> our</c><00:02:20.940><c> users</c>

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concept so we we cannot ask our users
 

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concept so we we cannot ask our users
just<00:02:22.020><c> to</c><00:02:22.319><c> have</c><00:02:22.560><c> a</c><00:02:22.860><c> ux</c><00:02:23.580><c> or</c><00:02:23.879><c> an</c><00:02:24.120><c> experience</c><00:02:24.599><c> that</c>

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just to have a ux or an experience that
 

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just to have a ux or an experience that
is<00:02:25.620><c> so</c><00:02:25.920><c> complicated</c><00:02:26.400><c> for</c><00:02:27.239><c> them</c><00:02:27.420><c> that</c><00:02:28.020><c> they</c>

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is so complicated for them that they
 

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is so complicated for them that they
will<00:02:28.440><c> give</c><00:02:28.739><c> up</c><00:02:29.340><c> in</c><00:02:29.819><c> the</c><00:02:29.940><c> beginning</c>

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will give up in the beginning
 

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will give up in the beginning
then<00:02:32.400><c> as</c><00:02:33.180><c> Latin</c><00:02:33.660><c> Americans</c><00:02:34.340><c> we</c><00:02:35.340><c> kill</c><00:02:35.940><c> four</c>

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then as Latin Americans we kill four
 

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then as Latin Americans we kill four
dollars

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dollars
 

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dollars
dollars<00:02:38.459><c> are</c><00:02:38.760><c> our</c><00:02:39.180><c> store</c><00:02:39.420><c> of</c><00:02:39.599><c> value</c><00:02:39.720><c> for</c><00:02:40.020><c> the</c>

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dollars are our store of value for the
 

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dollars are our store of value for the
future<00:02:40.580><c> and</c><00:02:41.580><c> local</c><00:02:42.239><c> currency</c><00:02:42.720><c> is</c><00:02:42.900><c> the</c><00:02:43.080><c> enemy</c>

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future and local currency is the enemy
 

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future and local currency is the enemy
and<00:02:44.519><c> most</c><00:02:44.700><c> of</c><00:02:44.879><c> you</c><00:02:45.000><c> probably</c><00:02:45.360><c> know</c><00:02:45.599><c> it</c><00:02:45.840><c> so</c>

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and most of you probably know it so
 

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and most of you probably know it so
we<00:02:48.660><c> need</c><00:02:48.900><c> to</c><00:02:49.260><c> also</c><00:02:49.560><c> adapt</c><00:02:50.040><c> to</c><00:02:50.280><c> current</c><00:02:50.879><c> mental</c>

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we need to also adapt to current mental
 

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we need to also adapt to current mental
models<00:02:51.900><c> so</c><00:02:52.739><c> in</c><00:02:53.220><c> the</c><00:02:53.340><c> crypto</c><00:02:53.640><c> ecosystem</c><00:02:54.120><c> if</c><00:02:54.720><c> you</c>

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models so in the crypto ecosystem if you
 

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models so in the crypto ecosystem if you
have<00:02:55.080><c> a</c><00:02:55.440><c> platform</c><00:02:55.860><c> probably</c><00:02:56.459><c> you</c><00:02:56.760><c> have</c>

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have a platform probably you have
 

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have a platform probably you have
several<00:02:57.300><c> stable</c><00:02:57.599><c> coins</c><00:02:58.019><c> but</c><00:02:58.739><c> this</c><00:02:58.980><c> is</c><00:02:59.160><c> a</c>

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several stable coins but this is a
 

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several stable coins but this is a
non-existing<00:03:00.540><c> mental</c><00:03:00.959><c> model</c>

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non-existing mental model
 

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non-existing mental model
Uh<00:03:03.120><c> current</c><00:03:03.360><c> users</c><00:03:03.840><c> they</c><00:03:04.260><c> will</c><00:03:04.379><c> think</c><00:03:04.560><c> there</c>

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Uh current users they will think there
 

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Uh current users they will think there
is<00:03:05.400><c> only</c><00:03:05.700><c> one</c><00:03:06.000><c> dollar</c><00:03:06.180><c> so</c><00:03:06.900><c> we</c><00:03:07.140><c> need</c><00:03:07.260><c> to</c><00:03:07.379><c> adapt</c>

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is only one dollar so we need to adapt
 

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is only one dollar so we need to adapt
to<00:03:07.860><c> these</c><00:03:08.220><c> existing</c><00:03:08.640><c> models</c><00:03:09.120><c> just</c><00:03:09.780><c> to</c><00:03:10.140><c> provide</c>

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to these existing models just to provide
 

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to these existing models just to provide
them<00:03:10.800><c> a</c><00:03:11.760><c> better</c><00:03:12.000><c> experience</c>

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them a better experience
 

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them a better experience
if<00:03:14.640><c> we're</c><00:03:14.760><c> talking</c><00:03:15.000><c> about</c><00:03:15.239><c> savings</c>

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if we're talking about savings
 

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if we're talking about savings
we<00:03:18.120><c> think</c><00:03:18.300><c> well</c>

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we think well
 

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we think well
it's<00:03:20.459><c> it's</c><00:03:20.580><c> good</c><00:03:21.239><c> a</c><00:03:21.780><c> day</c><00:03:22.080><c> our</c><00:03:22.379><c> users</c><00:03:22.739><c> our</c>

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it's it's good a day our users our
 

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it's it's good a day our users our
contributors<00:03:23.760><c> will</c><00:03:24.480><c> learn</c>

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contributors will learn
 

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contributors will learn
about<00:03:25.800><c> web3</c><00:03:26.340><c> but</c><00:03:26.760><c> first</c><00:03:27.120><c> we</c><00:03:27.599><c> need</c><00:03:27.780><c> to</c><00:03:27.900><c> teach</c>

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about web3 but first we need to teach
 

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about web3 but first we need to teach
them<00:03:28.459><c> how</c><00:03:29.459><c> to</c><00:03:29.580><c> save</c>

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them how to save
 

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them how to save
this<00:03:31.680><c> sounds</c><00:03:32.220><c> obvious</c><00:03:32.879><c> but</c><00:03:33.300><c> it</c><00:03:33.720><c> is</c><00:03:33.840><c> not</c><00:03:34.140><c> most</c>

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this sounds obvious but it is not most
 

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this sounds obvious but it is not most
of<00:03:35.040><c> them</c><00:03:35.220><c> in</c><00:03:35.700><c> Latin</c><00:03:36.180><c> America</c><00:03:36.300><c> in</c><00:03:36.599><c> general</c><00:03:36.780><c> is</c>

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of them in Latin America in general is
 

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of them in Latin America in general is
difficult<00:03:37.739><c> to</c><00:03:37.980><c> save</c><00:03:38.239><c> it's</c><00:03:39.239><c> not</c><00:03:39.420><c> a</c><00:03:39.599><c> common</c>

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difficult to save it's not a common
 

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difficult to save it's not a common
Habit<00:03:40.260><c> to</c><00:03:40.560><c> save</c><00:03:40.739><c> and</c>

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Habit to save and
 

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Habit to save and
if<00:03:43.860><c> you</c><00:03:44.040><c> don't</c><00:03:44.220><c> choose</c><00:03:44.640><c> the</c><00:03:45.000><c> right</c><00:03:45.180><c> path</c><00:03:45.420><c> if</c>

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if you don't choose the right path if
 

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if you don't choose the right path if
you<00:03:46.200><c> don't</c><00:03:46.379><c> know</c><00:03:46.680><c> how</c><00:03:47.280><c> to</c><00:03:47.459><c> apply</c><00:03:47.760><c> certain</c>

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you don't know how to apply certain
 

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you don't know how to apply certain
methods<00:03:48.659><c> to</c><00:03:48.900><c> save</c><00:03:49.080><c> if</c><00:03:49.620><c> you</c><00:03:49.739><c> don't</c><00:03:49.860><c> have</c><00:03:49.980><c> the</c>

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methods to save if you don't have the
 

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methods to save if you don't have the
tools<00:03:50.519><c> to</c><00:03:50.760><c> do</c><00:03:50.879><c> it</c><00:03:51.060><c> you</c><00:03:51.900><c> will</c><00:03:52.080><c> have</c><00:03:52.319><c> that</c><00:03:52.980><c> you</c>

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tools to do it you will have that you
 

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tools to do it you will have that you
you<00:03:53.340><c> will</c><00:03:53.519><c> open</c><00:03:53.700><c> the</c><00:03:53.940><c> door</c><00:03:54.120><c> of</c><00:03:54.599><c> abusive</c><00:03:55.319><c> loans</c>

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you will open the door of abusive loans
 

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you will open the door of abusive loans
which<00:03:56.519><c> is</c><00:03:56.700><c> a</c><00:03:57.360><c> vicious</c><00:03:58.019><c> circle</c><00:03:58.260><c> that</c><00:03:59.040><c> it's</c><00:03:59.280><c> very</c>

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which is a vicious circle that it's very
 

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which is a vicious circle that it's very
very<00:03:59.940><c> difficult</c><00:04:00.360><c> to</c><00:04:01.140><c> accept</c>

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very difficult to accept
 

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very difficult to accept
so

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so
 

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so
some<00:04:04.319><c> of</c><00:04:04.440><c> our</c><00:04:04.560><c> users</c><00:04:05.040><c> we</c><00:04:05.280><c> understood</c><00:04:05.879><c> that</c>

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some of our users we understood that
 

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some of our users we understood that
it's<00:04:06.480><c> very</c><00:04:07.080><c> important</c><00:04:07.799><c> not</c><00:04:08.220><c> only</c><00:04:08.340><c> to</c><00:04:08.700><c> help</c>

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it's very important not only to help
 

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it's very important not only to help
them<00:04:09.180><c> save</c><00:04:09.480><c> but</c><00:04:10.140><c> also</c><00:04:10.500><c> to</c><00:04:11.280><c> educate</c><00:04:11.879><c> them</c><00:04:12.120><c> to</c>

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them save but also to educate them to
 

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them save but also to educate them to
get<00:04:12.900><c> out</c><00:04:13.140><c> of</c><00:04:13.260><c> this</c><00:04:13.680><c> visual</c><00:04:14.400><c> Circle</c>

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if<00:04:18.000><c> we</c><00:04:18.180><c> talk</c><00:04:18.419><c> about</c><00:04:18.720><c> loans</c><00:04:19.320><c> that's</c><00:04:20.040><c> how</c><00:04:20.220><c> I</c><00:04:20.400><c> was</c>

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if we talk about loans that's how I was
 

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if we talk about loans that's how I was
doing<00:04:20.699><c> it</c>

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doing it
 

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doing it
um<00:04:22.440><c> first</c><00:04:23.280><c> loans</c><00:04:24.000><c> are</c><00:04:24.240><c> hard</c><00:04:24.600><c> to</c><00:04:24.780><c> get</c><00:04:24.900><c> in</c><00:04:25.680><c> Latin</c>

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um first loans are hard to get in Latin
 

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um first loans are hard to get in Latin
America<00:04:26.540><c> and</c><00:04:27.540><c> harder</c>

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America and harder
 

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America and harder
to<00:04:29.639><c> to</c><00:04:30.120><c> pay</c>

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to to pay
 

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to to pay
and<00:04:31.979><c> we</c><00:04:32.460><c> have</c><00:04:32.639><c> high</c><00:04:33.060><c> interest</c><00:04:33.300><c> rates</c><00:04:33.840><c> we</c><00:04:34.680><c> have</c>

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and we have high interest rates we have
 

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and we have high interest rates we have
a<00:04:35.460><c> big</c><00:04:36.300><c> barrier</c><00:04:36.660><c> that</c><00:04:36.840><c> is</c><00:04:37.020><c> the</c><00:04:37.199><c> credit</c><00:04:37.500><c> history</c>

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a big barrier that is the credit history
 

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a big barrier that is the credit history
but<00:04:39.000><c> especially</c>

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but especially
 

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but especially
I<00:04:40.620><c> would</c><00:04:40.740><c> like</c><00:04:40.860><c> to</c><00:04:41.100><c> to</c><00:04:41.460><c> focus</c><00:04:42.020><c> on</c><00:04:43.020><c> conscious</c>

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I would like to to focus on conscious
 

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I would like to to focus on conscious
decisions<00:04:44.720><c> so</c><00:04:45.720><c> if</c><00:04:46.380><c> we</c><00:04:46.500><c> have</c><00:04:46.680><c> the</c><00:04:47.040><c> urgency</c><00:04:47.220><c> to</c>

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decisions so if we have the urgency to
 

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decisions so if we have the urgency to
get<00:04:47.759><c> a</c><00:04:47.940><c> loan</c><00:04:48.479><c> that's</c><00:04:49.380><c> a</c><00:04:49.620><c> bad</c><00:04:49.919><c> situation</c><00:04:50.460><c> there</c>

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get a loan that's a bad situation there
 

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get a loan that's a bad situation there
is<00:04:51.240><c> no</c><00:04:51.360><c> negotiation</c><00:04:51.840><c> and</c><00:04:52.320><c> probably</c><00:04:52.500><c> we</c><00:04:52.740><c> will</c>

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is no negotiation and probably we will
 

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is no negotiation and probably we will
get<00:04:53.100><c> into</c><00:04:53.220><c> this</c><00:04:53.580><c> vicious</c><00:04:53.940><c> circle</c><00:04:54.240><c> that</c><00:04:54.540><c> I</c>

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get into this vicious circle that I
 

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get into this vicious circle that I
mentioned<00:04:54.960><c> before</c><00:04:55.199><c> so</c>

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mentioned before so
 

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mentioned before so
we<00:04:57.840><c> need</c><00:04:58.020><c> to</c><00:04:58.380><c> educate</c><00:04:58.979><c> our</c><00:04:59.400><c> users</c><00:04:59.880><c> in</c><00:05:00.360><c> our</c>

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we need to educate our users in our
 

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we need to educate our users in our
platforms<00:05:01.199><c> to</c><00:05:02.100><c> make</c><00:05:02.520><c> conscious</c><00:05:03.060><c> decisions</c><00:05:03.600><c> we</c>

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platforms to make conscious decisions we
 

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platforms to make conscious decisions we
need<00:05:04.440><c> to</c><00:05:04.560><c> provide</c><00:05:05.040><c> them</c><00:05:05.220><c> the</c><00:05:05.400><c> right</c>

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need to provide them the right
 

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need to provide them the right
information<00:05:05.840><c> to</c><00:05:06.840><c> understand</c><00:05:06.960><c> the</c>

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information to understand the
 

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information to understand the
consequences<00:05:07.979><c> of</c><00:05:08.880><c> their</c><00:05:09.240><c> decisions</c><00:05:09.660><c> because</c>

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consequences of their decisions because
 

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consequences of their decisions because
we<00:05:10.440><c> are</c><00:05:10.560><c> talking</c><00:05:10.680><c> about</c><00:05:10.919><c> financial</c><00:05:11.220><c> products</c>

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we are talking about financial products
 

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we are talking about financial products
we<00:05:12.180><c> are</c><00:05:12.360><c> talking</c><00:05:12.479><c> about</c><00:05:12.660><c> money</c><00:05:13.020><c> and</c><00:05:13.800><c> probably</c>

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we are talking about money and probably
 

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we are talking about money and probably
the<00:05:14.880><c> well-being</c><00:05:15.479><c> of</c><00:05:15.600><c> families</c>

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finally

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finally
 

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finally
our<00:05:20.880><c> last</c><00:05:21.120><c> insight</c>

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our last insight
 

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our last insight
is<00:05:23.220><c> that</c><00:05:23.699><c> trust</c><00:05:24.120><c> is</c><00:05:24.740><c> careful</c><00:05:25.740><c> Source</c><00:05:26.220><c> in</c><00:05:26.520><c> Latin</c>

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is that trust is careful Source in Latin
 

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is that trust is careful Source in Latin
America

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America
 

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America
so<00:05:28.500><c> scams</c><00:05:29.340><c> are</c><00:05:29.880><c> frequent</c><00:05:30.300><c> not</c><00:05:30.660><c> only</c><00:05:30.780><c> in</c><00:05:30.960><c> crypto</c>

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so scams are frequent not only in crypto
 

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so scams are frequent not only in crypto
but<00:05:31.800><c> also</c><00:05:32.479><c> in</c><00:05:33.479><c> any</c><00:05:34.259><c> Financial</c><00:05:34.620><c> Service</c><00:05:35.419><c> and</c>

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but also in any Financial Service and
 

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but also in any Financial Service and
it's<00:05:36.840><c> very</c><00:05:37.139><c> very</c><00:05:37.320><c> complicated</c><00:05:37.860><c> to</c>

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it's very very complicated to
 

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it's very very complicated to
differentiate<00:05:38.880><c> between</c><00:05:39.500><c> uh</c><00:05:40.820><c> proper</c><00:05:41.820><c> service</c>

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differentiate between uh proper service
 

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differentiate between uh proper service
and<00:05:42.600><c> scam</c>

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and scam
 

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and scam
then<00:05:44.220><c> in</c><00:05:44.580><c> general</c><00:05:44.840><c> governments</c><00:05:45.840><c> don't</c>

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then in general governments don't
 

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then in general governments don't
protect<00:05:46.740><c> us</c><00:05:46.919><c> and</c><00:05:47.820><c> people</c><00:05:48.060><c> don't</c><00:05:48.300><c> trust</c>

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protect us and people don't trust
 

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protect us and people don't trust
governments<00:05:49.199><c> so</c><00:05:50.039><c> it's</c><00:05:50.639><c> also</c><00:05:51.180><c> a</c><00:05:51.360><c> big</c><00:05:51.720><c> barrier</c>

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governments so it's also a big barrier
 

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governments so it's also a big barrier
and<00:05:52.979><c> Banks</c><00:05:53.520><c> take</c><00:05:54.120><c> the</c><00:05:54.300><c> advantage</c><00:05:54.780><c> of</c><00:05:55.680><c> its</c>

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and Banks take the advantage of its
 

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and Banks take the advantage of its
privileged<00:05:56.699><c> position</c><00:05:56.940><c> so</c><00:05:57.800><c> this</c><00:05:58.800><c> it's</c><00:05:59.280><c> a</c>

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privileged position so this it's a
 

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privileged position so this it's a
combination<00:06:00.180><c> of</c><00:06:00.479><c> factors</c><00:06:00.960><c> which</c><00:06:01.500><c> makes</c>

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combination of factors which makes
 

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combination of factors which makes
everything<00:06:03.199><c> very</c><00:06:04.199><c> particular</c><00:06:04.680><c> and</c>

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everything very particular and
 

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everything very particular and
especially<00:06:05.820><c> difficult</c>

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especially difficult
 

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especially difficult
so<00:06:07.979><c> with</c><00:06:08.280><c> all</c><00:06:08.580><c> these</c><00:06:08.880><c> that</c><00:06:09.240><c> I've</c><00:06:09.419><c> explained</c>

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so with all these that I've explained
 

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so with all these that I've explained
we<00:06:12.060><c> believe</c><00:06:12.300><c> we</c><00:06:12.960><c> are</c><00:06:13.139><c> working</c><00:06:13.380><c> we</c><00:06:14.039><c> are</c>

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we believe we are working we are
 

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we believe we are working we are
building<00:06:14.840><c> Tropicals</c><00:06:15.840><c> that</c><00:06:16.139><c> is</c><00:06:16.259><c> the</c><00:06:16.380><c> platform</c>

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building Tropicals that is the platform
 

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building Tropicals that is the platform
to<00:06:17.940><c> to</c><00:06:18.419><c> create</c><00:06:18.780><c> better</c><00:06:19.320><c> personal</c><00:06:19.919><c> finances</c>

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to to create better personal finances
 

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to to create better personal finances
using<00:06:21.360><c> web</c><00:06:21.660><c> web3</c><00:06:22.699><c> and</c><00:06:23.699><c> in</c><00:06:24.120><c> Latin</c><00:06:24.479><c> America</c>

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using web web3 and in Latin America
 

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using web web3 and in Latin America
and<00:06:26.819><c> just</c><00:06:27.000><c> as</c><00:06:27.600><c> a</c><00:06:27.780><c> friendly</c><00:06:28.199><c> reminder</c>

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and just as a friendly reminder
 

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and just as a friendly reminder
we<00:06:31.259><c> are</c><00:06:31.440><c> not</c><00:06:31.680><c> here</c><00:06:32.639><c> for</c><00:06:33.180><c> the</c><00:06:33.360><c> technology</c><00:06:33.720><c> we</c>

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we are not here for the technology we
 

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we are not here for the technology we
are<00:06:34.620><c> here</c><00:06:34.860><c> for</c><00:06:35.520><c> the</c><00:06:35.699><c> impact</c>

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are here for the impact
 

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are here for the impact
gracias

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gracias
 

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gracias
what<00:06:39.539><c> in</c><00:06:39.720><c> your</c><00:06:39.900><c> opinion</c><00:06:40.199><c> are</c><00:06:40.440><c> the</c><00:06:40.680><c> top</c><00:06:41.100><c> three</c>

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what in your opinion are the top three
 

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what in your opinion are the top three
low-hanging<00:06:42.300><c> fruits</c><00:06:42.660><c> what</c><00:06:42.900><c> we</c><00:06:43.139><c> can</c><00:06:43.259><c> do</c><00:06:43.440><c> as</c>

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low-hanging fruits what we can do as
 

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low-hanging fruits what we can do as
Kanaya<00:06:44.819><c> people</c><00:06:45.180><c> involved</c><00:06:45.660><c> in</c><00:06:45.780><c> the</c><00:06:45.900><c> crypto</c>

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Kanaya people involved in the crypto
 

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Kanaya people involved in the crypto
ecosystem<00:06:46.740><c> to</c><00:06:47.039><c> Foster</c><00:06:47.520><c> crypto</c><00:06:47.880><c> adoption</c><00:06:48.240><c> and</c>

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ecosystem to Foster crypto adoption and
 

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ecosystem to Foster crypto adoption and
education<00:06:48.840><c> here</c><00:06:49.199><c> in</c><00:06:49.380><c> Latin</c><00:06:49.800><c> America</c>

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that's<00:06:52.740><c> a</c><00:06:52.979><c> good</c><00:06:53.100><c> question</c>

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that's a good question
 

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that's a good question
um

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um
 

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um
so<00:06:56.520><c> I</c><00:06:56.759><c> think</c><00:06:57.180><c> that</c><00:06:57.720><c> the</c><00:06:57.780><c> first</c><00:06:58.080><c> part</c><00:06:58.319><c> is</c><00:06:58.560><c> as</c><00:06:58.979><c> we</c>

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so I think that the first part is as we
 

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so I think that the first part is as we
said<00:06:59.280><c> it's</c><00:06:59.460><c> education</c><00:07:00.060><c> right</c><00:07:00.419><c> so</c><00:07:00.960><c> we</c><00:07:01.740><c> need</c><00:07:01.919><c> to</c>

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said it's education right so we need to
 

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said it's education right so we need to
educate<00:07:02.819><c> in</c><00:07:03.060><c> in</c><00:07:03.360><c> the</c><00:07:03.660><c> tools</c><00:07:04.199><c> and</c><00:07:04.560><c> especially</c>

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educate in in the tools and especially
 

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educate in in the tools and especially
try<00:07:05.940><c> to</c><00:07:06.120><c> differentiate</c><00:07:06.720><c> from</c><00:07:07.520><c> scams</c><00:07:08.520><c> which</c><00:07:08.940><c> is</c>

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try to differentiate from scams which is
 

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try to differentiate from scams which is
a<00:07:09.660><c> big</c><00:07:10.080><c> problem</c><00:07:10.319><c> because</c><00:07:10.800><c> this</c><00:07:11.220><c> there's</c><00:07:11.819><c> many</c>

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a big problem because this there's many
 

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a big problem because this there's many
people<00:07:12.780><c> is</c><00:07:13.139><c> not</c><00:07:13.680><c> trusting</c><00:07:14.220><c> crypto</c><00:07:15.080><c> they</c><00:07:16.080><c> don't</c>

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people is not trusting crypto they don't
 

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people is not trusting crypto they don't
have<00:07:16.380><c> their</c><00:07:16.740><c> technical</c><00:07:17.220><c> knowledge</c><00:07:17.639><c> they</c>

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have their technical knowledge they
 

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have their technical knowledge they
don't<00:07:18.419><c> have</c><00:07:18.660><c> the</c><00:07:19.319><c> the</c><00:07:19.919><c> whole</c><00:07:20.580><c> context</c><00:07:20.940><c> so</c>

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don't have the the whole context so
 

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don't have the the whole context so
education<00:07:22.440><c> I</c><00:07:22.860><c> think</c><00:07:22.979><c> it's</c><00:07:23.160><c> the</c><00:07:23.400><c> the</c><00:07:23.699><c> main</c>

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education I think it's the the main
 

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education I think it's the the main
the<00:07:25.139><c> main</c><00:07:25.259><c> tool</c><00:07:25.680><c> and</c>

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the main tool and
 

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the main tool and
[Music]

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[Music]
 

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[Music]
yeah<00:07:28.740><c> for</c><00:07:29.099><c> example</c><00:07:29.520><c> in</c><00:07:29.819><c> in</c><00:07:30.000><c> tropicus</c><00:07:30.539><c> we</c><00:07:30.900><c> would</c>

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yeah for example in in tropicus we would
 

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yeah for example in in tropicus we would
definitely<00:07:31.860><c> believe</c><00:07:32.580><c> that</c><00:07:33.300><c> we</c><00:07:33.780><c> need</c><00:07:33.960><c> to</c><00:07:34.259><c> use</c>

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definitely believe that we need to use
 

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definitely believe that we need to use
certain<00:07:35.759><c> standards</c><00:07:36.599><c> that</c><00:07:36.840><c> are</c><00:07:36.960><c> used</c><00:07:37.139><c> in</c><00:07:37.319><c> web</c><00:07:37.500><c> 2</c>

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certain standards that are used in web 2
 

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certain standards that are used in web 2
to<00:07:38.520><c> bring</c><00:07:38.699><c> to</c><00:07:38.880><c> web3</c><00:07:39.300><c> so</c><00:07:40.139><c> if</c><00:07:40.800><c> we</c><00:07:41.039><c> use</c><00:07:41.419><c> a</c><00:07:42.419><c> web</c><00:07:43.020><c> to</c>

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to bring to web3 so if we use a web to
 

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to bring to web3 so if we use a web to
login<00:07:43.620><c> without</c><00:07:44.460><c> all</c><00:07:44.880><c> the</c><00:07:45.000><c> seed</c><00:07:45.300><c> phrase</c><00:07:45.660><c> or</c>

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login without all the seed phrase or
 

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login without all the seed phrase or
this<00:07:47.819><c> kind</c><00:07:48.120><c> of</c><00:07:48.500><c> technicalities</c><00:07:49.520><c> it</c><00:07:50.520><c> will</c><00:07:50.639><c> help</c>

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this kind of technicalities it will help
 

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this kind of technicalities it will help
a<00:07:51.180><c> lot</c>

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a lot
 

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a lot
to<00:07:52.620><c> the</c><00:07:52.800><c> average</c><00:07:52.979><c> people</c><00:07:53.280><c> to</c><00:07:53.580><c> understand</c>

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to the average people to understand
 

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to the average people to understand
these<00:07:54.360><c> kind</c><00:07:54.479><c> of</c><00:07:54.599><c> platforms</c>