WEBVTT
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all<00:00:00.989><c> right</c><00:00:01.410><c> hello</c><00:00:02.070><c> everybody</c><00:00:02.550><c> my</c><00:00:03.000><c> name</c><00:00:03.030><c> is</c>

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all right hello everybody my name is
 

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all right hello everybody my name is
Jesse<00:00:04.380><c> I</c><00:00:04.410><c> am</c><00:00:04.710><c> the</c><00:00:04.890><c> founder</c><00:00:05.250><c> of</c><00:00:05.580><c> bloom</c><00:00:06.540><c> and</c><00:00:06.899><c> we</c>

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Jesse I am the founder of bloom and we
 

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Jesse I am the founder of bloom and we
are<00:00:07.170><c> a</c><00:00:07.200><c> decentralized</c><00:00:08.010><c> identity</c><00:00:08.610><c> and</c><00:00:08.730><c> credit</c>

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are a decentralized identity and credit
 

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are a decentralized identity and credit
scoring<00:00:09.300><c> protocol</c><00:00:09.840><c> and</c><00:00:10.110><c> today</c><00:00:10.679><c> I'm</c><00:00:10.980><c> here</c><00:00:11.160><c> to</c>

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scoring protocol and today I'm here to
 

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scoring protocol and today I'm here to
talk<00:00:11.429><c> about</c><00:00:11.490><c> something</c><00:00:12.420><c> that</c><00:00:12.570><c> most</c><00:00:12.870><c> you</c><00:00:13.049><c> guys</c>

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talk about something that most you guys
 

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talk about something that most you guys
probably<00:00:13.530><c> already</c><00:00:14.009><c> know</c><00:00:14.280><c> which</c><00:00:14.969><c> is</c><00:00:15.089><c> that</c><00:00:15.120><c> the</c>

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probably already know which is that the
 

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probably already know which is that the
entire<00:00:15.839><c> history</c><00:00:16.320><c> of</c><00:00:16.650><c> you</c><00:00:17.130><c> is</c><00:00:17.369><c> being</c><00:00:17.910><c> sold</c>

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entire history of you is being sold
 

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entire history of you is being sold
there<00:00:18.869><c> are</c><00:00:18.990><c> thousands</c><00:00:19.890><c> of</c><00:00:19.980><c> computers</c><00:00:20.400><c> tens</c><00:00:20.730><c> of</c>

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there are thousands of computers tens of
 

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there are thousands of computers tens of
thousands<00:00:21.630><c> of</c><00:00:21.720><c> companies</c><00:00:21.960><c> that</c><00:00:22.320><c> are</c><00:00:22.590><c> mining</c>

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thousands of companies that are mining
 

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thousands of companies that are mining
your<00:00:23.490><c> personal</c><00:00:23.970><c> information</c><00:00:24.240><c> pulling</c><00:00:25.199><c> it</c><00:00:25.289><c> up</c>

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your personal information pulling it up
 

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your personal information pulling it up
and<00:00:25.529><c> selling</c><00:00:26.310><c> it</c><00:00:26.400><c> in</c><00:00:26.519><c> giant</c><00:00:27.300><c> data</c><00:00:27.570><c> centers</c>

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and selling it in giant data centers
 

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and selling it in giant data centers
this<00:00:28.199><c> happens</c><00:00:28.560><c> continuously</c><00:00:28.769><c> all</c><00:00:29.580><c> day</c><00:00:30.000><c> long</c>

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this happens continuously all day long
 

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this happens continuously all day long
non-stop<00:00:31.500><c> so</c><00:00:31.949><c> in</c><00:00:32.009><c> this</c><00:00:32.130><c> five</c><00:00:32.309><c> minute</c><00:00:32.550><c> talk</c><00:00:32.640><c> I'm</c>

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non-stop so in this five minute talk I'm
 

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non-stop so in this five minute talk I'm
going<00:00:32.940><c> to</c><00:00:33.000><c> give</c><00:00:33.090><c> you</c><00:00:33.210><c> a</c><00:00:33.270><c> brief</c><00:00:33.570><c> overview</c><00:00:34.020><c> of</c>

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going to give you a brief overview of
 

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going to give you a brief overview of
how<00:00:34.380><c> bad</c><00:00:34.649><c> this</c><00:00:34.860><c> problem</c><00:00:35.309><c> actually</c><00:00:35.460><c> is</c><00:00:36.120><c> what</c>

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how bad this problem actually is what
 

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how bad this problem actually is what
practical<00:00:37.649><c> solutions</c><00:00:38.280><c> blockchain</c><00:00:39.180><c> brings</c><00:00:39.629><c> to</c>

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practical solutions blockchain brings to
 

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practical solutions blockchain brings to
actually<00:00:40.410><c> address</c><00:00:40.680><c> the</c><00:00:41.309><c> problem</c><00:00:41.760><c> that</c><00:00:41.790><c> your</c>

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actually address the problem that your
 

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actually address the problem that your
entire<00:00:42.360><c> history</c><00:00:42.930><c> is</c><00:00:43.020><c> being</c><00:00:43.230><c> sold</c><00:00:43.620><c> and</c><00:00:43.860><c> then</c>

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entire history is being sold and then
 

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entire history is being sold and then
where<00:00:44.640><c> we</c><00:00:44.879><c> are</c><00:00:45.120><c> today</c><00:00:45.570><c> what</c><00:00:45.930><c> companies</c><00:00:46.469><c> are</c>

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where we are today what companies are
 

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where we are today what companies are
currently<00:00:46.829><c> adopting</c><00:00:47.579><c> this</c><00:00:47.700><c> and</c><00:00:47.879><c> then</c><00:00:48.180><c> what</c>

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currently adopting this and then what
 

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currently adopting this and then what
technology<00:00:49.020><c> is</c><00:00:49.050><c> available</c><00:00:49.530><c> to</c><00:00:50.190><c> actually</c>

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technology is available to actually
 

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technology is available to actually
address<00:00:50.850><c> this</c><00:00:51.420><c> problem</c><00:00:52.280><c> so</c><00:00:53.280><c> this</c><00:00:53.730><c> is</c><00:00:54.030><c> a</c>

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address this problem so this is a
 

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address this problem so this is a
massive<00:00:54.989><c> problem</c><00:00:55.469><c> there</c><00:00:55.920><c> are</c><00:00:56.420><c> 10,000</c>

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massive problem there are 10,000
 

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massive problem there are 10,000
companies<00:00:57.809><c> in</c><00:00:57.930><c> the</c><00:00:58.079><c> United</c><00:00:58.710><c> States</c><00:00:59.070><c> alone</c>

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companies in the United States alone
 

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companies in the United States alone
that<00:01:00.090><c> are</c><00:01:00.390><c> registered</c><00:01:01.050><c> sellers</c><00:01:01.949><c> of</c><00:01:01.980><c> your</c>

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that are registered sellers of your
 

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that are registered sellers of your
personal<00:01:02.699><c> data</c><00:01:02.879><c> that</c><00:01:03.120><c> actually</c><00:01:03.239><c> sell</c><00:01:03.840><c> data</c><00:01:04.439><c> to</c>

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personal data that actually sell data to
 

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personal data that actually sell data to
the<00:01:04.769><c> bureau's</c><00:01:05.070><c> we're</c><00:01:05.250><c> talking</c><00:01:05.549><c> about</c><00:01:05.640><c> your</c>

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the bureau's we're talking about your
 

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the bureau's we're talking about your
bank<00:01:06.210><c> statements</c><00:01:06.689><c> utility</c><00:01:07.200><c> bills</c><00:01:07.380><c> your</c>

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bank statements utility bills your
 

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bank statements utility bills your
identity<00:01:08.070><c> documents</c><00:01:08.640><c> your</c><00:01:09.030><c> social</c><00:01:09.330><c> security</c>

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identity documents your social security
 

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identity documents your social security
information<00:01:10.100><c> everything</c><00:01:11.100><c> you</c><00:01:11.430><c> do</c><00:01:11.640><c> your</c>

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information everything you do your
 

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information everything you do your
online<00:01:12.140><c> patterns</c><00:01:13.140><c> everything</c><00:01:14.130><c> you</c><00:01:14.250><c> do</c><00:01:14.460><c> is</c>

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online patterns everything you do is
 

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online patterns everything you do is
being<00:01:15.180><c> masked</c><00:01:15.840><c> and</c><00:01:15.930><c> sold</c><00:01:16.320><c> and</c><00:01:16.560><c> it's</c><00:01:17.040><c> not</c><00:01:17.340><c> even</c>

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being masked and sold and it's not even
 

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being masked and sold and it's not even
kept<00:01:18.180><c> securely</c><00:01:18.810><c> we've</c><00:01:19.320><c> seen</c><00:01:19.619><c> what</c><00:01:19.770><c> happened</c>

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kept securely we've seen what happened
 

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kept securely we've seen what happened
in<00:01:20.189><c> the</c><00:01:20.280><c> Equifax</c><00:01:20.820><c> hack</c><00:01:21.090><c> where</c><00:01:21.270><c> they</c><00:01:21.390><c> leaked</c>

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in the Equifax hack where they leaked
 

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in the Equifax hack where they leaked
the<00:01:21.930><c> data</c><00:01:22.140><c> of</c><00:01:22.320><c> over</c><00:01:22.560><c> a</c><00:01:22.590><c> hundred</c><00:01:22.680><c> 50</c><00:01:23.369><c> million</c>

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the data of over a hundred 50 million
 

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the data of over a hundred 50 million
Americans<00:01:24.000><c> and</c><00:01:24.689><c> the</c><00:01:25.170><c> data</c><00:01:25.439><c> leak</c><00:01:25.830><c> problem</c><00:01:26.400><c> is</c>

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Americans and the data leak problem is
 

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Americans and the data leak problem is
only<00:01:26.729><c> getting</c><00:01:27.450><c> worse</c><00:01:27.840><c> if</c><00:01:28.650><c> you</c><00:01:28.740><c> ask</c><00:01:28.890><c> most</c>

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only getting worse if you ask most
 

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only getting worse if you ask most
security<00:01:29.579><c> experts</c><00:01:30.000><c> they</c><00:01:30.180><c> say</c><00:01:30.420><c> if</c><00:01:30.540><c> data</c><00:01:30.810><c> is</c>

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security experts they say if data is
 

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security experts they say if data is
stored<00:01:31.259><c> in</c><00:01:31.409><c> a</c><00:01:31.530><c> central</c><00:01:31.740><c> repository</c><00:01:32.130><c> it's</c><00:01:32.820><c> not</c>

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stored in a central repository it's not
 

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stored in a central repository it's not
a<00:01:33.180><c> matter</c><00:01:33.390><c> of</c><00:01:33.540><c> if</c><00:01:33.810><c> it</c><00:01:34.020><c> will</c><00:01:34.140><c> get</c><00:01:34.290><c> hacked</c><00:01:34.530><c> it's</c><00:01:34.950><c> a</c>

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a matter of if it will get hacked it's a
 

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a matter of if it will get hacked it's a
matter<00:01:35.250><c> of</c><00:01:35.340><c> when</c><00:01:35.880><c> it</c><00:01:36.119><c> will</c><00:01:36.299><c> get</c><00:01:36.420><c> hacked</c><00:01:36.659><c> and</c>

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matter of when it will get hacked and
 

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matter of when it will get hacked and
that's<00:01:37.140><c> exactly</c><00:01:37.560><c> what</c><00:01:38.040><c> we're</c><00:01:38.220><c> seeing</c><00:01:38.549><c> data</c>

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that's exactly what we're seeing data
 

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that's exactly what we're seeing data
that<00:01:39.390><c> is</c><00:01:39.509><c> stored</c><00:01:39.689><c> centrally</c><00:01:40.290><c> is</c><00:01:40.829><c> exposed</c><00:01:41.820><c> and</c>

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that is stored centrally is exposed and
 

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that is stored centrally is exposed and
the<00:01:42.270><c> problem</c><00:01:42.840><c> is</c><00:01:42.990><c> getting</c><00:01:43.320><c> worse</c><00:01:43.680><c> no</c><00:01:44.579><c> one</c><00:01:44.909><c> is</c>

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the problem is getting worse no one is
 

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the problem is getting worse no one is
immune<00:01:45.479><c> even</c><00:01:45.990><c> Facebook</c><00:01:46.670><c> had</c><00:01:47.670><c> a</c><00:01:47.939><c> data</c><00:01:48.210><c> leak</c>

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immune even Facebook had a data leak
 

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immune even Facebook had a data leak
recently<00:01:48.960><c> and</c><00:01:49.860><c> it's</c><00:01:50.189><c> not</c><00:01:50.460><c> even</c><00:01:50.759><c> that</c><00:01:50.970><c> these</c>

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recently and it's not even that these
 

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recently and it's not even that these
bureaus<00:01:51.479><c> are</c><00:01:51.780><c> bad</c><00:01:52.020><c> at</c><00:01:52.320><c> storing</c><00:01:53.159><c> it</c>

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bureaus are bad at storing it
 

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bureaus are bad at storing it
they<00:01:53.610><c> are</c><00:01:53.759><c> also</c><00:01:54.000><c> bad</c><00:01:54.600><c> at</c><00:01:54.860><c> understanding</c><00:01:55.860><c> it</c>

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they are also bad at understanding it
 

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they are also bad at understanding it
the<00:01:56.369><c> data</c><00:01:56.700><c> problem</c><00:01:57.360><c> has</c><00:01:57.600><c> bias</c><00:01:58.170><c> in</c><00:01:58.590><c> China</c><00:01:58.920><c> your</c>

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the data problem has bias in China your
 

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the data problem has bias in China your
political<00:01:59.549><c> affiliation</c><00:01:59.930><c> influences</c><00:02:00.930><c> your</c>

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political affiliation influences your
 

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political affiliation influences your
credit<00:02:01.320><c> score</c><00:02:01.590><c> in</c><00:02:01.770><c> the</c><00:02:02.100><c> United</c><00:02:02.520><c> States</c>

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credit score in the United States
 

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credit score in the United States
whether<00:02:02.939><c> you</c><00:02:03.060><c> check</c><00:02:03.329><c> your</c><00:02:03.479><c> credit</c><00:02:03.630><c> score</c>

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whether you check your credit score
 

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whether you check your credit score
makes<00:02:04.140><c> it</c><00:02:04.290><c> go</c><00:02:04.409><c> down</c><00:02:04.710><c> and</c><00:02:05.070><c> these</c><00:02:05.340><c> things</c><00:02:05.460><c> are</c>

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makes it go down and these things are
 

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makes it go down and these things are
like<00:02:05.700><c> mathematically</c><00:02:06.509><c> proven</c><00:02:06.960><c> not</c><00:02:07.259><c> to</c><00:02:07.530><c> matter</c>

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like mathematically proven not to matter
 

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like mathematically proven not to matter
but<00:02:08.550><c> it</c><00:02:08.670><c> doesn't</c><00:02:09.090><c> matter</c><00:02:09.270><c> because</c><00:02:09.690><c> central</c>

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but it doesn't matter because central
 

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but it doesn't matter because central
companies<00:02:11.009><c> are</c><00:02:11.190><c> interpreting</c><00:02:12.060><c> data</c>

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companies are interpreting data
 

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companies are interpreting data
huge<00:02:13.530><c> problem</c><00:02:14.130><c> huge</c><00:02:14.700><c> problem</c><00:02:15.360><c> so</c><00:02:15.920><c> obviously</c>

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huge problem huge problem so obviously
 

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huge problem huge problem so obviously
the<00:02:17.190><c> decentralized</c><00:02:17.910><c> world</c><00:02:18.150><c> presents</c><00:02:18.750><c> a</c>

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the decentralized world presents a
 

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the decentralized world presents a
solution<00:02:21.230><c> so</c><00:02:22.230><c> I</c><00:02:22.260><c> talked</c><00:02:22.530><c> about</c><00:02:22.740><c> the</c><00:02:22.890><c> failures</c>

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solution so I talked about the failures
 

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solution so I talked about the failures
but<00:02:24.030><c> where</c><00:02:24.480><c> can</c><00:02:24.870><c> blockchain</c><00:02:25.530><c> help</c><00:02:25.860><c> how</c><00:02:26.100><c> can</c>

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but where can blockchain help how can
 

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but where can blockchain help how can
blockchain<00:02:26.970><c> stop</c><00:02:27.480><c> this</c><00:02:27.900><c> egregious</c><00:02:28.380><c> misuse</c><00:02:29.069><c> of</c>

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blockchain stop this egregious misuse of
 

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blockchain stop this egregious misuse of
data<00:02:30.110><c> well</c><00:02:31.110><c> we</c><00:02:31.470><c> are</c><00:02:31.560><c> actually</c><00:02:31.770><c> in</c><00:02:32.130><c> a</c>

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data well we are actually in a
 

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data well we are actually in a
remarkably<00:02:33.060><c> lucky</c><00:02:33.630><c> time</c><00:02:34.020><c> period</c><00:02:34.440><c> because</c><00:02:34.530><c> GDP</c>

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remarkably lucky time period because GDP
 

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remarkably lucky time period because GDP
are<00:02:35.550><c> the</c><00:02:35.819><c> European</c><00:02:36.420><c> Data</c><00:02:37.140><c> Act</c><00:02:37.350><c> that</c><00:02:37.650><c> kept</c><00:02:37.920><c> that</c>

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are the European Data Act that kept that
 

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are the European Data Act that kept that
makes<00:02:38.520><c> it</c><00:02:38.670><c> so</c><00:02:38.790><c> that</c><00:02:38.819><c> you</c><00:02:39.000><c> can't</c><00:02:39.209><c> store</c>

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makes it so that you can't store
 

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makes it so that you can't store
personal<00:02:39.900><c> information</c><00:02:40.500><c> the</c><00:02:41.069><c> California</c><00:02:41.790><c> Data</c>

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personal information the California Data
 

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personal information the California Data
Protection<00:02:42.150><c> Act</c><00:02:42.600><c> all</c><00:02:43.170><c> of</c><00:02:43.530><c> the</c><00:02:43.650><c> Senate</c><00:02:44.220><c> action</c>

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Protection Act all of the Senate action
 

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Protection Act all of the Senate action
that's<00:02:44.820><c> happening</c><00:02:44.910><c> the</c><00:02:45.600><c> global</c><00:02:46.590><c> world</c><00:02:46.980><c> the</c>

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that's happening the global world the
 

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that's happening the global world the
fortune<00:02:48.180><c> 500</c><00:02:48.530><c> nobody</c><00:02:49.530><c> wants</c><00:02:50.070><c> to</c><00:02:50.100><c> be</c><00:02:50.400><c> the</c><00:02:50.430><c> next</c>

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fortune 500 nobody wants to be the next
 

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fortune 500 nobody wants to be the next
Equifax<00:02:51.780><c> they</c><00:02:52.230><c> are</c><00:02:52.350><c> actively</c><00:02:53.160><c> pursuing</c>

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Equifax they are actively pursuing
 

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Equifax they are actively pursuing
blockchain<00:02:54.720><c> solutions</c><00:02:55.200><c> today</c><00:02:55.590><c> right</c><00:02:56.459><c> now</c><00:02:56.489><c> to</c>

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blockchain solutions today right now to
 

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blockchain solutions today right now to
make<00:02:57.450><c> sure</c><00:02:57.660><c> that</c><00:02:57.750><c> their</c><00:02:58.019><c> data</c><00:02:58.260><c> is</c><00:02:58.410><c> kept</c>

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make sure that their data is kept
 

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make sure that their data is kept
securely<00:02:59.900><c> so</c><00:03:00.900><c> here's</c><00:03:01.110><c> a</c><00:03:01.170><c> few</c><00:03:01.410><c> principles</c><00:03:01.980><c> one</c>

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securely so here's a few principles one
 

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securely so here's a few principles one
users<00:03:03.540><c> must</c><00:03:03.840><c> own</c><00:03:04.110><c> their</c><00:03:04.739><c> data</c><00:03:04.769><c> users</c><00:03:05.459><c> need</c><00:03:05.640><c> to</c>

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users must own their data users need to
 

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users must own their data users need to
be<00:03:05.760><c> the</c><00:03:05.910><c> custodian</c><00:03:06.900><c> of</c><00:03:07.050><c> their</c><00:03:07.560><c> own</c><00:03:07.739><c> data</c><00:03:08.069><c> if</c>

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be the custodian of their own data if
 

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be the custodian of their own data if
the<00:03:08.640><c> user</c><00:03:09.090><c> owns</c><00:03:09.540><c> the</c><00:03:09.750><c> data</c><00:03:09.900><c> the</c><00:03:10.290><c> user</c><00:03:10.319><c> can</c>

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the user owns the data the user can
 

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the user owns the data the user can
decide<00:03:11.400><c> how</c><00:03:11.940><c> its</c><00:03:12.150><c> shared</c><00:03:12.420><c> that</c><00:03:12.840><c> means</c><00:03:13.050><c> local</c>

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decide how its shared that means local
 

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decide how its shared that means local
device<00:03:13.739><c> storage</c><00:03:14.100><c> on</c><00:03:14.400><c> blum</c><00:03:14.670><c> we</c><00:03:14.970><c> store</c><00:03:15.269><c> the</c><00:03:15.420><c> data</c>

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device storage on blum we store the data
 

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device storage on blum we store the data
right<00:03:15.900><c> on</c><00:03:16.080><c> the</c><00:03:16.200><c> user's</c><00:03:16.500><c> local</c><00:03:16.739><c> device</c><00:03:17.070><c> there's</c>

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right on the user's local device there's
 

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right on the user's local device there's
obviously<00:03:17.880><c> other</c><00:03:17.970><c> methods</c><00:03:18.510><c> of</c><00:03:18.630><c> doing</c><00:03:18.750><c> this</c>

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obviously other methods of doing this
 

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obviously other methods of doing this
ipfs<00:03:19.799><c> or</c><00:03:20.130><c> any</c><00:03:20.549><c> sort</c><00:03:20.880><c> of</c><00:03:20.940><c> local</c><00:03:21.239><c> storage</c><00:03:21.480><c> can</c>

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ipfs or any sort of local storage can
 

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ipfs or any sort of local storage can
accomplish<00:03:22.049><c> the</c><00:03:22.380><c> same</c><00:03:22.650><c> feat</c><00:03:24.290><c> limiting</c><00:03:25.290><c> access</c>

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accomplish the same feat limiting access
 

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accomplish the same feat limiting access
raw<00:03:26.850><c> information</c><00:03:27.750><c> is</c><00:03:27.900><c> a</c><00:03:28.019><c> killer</c><00:03:28.530><c> limiting</c>

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raw information is a killer limiting
 

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raw information is a killer limiting
access<00:03:30.030><c> to</c><00:03:30.209><c> raw</c><00:03:30.540><c> information</c><00:03:30.840><c> is</c><00:03:31.590><c> a</c><00:03:31.829><c> absolute</c>

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access to raw information is a absolute
 

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access to raw information is a absolute
requirement<00:03:33.360><c> of</c><00:03:33.480><c> secure</c><00:03:33.900><c> data</c><00:03:34.170><c> sharing</c><00:03:34.500><c> on</c>

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requirement of secure data sharing on
 

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requirement of secure data sharing on
bloom<00:03:35.340><c> we</c><00:03:35.730><c> don't</c><00:03:35.970><c> actually</c><00:03:36.420><c> we</c><00:03:37.019><c> have</c><00:03:37.110><c> multiple</c>

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bloom we don't actually we have multiple
 

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bloom we don't actually we have multiple
mechanisms<00:03:37.680><c> to</c><00:03:38.130><c> share</c><00:03:38.370><c> data</c><00:03:38.670><c> but</c><00:03:38.880><c> the</c><00:03:39.000><c> user</c><00:03:39.420><c> is</c>

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mechanisms to share data but the user is
 

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mechanisms to share data but the user is
responsible<00:03:40.380><c> to</c><00:03:40.530><c> trigger</c><00:03:40.739><c> that</c><00:03:40.920><c> sharing</c><00:03:41.370><c> and</c>

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responsible to trigger that sharing and
 

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responsible to trigger that sharing and
you<00:03:41.790><c> don't</c><00:03:42.120><c> need</c><00:03:42.390><c> to</c><00:03:42.450><c> share</c><00:03:42.780><c> the</c><00:03:42.930><c> full</c><00:03:43.200><c> raw</c>

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you don't need to share the full raw
 

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you don't need to share the full raw
information<00:03:44.010><c> you</c><00:03:44.070><c> can</c><00:03:44.220><c> just</c><00:03:44.370><c> share</c><00:03:44.519><c> the</c><00:03:44.700><c> fact</c>

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information you can just share the fact
 

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information you can just share the fact
that<00:03:44.970><c> you're</c><00:03:45.120><c> over</c><00:03:45.450><c> 21</c><00:03:45.930><c> or</c><00:03:46.140><c> that</c><00:03:46.530><c> your</c>

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that you're over 21 or that your
 

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that you're over 21 or that your
passports<00:03:47.130><c> been</c><00:03:47.250><c> validated</c><00:03:47.700><c> you</c><00:03:48.120><c> don't</c>

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passports been validated you don't
 

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passports been validated you don't
actually<00:03:48.540><c> have</c><00:03:48.690><c> to</c><00:03:49.049><c> share</c><00:03:49.440><c> the</c><00:03:49.859><c> raw</c>

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actually have to share the raw
 

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actually have to share the raw
information<00:03:50.130><c> that's</c><00:03:50.609><c> a</c><00:03:50.700><c> series</c><00:03:50.970><c> of</c><00:03:51.000><c> miracle</c>

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information that's a series of miracle
 

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information that's a series of miracle
proofs<00:03:52.519><c> we</c><00:03:53.519><c> make</c><00:03:54.030><c> this</c><00:03:54.150><c> easy</c><00:03:54.390><c> if</c><00:03:54.570><c> any</c><00:03:54.690><c> of</c><00:03:54.810><c> you</c>

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proofs we make this easy if any of you
 

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proofs we make this easy if any of you
guys<00:03:54.959><c> actually</c><00:03:55.320><c> want</c><00:03:55.440><c> to</c><00:03:55.470><c> develop</c><00:03:55.680><c> this</c><00:03:56.010><c> this</c>

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guys actually want to develop this this
 

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guys actually want to develop this this
is<00:03:56.250><c> an</c><00:03:56.370><c> open</c><00:03:56.579><c> source</c><00:03:56.700><c> protocol</c><00:03:57.299><c> it's</c>

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is an open source protocol it's
 

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is an open source protocol it's
obviously<00:03:57.900><c> easy</c><00:03:58.590><c> to</c><00:03:58.769><c> get</c><00:03:58.890><c> started</c><00:03:59.070><c> we</c><00:03:59.310><c> have</c><00:03:59.459><c> a</c>

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obviously easy to get started we have a
 

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obviously easy to get started we have a
builder<00:04:00.239><c> so</c><00:04:00.420><c> that</c><00:04:00.540><c> you</c><00:04:00.600><c> can</c><00:04:00.750><c> actually</c><00:04:00.870><c> build</c>

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builder so that you can actually build
 

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builder so that you can actually build
the<00:04:01.620><c> system</c><00:04:01.950><c> to</c><00:04:02.040><c> start</c><00:04:02.220><c> integrating</c><00:04:02.430><c> this</c>

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the system to start integrating this
 

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the system to start integrating this
data<00:04:04.519><c> reusability</c><00:04:05.519><c> is</c><00:04:05.940><c> another</c><00:04:06.540><c> critical</c>

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data reusability is another critical
 

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data reusability is another critical
component<00:04:07.350><c> making</c><00:04:08.130><c> the</c><00:04:08.220><c> data</c><00:04:08.450><c> reusable</c><00:04:09.450><c> and</c>

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component making the data reusable and
 

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component making the data reusable and
low<00:04:09.810><c> cost</c><00:04:10.140><c> reusability</c><00:04:10.680><c> but</c><00:04:11.190><c> then</c><00:04:11.310><c> also</c>

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low cost reusability but then also
 

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low cost reusability but then also
making<00:04:12.239><c> it</c><00:04:12.390><c> easy</c><00:04:12.600><c> to</c><00:04:12.780><c> get</c><00:04:13.019><c> the</c><00:04:13.230><c> data</c><00:04:13.410><c> onto</c>

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making it easy to get the data onto
 

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making it easy to get the data onto
users<00:04:14.430><c> local</c><00:04:14.609><c> device</c><00:04:14.910><c> gamifying</c><00:04:15.630><c> the</c>

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users local device gamifying the
 

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users local device gamifying the
experience<00:04:16.470><c> putting</c><00:04:16.680><c> it</c><00:04:16.829><c> in</c><00:04:16.919><c> an</c><00:04:17.010><c> app</c>

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experience putting it in an app
 

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experience putting it in an app
experience<00:04:17.940><c> we</c><00:04:18.720><c> have</c><00:04:18.840><c> over</c><00:04:19.019><c> a</c><00:04:19.049><c> hundred</c>

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experience we have over a hundred
 

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experience we have over a hundred
thousand<00:04:20.250><c> users</c><00:04:20.579><c> thirty</c><00:04:21.120><c> thousand</c><00:04:21.750><c> on</c><00:04:21.930><c> chain</c>

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thousand users thirty thousand on chain
 

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thousand users thirty thousand on chain
users<00:04:22.650><c> that</c><00:04:22.770><c> have</c><00:04:22.890><c> completed</c><00:04:23.490><c> their</c><00:04:23.820><c> data</c>

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users that have completed their data
 

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users that have completed their data
onboarding<00:04:24.720><c> so</c><00:04:25.080><c> good</c><00:04:25.380><c> UX</c><00:04:25.710><c> is</c>

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onboarding so good UX is
 

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onboarding so good UX is
working<00:04:26.669><c> and</c><00:04:27.540><c> then</c><00:04:27.750><c> last</c><00:04:28.020><c> where</c><00:04:28.710><c> is</c><00:04:28.979><c> the</c>

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working and then last where is the
 

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working and then last where is the
future<00:04:29.400><c> going</c><00:04:30.229><c> you</c><00:04:31.229><c> know</c><00:04:31.320><c> we've</c><00:04:31.530><c> seen</c>

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future going you know we've seen
 

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future going you know we've seen
recently<00:04:32.310><c> Tim</c><00:04:32.550><c> Cook</c><00:04:32.850><c> go</c><00:04:33.060><c> on</c><00:04:33.180><c> a</c><00:04:33.210><c> tweet</c><00:04:33.540><c> storm</c>

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recently Tim Cook go on a tweet storm
 

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recently Tim Cook go on a tweet storm
about<00:04:34.410><c> maintaining</c><00:04:34.889><c> user's</c><00:04:35.370><c> privacy</c><00:04:35.790><c> and</c>

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about maintaining user's privacy and
 

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about maintaining user's privacy and
maintaining<00:04:36.449><c> data</c><00:04:36.600><c> we</c><00:04:37.050><c> see</c><00:04:37.260><c> a</c><00:04:37.290><c> lot</c><00:04:37.710><c> of</c><00:04:37.740><c> thought</c>

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maintaining data we see a lot of thought
 

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maintaining data we see a lot of thought
leaders<00:04:38.490><c> in</c><00:04:38.610><c> this</c><00:04:38.729><c> space</c><00:04:38.790><c> and</c><00:04:39.150><c> as</c><00:04:39.540><c> I</c><00:04:39.690><c> mentioned</c>

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leaders in this space and as I mentioned
 

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leaders in this space and as I mentioned
fortune<00:04:40.560><c> 500</c><00:04:41.160><c> are</c><00:04:41.310><c> looking</c><00:04:41.910><c> to</c><00:04:42.150><c> adopt</c><00:04:42.449><c> this</c>

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fortune 500 are looking to adopt this
 

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fortune 500 are looking to adopt this
technology<00:04:43.410><c> to</c><00:04:43.770><c> day</c><00:04:44.520><c> bloom's</c><00:04:45.330><c> protocols</c><00:04:45.780><c> open</c>

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technology to day bloom's protocols open
 

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technology to day bloom's protocols open
source<00:04:46.380><c> anyone</c><00:04:47.070><c> can</c><00:04:47.370><c> sell</c><00:04:47.639><c> these</c><00:04:47.880><c> deals</c><00:04:48.150><c> but</c>

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source anyone can sell these deals but
 

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source anyone can sell these deals but
we<00:04:48.750><c> just</c><00:04:49.080><c> signed</c><00:04:49.380><c> a</c><00:04:49.500><c> deal</c><00:04:49.680><c> with</c><00:04:49.740><c> a</c><00:04:49.889><c> BMW</c><00:04:50.220><c> to</c>

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we just signed a deal with a BMW to
 

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we just signed a deal with a BMW to
actually<00:04:51.389><c> implement</c><00:04:51.780><c> blooms</c><00:04:52.169><c> open-source</c>

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actually implement blooms open-source
 

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actually implement blooms open-source
protocol<00:04:53.610><c> in</c><00:04:53.790><c> the</c><00:04:53.910><c> BMW</c><00:04:54.180><c> lending</c><00:04:54.840><c> experience</c>

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protocol in the BMW lending experience
 

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protocol in the BMW lending experience
for<00:04:55.620><c> their</c><00:04:55.760><c> 500,000</c><00:04:56.760><c> plus</c><00:04:57.060><c> loans</c><00:04:57.630><c> a</c><00:04:57.960><c> year</c><00:04:58.470><c> and</c>

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for their 500,000 plus loans a year and
 

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for their 500,000 plus loans a year and
we<00:04:59.310><c> actually</c><00:04:59.460><c> I'm</c><00:05:00.180><c> just</c><00:05:00.419><c> announcing</c><00:05:00.780><c> this</c><00:05:00.960><c> now</c>

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we actually I'm just announcing this now
 

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we actually I'm just announcing this now
but<00:05:01.380><c> we</c><00:05:01.530><c> also</c><00:05:01.770><c> just</c><00:05:02.100><c> signed</c><00:05:02.340><c> a</c><00:05:02.400><c> deal</c><00:05:02.430><c> with</c>

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but we also just signed a deal with
 

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but we also just signed a deal with
American<00:05:02.789><c> Express</c><00:05:03.720><c> in</c><00:05:03.960><c> 17</c><00:05:04.770><c> countries</c><00:05:05.130><c> to</c>

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American Express in 17 countries to
 

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American Express in 17 countries to
implement<00:05:06.120><c> blooms</c><00:05:06.600><c> open</c><00:05:07.080><c> source</c><00:05:07.289><c> protocol</c><00:05:07.830><c> to</c>

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implement blooms open source protocol to
 

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implement blooms open source protocol to
actually<00:05:08.580><c> apply</c><00:05:08.789><c> for</c><00:05:09.180><c> loans</c><00:05:09.510><c> and</c><00:05:09.750><c> validate</c>

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actually apply for loans and validate
 

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actually apply for loans and validate
that<00:05:10.410><c> information</c><00:05:11.100><c> in</c><00:05:11.250><c> more</c><00:05:11.580><c> than</c><00:05:11.760><c> 17</c>

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that information in more than 17
 

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that information in more than 17
countries<00:05:12.660><c> but</c><00:05:13.110><c> it</c><00:05:13.260><c> is</c><00:05:13.380><c> not</c><00:05:13.620><c> just</c><00:05:14.250><c> bloom</c><00:05:14.760><c> you</c>

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countries but it is not just bloom you
 

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countries but it is not just bloom you
guys<00:05:15.870><c> have</c><00:05:16.350><c> the</c><00:05:16.620><c> ability</c><00:05:17.070><c> to</c><00:05:17.100><c> sell</c><00:05:17.610><c> these</c><00:05:17.880><c> same</c>

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guys have the ability to sell these same
 

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guys have the ability to sell these same
deals<00:05:18.600><c> the</c><00:05:19.020><c> time</c><00:05:19.470><c> is</c><00:05:19.800><c> now</c><00:05:20.300><c> gdpr</c><00:05:21.300><c> and</c>

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deals the time is now gdpr and
 

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deals the time is now gdpr and
compliance<00:05:22.350><c> has</c><00:05:22.470><c> opened</c><00:05:23.220><c> up</c><00:05:23.340><c> the</c><00:05:23.729><c> Gateway</c><00:05:23.940><c> for</c>

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compliance has opened up the Gateway for
 

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compliance has opened up the Gateway for
blockchain<00:05:25.199><c> businesses</c><00:05:25.740><c> to</c><00:05:25.919><c> actually</c><00:05:26.400><c> sell</c>

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blockchain businesses to actually sell
 

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blockchain businesses to actually sell
into<00:05:27.090><c> Fortune</c><00:05:27.449><c> 500's</c><00:05:28.110><c> we're</c><00:05:28.410><c> not</c><00:05:28.530><c> doing</c>

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into Fortune 500's we're not doing
 

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into Fortune 500's we're not doing
anything<00:05:29.130><c> special</c><00:05:29.460><c> well</c><00:05:30.180><c> but</c><00:05:30.330><c> we</c><00:05:30.479><c> have</c><00:05:30.599><c> the</c>

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anything special well but we have the
 

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anything special well but we have the
same<00:05:31.050><c> access</c><00:05:31.530><c> to</c><00:05:31.650><c> the</c><00:05:31.770><c> same</c><00:05:31.979><c> tools</c><00:05:32.190><c> that</c><00:05:32.430><c> you</c>

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same access to the same tools that you
 

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same access to the same tools that you
guys<00:05:32.700><c> have</c><00:05:32.970><c> and</c><00:05:33.180><c> the</c><00:05:33.539><c> regulatory</c><00:05:34.050><c> environment</c>

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guys have and the regulatory environment
 

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guys have and the regulatory environment
has<00:05:35.099><c> paved</c><00:05:35.580><c> the</c><00:05:35.880><c> way</c><00:05:36.030><c> to</c><00:05:36.690><c> change</c><00:05:36.960><c> the</c><00:05:37.260><c> future</c>

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has paved the way to change the future
 

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has paved the way to change the future
of<00:05:37.800><c> data</c><00:05:38.840><c> my</c><00:05:39.840><c> name</c><00:05:39.990><c> is</c><00:05:40.080><c> Jessie</c><00:05:40.410><c> again</c><00:05:40.620><c> I'm</c><00:05:40.770><c> the</c>

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of data my name is Jessie again I'm the
 

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of data my name is Jessie again I'm the
founder<00:05:41.430><c> of</c><00:05:41.460><c> bloom</c><00:05:42.090><c> we've</c><00:05:42.750><c> been</c><00:05:42.870><c> working</c><00:05:43.169><c> on</c>

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founder of bloom we've been working on
 

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founder of bloom we've been working on
this<00:05:43.380><c> research</c><00:05:43.710><c> for</c><00:05:43.919><c> quite</c><00:05:44.130><c> some</c><00:05:44.340><c> time</c><00:05:44.370><c> my</c>

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this research for quite some time my
 

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this research for quite some time my
co-founders<00:05:45.419><c> found</c><00:05:45.870><c> at</c><00:05:45.990><c> Stanford</c><00:05:46.349><c> Bitcoin</c>

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co-founders found at Stanford Bitcoin
 

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co-founders found at Stanford Bitcoin
group<00:05:46.950><c> we</c><00:05:47.099><c> studied</c><00:05:47.370><c> computer</c><00:05:47.700><c> science</c><00:05:47.729><c> at</c>

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group we studied computer science at
 

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group we studied computer science at
Stanford<00:05:48.210><c> and</c><00:05:48.599><c> we</c><00:05:48.690><c> are</c><00:05:48.780><c> really</c><00:05:49.289><c> really</c><00:05:49.979><c> big</c><00:05:50.340><c> on</c>

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Stanford and we are really really big on
 

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Stanford and we are really really big on
protecting<00:05:51.479><c> user</c><00:05:51.690><c> data</c><00:05:52.130><c> maintaining</c><00:05:53.130><c> user</c>

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protecting user data maintaining user
 

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protecting user data maintaining user
privacy<00:05:54.030><c> making</c><00:05:54.840><c> that</c><00:05:54.960><c> data</c><00:05:55.139><c> reusable</c><00:05:56.099><c> and</c>

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privacy making that data reusable and
 

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privacy making that data reusable and
creating<00:05:56.940><c> a</c><00:05:57.000><c> future</c><00:05:57.240><c> where</c><00:05:57.510><c> your</c><00:05:57.599><c> data</c><00:05:57.810><c> is</c><00:05:58.080><c> not</c>

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creating a future where your data is not
 

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creating a future where your data is not
mined<00:05:59.099><c> and</c><00:05:59.340><c> salt</c><00:05:59.910><c> where</c><00:06:00.810><c> bloom</c><00:06:01.050><c> thank</c><00:06:01.620><c> you</c>

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mined and salt where bloom thank you
 

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mined and salt where bloom thank you
guys

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you