Daniel Gouldman - CEO of Ternio

In this episode, CEO Daniel Gouldman joins me to talk about everything they are doing at Ternio. From a more scalable blockchain protocol, to an easier way to spend your crypto called BlockCard.

Transcription

Brandon Zemp  0:00  
What's up guys? It is Wednesday, November 13. This week on the podcast I have Daniel Goldman. Daniel is the CEO of Terranea, where they're working on creating a more scalable blockchain protocol. And an easier way for you to spend your crypto called block card. This is a really great episode that I think you guys are really going to enjoy. And if you haven't already, be sure to subscribe and share this episode with somebody that you think would like to learn more about blockchain or block card or turn you enjoy.

This is the block hash podcast.

How you doing Daniel?

Daniel Gouldman  0:39  
Doing great, thanks. 

Brandon Zemp  0:41  
So for the audience and the people that may or may not be familiar with you and what you do. Tell me a little bit about your background and your backstory. 

Daniel Gouldman  0:50  
Yeah, so for me personally, so I'm the CEO and founder of a company called Tonio enterprise blockchains company based out of Alpharetta, which is sort of this little FinTech hub.

Right just north of Atlanta once it le bid pace here, but really Microsoft regional offices here pretty have a lot of major companies are based out of not only Atlanta, but Alpharetta. It's a it's a FinTech hub with over 800 technology companies. And it just so happened by chance that we happened to be based here and we specialize in a FinTech platform even though we're a you know, broad scale, blockchain company and all and all elements thereof. But we built a platform called block card that is both allows for consumers use crypto currencies and spend that cryptocurrency anywhere they you know, this is accepted in the US or block part, but also, it's a platform that connects to other companies. They can white label our technology, and have you know, there's a whole host of different FinTech features that they'll be able to tie into

Brandon Zemp  1:53  
other crypto companies and corporations in Atlanta as well. Are you guys like one of the only ones

Daniel Gouldman  1:59  
there A lot going on in Atlanta, we're really proud of this. So it's a lot of people don't realize this, but because Atlanta is a payments town, like payment processors, payments, just you know, over 60% of global transactions when it comes to payments run through Atlanta, most people don't build that. And so what's happened is, you know, it's an educated workforce, a lot of Fortune 500 companies. And because there's a FinTech sort of, you know, bent to the to the marketplace there, who are we're city, there is a natural tendency to have blockchain development here. So in you know, box is based here, they're they're owned by the Intercontinental exchange that they also own the New York Stock Exchange. So they're based out of Atlanta. Bid pays in Atlanta. Storage is in Atlanta. Obviously, we're in Atlanta, which we're very proud of. There is a lot of great stuff happening in Atlanta when it comes watching.

Brandon Zemp  2:58  
Yeah, that's awesome. I didn't know that. So is They're like a sandbox there, or is it? Like, are there grants or something or like what's incentivizing these crypto businesses that pop up?

Daniel Gouldman  3:07  
And I know that in mentioned like there's a whole host of like ATM Bitcoin ATMs right here. I don't you know, it's a conservative town when it comes to investment, you get a lot more sort of investment for, for seed kind of companies or pre seed kind of thing as you would in Silicon Valley, a lot more more sort of, they see the vision and they'll invest in the vision. Here, it's kind of like will invest in the company will help to build up the ecosystem. When you've made it a little further. There are incubators there is Georgia Tech is great there. You know, that's a number two tech university in the United States. So there's a great ecosystem there. But the whole you know, the several VCs, but I would say that the number one thing that drives it is the sort of the front when it comes blockchain is, is probably the, the correlation to FinTech that exists here and the ecosystem of, you know, great universities from Emory, Georgia Tech, you know, Georgia state's not bad, obviously, all the HSBC that are here. So it, there's a lot going on here. And I wouldn't say it's built, you know, it's because of, you know, profound or, you know, great investment, you know, kind of capital, but it's definitely happening.

Brandon Zemp  4:32  
Yeah, that's awesome. That's great to hear that that's happening in Atlanta. Like I usually hear about that stuff happening in certain areas of Arizona or Vegas or Silicon Valley, or the Bay Area. You don't usually hear it cropping up in Atlanta, so that's very cool.

Daniel Gouldman  4:46  
Yeah, yeah, it's it's it. There's exciting stuff happening for anybody who, who is interested in blockchain. They definitely need to come down to Atlanta.

Brandon Zemp  4:53  
Absolutely. So I went to the the Litecoin summit in Vegas. talked with you a little bit spent some time They're during blockchain week and got to know what you guys do at Tonio and block card pretty well for the audience and the people that will be listening. What What is Tonio and block card? Exactly? And how do they kind of work together?

Daniel Gouldman  5:13  
Tony has the company, right? It's funny as the inner we do enterprise blockchain, what we found. It's funny when we started, we started off as using the data layer, for lack of a better term. And I think a block chain, I think it is you have a data layer and you have a panel there. And so we were focused heavily on building a scalable blockchain, which we have called lexicon. And we were focused on using that for track and trace within specifically starting point the digital advertising ecosystem, but more broadly kind of applies in every enterprise, any industry, anything that has an updated supply chain or a supply chain. What we found though, is because there's sort of that that payment layer where you have a digital asset that allows for frictionless transfer value, is what it does, in a way that the banking system and FinTech providers don't allow. We found a lot. We had one page in our blog and our white paper around the block card, one page. And we knew that it was something that kind of on its own could be its own business. But we were kind of doing both on a dual track, we started to get a lot of not only excitement from a consumer perspective, because, frankly, exchanges are kind of, you know, taking people, you know, they're they're expensive. And there's we're solving a problem that consumers were interested in that we were also setting a problem that everyone else in the ecosystem that was an exchange or was a cryptocurrency. There's a whole host of different kind of use cases. But a lot of people would hit us up regularly and say, How can I How can I have a block card, but I want to white label it. So what we've done is we have this FinTech platform, block our platform, and we are white label with some really big names. One of them that's welcome. Is is Litecoin be signed another deal with another company that's even bigger than Litecoin. I haven't we haven't shared that yet. But there was a significant number of companies at this point who have, we've signed contracts with the white label our technology and all we're really doing is that the FinTech platform, sort of runs parallel to the existing banking FinTech rails, inner inner operates seamlessly. So it moves in and out pretty easily in terms of, there's sort of a convergence from the cryptocurrency world and channel fi FinTech world. And we're kind of making those two things just totally interconnected. So what that does is it gives you a lot of options as a consumer. You can choose to do what you want with your own money, how you want to do it. It doesn't eliminate responsibility for KYC or, you know, regulations that exists within The, you know, government of the United States or whatever country we're doing business and, but what it does do is make it much more convenient. And certainly we hope it makes it much cheaper for the consumer.

Brandon Zemp  8:09  
Yeah, it definitely makes it a lot more convenient is did you guys have to go through certain compliance hurdles to get this set up?

Daniel Gouldman  8:17  
There's a lot, just a imagine, you know, and and there's so many potential trip wires, it's getting, getting these comfortable with what we're doing with with block ARB took a long time. You know, there's only like four parts in the country right now that are doing this where you have a sort of a crypto card for lack of better term, and the way that we built out the, the way that we've built out the platform, it's smart, you know, and so the compliance piece is super important with the bank's last piece of support with visa. And then there's a whole bunch of technical challenges just integrating into The traditional payment systems, and then you've got to deal with things like, make sure that you know, you're you're following all of the rules with fence and and the SEC, you know, there's a lot but we you know, we're registered defense and we're registered with the SEC. Unlike some of the companies, we didn't run away from the United States, we were based out of Delaware. Now I was born in Texas, I'm a proud American. And I was born here, I'm dying here. And we're going to follow the rules. And I've always told people regulations are bad, just make sure we want we want to have rules that people can easily understand. They're not always easy to understand. And as long as you have that, at least when you're running a business, you know what, what sort of the boundaries are you need to stay with it. And that's that's essentially what we've tried to do is to make sure that we're just making it easier for the consumer, and we're making the government happy. And then we have a basically built a business in a space that frankly, a lot of people aren't comfortable in. And that means there's a lot opportunity for us, because while everybody else is trying to figure it all out through this kind of fog of war moment. It's it's left us with an opportunity that in a way that maybe, you know, we wouldn't have had had it maybe in a different time two years from now.

Brandon Zemp  10:08  
Yeah, it's very interesting. Like I haven't noticed like a whole lot of crypto, like credit cards, debit cards that you can use that are like on the market. Like I have a bit pay card and I use that sometimes it's not very convenient to use. So I was pretty excited when I saw your guys's ERX it looked like it had like a chip reader on it. The UI seemed pretty, pretty straightforward. And you're talking about how you use the the attorney Oh token to to hold the balance when you transfer crypto over to it correct?

Daniel Gouldman  10:43  
Correct. And I want to say kudos to bit pay for being like the first one to kind of be there, but like they read the original game. know the history. You know, they they do a couple of different things. They do a lot of payment processing and then they of course, are but most of their money is in the payment processing side and they will We're the first one to kind of create version 1.0. We're very proud of kind of, you know, I don't want to say anything in a way that would be necessarily unnecessarily combative. But I like to believe that we we've out innovated what's in the marketplace. And so we're like you said, your experience with the pay, we've really worked hard to ensure that it's a seamless process. So like, for example, the vision is, I can literally set up an account, as simple as setting up an email account, that's important. Grandma has to go to do it. I can deposit my phone's choir and I have to wait for a CH Swift. I can deposit it with its fastest blockchain happen. So it could be two seconds, or can be 30 minutes. It just depends on what positive and then I do my KYC, which is automated, I'll take pictures of myself like you would with Coinbase or somebody else like that. And then instantly, I literally I already have access to my phones, and I have access to a mechanism to use those phones. Be a Visa card within my phone that, although at present, it's not connected. But what will be we've been working on and it's taken way too long is you'll basically have access to Google pay Apple Pay Samsung Pay. So with your phone, you'll be making payments in stores, even if you just basically signed up for block card. So in five minutes, you could literally have not had an account, in an account funded it and then paid with set paid for something with Apple Pay in a store or bought something on Amazon. I mean, that's kind of the division. And it's going to give customers a lot of flexibility in a way that I don't think they would have had before.

Brandon Zemp  12:40  
Yeah, tons of flexibility. So like what kind of career which crypto is can you use to fund your block card.

Daniel Gouldman  12:48  
So we've got 12 today, so we've got Bitcoin Litecoin bch theory we're actually going to be layering in now with

ripple. So we're gonna have XRP

our token stellar. We've got several stable tokens, USDTUSDC. Pat's different one. So we know we've got 12 tokens, there'll be 13 in here in a minute. And, you know, we could add in pretty much any theory and token, frankly, in like five minutes. But, but it's really more about like, consumers and what they want. What we found is most most people from a convenience perspective. And let me step back. The reason we did that is what you don't want to have happen is you if you want an easy for consumer, all they have to do is deposit onto the card using a wallet that is specific to that token, as opposed to having to go and trade it on an exchange. And then, you know, take that new token that they didn't have before. It just be a total pain in the ass within the UI. We just accept that and we're going to be adding in some really cool functionality. We're going to be adding in checking accounts. You can buy and sell cryptocurrencies through those checking accounts, you can see HN money, we're gonna be able to accept, we're working on presently able to accept credit cards and debit cards, we've, there's some stuff we have to go through for due diligence for that. But we're pretty excited about that capability. So there's all these different, we want to make it as easy for you to get in and out of it as you want. Because it's not necessarily obviously there's a certain percentage of people who want to buy cryptocurrency from an from an investment, we get that. But what block card is, is it's really a payment tool. So we're not really focusing on the investment element as much as it is just the convenience if I want to send money across borders, and you know, let's say we've got a block card in Mexico, that's coming. And then let's say I want to remit money to you know, I believe in Mexico City. Well, I could literally buy cryptocurrency, digitally with my card or a CHM. And then as soon as that's been approved, which could be next day, or instantly, then I could literally send the money. Those digital phones Lolita to her block bar in Mexico City, she doesn't have to worry about going to Western Union to pick it up. It's just going to completely disintermediate the existing companies that are in there in that existing industry of you know, of remittance and and that's a big industry. And that's just one example that's cross border. So we want to make it as simple and easy for people to basically interact with their, with their money the way that they they feel.

Brandon Zemp  15:28  
Yeah, remittances a huge industry. And that's a really interesting way to go about it for sure. So I know that you can't set up a block card in every country. Yeah, but you can take it to other countries, right, as long as every word that accept visa, correct.

Daniel Gouldman  15:42  
That's right. So today, a US resident can use it anywhere in the world, not North Korea, although that would be a funny play. Hey, I'm in North Korea right now, and I can't use my card. But, but it works globally. For an American resident. We're presently in the process of expanding 31 countries in Europe, as well as other countries like Australia, New Zealand, Canada, Mexico, there's there's a whole host of Malaysia, just a bunch of countries that we've got in RQ. We're trying, we're layering in. And what that means is anybody who's a legal resident, those countries, and now remit money back and forth, or they can also use the block card for payment perk, you know, purposes, they've got crypto and they want to spend it, or they want to keep their money in digital, and a layer in stable token capabilities. You know, we're running as fast as we can. And we only have certain amount of resources, but you're doing a lot of things really fast.

Brandon Zemp  16:42  
Yeah, it sounds like you guys really are. So would you just need to have the the app to send money back and forth kind of like what the cash shop does.

Daniel Gouldman  16:50  
That's right. And so right now, it's even just today, it's just a web based app that's going to be building in a physical app that will play into your phone and will give us easier What's the ability to interact with your contacts? It'll create a much more sort of viral social connection with your your friends and family, you know, as it makes sense for you as a consumer, but but that's essentially what it's going to be thing with cash app, which, you know, it's been great is it's kind of like, you can't walk into McDonald's and pay with the cash app. So, you know, we want to give, we want to, we want to take the VIN mo cash app model, and we want to build on that and to take it instead of just having 7 million people have downloaded, you know, our app. We're looking for real actual users, people who want to treat it more like a banking like a bank account, because they literally will have the ability to have an FDIC insured bank.

Brandon Zemp  17:49  
Very cool. Yeah, it's a lot along the lines of banking the unbanked,

Daniel Gouldman  17:53  
yeah, unbanked crypto banks. Not you know, I mean, it I know I used to say bank that made me think about will makes me think about two things. One is a great project to Celsius. Love them. And then and then there's Libra with Facebook where they're, you know, they're really only the reason they're creating leverage because they're just so they're so concerned about helping the unbanked they're so generous and, you know, magnanimous I don't view block hard as being like solution world, or that's not what it is. But what is what it does do is it can be used as a wallet for you for free. So I don't care what you make if you only make $1. And like literally the average age in India is $7 a month. It's ridiculous. That's median wage. If somebody in India wanted to use block card as a wallet for free, I'd be all for that. You know, we're all about that. India's God's got some challenges with with with crypto, but to the extent to which we can give people more control their money. That's really the focus. It's not it's not trying to sell some bullshit idea around, let's create some vision of we're trying to do, but in the old and never he's got rainbows that's like, that's like trading the bullshit corporate mission. I'll be honest view about what we really do. And it really comes down to giving consumers choices, giving people the ability to control their money in a way that they've never been able to. In literally in history. It's something I'm really proud of. And it's something I think when people interact with it with walk hard. I think it's something that they're totally going to get a love.

Brandon Zemp  19:31  
Yeah, that's I totally agree. That's awesome. You get us are giving people options and a lot of ways to choose how they can send and receive payments and for some people that might be life changing and others and might be just a great tool.

Daniel Gouldman  19:45  
That's I agree with that. I think that's the right way to look at it.

Brandon Zemp  19:48  
Yeah. And I think from from that perspective, I think you guys are doing an amazing job with it with the block card, what are like, what are the limits on what you can spend currently.

Daniel Gouldman  19:59  
So with that, you know, your You're always dealing with the limitations of within the banking sector. And so one of the challenges is sometimes, sometimes the reason that limitations what you can spend is because of the regulations that come from within, you know, any particular regulatory environment. So like, for example, in states, there's certain laws that require you to report certain level of transaction. So the way that banks ensure that they don't, not because they don't want to be compliant with it, because they don't want to make a mistake. So in order to ensure you don't make that mistake, you you don't offer that limit. You literally ensure that you don't have to put yourself in a situation where you can violate the law. So you just limit the options for your consumers. And so right now, we've got $3,000 is a daily limit for the card. I think it for the ATM, it's like $990 or something like that, technically, and we could probably, you know, at some point, maybe phase two, you know, for certain kinds of customers or on how we want to structure the program, we could do as much as 10,000. But there, once again, you're running yourself a risk of now would their reporting procedures in place where there's certain transaction models, and it's a more burdensome, costly, it's a manual process. And they don't joke around. So the safe bet is, you know, 3000. And then the question mark comes, okay, so what if I've got some enterprise customers? What do I want to do there? How do we want to approach large companies doing at Mass volume? And how do we structure a program for companies that might do $50,000 a day as using as no block card as a payments platform today, we've been focusing on consumers. It's not to say that in the future, that we won't have the capability to kind of increase that capability, but 3000 is where we presently are.

Brandon Zemp  21:55  
Right? I think for the average consumer 3000 is more than enough. But I mean, it gets interesting. When you think about, like an enterprise customer that you might have in the future who needs to go out and buy equipment or might need to buy a company car, or some some big purchase that a larger company would generally make? They might want to do it with crypto and they might want to use block card. So yeah, that is kind of like an interesting dilemma for sure. But I'm sure there's ways for them to like opt in for that.

Daniel Gouldman  22:22  
Yeah, if we did it, we would do it right. You know, and at that point, say, Okay, well, how big is that marketplace? What customers do we have? How much is it gonna cost us to be compliant to ensure that we don't screw that up? Because you don't want to play around and you make the conscious decision, but all the resources that you need to and you execute? And that's what we would do? Let me get to that point.

Brandon Zemp  22:41  
Right. That makes sense. So when when you put crypto on the card or you send crypto to the wallet, yeah. Do you convert that to turn? Yeah. Or does that automatically convert to turn? Yeah.

Daniel Gouldman  22:52  
So everything converts on the block hard, directly into turn because there's a couple of reasons. for that. We need a we need a One currency where everything kind of is if the positive Litecoin and the theorem and Bitcoin, we want to make it so that, you know, it's like one currency, it's otherwise you're saying which one do I pick, but put a little bit of Bitcoin in, and then I do Litecoin it just gets a little weird. So it's like everything is in. And it's also turn is because it's it's an excellent base token. It's designed for payments. And so because of that, we actually can facilitate transfers, cross border into border, right next and being around right next to you because I'm splitting the bill with you at the table. I can do that. Instantly, at no cost. There's it's basically a thousandth of the penny for a transfer. And so all transactions we don't charge any transaction fees, because we don't have mining and that's one of the old school, you know, kind of axioms or things you'd hear people say regularly is that you'll never pay for it will never pay for you know Coffee with Bitcoin, because it's just too expensive with the mind. So we've completely eliminated that it's a one time deposit. And then I'll basically everything is there's no no transaction fees, no worries about additional costs. You know, we charge $5 a month for the block card, but it just tried to minimize all the fees as much as we could. We felt that was an important way to do it, not to mention that it's supported, supported turn, you know, on day one, turn with turn what

Brandon Zemp  24:26  
gives it its value necessarily. I know that it's supposed to be pretty close to the dollar. But I remember when we talked about it, you said that it's definitely not a stable coin, what kind of like stabilizes turn so that like a customer doesn't necessarily worry about all sudden having $10 one day and $5 next?

Daniel Gouldman  24:46  
Yeah, for sure. And so, you know, when we were saying that's a great question, when you look at like let's say, I'm not going to try to bash XLM or anything right now, but what we found was excellent. Doing massive airdrops okay. And it was and you probably heard the news yesterday, where they're there, they, you know, solid 25% gain on the news because they just decided to turn 50 billion tokens or something, right. And they still have a tremendous number of tokens, by the way, they're just insane amount of tokens. And, and so it's like they kept doing these air drops, and the price kept dropping and dropping, dropping. And so what would happen is, turn being an excellent base token was effectively dropping with it. And so even though we had seen our price continued to kind of fight up uphill or upstream against that excellent drop, it was very difficult. And so that the reason that it keeps values because it's based upon when people are depositing, they're actually converting it turn, that turn, becomes a store of value. So then it becomes a matter of supply and demand, supply, supply being deposits in demand being spending behavior. So that's kind of that that's really what affects the Up and down, we actually have been very stable as a price. Not we're not a stable token, but for the most part fluctuated in a fairly reasonable range. And we've tried to maintain that value to hold that value in a way that made sense for consumers. And I think when people use block hard, that's going to be the standard. If I'm putting in $100, am I getting, you know, $100 back, that's the key. And so we've designed block card in a way that was it was intentionally trying to protect consumers. And so one of the things we did recently was we completely decoupled from the excellent price so that no matter what happens to XLM, it really has zero impact on price of turn within the block card app itself.

Brandon Zemp  26:45  
Interesting. You is it coupled to anything else or does it like have like a basket of something that kind of backs up its value?

Daniel Gouldman  26:54  
Yeah, so it's not a stable token. But we do we created a thing that's hard to I won't get into in depth on A little bit of like, it's like, too wonky, but like inside baseball, but basically we created a pug. Okay, so we created a peg that kind of had an internal marketplace that next block card users. So deposits and spending behavior was basically would impact the value of the term that they were spending, or whatever the price will deposit into. And so, so far, we launched that maybe a month or so ago, that has been been very good. And we have not had any complaints. People seem to be liking the system, it allows for free flow of consumers to use it in a way that is seamless. And so that that has been working for us. And the way we describe it is kind of against a peg.

Brandon Zemp  27:47  
Okay, got it. And that makes more sense. Yeah, I was kind of curious because I know that you were kind of against the idea of a stable coins. It doesn't make sense and I kind of agree with you, and it's I was kind of confused on what was behind turn and kinda like helping stabilize it and give it its value. But no, that makes a lot more sense.

Daniel Gouldman  28:07  
crypto is a complicated beast with a lot of different variations. It's not that we're I'm very supportive of stable tokenizing stable to the future. But when it came to the block hard if you're converting from the way I think about it, is it you're converting from an asset that has risk for the most part, right, which people would positing Litecoin Bitcoin, they are already used to the risk. So what they're doing is they're transferring that set of risk to a new set of risk. But But so far, like I said, everything has been working really well. And turn has sort of done a good job of being a not a stable value, but but a good score of value as it relates to payments. It's not an investment vehicle. It's not intended investment vehicle. You're spending capability.

Brandon Zemp  28:56  
I think the only issue I have with stable coins is a lot of them are pegged to the dollar and the last thing I want is to be pegged to the dollar. I might as well just go by dollars. I think the future is when it's backed by a more stable hard asset or something that has good long term value. So I think stable coins have some evolving to do.

Daniel Gouldman  29:16  
Well, what's good is that people have options right now. So let's say that you felt that way. Were like so we have these white label block cards, and even if it wasn't related to block card, what I love about crypto is there's so much innovation happening. They're stable tokens. They have a use case, there's gold backed, and you've probably seen like, you know, Pax has one stage one there's there's different gold back asset ones. You know, there's there's smart tokens like a b&b m&s, it's not smart token, but it's being be as a very well on well managed model for people who bought the MB have done really well. Bitcoin is obviously on a deflationary algorithm. So there's a lot of different options for consumers. And as long as people are have that choice, hopefully, it's not. It's not hopefully, it's not a situation where people are being tricked into something that is, you know, like the Old Vic connect or something like that some bullshit, you know, token that's a scam. Right, right. Because that that kind of existed in the past and it still exists but hopefully less today. But getting consumers options is always kind of my default, because then people look at the lay of the land and if they prefer that gold back token well, right. As long as it's really gold backed, by the way,

Brandon Zemp  30:36  
the market will kind of sort that self out all that stuff out over time. Like I'm not too worried about that. But there's definitely a lot of options out there, which is a good thing in retrospect.

Daniel Gouldman  30:46  
Yes, what you said is exactly right. I'm a market sky. Right. So it's market based. consumers will dictate what makes sense what doesn't and I suspect probably is it is a you know, they'll be all this group. Think within the market where people will sort of figure out the things that make the most sense to them. It'll probably be a handful.

Brandon Zemp  31:05  
Daniel, before we wrap up and everything, is there anything that you guys got going on with block card or turn yo or turn, that you want people to be aware of any important dates, any important, like updates to kind of open it up for you?

Daniel Gouldman  31:21  
Man, we've got so much stuff like building. I mean, I can tell you, our dev, our dev calendar is crazy, but between several white label deals that are going live, and that aren't QS for the block card itself. We've got things like checking accounts, FDIC insured, checking accounts, that will give you the ability to spend on the card, be able to buy or sell cryptocurrencies as an off ramp, different Coinbase we're super excited about that. actually having a native app that will be on your phone. We're excited about that expanding into Europe with 31 countries. When Getting into some of the other markets like Canada, Mexico, New Zealand, Australia. I mean we do we do not stop there are so many different like things that right now that we've got an RQ that are going to be great capability as I said before purchasing cryptocurrency with MasterCard visa, you are using a technically that's not accurate using a debit or credit card that will allow you to buy crypto, that that's probably the way to say it. So there there's a whole bunch of stuff that RQ that is coming live and next two months.

Brandon Zemp  32:35  
Very cool. Where's a good place for people to follow what you guys are doing? Are you guys more active on Twitter or social media? Or do you guys have a blog on your website?

Daniel Gouldman  32:45  
Yeah, so I mean, so there's, of course our website getblockcard.com. I'd say go there and sign up. It's free to sign up for a wallet and you could actually walk hard, said love that. Then you've got you know, I am very active on LinkedIn. So I love to talk about blockchains assists in thought leadership. Ian is very active on on Twitter. So if you're in Twitter and your guy or the turnout, you know, the neocon handle for Twitter, and then I'm on LinkedIn all the time. Those are probably the two. And really, if you really want to what, one of the things that makes us unique, is it freaks people out, because I'm actually really active. Ian and I are active in our telegram. Be careful as scammers as a lot of people trying to impersonate us, FYI, but we're actually in telegram. We're constantly talking to your customer. You know, people are, like, shocked when I'll email them because they'll, I'm on every email for feedback. We do a feedback survey for every customer. And I get a response from the customer directly. So I'll respond. I'm like, Hey, thanks for the feedback. And they're like, is this really Daniel? I'm like, yeah, it's me. So. So you know, we try to be really because we try to keep our nose to the ground like, Brian stone. We really want Want to understand our feedback from consumers? were small enough where we still can do that. And it's so important getting that feedback from customers. I love it when people compliment us. And I appreciate it when people say, Well, you guys suck, you know, or something. I try to understand. Why is that? And what can we do better next time?

Brandon Zemp  34:18  
Yeah, I'm excited to get my block card. I'm going to order it pretty soon. And then I'll definitely send you some feedback. But yeah, I'm excited to try it out.

Daniel Gouldman  34:26  
Thank you. I would love I would love that.

Brandon Zemp  34:29  
Yeah, absolutely. Daniel, thanks for coming on, and taking the time and everything, really appreciate it. And I know there's gonna be a lot of people out there that are really interested in block card probably and that are going to want to use it and find it useful as a tool. So again, thank you for coming on and sharing and taking the time.

Daniel Gouldman  34:47  
No, thanks for having me. And this is a lot of fun.

Brandon Zemp  34:49  
Awesome. All right. I'll talk to you later. 

Daniel Gouldman  34:52  
Okay.