My guest today is Josip Rupena, the Founder and CEO of Milo. Milo is a financial technology company reimagining the way globally and crypto consumers access financial solutions to 'Unlock what's possible.' By building a proprietary technology stack from the ground up and bringing on a world-class team, the company has enabled millions of dollars in US home loans. Milo is passionate about driving the digital transformation of financial services, solving real problems, and making a meaningful impact in people's lives. Milo's investors include QED Investors, Metaprop, and 10X Capital. Milo is the world's first crypto mortgage offering that makes it easy for crypto investors to utilize their digital assets to purchase US real estate. The digital banking leader will now expand its offerings to serve the rapidly growing crypto segment. Milo's clients will be able to pledge their Bitcoin to purchase property and finally qualify for a low-interest rate 30-year crypto mortgage. This solution will allow clients to continue to own their bitcoin and diversify into real estate, all while keeping the potential price appreciation of both. Clients will be able to finance 100% of their purchase with no dollar down payments required and do this faster than a conventional mortgage. By combining the security of real estate with the liquidity of digital assets, Milo is able to bridge both the crypto and real world. Prior to founding Milo, Josip was a Financial Advisor at Morgan Stanley working with international clients and financial institutions. Josip also worked at an investment firm with $1 billion in assets under management as a Portfolio Manager and Head Trader. He began his career at Goldman Sachs covering institutional private clients with over $3.5 billion in assets. Josip graduated Cum Laude from the University of Miami and majored in Finance. The major topics in our conversation included how Milo is disrupting the mortgage and loan industry, why Bitcoin is the perfect collateral, how the loan industry works, real estate as a wealth-generating tool, and much more. We begin our conversation by discussing the impact the crypto wave will have throughout society including real estate. Our conversation transitions to discussing the real estate market and what is contributing to the rise in real estate prices. Josip explains the macro-tailwinds that are driving the real estate market. Our conversation shifts to discuss possible real estate opportunities. Josip breaks down various pockets of real estate where consumers can find good value. We touch on the current mass human migration and the possible reasons driving this exodus. Our next conversation topic centered around the future of the mortgage and home loan industry. Josip explains how the mortgage industry works and what areas could be disrupted with the advent of new technology. Josip goes on to explain how the government is subsidizing the real estate industry in America. Our conversation transitions to how Milo is innovating the real estate asset class by being able to underwrite risk more accurately. Josip explains how Milo’s Bitcoin-backed loan works. Please enjoy my discussion with Josip Rupena.

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