Banking hours still shape how money moves — even in a digital economy.

In this episode, I sit down with Didier Lavallée, CEO of Tetra Digital Group, to unpack why stablecoins are emerging as settlement infrastructure, not speculative assets.

We discuss:

• Why traditional payment and settlement rails stop at cut-off times

• How stablecoins enable value transfer beyond banking hours

• The role of regulated custody in institutional adoption

• Where banks, fintechs, and platforms are actually leaning in

• What this shift means for cross-border payments and enterprise finance

This conversation cuts through the hype and focuses on how stablecoins are quietly reshaping the plumbing of global finance.

In this special edition playback from the Tech Tuesday conference, host Joshua Seerattan explores the financial transformation redefining how capital moves — from cash to cards to programmable money.

This 20-minute keynote unpacks the intersection of open banking, digital assets, and stablecoins, and the global race to modernize financial rails. From trillion-dollar settlement volumes to policy paralysis, it’s a candid look at how Canada can either participate or spectate in the digital economy.

💡 Topics Covered:
• How open banking and blockchain represent diverging modernization paths
• The $7 trillion on-chain settlement milestone
• Why stablecoins are infrastructure, not speculation
• How U.S. and EU regulation are shaping the new rails of finance
• What Canada must do to remain competitive

📺 Watch the full Tech Tuesday replays on the Candid Capital YouTube Channel

The Institutional Era of Crypto: Tokenizing the World and a 3iQ Global Expansion Story

In this conversation, Pascal Saint-Jean, president and CEO of 3iQ, shares his journey into the world of Bitcoin and digital assets, discussing the evolution of 3iQ as a digital asset manager. He emphasizes the importance of regulatory frameworks in shaping the crypto landscape, the need for global perspectives on regulation, and the future of tokenization and financial inclusion. Pascal also offers valuable advice for aspiring entrepreneurs, highlighting the significance of enjoying the journey rather than focusing solely on the destination.

We unpack:

• The evolution of 3iQ’s mission—from ETFs to on-chain innovation

• Why institutional adoption is key to crypto's future
• Real-world tokenization use cases from Africa to the Middle East
• Canada’s missed opportunity and how 3iQ is pushing forward anyway

Whether you're a tech builder, policy watcher, or capital allocator—this episode is a masterclass in the convergence of macro, crypto, and capital markets

Takeaways

• Pascal's journey into Bitcoin was influenced by macroeconomic factors and technology.
• 3iQ aims to provide regulated access to digital assets for both institutional and retail investors.
• The regulatory landscape is crucial for the growth of the crypto market.
• Canada's regulatory challenges have impacted its position in the global crypto space.
• Tokenization has the potential to enhance financial inclusion globally.
• The integration of traditional finance with crypto is essential for innovation.
• Pascal believes in the importance of enjoying the entrepreneurial journey.
• The future of finance will involve on-chain solutions and global access to capital.
• Regulatory evolution is necessary to meet the demands of the crypto market.
• Collaboration between innovative startups and established financial institutions is key.

Chapters

00:00 Understanding Bitcoin: A Technologist's Perspective

09:58 3iQ's Mission: Advancing Digital Asset Management

18:12 The Future of Digital Assets: Innovation and Regulation

21:26 Canada's Lost Opportunity in Crypto Innovation

23:25 Global Expansion and Market Dynamics

24:24 The Future of Crypto in Canada

25:32 Comparative Analysis of Global Crypto Regulations

27:17 Integrating Innovation with Traditional Finance

28:40 The Role of Stablecoins in Financial Systems

30:09 Protectionism vs. Innovation

32:02 Global Trends in Crypto and Innovation

35:50 Tokenization and Real-World Assets

37:55 Global Financial Inclusion and Tokenization

39:22 Adoption and Regulation in Tokenization

41:16 The Future of Education and Employment

43:00 The Role of Crypto in Global Economy

45:04 Decentralization and Community-Driven Capital

47:21 Institutionalization of Crypto and Future Trends

50:04 Personal Growth and Learning

54:09 Advice to Younger Self and Conclusion

Find Info on 3iQ:

www.3iq.io

https://www.linkedin.com/company/3iq-corp/ 

https://www.linkedin.com/in/pstjean 

In this episode of the Candid Capital podcast, host Josh Seerattan speaks with Christian Pedrosa, founder of Digi.ai and winner of the 2025 Rio Web Summit Pitch Competition. They explore Digi.ai’s journey from a social impact coding project to an enterprise-grade AI agent platform operating across seven countries. Christian shares how Digi.ai helps large companies deploy voice-based conversational AI through WhatsApp, reshaping recruiting, customer service, and collections at scale. They also dive into fundraising realities, the evolution of work in the AI era, and tips for nailing pitch competitions. A must-listen for investors and founders at the frontier of automation.

In this episode of the Candid Capital Podcast, we sit down with José V. Fernández, CEO and founder of Bankuish and winner of the 4YFN pitch competition at Mobile World Congress. From building credit systems in West Africa to rethinking underwriting for Uber drivers and creators, José shares the origin and evolution of Bankuish — a fintech solution unlocking financial access for the modern workforce.

We explore why traditional credit bureaus fail to serve the growing gig economy, how alternative data can reshape risk models, and what it takes to build trust between banks, platforms, and independent workers.

🔑 Topics Covered Include:

In this episode of The Candid Capital Podcast, host Josh S. speaks with David Palmer, Chief Product Officer at Vodafone’s Pairpoint, about how blockchain is quietly becoming the next layer of digital infrastructure for enterprise.

They dive into how Pairpoint is leveraging blockchain to enable trusted identities, interoperability, and dynamic transactions between billions of IoT devices — all while integrating with telecom, AI, and enterprise systems.

Topics covered include:

• The origins and business case behind Pairpoint

• Real enterprise blockchain use cases beyond DeFi

• AI + IoT + blockchain: the convergence of intelligent systems

• Data ownership, tokenization, and interoperability

• Why emerging markets may lead adoption

• Visionaries, infrastructure, and the invisible success of blockchain

A future-forward conversation for tech leaders, enterprise strategists, and anyone exploring how Web3 is shaping real-world systems.

🔗 Learn more and connect with David Palmer:

In this Market Updates Playback, Josh is joined by veteran investor Matt Roberts for a candid conversation on what lies ahead for Canada’s innovation economy. From rising cross-border friction for Canadian founders to the Middle East’s trillion-dollar push into AI infrastructure, Matt shares deep insights from his global vantage point. They dive into Canada’s structural venture capital issues, the exodus of top talent, and what a post-tariff era could mean for Canadian tech. A must-listen for founders, investors, and policy-watchers navigating this new economic cycle.

In this episode of the Canada Capital Podcast, host Josh S. engages with Bruce Cleveland, a seasoned entrepreneur and author, to discuss the intricacies of market engineering and fundraising. Bruce shares his extensive background in technology and venture capital, detailing his journey from Oracle to founding his own investment firm. He introduces the Traction Gap Framework, emphasizing the importance of market product fit over product market fit, and the necessity of engineering a market before launching a product. The conversation delves into the challenges of category creation, the current fundraising landscape, and offers valuable advice for founders navigating today's competitive environment.

Chapters

00:00 Introduction to Market Engineering and Fundraising

02:10 Bruce Cleveland's Origin Story

09:34 The Traction Gap Framework Explained

15:23 Market Product Fit vs. Product Market Fit

19:42 The Importance of Market Engineering

27:54 Category Creation and Its Challenges

39:22 Navigating the Current Fundraising Landscape

51:40 Advice for Founders in Today's Market

Summary:

In this episode of the Candid Capital podcast, host Josh interviews Laura Walsh, an angel investor and Techstars mentor, discussing her journey into entrepreneurship, the evolution of blockchain technology, and the role of the Techstars Web3 Accelerator. Laura shares her experiences in Japan and Thailand, her insights on the potential of blockchain in transforming financial systems, and the importance of decentralized finance in developing regions. The conversation also touches on the challenges and opportunities within the Web3 space, particularly in relation to regulatory frameworks and the future of digital assets. In this conversation, Josh Seerattan discusses the intricacies of accelerator programs, the evaluation of startup ideas, the evolving landscape of the metaverse, the significance of in-person networking, and the metrics for investing in Web3 companies. He emphasizes the importance of genuine mentorship, the need for innovative solutions in the tech space, and the future potential of gaming and the metaverse. In this conversation, Josh Seerattan discusses the importance of real metrics in the Web3 space, emphasizing the need for genuine user engagement over superficial follower counts. He highlights the value of cultivating super fans for organic growth and addresses the scaling challenges faced by Web3 startups, particularly regarding user experience and security. Josh also shares insights on common challenges in Web3 companies, the necessity of marketing, and offers advice for aspiring entrepreneurs about taking risks and maintaining a support network.

Chapters:

00:00 Introduction to Candid Capital Podcast

01:20 Laura Walsh's Entrepreneurial Journey

29:11 Techstars Web3 Accelerator Overview

33:53 Understanding Accelerator Programs

39:31 Evaluating Startup Ideas and Mentorship

43:24 The Future of the Metaverse

46:14 The Importance of In-Person Networking

52:14 Investing in Web3 Companies

01:01:08 Key Metrics for Web3 Investments

01:07:42 The Importance of Real Metrics in Web3

01:11:09 Cultivating Super Fans for Organic Growth

01:13:32 Scaling Challenges in Web3 Startups

01:20:50 Common Challenges Faced by Web3 Companies

01:24:38 Advice for Aspiring Entrepreneurs

01:35:32 Reflections on Personal Growth and Balance