In this episode Zubair talks to Chris James Murphy of https://www.klinkfinance.com/ about their Cedefi crypto savings platform:  

00:00 Introduction to Klink Finance 

01:58 How does Klink Finance generate yield? Via Defi protocols and abitrage. Chris also explains how every 25 USDC gives a lottery ticket, just like premium bonds 

03:45 Zubair talks about Klink Finance being a USDC only business 

04:42 Chris describes how UK Premium Bonds work 

06:01 Chris's history and why he started Klink Finance to bring good financial habits to the masses 

07:54 Chris talks about how crypto companies were previously generating yields from investor capital  

09:15 Why does Klink Finance need centralised KYC to deposit USDC and passing the "mom" test 

11:02 How Klink Finance insures that customer funds are secure 

11:50 What is the status of Klink Finance (as of Nov, 2022) 

13:25 After the FTX crash what does Chris think of the future of the crypto industry? Chris talks about how should companies behave in a responsible way 

15:50 Where are Klink Finance based? They are a UK company, with a distributed team, and regulated in UK and Europe 

17:55 Will tightening crypto regulation in Europe and USA drive crypto companies away? 

20:00 Zubair discusses how European Crypto regulation MICA (which is being translated in 27 languages) could make it irrelavant once it gets released 

21:00 Closing