On episode 24 I talk with Carl-Alain Memnon of Grain. Grain is the Digital Credit Card for Everyone, they provide a line of credit based on your cash flow, not your credit score. That is one of the most interesting things about the company, they don’t use credit scores to extend credit. Grain uses your cash flow to understand your credit profile and extends a line of credit based on that. Carl and I dig deep into the current credit system, the state of financial wellness, where the conc...