Crypto lending markets have exploded over the last year. Among the players in an increasingly competitive marketplace is Celsius, which according to CEO Alex “The Machine” Mashinsky has received $450M from over 70,000 users in 174 countries and paid out over $9M in interest payments. Unlike many competitors, Celsius somewhat boldly raised $50M in ICO during the latter half of 2018 at a time when many were shying away.

Alex gives a colorful interview in which he provides an overview of the current crypto lending landscape, predicts that the most valuable blockchain platforms haven't been invented yet and that Bitcoin is heading for all-time highs in 2020. He also details that it is ultimately everyday people who will pick crypto winners by voting with their wallets amongst what he calls the "3 horses": decentralized protocols like Bitcoin and Ethereum, corporate chains like JP Morgan & Libra or the CBDCs proposed by Central Banks.

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