Tedd Huff: 00:00:01

Welcome to FinTech Confidential, bringing you the

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people, tech and companies that change how you pay and get paid.

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A CH is anywhere from one to three days.

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Wire is hours.

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Got RT, P and Fed now, still not sub-second

Graham Krizek: 00:00:19

we're, I mean, close to a billion dollars, like locked into this

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network for payments back and forth.

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You can transact with a stable point in that point.

Graham Krizek: 00:00:26

Three, eight seconds.

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Got both these car brands and saying, we're doing this,

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we're doing this, we're doing this.

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That in itself tells us we're at a tipping

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point.

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Really.

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Users we're totally fine getting your hands dirty, usually a few

Graham Krizek: 00:00:39

hours, and we can have everything up and running and well connected.

Tedd Huff: 00:00:42

Ram's got over a decade in this space and.

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Contributed to Bitcoin Core worked in engineering roles at Salesforce and solved

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the same issue that slowed everyone down

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a peer-to-peer network.

Graham Krizek: 00:00:53

Unlike a visa, unlike any other blockchain, the lightning network

Graham Krizek: 00:00:55

itself gonna be, uh, incredibly powerful moving forward.

Graham Krizek: 00:00:58

It's better to get on that train early than be on at Lake.

Graham Krizek: 00:01:00

So.

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You are building a FinTech product.

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You want to offer digital assets, but wallets, that's the hard part.

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Security, compliance, key orchestration, blockchain integration.

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That's why fintech's, payment platforms and custodians.

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Choose Dfns.

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They provide wallets as a service.

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wallets securely with Dfns sphere.

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Even major fis like Fidelity, AB and Amro, as well as custodians

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like Zoia and Tungsten trust Dfns to power their on chain infrastructure.

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From day one, if you're building in payments exchanges, OTC desks, market

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demo@fintechconfidential.com slash dfs.

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Dfns secure wallets built around.

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Welcome to an episode of Web3 with FTCA FinTech confidential series,

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and if you're asking how blockchain, crypto ai, or even quantum computing

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fits into your business strategy.

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If this show is built for you, we talk with the builders and decision

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makers who are doing the work.

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You'll hear smart conversations, straight insights, and no filler,

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whether you're a founder, an executive, or just trying to stay ahead.

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This is where real talk meets real tech.

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We keep it practical.

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We cover the shifts that matter, and you'll get the signal, not the noise.

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So let's get started today.

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We're bringing on someone who doesn't just build with Bitcoin.

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He builds for builders.

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Graham Kreek is the founder and CEO of Voltage, the largest lightning

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network infrastructure provider that is used by the leading fintechs

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to power fast, low cost payments.

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Graham's got over a decade in this space and he is contributed to Bitcoin

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Core, worked in engineering roles at Salesforce and solved the same

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issue that slowed everyone down.

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There was no easy way.

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To build.

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On Bitcoin.

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Graham, welcome to the show, my man.

Graham Krizek: 00:03:34

Yeah, thanks for having me on.

Graham Krizek: 00:03:35

Excited to be here.

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Here's why this episode matters.

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Graham doesn't just lead with hype, which you'll find out

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his work speaks for itself.

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He's been there since the early days contributing to Bitcoin's core code

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and building infrastructure that.

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Actually gets used.

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And during the pre-show, his take on stable coins just

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hit me a little different.

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Stable coins left Bitcoin and now they're coming back.

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Graham, before we dive into the core themes of today's show mm-hmm.

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I would love for you to give us your take on how you got here.

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You've been in the space for over a decade from the early days

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in Bitcoin now running voltage.

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Walk us through your FinTech background and what shaped your focus in this space?

Graham Krizek: 00:04:18

Being interested in Bitcoin in about 2012, and that was,

Graham Krizek: 00:04:21

I was really fascinated by it from the technology side, so what you could do

Graham Krizek: 00:04:25

from permissionless peer-to-peer payments anywhere in the world, open 24 7.

Graham Krizek: 00:04:30

All the things that was just fascinating to me from the technology

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itself and what was being unlocked and what it could actually uncover.

Graham Krizek: 00:04:36

For, for the world as p as as more and more people built on it, as more

Graham Krizek: 00:04:40

things were being, being made possible.

Graham Krizek: 00:04:42

So that's where, that's basically what just got me

Graham Krizek: 00:04:44

started and then it was a hobby.

Graham Krizek: 00:04:45

Ever since then, as I worked kind of day jobs doing other things, decided to, to

Graham Krizek: 00:04:49

start volti, increase adoption of Bitcoin and provide that as a service, which,

Graham Krizek: 00:04:53

you know, at the time when I started Voltage, there was basically nothing.

Graham Krizek: 00:04:55

It was, everyone was off to their own devices.

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Everyone had to figure out how to do everything themselves.

Graham Krizek: 00:04:59

And I thought we really need something different, um, to really

Graham Krizek: 00:05:02

grow Bitcoin into what we all wanted it to be and hoped it to be.

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You've watched this grow up from the days when it was this,

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like you mentioned that that little niche experiment where everybody was

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trying to figure out how to use it and how to leverage all that technology,

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and now I mean we see it powering enterprise grade infrastructure.

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What would you say is the the biggest change you've seen

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from when you got started?

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To now and would you consider it mainstream?

Graham Krizek: 00:05:26

It's definitely becoming more and more mainstream.

Graham Krizek: 00:05:28

There's more and more studies of showing people that at least own Bitcoin or

Graham Krizek: 00:05:31

cryptocurrencies in general that is just, is steadily growing over time.

Graham Krizek: 00:05:35

And so I think that that's super great to see it being just more

Graham Krizek: 00:05:38

recognized where the beginning when I started Volta Do is only Paris and

Graham Krizek: 00:05:42

drug dealers and all those things that we all have heard about before.

Graham Krizek: 00:05:45

Now you get less and less of that completely different realm today.

Graham Krizek: 00:05:48

And so I think that that's also a sentiment to quote

Graham Krizek: 00:05:50

Mainstreamness is really.

Graham Krizek: 00:05:52

Just figuring out like how people, the way that people understand it,

Graham Krizek: 00:05:55

just an everyday person on the street.

Graham Krizek: 00:05:56

I do think that it's, it's absolutely been interesting to see the shift

Graham Krizek: 00:06:00

in the sentiment around Bitcoin as we see in this, in the early phases

Graham Krizek: 00:06:02

where there's websites where you could just go to the website and get like.

Graham Krizek: 00:06:06

A hundred free Bitcoin.

Graham Krizek: 00:06:07

'cause it was just, it was a faucet websites where you could

Graham Krizek: 00:06:09

just click a button and get a bunch of Bitcoin sent to you.

Graham Krizek: 00:06:12

And it was just very much a, an experiment thing to play with where now we see

Graham Krizek: 00:06:16

people like BlackRock, like launching an ETF, um, that is all built on Bitcoin.

Graham Krizek: 00:06:21

And so the, for their entire portfolio, absolutely massive.

Graham Krizek: 00:06:24

And I think they're just increasingly drawing their Bitcoin exposure.

Graham Krizek: 00:06:27

So yeah.

Graham Krizek: 00:06:28

Absolutely

Tedd Huff: 00:06:28

everybody hears about Michael Sailor and, and what he's done over there.

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And then you have a handful of other folks who've just packing it in and using

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it as a, as an asset to, to leverage.

Tedd Huff: 00:06:42

But that isn't the only place that it gets done.

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And a lot of times we talk about BTC.

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The, the actual unit of measure or the osh as, as the measure.

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There's a lot of things that are built on top of that chain.

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You spent time with, with a, a darling of Silicon Valley,

Tedd Huff: 00:06:58

uh, at, at Salesforce, right?

Tedd Huff: 00:06:59

Mm-hmm.

Tedd Huff: 00:06:59

So everybody knows one of the companies that made Silicon Valley.

Tedd Huff: 00:07:02

Silicon Valley, right?

Tedd Huff: 00:07:03

Mm-hmm.

Tedd Huff: 00:07:03

Yeah.

Tedd Huff: 00:07:04

And what was it about Bitcoin that pulled you away from that

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traditional software path and.

Tedd Huff: 00:07:11

Made you decide like, I need to build on these rails for the next

Tedd Huff: 00:07:15

generation of finance and money.

Graham Krizek: 00:07:18

I guess there's two sides of that.

Graham Krizek: 00:07:19

One from like what I saw as the opportunity for Bitcoin in general

Graham Krizek: 00:07:23

and like the place that it can have in the world, really, adopters really saw

Graham Krizek: 00:07:27

the potential of the impact that it can have in the world, both from like.

Graham Krizek: 00:07:30

The efficiency of like, man, who wants to wait five days of like open bank hours.

Graham Krizek: 00:07:35

Like to, to be able to like, send payments like the, the, just kinda the

Graham Krizek: 00:07:39

archaic nature of, of the traditional financial system, what Bitcoin can

Graham Krizek: 00:07:44

do, what we saw, what I saw, the potential of it solving inside of that.

Graham Krizek: 00:07:48

And then also on like the individual kind of, um, opportunity side.

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People that are like globally have very hard times accessing traditional,

Graham Krizek: 00:07:55

the mix of those two things of what it, what it could do from.

Graham Krizek: 00:07:59

Enhancing the efficiencies of what we just see in the traditional

Graham Krizek: 00:08:01

financial system, as well as helping these individuals that have had,

Graham Krizek: 00:08:04

have had a hard time getting access into traditional financial products.

Graham Krizek: 00:08:08

Mixing those two things with like, man, it's either now or never.

Graham Krizek: 00:08:11

I'm either gonna start a business right now, I'm not gonna start it when I'm 80.

Graham Krizek: 00:08:14

So like, now's the time to go and do this.

Tedd Huff: 00:08:16

You mentioned something that, that comes up a lot of times when I'm

Tedd Huff: 00:08:19

talking to any of my friends in the digital asset space, that it, that it

Tedd Huff: 00:08:23

democratizes a lot of these things.

Tedd Huff: 00:08:25

It gives people access to things that it does mm-hmm.

Tedd Huff: 00:08:27

That they normally wouldn't have access to.

Tedd Huff: 00:08:29

Does this help people cross that digital divide easier?

Tedd Huff: 00:08:32

Mm-hmm.

Tedd Huff: 00:08:33

Or does it?

Tedd Huff: 00:08:35

Widen the chasm.

Graham Krizek: 00:08:36

We're working on things to accomplish more of that,

Graham Krizek: 00:08:37

like Starling, for example, where you can get like internet into places

Graham Krizek: 00:08:41

that just never before would like, uh, you can't run cable out into

Graham Krizek: 00:08:44

the middle of nowhere or whatever.

Graham Krizek: 00:08:46

And so I think that things like that are helping decrease the digital

Graham Krizek: 00:08:49

divide so it is more accessible.

Graham Krizek: 00:08:51

Um, so I think that that's gonna help a lot.

Graham Krizek: 00:08:53

And then I think even, you know, talking about, I think there's

Graham Krizek: 00:08:56

the difference in like the digital divide and then even then, if we

Graham Krizek: 00:08:58

solve that traditional finance, that doesn't instantly get you access to.

Graham Krizek: 00:09:02

Banking rails, and then you still have a big, big hurdle to jump over

Graham Krizek: 00:09:05

after that, where at least with like Bitcoin, if you can get over that

Graham Krizek: 00:09:09

digital divide, you have access.

Graham Krizek: 00:09:11

And I think that there's also, there's increasingly new and

Graham Krizek: 00:09:15

different ways of accessing Bitcoin.

Graham Krizek: 00:09:16

Like there's like kind of paper versions of like a, a paper wallet that is like,

Graham Krizek: 00:09:20

there's ways that it's helping bridge the gap and whether it's not a a hundred

Graham Krizek: 00:09:23

percent digitally native, um, ecosystem or, or community, especially as we see.

Graham Krizek: 00:09:29

More and more digital access happening across the world.

Tedd Huff: 00:09:31

One of the things that, that I think about is I got

Tedd Huff: 00:09:34

introduced into digital assets.

Tedd Huff: 00:09:37

Bitcoin was the very first one right around 2000, about 20 20 12, 20 13.

Tedd Huff: 00:09:44

It was like over the cus I think it was, I think it was actually over

Tedd Huff: 00:09:46

the, the Christmas holiday break when all the businesses slowed down.

Tedd Huff: 00:09:51

I, I heard about it, so I started doing a whole bunch of research, but back then

Tedd Huff: 00:09:54

it really felt like doing anything with, it was more of a, more of an art, an

Tedd Huff: 00:09:59

interpretation of things and less of a, a science and infrastructure type play.

Tedd Huff: 00:10:06

And back then it was just you were, you were in the terminal,

Tedd Huff: 00:10:10

you were going directly into the block and, and now we start to

Tedd Huff: 00:10:14

have more of more of a API native.

Tedd Huff: 00:10:17

Help me understand your thought process as you ran into the.

Tedd Huff: 00:10:21

The technical difficult roadblocks and how did that shape your vision for

Tedd Huff: 00:10:26

voltage and what are some of the gaps that you saw that maybe others missed?

Graham Krizek: 00:10:30

You're absolutely right that that was back then, that was very

Graham Krizek: 00:10:32

much how like the early users were totally fine with this really rough.

Graham Krizek: 00:10:36

Like getting your hands dirty.

Graham Krizek: 00:10:38

There's a limited sub subset of people that are gonna be interested in doing

Graham Krizek: 00:10:41

that, and so that was something that I saw as just hurdle after hurdle.

Graham Krizek: 00:10:45

You had to really want it.

Graham Krizek: 00:10:46

You had to really get your hands dirty to make that happen.

Graham Krizek: 00:10:49

I think that there would be so many more people using this technology and

Graham Krizek: 00:10:51

building on top of it if it was just easy.

Tedd Huff: 00:10:53

How did that guide you to

Graham Krizek: 00:10:56

building out Voltage?

Graham Krizek: 00:10:57

First and foremost was like Bitcoin core is like the software that most.

Graham Krizek: 00:11:01

People use to like interact, which

Tedd Huff: 00:11:02

you've contributed to.

Tedd Huff: 00:11:03

Yes.

Tedd Huff: 00:11:03

Yeah.

Tedd Huff: 00:11:03

So you've got some inside, inside insights, I guess you could say.

Graham Krizek: 00:11:08

Yeah, yeah, exactly.

Graham Krizek: 00:11:08

Like it was like, and that was one of the advantages that I had is I'd

Graham Krizek: 00:11:11

worked on kinda the system before.

Graham Krizek: 00:11:12

So if you wanted to start with that, you had to like build up from source.

Graham Krizek: 00:11:15

No one's gonna want to do that.

Graham Krizek: 00:11:17

And so the Lightning Network being the next step of like

Graham Krizek: 00:11:19

the scaling solution for.

Graham Krizek: 00:11:21

Bitcoin solve this thing so people can just get up and running faster.

Graham Krizek: 00:11:24

I mean, that was the thing is just time from zero to one needed to be

Graham Krizek: 00:11:28

like minutes, not like hours or days.

Tedd Huff: 00:11:30

You didn't just quit your job and start voltage like it was, it

Tedd Huff: 00:11:36

was a side project for a long time.

Tedd Huff: 00:11:38

Help me, like, take me back to that time when you're like,

Tedd Huff: 00:11:41

Hey, this thing has some legs.

Tedd Huff: 00:11:43

Mm-hmm.

Tedd Huff: 00:11:44

This, this is something that take us back to that moment when you're just like.

Tedd Huff: 00:11:49

Threw caution to the win and went full speed ahead.

Graham Krizek: 00:11:51

Yeah, I just like this project where I was

Graham Krizek: 00:11:53

like, Hey, I have this problem.

Graham Krizek: 00:11:54

I think other people might have this problem too.

Graham Krizek: 00:11:56

So like I started writing like, which from building this project to like

Graham Krizek: 00:11:59

writing code to build this other new product to help solve this other product.

Graham Krizek: 00:12:03

And so just was kind of playing around with that nights and weekends thing.

Graham Krizek: 00:12:06

And as I continued to build on it, I'm like, man, I think that this could

Graham Krizek: 00:12:09

be actually really, really impactful.

Graham Krizek: 00:12:11

And that's when I was like, okay, I'm either gonna.

Graham Krizek: 00:12:14

Turn this into a company and do this thing for real, or I need to like find

Graham Krizek: 00:12:17

something else to do because this is starting to get like kind of out of

Graham Krizek: 00:12:19

control with the amount of like all this, the sweat hours I was putting into it.

Graham Krizek: 00:12:22

I got it out there and then people started to use it and it was just kind of like

Graham Krizek: 00:12:26

instead of the community, people were very interested in using it and we got like

Graham Krizek: 00:12:29

a decent amount of customers just kind of organically double, all kept growing.

Graham Krizek: 00:12:33

Yeah.

Graham Krizek: 00:12:33

It's like now or never.

Graham Krizek: 00:12:34

Like I need to either jump into this or I need to get off.

Graham Krizek: 00:12:36

And I think that really that those early users of people starting to use

Graham Krizek: 00:12:40

it and really enjoying it was like that.

Graham Krizek: 00:12:42

That was the.

Graham Krizek: 00:12:42

That was the fuel I needed to be like, okay, we're gonna jump into

Graham Krizek: 00:12:45

this, we're gonna do this for real.

Tedd Huff: 00:12:46

Was there one particular customer, client that, that came

Tedd Huff: 00:12:52

on, you're like, if they come on and they start using this, we've gotta

Tedd Huff: 00:12:57

turn this into air quotes, A real company, was there, was there a point

Tedd Huff: 00:13:01

or or a customer that you're like, yeah, I guess I better go do the.

Tedd Huff: 00:13:06

The business stuff.

Tedd Huff: 00:13:08

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Graham Krizek: 00:14:09

Thunder Games.

Graham Krizek: 00:14:10

So I know Jack, their founder pretty well.

Graham Krizek: 00:14:11

They're a gaming company.

Graham Krizek: 00:14:13

They were one of the first yos of it and they like very quickly moved

Graham Krizek: 00:14:17

their entire like kind of production workloads onto, onto the system.

Graham Krizek: 00:14:20

And that was like, man, like I'm now I'm like, I'm like.

Graham Krizek: 00:14:24

This is like a real business relationship.

Graham Krizek: 00:14:25

Like I'm on the hook for like their products and what they're building.

Graham Krizek: 00:14:29

And so that was like ultimately like, yeah, like okay, I need to like.

Graham Krizek: 00:14:32

Now, like I really need to go all in on this because like their

Graham Krizek: 00:14:35

business is depending on me now.

Graham Krizek: 00:14:36

I can't be like, Hey, I'm gonna take a vacation, talk to you later.

Graham Krizek: 00:14:39

Like we gotta actually support them.

Graham Krizek: 00:14:41

And so that was an early customer that I still have a

Graham Krizek: 00:14:43

great relationship with today.

Graham Krizek: 00:14:44

When you're an early stage company, things like that just really help

Graham Krizek: 00:14:47

you catapult to the next level.

Graham Krizek: 00:14:48

It was great.

Graham Krizek: 00:14:49

When we started, it was very like, um, niche.

Graham Krizek: 00:14:51

Bitcoin developer ecosystem, which is great.

Graham Krizek: 00:14:53

We captured that pretty, pretty well.

Graham Krizek: 00:14:55

But there's also like, okay, we need to make this a really large, sustainable

Graham Krizek: 00:14:59

business, and so we need to invest in the sales, marketing, all those resources to

Graham Krizek: 00:15:03

help really grow it into the next level.

Tedd Huff: 00:15:05

The things that you and I talked about when we were preparing

Tedd Huff: 00:15:09

for this is most people think a Bitcoin is something you hold.

Tedd Huff: 00:15:13

You buy and you hold, kinda like, kinda like a digital gold.

Tedd Huff: 00:15:16

And I hate to bring that up, but that's what a lot of people look at it like.

Tedd Huff: 00:15:20

Right.

Tedd Huff: 00:15:21

But it's actually being leveraged to move money across borders

Tedd Huff: 00:15:26

faster, most of the time.

Tedd Huff: 00:15:28

Cheaper.

Tedd Huff: 00:15:29

Mm-hmm.

Tedd Huff: 00:15:30

Yeah.

Tedd Huff: 00:15:30

Yeah.

Tedd Huff: 00:15:30

Um, but let's, let's dig into the sorts of things that are driving

Tedd Huff: 00:15:35

that shift and why, what most people still get wrong about using.

Tedd Huff: 00:15:40

Bitcoin for payments.

Tedd Huff: 00:15:42

What do you see as the biggest misconception?

Tedd Huff: 00:15:46

About using Bitcoin for payments.

Graham Krizek: 00:15:49

The biggest misconception around that is, is just

Graham Krizek: 00:15:52

the, the, the speed and the cost.

Graham Krizek: 00:15:53

Basically, what's been holding Bitcoin back from the payments world for so

Graham Krizek: 00:15:57

long is it takes, it takes time, like 30 minutes, an hour for like confirmations

Graham Krizek: 00:16:01

to be, for you to have asurity that the transaction really went through,

Graham Krizek: 00:16:05

and then paying the minor fees for these transactions, which could be up.

Graham Krizek: 00:16:08

$5 fee on a $5 payment.

Graham Krizek: 00:16:10

Who wants to pay a hundred percent fee?

Graham Krizek: 00:16:11

Like no one wants to do that.

Graham Krizek: 00:16:12

Those are the things that have been holding it back, and that's exactly

Graham Krizek: 00:16:15

what the Lightning Network solves for, which is the thing that we focus

Graham Krizek: 00:16:18

the most on is the Lightning Network.

Graham Krizek: 00:16:20

And so that enables us to now, um, also transact the same Bitcoin,

Graham Krizek: 00:16:24

the same asset, um, but doing that.

Graham Krizek: 00:16:27

In like less than, less than a second, less than half of

Graham Krizek: 00:16:30

a second transaction times.

Graham Krizek: 00:16:32

And for zero to very, very low fees.

Graham Krizek: 00:16:34

People are starting to have to, um, kind of break their mental models.

Graham Krizek: 00:16:37

And that's one of the hard parts in today's world is we're very focused on

Graham Krizek: 00:16:40

like the, the investment side of Bitcoin, the ETFs, Bitcoin, strategic reserve,

Graham Krizek: 00:16:44

like all of these things that are very investment focus, also the cheapest,

Graham Krizek: 00:16:49

fastest way of moving value in the world, in the entire crypto ecosystem.

Graham Krizek: 00:16:53

And so we can't just let that fall to the wayside.

Graham Krizek: 00:16:56

Something that we're working on is bringing that more into

Graham Krizek: 00:16:57

the forefront of it being not this slow, clunky digital rock.

Graham Krizek: 00:17:02

It is something that can actually do so, so much more than that.

Tedd Huff: 00:17:05

As I talked to a number of folks about using Bitcoin and other

Tedd Huff: 00:17:08

digital assets for the movement of value, I'll just call it value, you know?

Tedd Huff: 00:17:14

'cause if we say dollars, we say whatever currency, it ends up being their mind.

Tedd Huff: 00:17:20

A lot of times they think the moving of.

Tedd Huff: 00:17:23

Of the digital asset is the expensive part.

Tedd Huff: 00:17:25

It's not the most expensive part in most cases, at least from my experience, and

Tedd Huff: 00:17:30

I love to see if you have a different experience, but is actually the off

Tedd Huff: 00:17:34

ramping, getting it off of the chain and into the tr tradify traditional finance

Tedd Huff: 00:17:41

route into the financial institutions.

Tedd Huff: 00:17:43

In that domestic currency.

Tedd Huff: 00:17:45

It seems to be that's, that's the biggest place that, that the friction and the

Tedd Huff: 00:17:48

cost really is, has moved to, yeah.

Graham Krizek: 00:17:51

As one of the hardest parts is the on off ramping of

Graham Krizek: 00:17:55

Bitcoin into the local currency.

Graham Krizek: 00:17:57

And I think that that's something what, where we've seen stable coins being

Graham Krizek: 00:18:00

really, really popular to help where you don't necessarily have to off, off

Graham Krizek: 00:18:04

ramp into the, into your bank account.

Graham Krizek: 00:18:06

You can off ramp it to a stable coin or something like that.

Graham Krizek: 00:18:08

I do definitely agree with that and that's where we've seen, we've seen.

Graham Krizek: 00:18:11

People using Bitcoin as a means of transferring value globally.

Graham Krizek: 00:18:15

But when you, when you have the on off ramp from like dollars into Bitcoin, send

Graham Krizek: 00:18:19

it to France, offload like in into the local currency there, there's a lot of

Graham Krizek: 00:18:23

fees involved on the, the, the in and out.

Graham Krizek: 00:18:25

And so you kind of lose a lot of those benefits.

Graham Krizek: 00:18:27

And so that's where we're really excited about the stablecoin use

Graham Krizek: 00:18:30

case coming into play that I think will really help make more sense

Graham Krizek: 00:18:33

of that and make it more seamless.

Graham Krizek: 00:18:35

Experience

Tedd Huff: 00:18:35

stable coins, they started leveraging the, the.

Tedd Huff: 00:18:39

Bitcoin chain because of the things we just talked about.

Tedd Huff: 00:18:42

Speed, cost, timing, difficulty, all these things they left.

Tedd Huff: 00:18:48

But you and I were talking and it seems like there's a resurgence or a

Tedd Huff: 00:18:52

return back to the, the Bitcoin chain.

Tedd Huff: 00:18:56

Why do you think that's happening?

Graham Krizek: 00:18:57

One, it's the, the reputation of Bitcoin.

Graham Krizek: 00:19:00

It is the, it is the largest by market cap.

Graham Krizek: 00:19:03

It is the, the most secure.

Graham Krizek: 00:19:05

Crypto asset that has existed ever.

Graham Krizek: 00:19:07

And so being able to do these stablecoin payments on top of the most, the, the

Graham Krizek: 00:19:12

highest security, most trusted, um, network is something that is very highly

Graham Krizek: 00:19:15

sought after, especially more traditional financial companies coming into the

Graham Krizek: 00:19:19

stablecoin space for the first time.

Graham Krizek: 00:19:21

That gives 'em a lot of assurance than like some random.

Graham Krizek: 00:19:24

Chain that they've never heard of that's like based outta China or something.

Graham Krizek: 00:19:27

Like, they just, they're like, you know, we, we wanna have all these

Graham Krizek: 00:19:29

stable coins, can be on Bitcoin and then into lightning that we're

Graham Krizek: 00:19:32

focused on is making a blockchain that is high speed for payments.

Graham Krizek: 00:19:37

Lightning is made specifically for high frequency, high fast

Graham Krizek: 00:19:41

payments that are very, very cheap.

Graham Krizek: 00:19:42

And so that's why we see a lot of interest in that, in that space is because of

Graham Krizek: 00:19:46

those two things, the trust and security, and then the speed and the reliability.

Tedd Huff: 00:19:50

A lot of times when, when people start looking at speed, they,

Tedd Huff: 00:19:52

they always compare everything against.

Tedd Huff: 00:19:55

Visa, but they have the ability to process 65,000 transactions per second.

Tedd Huff: 00:20:03

Where does lightning fall on that kind of a scale?

Graham Krizek: 00:20:06

Yeah.

Graham Krizek: 00:20:06

A lot of people point to that kind of metric.

Graham Krizek: 00:20:08

That's kinda the benchmark that a lot of blockchains are trying to

Graham Krizek: 00:20:10

hit is like, well, we gotta be Visa.

Graham Krizek: 00:20:12

Which is like, that's, that's what Solana went right.

Graham Krizek: 00:20:14

Exactly.

Graham Krizek: 00:20:14

Along with straight

Tedd Huff: 00:20:15

like, like their number is exactly the same as Visa.

Tedd Huff: 00:20:18

Geez.

Tedd Huff: 00:20:18

I wonder why.

Tedd Huff: 00:20:19

Yeah.

Tedd Huff: 00:20:20

Yeah.

Tedd Huff: 00:20:20

Like, do we really need that many TPS?

Tedd Huff: 00:20:23

I mean, I think the average day mm-hmm.

Tedd Huff: 00:20:25

On Visa is like 7,000 T ps. Mm-hmm.

Tedd Huff: 00:20:29

Like seven to 10,000.

Tedd Huff: 00:20:30

Tps.

Tedd Huff: 00:20:31

Do we really need 65,000?

Tedd Huff: 00:20:33

Mm-hmm.

Tedd Huff: 00:20:34

But going back to like, where, where help help us understand where, where.

Tedd Huff: 00:20:38

The Lightning Network falls in the, the chasm between the seven second

Tedd Huff: 00:20:43

you've got 65,000, like, yeah, yeah.

Tedd Huff: 00:20:45

Where, where does, where does lightning fall in that, that

Graham Krizek: 00:20:48

gap?

Graham Krizek: 00:20:49

Yeah, so I mean, so like there's, there's virtually no upper bound

Graham Krizek: 00:20:52

and the amount of like, transactions per Second Lightning can do.

Graham Krizek: 00:20:54

And the reason for that is, is that it's a peer-to-peer decentralized system.

Graham Krizek: 00:20:59

And so there's not, like with Bitcoin, Solana, any, anything that, any

Graham Krizek: 00:21:03

blockchain you wanna mention there.

Graham Krizek: 00:21:04

Everything has to go through a central point, which is the blockchain itself,

Graham Krizek: 00:21:07

all the validators or miners or whatever it is to validate all the transactions.

Graham Krizek: 00:21:11

Yep.

Graham Krizek: 00:21:11

With lightning, it's peer to peer, so it's only me and you

Graham Krizek: 00:21:14

need to complete our transaction.

Graham Krizek: 00:21:16

And then someone over our neighbor only needs it between

Graham Krizek: 00:21:19

them and and their counterparty.

Graham Krizek: 00:21:20

And so all transactions are purely between the sender and the recipient.

Graham Krizek: 00:21:24

And for that reason, there's no global state, like even in Visa.

Graham Krizek: 00:21:28

All Visa transactions have to go through the Visa database and the

Graham Krizek: 00:21:31

Visa APIs and like all the things that exist inside of Visa, you, there's

Graham Krizek: 00:21:35

really not necessarily an upward bound to the amount of transactions

Graham Krizek: 00:21:38

per second for the global network.

Graham Krizek: 00:21:39

You're really limited by like how fast can your computer or your

Graham Krizek: 00:21:42

server like actually dish out these packets and things like that.

Graham Krizek: 00:21:45

Yeah.

Graham Krizek: 00:21:45

But just given the way that it is a peer-to-peer network, which

Graham Krizek: 00:21:48

is unlike virtually any, unlike a Visa, unlike any other blockchain,

Tedd Huff: 00:21:52

one of the huge benefits of a decentralized system,

Tedd Huff: 00:21:55

you have the ability to scale.

Tedd Huff: 00:21:57

Pretty much infinitely.

Tedd Huff: 00:21:59

This is one of the big reasons why we've seen such a huge surge in

Tedd Huff: 00:22:03

the Lightning Network adoption.

Tedd Huff: 00:22:05

Coinbase, Kraken, new Bank, most of the emerging platforms are going all in on it.

Tedd Huff: 00:22:12

I know you talked at a really high level, but let's get like specific, maybe a new

Tedd Huff: 00:22:15

customer, a new client said, Hey Graham, this is the reason why we chose Voltage,

Tedd Huff: 00:22:20

and this is the reason why we're gonna be leveraging the Lightning Network.

Graham Krizek: 00:22:23

A lot, like virtually most of the, the largest exchanges

Graham Krizek: 00:22:26

out there have lightning integrated.

Graham Krizek: 00:22:27

Binance is another one to add to that list.

Graham Krizek: 00:22:30

Very large exchange.

Graham Krizek: 00:22:31

Everyone knows Binance.

Graham Krizek: 00:22:31

People are adding in lightning to exchanges like that because it's

Graham Krizek: 00:22:35

just an all around better experience for their consumers, which leads

Graham Krizek: 00:22:38

to increased user adoption, more activity on the platform, more

Graham Krizek: 00:22:41

traders, all of those different things.

Graham Krizek: 00:22:43

So we see that as companies exchanges doing a lot of integration.

Tedd Huff: 00:22:47

So a single hop payment.

Tedd Huff: 00:22:50

On average is settling in just 0.38 seconds.

Tedd Huff: 00:22:57

I mean, I, I came in to, to FinTech through the credit card side of the

Tedd Huff: 00:23:01

house, and we were happy when we completed a transaction in three seconds.

Tedd Huff: 00:23:06

Now mind you, that three seconds was just getting the approval.

Tedd Huff: 00:23:10

That doesn't include.

Tedd Huff: 00:23:12

The money getting moved or the value getting moved and being in

Tedd Huff: 00:23:15

somebody else's hand to be able to be used, that could take days.

Tedd Huff: 00:23:18

Yeah, and we're talking about in this particular scenario, that value to be

Tedd Huff: 00:23:22

able to be moved and to be utilized.

Tedd Huff: 00:23:25

In 0.38 seconds.

Tedd Huff: 00:23:26

That is huge.

Tedd Huff: 00:23:28

Yeah.

Tedd Huff: 00:23:28

That is so huge for something like that to happen.

Graham Krizek: 00:23:30

Yeah, that's a great, great call and a great comparison and that like

Graham Krizek: 00:23:33

people feel like when they go and pay for something with like their Visa card,

Graham Krizek: 00:23:37

they tap it, they swipe it, whatever.

Graham Krizek: 00:23:39

It's like that feels instant.

Graham Krizek: 00:23:41

That's like, there's nothing instant about that transaction at all.

Graham Krizek: 00:23:43

Like Visa just says, Hey, we're okay for right now.

Graham Krizek: 00:23:46

It's gonna be days until like the money is, it's an IU Yeah.

Graham Krizek: 00:23:50

It's a hundred percent IOUs.

Graham Krizek: 00:23:51

And so, so it's not even a comparison where you're talking about that

Graham Krizek: 00:23:54

Visa transaction takes days to get to where it needs to be.

Graham Krizek: 00:23:58

Where this is like 0.38 seconds.

Graham Krizek: 00:24:00

That is.

Graham Krizek: 00:24:01

Irrevocable that is a hundred percent final.

Graham Krizek: 00:24:03

That money is in that person's hands.

Graham Krizek: 00:24:05

Like there is nothing you can do to claw that back or anything.

Graham Krizek: 00:24:08

Like everyone is good transaction done.

Graham Krizek: 00:24:10

And so to compare, let's say five days with a Visa transaction

Graham Krizek: 00:24:14

from, from card to, it's in the, the merchants bank account.

Graham Krizek: 00:24:17

I mean like those are not even the same ballpark.

Graham Krizek: 00:24:19

Like that is just so much different.

Graham Krizek: 00:24:21

And so that's the kind of opportunity we see like that we see businesses

Graham Krizek: 00:24:24

starting to adopt is you can just, you can do different things from a business

Graham Krizek: 00:24:28

model perspective with without, with.

Graham Krizek: 00:24:29

Transactions that fast.

Tedd Huff: 00:24:31

Aach is anywhere from one to three days.

Tedd Huff: 00:24:35

Wire is hours.

Tedd Huff: 00:24:37

Right?

Tedd Huff: 00:24:37

It's it's hours.

Tedd Huff: 00:24:38

Yeah.

Tedd Huff: 00:24:39

Now, mind you, we've got RTP in Fed now.

Tedd Huff: 00:24:42

In flight and that's brought it down, but we're still not subseconds.

Tedd Huff: 00:24:47

We're still multiple seconds.

Tedd Huff: 00:24:49

So it's not really real time.

Tedd Huff: 00:24:50

It's just more real time than a CH.

Tedd Huff: 00:24:52

So we have to keep in mind that there, there are many layers of the instant

Tedd Huff: 00:24:58

real time payments area that, that a lot of people don't think about.

Tedd Huff: 00:25:03

And the network, it's not like we're, we're talking about moving

Tedd Huff: 00:25:06

tens of thousands of dollars.

Tedd Huff: 00:25:08

Hundreds of thousands of dollars.

Tedd Huff: 00:25:10

You know, as of January 20, 25, $509 million mm-hmm.

Tedd Huff: 00:25:16

In public lightning volume has happened.

Tedd Huff: 00:25:18

And when I say public, this is a big piece.

Tedd Huff: 00:25:21

Right.

Tedd Huff: 00:25:21

So you can think about JPM has their own coin that they use mm-hmm.

Tedd Huff: 00:25:26

To move money around the world and their infrastructure.

Tedd Huff: 00:25:30

This is on the public channel.

Tedd Huff: 00:25:31

Mm-hmm.

Tedd Huff: 00:25:32

This isn't some private channel.

Tedd Huff: 00:25:34

There's so much to be said for that.

Tedd Huff: 00:25:37

Because it's, it's running across over 16,000 nodes, well

Tedd Huff: 00:25:42

over 75,000 active channels.

Tedd Huff: 00:25:44

Just going back to the decentralization we talked about.

Tedd Huff: 00:25:47

Yeah, that's a lot of money.

Tedd Huff: 00:25:49

To be moved, take ownership somewhere in the middle

Graham Krizek: 00:25:53

and in our estimations about close to the same amount

Graham Krizek: 00:25:56

in the, on the private side.

Graham Krizek: 00:25:57

So like kind of unannounced, like non-public data around

Graham Krizek: 00:26:00

like the amount of funds there.

Graham Krizek: 00:26:01

So we're seeing, I mean, close to a billion dollars, like locked into

Graham Krizek: 00:26:05

this network that is not one time use.

Graham Krizek: 00:26:08

Like things you can use the, like that billion dollars of

Graham Krizek: 00:26:10

liquidity for payments backing.

Graham Krizek: 00:26:12

Forth.

Graham Krizek: 00:26:12

And so the, the pump is primed, like it's just ready to go.

Graham Krizek: 00:26:15

We just need to incorporate the technology, um, and start to

Graham Krizek: 00:26:18

use it for this kind of stuff.

Graham Krizek: 00:26:19

So, um, it's been very interesting to see the, those numbers continue

Graham Krizek: 00:26:22

to climb, um, over the years.

Tedd Huff: 00:26:24

So you've been quoted by saying Lightning isn't a

Tedd Huff: 00:26:29

niche tool, how money will move.

Tedd Huff: 00:26:32

I'm looking at, I mean, 650 million users on Lightning globally.

Tedd Huff: 00:26:36

What's your vision for the next wave of adoption and how close do you think

Tedd Huff: 00:26:43

we are to seeing maybe lightning as being the default digital payment?

Graham Krizek: 00:26:47

Right.

Graham Krizek: 00:26:48

The regulatory landscape is becoming more and more friendly, just like the

Graham Krizek: 00:26:51

OCC, just like last week, I think it was kind of publicly stated, banks can

Graham Krizek: 00:26:55

hold cryptocurrency on behalf of users, and so that was a enormous shift from

Graham Krizek: 00:27:00

what they were saying earlier, but not,

Tedd Huff: 00:27:01

and, and we, we covered this in our April, 2025 recap that.

Tedd Huff: 00:27:06

Now, like the banks had to say, father, may I please hold Bitcoin or may I

Tedd Huff: 00:27:10

please do this with, with digital assets.

Tedd Huff: 00:27:13

They used to get an approval and now that's been rescinded.

Tedd Huff: 00:27:17

They don't even have to do that.

Tedd Huff: 00:27:18

They just have to follow the best practices.

Tedd Huff: 00:27:21

Then the regulatory side of the house, like you just mentioned, all of the

Tedd Huff: 00:27:25

acronym agencies at the federal level have, have basically just come in

Tedd Huff: 00:27:30

alignment where they're all like, yeah, we'll agree with that one.

Tedd Huff: 00:27:33

We'll agree with that one, that agree with that one.

Tedd Huff: 00:27:35

Who would've fought, did the OCC?

Tedd Huff: 00:27:37

The FTC and the FDIC.

Tedd Huff: 00:27:39

I know I'm leaving like two more out SEC, but all agree on anything?

Tedd Huff: 00:27:44

Yes.

Tedd Huff: 00:27:45

Yeah.

Tedd Huff: 00:27:46

And this, we've, we've agreed to that.

Tedd Huff: 00:27:47

Plus we've got the stable coin act that, that's being worked on right now.

Tedd Huff: 00:27:50

I think, um, as the day that we're recording this, it looks

Tedd Huff: 00:27:54

extremely positive in that.

Tedd Huff: 00:27:55

So yeah, you're right.

Tedd Huff: 00:27:56

The.

Tedd Huff: 00:27:57

The direction on the regulatory side has really, really made a lot of traction.

Graham Krizek: 00:28:03

You know, no one wanted to touch it.

Graham Krizek: 00:28:04

Now they can touch it and okay, cool, let's figure out how do we incorporate

Graham Krizek: 00:28:07

this and make it part of our business.

Graham Krizek: 00:28:09

So I think that we're, we're just like this month starting

Graham Krizek: 00:28:11

to see that become a reality.

Graham Krizek: 00:28:13

So we're, we're early in that, but it's also like really real exciting

Graham Krizek: 00:28:17

that we've seen more businesses, more tradify like businesses, um, starting

Graham Krizek: 00:28:21

to incorporate crypto more and more.

Graham Krizek: 00:28:23

So I think that's just, it's gonna be an ev an evolution of.

Graham Krizek: 00:28:26

There will be a lot of like crypto adoption.

Graham Krizek: 00:28:28

And then as time moves on, I think that there'll be much consolidation

Graham Krizek: 00:28:32

into what is the best way of doing it, which we believe will be the lightning

Graham Krizek: 00:28:36

network as more and more as people start to experiment with a lot of

Graham Krizek: 00:28:39

different things and see the value of it.

Graham Krizek: 00:28:41

And so there's gonna be a lot of integration across the board.

Graham Krizek: 00:28:44

And then there'll be consolidation once people figure out.

Graham Krizek: 00:28:46

What, what is the best thing for what we're trying to do?

Tedd Huff: 00:28:49

What makes me start to think about is going back to our discussion

Tedd Huff: 00:28:53

about it being the bits and the bites and the ones and the zeros and, and now

Tedd Huff: 00:28:58

it, it's really started to, to get to the, uh, the API first, that machine to

Tedd Huff: 00:29:03

machine API first, I'm really looking.

Tedd Huff: 00:29:07

Forward to seeing what communication methodology transpires when we start.

Tedd Huff: 00:29:14

Mm-hmm.

Tedd Huff: 00:29:14

Throwing AI in place and, and using age agentic type stuff, but that's

Tedd Huff: 00:29:19

for another day, at another time.

Tedd Huff: 00:29:20

But my brain goes into, okay.

Tedd Huff: 00:29:22

What, what's after APIs?

Tedd Huff: 00:29:23

What do you see is the thing that sets you apart from the other?

Tedd Huff: 00:29:28

I'll call 'em backbones for, for lightning and, and Bitcoin payments.

Graham Krizek: 00:29:33

Yeah, I mean, I think that we're, so we're the, the

Graham Krizek: 00:29:36

first to really do what we're doing.

Graham Krizek: 00:29:37

So we've had like kind of, uh, a long time to figure out what is

Graham Krizek: 00:29:40

the proper way of doing things.

Graham Krizek: 00:29:42

So I think that our team is very uniquely positioned and being

Graham Krizek: 00:29:45

the best, um, out there for.

Graham Krizek: 00:29:47

How do you incorporate lighting into a business and how do you do that

Graham Krizek: 00:29:49

successfully and how do you make it resilient and and high up time?

Graham Krizek: 00:29:53

All of those things we work with our customers on is really figuring

Graham Krizek: 00:29:56

out how do we incorporate this into your business to be successful?

Graham Krizek: 00:29:59

And so I think that that's just one of the big things of not only the

Graham Krizek: 00:30:02

technology and the experience that we have as a team, but also being able to

Graham Krizek: 00:30:05

really focus on how can we make this maximally impactful for the customer.

Tedd Huff: 00:30:09

It's not that, it's, it's making the, the bitcoin chain move faster.

Tedd Huff: 00:30:15

What it's doing is it's taking snapshots, um, and it's using multiple no like

Tedd Huff: 00:30:19

nodes to really manage the, the volumes.

Tedd Huff: 00:30:22

As you talk about that peer-to-peer, how important is it to be able

Tedd Huff: 00:30:25

to rapidly create the nodes?

Tedd Huff: 00:30:28

How important is it to have more frequent snapshots of the chain?

Tedd Huff: 00:30:33

How should people be looking at.

Tedd Huff: 00:30:36

Lightning network providers to make sure that they're, they're not getting left out

Tedd Huff: 00:30:43

in the cold in some of these transactions.

Graham Krizek: 00:30:45

Ultimately, if you're moving Bitcoin at all in like today's

Graham Krizek: 00:30:47

world, you should be using lightning for it, um, rather than doing it on chain.

Graham Krizek: 00:30:51

It's just gonna be cheaper and faster for you.

Graham Krizek: 00:30:53

When you're looking at actually like integrating the technology itself,

Graham Krizek: 00:30:55

it's um, it's important to understand like all the, the, the important bits

Graham Krizek: 00:31:00

of like security and the backups.

Graham Krizek: 00:31:02

Like all the things of like, is this functionally gonna satisfy what I need?

Graham Krizek: 00:31:06

And like, what are voltages, stock two type two compliant.

Graham Krizek: 00:31:09

We've been running this, this infrastructure longer than anybody else.

Graham Krizek: 00:31:12

That technology, the APIs, the, the, the integration itself, and that's

Graham Krizek: 00:31:16

where we pride ourselves on a lot too, is like being able to actually get all

Graham Krizek: 00:31:20

of those benefits out of lightning.

Graham Krizek: 00:31:21

And then also how do you make sure that the, the product itself is like kind

Graham Krizek: 00:31:26

of ready to go for, for prime time.

Graham Krizek: 00:31:27

Those are the things that I think any business should be indexing on.

Tedd Huff: 00:31:30

Like when you're setting up a new note now you have to go

Tedd Huff: 00:31:33

and, and pull all the data from the chain and you have to fill it in

Tedd Huff: 00:31:38

and see all those different pieces.

Tedd Huff: 00:31:40

So if, if you're.

Tedd Huff: 00:31:42

If you're building that, it takes some time.

Tedd Huff: 00:31:45

There are benefits of, of having nodes available that maybe already

Tedd Huff: 00:31:52

have a, a large percentage of.

Tedd Huff: 00:31:55

The chain already loaded on it.

Tedd Huff: 00:31:57

Do it from scratch versus leveraging voltage.

Tedd Huff: 00:32:00

What's the difference in the amount of time it would take to spin those notes?

Tedd Huff: 00:32:03

Hey, Ted Huff here.

Tedd Huff: 00:32:05

Ever thought about how you could streamline your application

Tedd Huff: 00:32:07

and underwriting process?

Tedd Huff: 00:32:09

Well, let me introduce you to Under, why keep using the outdated methods of PDFs

Tedd Huff: 00:32:15

when you can digitize them effortlessly?

Tedd Huff: 00:32:17

All you gotta do is upload the PDF.

Tedd Huff: 00:32:19

Send it out for digital signature and voila, you're set for the digital age.

Tedd Huff: 00:32:24

Are you curious how to make that happen?

Tedd Huff: 00:32:26

Head over to under io slash FTC and get started for free.

Tedd Huff: 00:32:31

It's really that simple.

Graham Krizek: 00:32:33

Looking at hiring a team of three to five,

Graham Krizek: 00:32:35

like depending on your scale.

Graham Krizek: 00:32:37

So you have to like hire people.

Graham Krizek: 00:32:38

Hiring takes a long time and then you have to actually syn up the infrastructure,

Graham Krizek: 00:32:42

understand how that infrastructure functions, and then also, uh, monitor it,

Graham Krizek: 00:32:46

do all of those things, and then also.

Graham Krizek: 00:32:48

The liquidity, kind of what you're talking about in like loading, in

Graham Krizek: 00:32:51

basically prepping the node for actually being able to facilitate transactions,

Graham Krizek: 00:32:54

connecting it into the broader network, having the liquidity there, the

Graham Krizek: 00:32:57

channels, um, I mean that takes weeks to, to do a few kind of brand new

Graham Krizek: 00:33:02

coming at it from, from ground zero.

Graham Krizek: 00:33:04

We get our customers up in like a day.

Graham Krizek: 00:33:05

It's usually a few hours and we can have everything up and

Graham Krizek: 00:33:08

running and well connected.

Graham Krizek: 00:33:09

And so the difference between like hiring a team and.

Graham Krizek: 00:33:12

Figuring out all this is like weeks, potentially months of and of time

Graham Krizek: 00:33:16

where we can do it in like a day.

Graham Krizek: 00:33:18

And it, it's a pretty straightforward integration from the API side.

Graham Krizek: 00:33:21

Just trying to figure out all this stuff from Ground Zero is the whole reason why

Graham Krizek: 00:33:24

we started the company in the first place.

Graham Krizek: 00:33:25

Just because it is a big, daunting task that really no one should,

Graham Krizek: 00:33:28

should be doing, at least without bouncing off ideas of how would

Graham Krizek: 00:33:31

you do this in a reasonable manner.

Tedd Huff: 00:33:33

It's really important to understand like

Tedd Huff: 00:33:34

this, this, it sounds easy.

Tedd Huff: 00:33:36

APIs make it look easy, but there's a whole bunch of stuff that

Tedd Huff: 00:33:39

goes on in the background that.

Tedd Huff: 00:33:41

We gotta make sure is is being done right and this really isn't in stable coins and.

Tedd Huff: 00:33:47

There is a lot going on in stables and really it's, it's changing the

Tedd Huff: 00:33:53

way people are, are looking at.

Graham Krizek: 00:33:55

So it's obviously the demand for stable coins is, is there

Graham Krizek: 00:33:58

and, and rapidly increasing as well.

Graham Krizek: 00:34:00

And strip's kind of new product rollout after their bridge

Graham Krizek: 00:34:03

acquisition, um, to just really bring stable coins to the forefront.

Graham Krizek: 00:34:07

This very large traditional payment processor, just a really proliferation

Graham Krizek: 00:34:11

of stable coins across the market.

Graham Krizek: 00:34:13

Stable coins are, are coming onto the Lightning Network here recently,

Graham Krizek: 00:34:16

which is both fulfillment of like the prophecy that you mentioned earlier.

Graham Krizek: 00:34:19

Like they started on Bitcoin, they moved to other chains and now they're coming

Graham Krizek: 00:34:23

back, which is great and exciting, but.

Graham Krizek: 00:34:25

Stable coins on lightning versus stable coins on Ethereum or Tron or

Graham Krizek: 00:34:28

whatever it is you wanna mention.

Graham Krizek: 00:34:30

You can get that, that speed and scalability and, and cheap

Graham Krizek: 00:34:33

transactions like I mentioned earlier.

Graham Krizek: 00:34:35

But you can do that with stable coins.

Graham Krizek: 00:34:36

So you can transact a sta with a stable coin in that 0.38

Graham Krizek: 00:34:40

seconds, um, for zero fees.

Graham Krizek: 00:34:42

Yeah.

Graham Krizek: 00:34:42

Um, which is like, Tron was like kind of the, the really.

Graham Krizek: 00:34:45

Fast, cheap blockchain to do stable point payments on.

Graham Krizek: 00:34:48

Now it's starting to get like Zix dollars a transaction like on top of

Graham Krizek: 00:34:51

Tron, and it's getting, it's getting slower as just as the network grows.

Graham Krizek: 00:34:54

And so we're starting to see a lot of those.

Graham Krizek: 00:34:56

It's gonna be a big, kind of whack-a-mole game of like more usage to a chain.

Graham Krizek: 00:35:01

It's going to increase in fees and, and slowness.

Graham Krizek: 00:35:04

And so that's what's different about lighting is as you bring more activity

Graham Krizek: 00:35:07

to it, it doesn't slow down and it doesn't necessarily mean there's.

Graham Krizek: 00:35:09

Bit more fees.

Graham Krizek: 00:35:10

And so as we see this proliferation of stablecoin growth, coming to Lightning

Graham Krizek: 00:35:15

is the best way for it to continue to grow because of those reasons,

Graham Krizek: 00:35:19

chain congestion or, or high fee environments or anything like that.

Graham Krizek: 00:35:22

So that's something we're very excited about, is being able to solve for

Graham Krizek: 00:35:25

more use cases inside of stable coins on top of Lightning, because it's

Graham Krizek: 00:35:28

kind of the best of both worlds.

Tedd Huff: 00:35:29

I'm gonna, I'm gonna call out Tether, right?

Tedd Huff: 00:35:31

Mm-hmm.

Tedd Huff: 00:35:32

So they announced USDT is gonna be supported on both, sorry, Bitcoins.

Tedd Huff: 00:35:36

Base layer as well as the lightning network, that, that may,

Tedd Huff: 00:35:40

that surprised a lot of folks.

Tedd Huff: 00:35:42

Mm-hmm.

Tedd Huff: 00:35:42

Really, that they, they were gonna go ahead and do that.

Tedd Huff: 00:35:44

I think, like you mentioned it, it's gonna drive the adoption of the stables.

Tedd Huff: 00:35:48

How are you seeing.

Tedd Huff: 00:35:50

If the stables grow on, on the other, on the other chain?

Tedd Huff: 00:35:55

Uh, or are they growing or are they contracting?

Tedd Huff: 00:35:57

What are, what are you seeing happen?

Graham Krizek: 00:35:59

Yeah, I mean, like, we've seen like just

Graham Krizek: 00:36:00

overall growth in stable coins.

Graham Krizek: 00:36:02

So we see like tether, uh, they just cross like 150 billion or

Graham Krizek: 00:36:05

something like that, like in, like in their, in their treasuries.

Graham Krizek: 00:36:08

And so I mean, they're definitely, they're absolutely growing.

Graham Krizek: 00:36:11

Um, I imagine circles doing the same.

Graham Krizek: 00:36:13

And so we, we've seen huge amounts of growth in that.

Graham Krizek: 00:36:15

We've seen more and more moving into things like the Lana and Ethereum kind

Graham Krizek: 00:36:20

of outside of, like the TR tron was a big dominant chain for stable coins for a

Graham Krizek: 00:36:24

while, I think is losing that dominance.

Graham Krizek: 00:36:26

Um, and then there's.

Graham Krizek: 00:36:27

Some newer ones as well.

Graham Krizek: 00:36:28

I think that we've definitely seen continued growth instead of the

Graham Krizek: 00:36:31

stablecoin market and more and more people using them, adopting them.

Graham Krizek: 00:36:34

And so I think that that is going to be, uh, increasingly important.

Graham Krizek: 00:36:38

How are we gonna support that?

Tedd Huff: 00:36:40

How important is Bitcoin security for companies and institutions?

Tedd Huff: 00:36:47

Where stables are getting issued and moved.

Graham Krizek: 00:36:50

So in these other chain, like the, the smart contracts

Graham Krizek: 00:36:53

have, have a history of having kind of vulnerabilities or unforeseen

Graham Krizek: 00:36:56

problems or things like that.

Graham Krizek: 00:36:57

Mm-hmm.

Graham Krizek: 00:36:58

That people have a very high, um, expectation for Bitcoin in that regard.

Graham Krizek: 00:37:01

And then, so being, bringing that into like stable interest transactions,

Graham Krizek: 00:37:04

that's gonna be very important to have that trust and security of

Graham Krizek: 00:37:07

actually being able to, hey, if you're a stripe and you're trying to do.

Graham Krizek: 00:37:10

Billions of dollars of stable coin volume.

Graham Krizek: 00:37:12

You wanna do it on something that you know is gonna be there and not have, like

Graham Krizek: 00:37:15

it is interesting in the Stablecoin Mar in the stablecoin world just because.

Graham Krizek: 00:37:19

The dollars that are backing your stablecoin are held by

Graham Krizek: 00:37:21

tether or circle or something.

Graham Krizek: 00:37:23

So you're not like completely free from like any problems.

Graham Krizek: 00:37:26

You don't want an additional problem.

Tedd Huff: 00:37:28

There's this new wave of use cases that involve machine to machine,

Tedd Huff: 00:37:34

I'll just say AI agent payments.

Tedd Huff: 00:37:36

Mm-hmm.

Tedd Huff: 00:37:37

And transactions that are just done autonomously.

Tedd Huff: 00:37:40

And it looks like things like the Lightning network and stable coins really.

Tedd Huff: 00:37:47

Become the powerhouse to make these things really happen.

Tedd Huff: 00:37:50

What role do you see voltage playing in in that space?

Tedd Huff: 00:37:58

I'm not, I'm not meaning to ask you what your roadmap is for ai, but Yeah.

Tedd Huff: 00:38:02

I'm kind of asking you what's your roadmap for ai?

Graham Krizek: 00:38:04

Yeah, I mean, absolutely.

Graham Krizek: 00:38:05

I mean, it's, it's, AI is similar to stable coins in

Graham Krizek: 00:38:08

that it's this big explosion.

Graham Krizek: 00:38:09

You can't deny it.

Graham Krizek: 00:38:10

It's here, it's, it's everywhere.

Graham Krizek: 00:38:12

And we think that there will be an increasing amount of,

Graham Krizek: 00:38:15

um, of this AI agent use case.

Graham Krizek: 00:38:17

And those are gonna be just like, as AI agents are able

Graham Krizek: 00:38:19

to do more and more things.

Graham Krizek: 00:38:21

Payments are obviously something that they're gonna need to

Graham Krizek: 00:38:23

take on in a more serious way.

Graham Krizek: 00:38:25

And there's no better, um, mechanism for doing payments in, in a AI

Graham Krizek: 00:38:30

space than lightning because of the speed and the low cost, like we've

Graham Krizek: 00:38:34

mentioned, continuing to beat that point home because it is very important.

Graham Krizek: 00:38:37

So if they're trying to leverage a payment mechanism that is.

Graham Krizek: 00:38:40

As slow as a blockchain.

Graham Krizek: 00:38:42

Some of these networks that are out there, it's not gonna be able to keep up.

Graham Krizek: 00:38:45

Like the AI agent can do things so, so quickly.

Graham Krizek: 00:38:47

We need incredibly fast payments to go alongside that.

Graham Krizek: 00:38:50

And so that's where a 0.38 second payment time, um, comes really

Graham Krizek: 00:38:54

nicely into play is that you could, they can do those frequently.

Graham Krizek: 00:38:56

They could make thousands of payments a second certain scenario.

Graham Krizek: 00:38:59

So.

Graham Krizek: 00:39:00

We need payments that can mash the speed of the AI agents.

Graham Krizek: 00:39:04

Uh, and Lightning is one of the few that can really do that.

Graham Krizek: 00:39:07

And so we don't have like a direct kind of product announcement coming

Graham Krizek: 00:39:10

up, like, you know, in the next month.

Graham Krizek: 00:39:12

Or like the way that our, our infrastructure is set up API driven

Graham Krizek: 00:39:14

Lightning payments is very easy to add in these new use cases to

Graham Krizek: 00:39:17

be able to leverage our platform for AI agent payment processing.

Graham Krizek: 00:39:21

So that's definitely something we're, we're looking at and doing

Graham Krizek: 00:39:24

more around because we do see it as a very interesting and very exciting

Graham Krizek: 00:39:27

time to be able to add to that space.

Tedd Huff: 00:39:30

What I, what I want you to do is I want you to

Tedd Huff: 00:39:33

maybe go out three, five years.

Tedd Huff: 00:39:36

Just, just go ahead and time travel.

Tedd Huff: 00:39:38

Force us real quick, come back and then tell us what did you see inside

Tedd Huff: 00:39:42

of this fun little crystal ball here.

Tedd Huff: 00:39:44

During that,

Graham Krizek: 00:39:45

increasingly a, a bigger and bigger crossover in

Graham Krizek: 00:39:49

traditional finance and crypto.

Graham Krizek: 00:39:50

So I think the bridge, uh, the state, the Stripe Bridge partnership

Graham Krizek: 00:39:54

acquisition, there is a great example of like a first little look into a

Graham Krizek: 00:39:59

view of what is possible in the future where Stripe just announced like

Graham Krizek: 00:40:02

their new project and like a hundred and some countries and like to do.

Graham Krizek: 00:40:05

An initial launch in over a hundred countries is insane.

Graham Krizek: 00:40:09

Like that is, like, that is very rare to be able to do that.

Graham Krizek: 00:40:12

It's usually like three, and then you add in more, like as

Graham Krizek: 00:40:15

you, as you expand the product.

Graham Krizek: 00:40:17

And so I think that there's gonna be more and more.

Graham Krizek: 00:40:18

And then I think just yesterday, MasterCard is partnering with

Graham Krizek: 00:40:21

like moon pay to do like a stable coin backed like card.

Graham Krizek: 00:40:24

And so we're seeing more and more crossover is, am I wrong on

Graham Krizek: 00:40:28

that or is it, is it different?

Graham Krizek: 00:40:29

Oh, no, no.

Graham Krizek: 00:40:29

You're,

Tedd Huff: 00:40:29

you're completely right.

Tedd Huff: 00:40:30

They made that announcement.

Tedd Huff: 00:40:31

Um, and, and in every chat room I was in.

Tedd Huff: 00:40:35

It was, it was so funny to see the reactions, the Die

Tedd Huff: 00:40:39

hard digital asset folks.

Tedd Huff: 00:40:41

Mm-hmm.

Tedd Huff: 00:40:41

And then the other message boards, the Die Hard bankers, and then

Tedd Huff: 00:40:45

the Die Hard credit card issuers.

Tedd Huff: 00:40:47

Like it was like watching the conversations between

Tedd Huff: 00:40:51

all three of these areas.

Tedd Huff: 00:40:52

Yeah.

Tedd Huff: 00:40:53

Was was comical because you had the digital assets.

Tedd Huff: 00:40:56

Guys going, oh, this is nothing new, nothing different.

Tedd Huff: 00:40:59

crypto.com has done this.

Tedd Huff: 00:41:02

Kraken has a card.

Tedd Huff: 00:41:03

Mm-hmm.

Tedd Huff: 00:41:04

Meta Mask has a card.

Tedd Huff: 00:41:05

They started listing off like all the, all the exchanges and platforms that,

Tedd Huff: 00:41:10

that have a card that allow you to spend.

Tedd Huff: 00:41:12

Off of your, off of your, uh, wallet.

Tedd Huff: 00:41:14

Mm-hmm.

Tedd Huff: 00:41:15

And they started listing all those out.

Tedd Huff: 00:41:16

And then the, the issuer issuing side of the house folks were like, this is so new.

Tedd Huff: 00:41:21

We're so excited.

Tedd Huff: 00:41:22

Yeah.

Tedd Huff: 00:41:23

Because now we're finally getting straight to a stable coin.

Tedd Huff: 00:41:29

And then I, then we had the traditional bankers that were, were saying, yes, it's

Tedd Huff: 00:41:33

really cool that you've got stable coin.

Tedd Huff: 00:41:34

We still have to convert it.

Tedd Huff: 00:41:37

To US dollars.

Tedd Huff: 00:41:38

Yeah, I know.

Tedd Huff: 00:41:38

So it's really so fun.

Tedd Huff: 00:41:39

Like, like listening and, and I've been in this space long enough and I've

Tedd Huff: 00:41:43

seen all these different pieces and like I was like, yeah, that's right.

Tedd Huff: 00:41:45

Yeah, that's right.

Tedd Huff: 00:41:46

Yeah, yeah, that's right.

Tedd Huff: 00:41:48

So it was like no one was wrong.

Tedd Huff: 00:41:50

Right.

Tedd Huff: 00:41:51

And in the whole conversation.

Tedd Huff: 00:41:53

But I think the really cool part about it is that now we've got these major global

Tedd Huff: 00:41:58

networks that are known from the tri area.

Tedd Huff: 00:42:01

Mm-hmm.

Tedd Huff: 00:42:02

That are.

Tedd Huff: 00:42:02

Playing a bigger part.

Tedd Huff: 00:42:03

Yeah.

Tedd Huff: 00:42:03

Every day and, and just last month alone, I mean, MasterCard and

Tedd Huff: 00:42:08

Kraken made a similar announcement.

Tedd Huff: 00:42:11

Mm-hmm.

Tedd Huff: 00:42:12

It just wasn't Visa and Kraken.

Tedd Huff: 00:42:13

It was MasterCard and Kraken.

Tedd Huff: 00:42:15

Yeah.

Tedd Huff: 00:42:16

Right.

Tedd Huff: 00:42:16

So, so now you've got both these card brands coming out and saying, we're doing

Tedd Huff: 00:42:21

this, we're doing this, we're doing this.

Tedd Huff: 00:42:23

I think that in itself tells us we're at a tipping.

Tedd Huff: 00:42:25

Mm-hmm.

Tedd Huff: 00:42:26

We're at this tipping point where the value of these immutable records.

Tedd Huff: 00:42:32

To move value very quickly and easily in an automated fashion is bigger now.

Tedd Huff: 00:42:41

Than ever.

Graham Krizek: 00:42:41

It used to be that these guys wouldn't agree on anything.

Graham Krizek: 00:42:44

They would just be like, that's like, that's all dumb.

Graham Krizek: 00:42:46

That's all dumb.

Graham Krizek: 00:42:47

Like no one would ever actually kind of come and be like, oh, this

Graham Krizek: 00:42:49

is actually a cool intersection of this or that, or whatever.

Graham Krizek: 00:42:52

It was all completely different, and now like there is, everyone has

Graham Krizek: 00:42:54

different opinions on it, but we're actually kind of in a conversation

Graham Krizek: 00:42:57

with all of these different people.

Graham Krizek: 00:42:59

They used to just not even be in the same room ever.

Graham Krizek: 00:43:01

It's this mesh of the two that I think is gonna continue and it's gonna actually

Graham Krizek: 00:43:05

open up a lot of new opportunities that like, that we've just never seen before.

Tedd Huff: 00:43:09

Real world assets, digital assets mm-hmm.

Tedd Huff: 00:43:13

Are merging together, which means that all the interfaces that we use

Tedd Huff: 00:43:17

to manage traditional and digital assets and, and anything that

Tedd Huff: 00:43:22

holds a value, I consider assets.

Tedd Huff: 00:43:24

So I know that doesn't match the SEC and FTS definition, but what's

Tedd Huff: 00:43:29

happening is that those companies that are going to win are the ones

Tedd Huff: 00:43:33

that are putting them side by side.

Tedd Huff: 00:43:35

Making it so that I can transfer, convert back and forth quickly, easily,

Tedd Huff: 00:43:41

in a way that makes sense to everyday person, not just to someone who's

Tedd Huff: 00:43:45

crypto native, not just someone who's financially savvy, someone my mother

Tedd Huff: 00:43:51

or someone that didn't grow up in a digital age that can look at it and make.

Tedd Huff: 00:43:57

A decision that benefits them, and I think that's mm-hmm.

Tedd Huff: 00:44:00

That's one of the things that, that we're gonna start to see.

Tedd Huff: 00:44:03

We've already started to see it.

Tedd Huff: 00:44:05

Major financial institutions, whether you notice it or not, if you

Tedd Huff: 00:44:09

pay attention, you'll notice that they're buying these little pieces.

Tedd Huff: 00:44:14

In all these different areas, they may not have figured out

Tedd Huff: 00:44:17

how to pull it all together.

Tedd Huff: 00:44:19

Let's see what they actually built.

Graham Krizek: 00:44:20

A hundred percent.

Graham Krizek: 00:44:21

And I think that's what's gonna be really, really exciting to see.

Graham Krizek: 00:44:23

It's just how all those things click together.

Tedd Huff: 00:44:25

Well, I'm not gonna delegate the closing of the episode to you,

Tedd Huff: 00:44:29

but I will have to figure out a way to do that sometime in the future.

Tedd Huff: 00:44:33

Yeah.

Tedd Huff: 00:44:33

But Graham, really, man, I want to thank you for, for breaking

Tedd Huff: 00:44:37

down what's actually working.

Tedd Huff: 00:44:39

Lightning, how Bitcoin is involved in that, how other stables are really

Tedd Huff: 00:44:44

paying attention to that piece of it.

Tedd Huff: 00:44:46

How voltage isn't just building tools, you're, you're creating that backbone, um,

Tedd Huff: 00:44:52

and it's making fast payments possible.

Tedd Huff: 00:44:55

Let me just highlight something that, that I think is important for you to know.

Tedd Huff: 00:45:01

Bitcoin is truly moving real money, and like I mentioned before, it's

Tedd Huff: 00:45:06

$509 million flows through the lightning channels with companies

Tedd Huff: 00:45:11

cutting payments costs like by 90%.

Tedd Huff: 00:45:13

Businesses like Eubank Connected have connected to over 40,000 retail locations.

Tedd Huff: 00:45:18

Think about this.

Tedd Huff: 00:45:19

Walgreens and CVS, they use some of this infrastructure stuff too.

Tedd Huff: 00:45:23

It isn't just about.

Tedd Huff: 00:45:25

How to drive the price down.

Tedd Huff: 00:45:26

Um, and it's not about the price charts when you're looking at Bitcoin.

Tedd Huff: 00:45:29

It is about 15% of coin base's Bitcoin transactions that are settling

Tedd Huff: 00:45:35

via lightning and institutions like Fidelity are reporting.

Tedd Huff: 00:45:39

Lightning's capacity has grown nearly 300 in 84%.

Tedd Huff: 00:45:44

Since 2020.

Tedd Huff: 00:45:46

And Graham, before we wrap up here, what's the one thing you want people

Tedd Huff: 00:45:50

to take away about where Voltage and the Lightning Network are headed next?

Graham Krizek: 00:45:55

My takeaway is just for everyone to go and explore.

Graham Krizek: 00:45:58

Check it out.

Graham Krizek: 00:45:58

Like figure out if you are a business owner, how can we

Graham Krizek: 00:46:01

incorporate this into our business?

Graham Krizek: 00:46:02

What are the ways that we can start looking at.

Graham Krizek: 00:46:04

Using this technology, there is a huge amount of opportunity that we

Graham Krizek: 00:46:07

are seeing both from, for, for our company as well as the Lightning network

Graham Krizek: 00:46:10

itself that we think is gonna be, uh, incredibly powerful moving forward.

Graham Krizek: 00:46:14

So better to get on that train early than be on it late.

Tedd Huff: 00:46:17

I wanna say this, if there's anyone that wants to act on

Tedd Huff: 00:46:19

what Graham just said, go ahead, head over to voltage.cloud and see how.

Tedd Huff: 00:46:27

You can handle your micro transactions similar to what Thunder Games did in over

Tedd Huff: 00:46:33

50 countries, and also look at some of the case studies that they have with Bitco

Tedd Huff: 00:46:38

and and Unbank on their website as well.

Tedd Huff: 00:46:40

Graham, thank you for showing us how all of this works and when the

Tedd Huff: 00:46:45

infrastructure just works well.

Tedd Huff: 00:46:48

That means you've built the pipes that make decentral finance.

Tedd Huff: 00:46:52

Practical.

Graham Krizek: 00:46:53

Awesome.

Graham Krizek: 00:46:53

Yeah, thanks a lot.

Graham Krizek: 00:46:54

I appreciate it.

Graham Krizek: 00:46:55

Would love, uh, anyone to check us out.

Graham Krizek: 00:46:56

Voltage Cloud.

Graham Krizek: 00:46:57

Great to have the conversation today.

Graham Krizek: 00:46:59

Well, folks, that's it for this

Tedd Huff: 00:47:01

episode of Web3 with FTC.

Tedd Huff: 00:47:03

If this discussion about Web3 got your attention today, that's good because

Tedd Huff: 00:47:08

there's more where that came from.

Tedd Huff: 00:47:11

Hit follow on YouTube, Spotify, apple Podcast, or wherever you listen.

Tedd Huff: 00:47:16

And if you wanna stay plugged into everything we're tracking, go to

Tedd Huff: 00:47:19

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Tedd Huff: 00:47:22

That's where all the deeper stuff lives.

Tedd Huff: 00:47:25

So be sure to share this with someone who's a serious aware FinTech is going,

Tedd Huff: 00:47:30

and as always, keep moving forward.

Tedd Huff: 00:47:34

As we wrap up today's episode, I've got one last thing for you.

Tedd Huff: 00:47:38

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Tedd Huff: 00:47:42

know it's a complex battlefield.

Tedd Huff: 00:47:44

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Tedd Huff: 00:48:01

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Lily Eleven: 00:48:20

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Lily Eleven: 00:48:24

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Lily Eleven: 00:48:30

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