 Hello, everyone. My name is Latfi. It's like a sneeze Latfi and I'm father of Yike. It's we're a partner of a socap a media platform So we're making accessible to everyone the possibility to create community video campaigns and when socap asked me to join the team on Hosting the conversation around smart contract. Just make sure the right place smart contracts blockchain technology as a blended finance tool That's okay. That's gonna be not geek. It's gonna be really really close to the reality Into the to the field. So we have three great Speakers and they know they're really on the field on it aren't investing on it So we're gonna have a great conversation. So without further ado I'm gonna ask you to introduce yourself in just two or three words You know sentences and at the same time we're gonna go up into the question What is smart contract for us in a simple way? So if you can introduce each other briefly Hi everyone. Good afternoon. Hopefully we have some coffee in us after the afternoon Slump after lunch. My name is Antoinette Marie. I'm the director of heifer labs We're a digital technology support unit within an INGO called heifer international Working with smallholder farmers in Asia, Africa, America's and the US My team's role is to work hand-in-hand with our country and our regional leaders Looking at their programming and determining how digital solutions can help them accelerate and achieve their impact Through intentional and locally led programmatic integration. It's really a pleasure to be here Hello, I'm Gabriella Chang co-founder of epihub. I I'm an industrial designer I work for the Secretary of Economic Development in Chiapas in Mexico and I was also an organic coffee producer In epihub, what we do is to enable that anyone in the world can become an impact investor and The funding the crowd landing platform we developed five years ago Enables that smallholder farmers get access to affordable financing to improve the living standard This is connecting global south with global north in a win-win arbitrage and we also well We'll talk about that later. Thank you very much. I'm very happy to be here I'm Matthew Stotz with Suruli inventors Suruli inventors is a very early-stage technology investment fund Our focus is putting nature and social impact into the global economy And we do that by a software and technology investments our background is in in partially in blockchain and in other globally distributed Internet-powered software systems, so you might know that as anything you've ever subscribed to and and receive over the Internet's and our We're actually investors in FI cup and we're glad to be partnered with with heifer as well. And so Looking forward to getting into the into the conversation today Anybody knows about smart contracts are you smart contracts face your hand Good, so that's good that we have a little bit and we don't so we're gonna go clarification of vocabulary So like what is smart contract? For you in a simple way that people that are not know the system How can I use this and look good to my wife or people around me? What is smart contract? I? Would say first what's blockchain because your smart contracts run on blockchain? Okay, it's a very simple line Blockchain is a warranty that data has not be tampered with in a blockchain Sorry and a smart contract. It's some Executable agreement. It's a program that executes the agreement between the parties and one this is this program is locked into the blockchain It becomes also immutable and cannot be tampered with I Don't know if that was too geeky. I hope wasn't some more normal Good everybody can repeat it Good so So when we say in the title like how can it be blended in finance? How do you say that? What what does it mean? How can it be blended in finance? Think we can talk a little bit about our partnership here and then I'll help to clarify Heifer international heifer impact capital, which is our impact investing unit heifer labs and Ethic hub have partnered in Mexico in order to deploy a $450,000 revolving facility through Ethic hub in support of Agriculture smallholder farmers in coffee And so I want to pass it over to Gabriella a little bit to talk about that structure but I will say that in order to support Innovations such as a blended finance tool via smart contract. There is the requirement of The facility to be supported and for there to be boots on the ground that can help ensure That the recipient of the funds is ready They have intake and they have the capacity to run their business That's fundamental before we get into blockchain before we get into smart contracts that the business is viable And that they're supported through the innovation and through the processes of running their own business So again blended finance what is most of you are familiar for those who are not blended finance is Concessional capital that is willing to absorb first losses So other investors are willing to impact invest because they know if there is a default or a loss Do we all it will be absorbed by the other side in our case? Did you know that one quarter of the world population is excluded from the traditional financial system? 70% of our farmers this means one fifth of the world population is Producing one third of our food and yet they remain poor because they don't have access to the system So at Ethic hub what we build is two platforms that complement each other One is a lending platform a crowd lending platform where everywhere? Everybody can lend working capital and the other one. It's a Blended finance. It's a crowd collateral where anyone can contribute to a board collateral On behalf of the farmers because they don't have as a simple example 80% of the coffee in the world and coffee is one of the biggest commodities traded 80% is in the hands of people with only two hectares of land That's not a valid collateral because no one would grab those two hectares in the middle of nowhere. It has no valid commercial value So because they lack collateral to access the system That's one of the main reasons also living very far away also not having connectivity not having data but when third parties stake Collateral on behalf of them this blended finance attracts more impact investing because you don't know farmers are very good payers Do you don't know maybe but the global default for long-term farmers? It's less than 3% but people mix this up with the default for micro finance Which is thirty seven thirty six percent for consumption So it's it's a different thing because you don't know they are good payers We have to provide you the comfort that if they don't pay you we have something a liquid collateral To come in and cover your your investment We're very proud to say that after almost five years The platform has landed more than four million dollars with less than one percent default and even this is mostly default Thank you has been covered by the blended finance by the crowd collateral We develop and we're very proud to start scaling the solution because as Antoinette was saying if it doesn't work if it's not Doable doesn't make sense. We've been doing it for five years and now after our partnership with Hafer We are confident we are going to start scaling and reaching more farmers with the solution that we implemented And also with the support of Sir William Ventress who has supported us to keep growing and taking the solution abroad We are now in six countries and this is just the starting Yeah, I think what's super exciting about what you were describing is just this inflection point of growth. So much of what Antoinette Marie was talking about is having this foundational capacity in the communities to actually Take this step. It's it to move to it as a digital transformation. It's doing something different than you had before Most of the loan environment for small-hope farmers is a cash, you know, high absurdly high rates if they can get it and they need that that money to actually bring crops to harvest improve their yields process Coffee that they have or if it's cassava or or cocoa or other Other crops so bringing this bringing this technology and just lowers all of the costs of accessing what should just be I need to bring on, you know, maybe additional equipment and at higher additional labor from my community to work with me And so when we look at the technology, we're just looking at an accelerant something that lowers the cost It can be distributed broadly and used by by many But it's this hard work that has been done by the ethical team over the years and with the support of heifer There's actually now Positioning ethic hub to actually to expand in this way. So you have to do that work first on the ground And now that you can identify more and more opportunities. We're really excited to see this software Smart contracts blockchain all of this stuff. We can get into the technical parts of it but it's really just the types of tools many of us use every day to manage our Lives and and our finances in the hands of folks at scale. So really excited about that Good question like when you were speaking and also with the farmers There's a lot of like digital literacy that we need to bring in and also like this is so abstract For some people now we go with the farmers and how do you brought them on board and make sure that? they They really understood and it's not like a scam something like that. There's a lot of work behind it that was done. So How this happened? on getting on this I Think it's worth mentioning that we are working with organized producers These are cooperatives that have a level of literacy. They have a level of digitization that already exists Of course, there's training that comes alongside the implementation Not only technical training in order to support their operations, but things like digital literacy training training around smart Hot wallets and getting onboarded into the ethical platform And there's a bit of a conversation as well about on and off ramps so how do we go from a cryptocurrency or a digital currency into Pesso so that can be readily used in country and The reality is that it's already being used in country. There is already cryptocurrency exchanges Mobile penetration data penetration. That's an enabling factor To the adoption of technologies such as this one such as the platform with epic hub and the key is ensuring that the access to the on and the off ramps is as simple and as easy as possible and that there is when we're Implementing with a partner like epic hub. There is support with people on the ground who can facilitate that transition The first time is always the most difficult, but oftentimes we're finding that the producers that we work with they already have wallets They're already working through exchanges. They're already they already have tested out cryptocurrency They're curious about it and that really helps, but the continued support on the ground is a big enabling factor I would look to add to that that we have proved that farmers can benefit from the technology even if they don't interact with it because the more of all the Cooperatives they have this literacy. They have a Connectivity, but most of the farmers we work with they don't have data because they don't have connectivity So the technology enables to create the proper incentive loops for everybody Every stakeholder do what is best for them because it is what is best for the system and regarding technology and how we explain it For them, we don't it's like I like I like to say this example about what's up Any of you know how what's up works? I don't mean how to use it. We all know how to use it But any of you know how it works We don't we only need to know how it is used It's the same with the smart contracts and the wallets you only give them the account and in this case I would like to clarify it's a representative of the cooperative the ones who manages the funds in the future We expect the farmers to receive the wallet the funds themselves But in this moment, it's all carried by one guy one woman that is the legal representative of the cooperative and they register The bank account of the cooperative With the account in the exchange in the case of Mexico is beat. So it's a well-known exchange So they receive the funds from the smart contract and the smart contract I would like to say that example. It's kind of a scroll You don't need a third party to receive the funds because they are in this scroll and it's only Retribbable by the cooperative account because this is registered in the smart contract the money It's only for that cooperative. You cannot change the the design so It's it's true the existing organizational systems that we are already reaching reaching the farmers and Yeah, as Antoniette said We we count on people that is Accompanying them online in the present if it's necessary and the first time is difficult But when you have so much difficult in your life opening a wallet and opening An account in an exchange is nothing compared to their day-to-day difficulties. I Think it's worth mentioning Just the context here about how I mean heifer came with almost half a billion dollars This is a big commitment for I'm sorry half a million dollars. This is a really big commitment. Sorry Whoa take a couple zeros out of there. I'm very aspirational. Maybe next year very aspirational So you have to look at the context of what's been accomplished here from an impact investing platform So this is where I get very excited about what f the cup is built in Just over five years four million dollars In loans to farmers with an incredibly high repayment In fact an almost impossibly high repayment rate and Bank of America is not seeing the repayment rates like this at 1% Default which is incredible And that it took a crowd of impact investors Any of folks can go on the internet and find ethic hub and participate in this that groundswell of support Actually brought the big funder to the table And I think that is as an impact in as an impact investing model is super interesting to look at part of that Was the technology the fact that you can actually put these Pieces of software out into the world. They are immutable. They do not change They they function exactly as they're described and they do the job They're supposed to do and they have built-in trust and so as they get used more and more all the sudden My hundred dollar donation or loan if you will Gets backed by a large organization like heifer and we hope to see more of this as the platform takes off I love these slogans within the stock up at the speed of trust So we're doing impact investing at the speed of trust and the first Trunch was very difficult because we have to earn the the trust of the farmers by providing them the money We said at the rates we said and connecting all pieces and for us. It's a huge A Huge thing that we count now on such a huge NGO as such a big institution as heifer international Because this will open the doors to other entities imagine what it is to work in the intersection of Impact and web tree and blockchain. This is like talking of carnivores and vegans It's quite complicated because the crypto brass don't want to know anything that is not algorithmic that is Related to real world and I think farmers are poor so they are not an opportunity and when we talk with most of the impact investors that are very traditional of Course web tree is not within their investment thesis Of course not because they think it's speculative and all the things that we see in the press because it's a very early stage But the real value is this Imagine some years ago if someone told you that you meet not to be in the internet Nowadays you don't exist if no one can look for you into Google Maps. It's the same thing. It's going to happen with blockchain It's very important to understand the huge consequences of this technology Used for real world problems to solve them in a sustainable and regenerative way Let me just add something to close that off. You might be wondering well How did we generate that trust between Heffern International and Ethic Hub? We didn't Focus on the blockchain. We didn't focus on the smart contracts. We didn't focus on the crypto currencies We really pitched the impact and the potential for disruption Reaching last mile financing at an affordable rate for farmers and that's what drove the decisioning Everything else had to make sense and we did our due diligence, but that was the core Did the model make sense for the impact was it verifiable and it was So it's interesting because what I got from here is that you worked with the communities We have the leaders on the ground that can work with the farmers so they can so you you build over there You don't talk about how the bike is built, but let's ride the bike So that's that's the second element you said and also like how the technologies re strong and and And a great tool for those kind of impact that we're having so those are the three and after that you were able to traction of investments from small investors showing that there's a case and after that and We get a lack of juice coming out for the big organization coming in for the five billion that's near It's gonna come to question. We got here. That's really interesting. It's and it came to my mind too is What's the interest rate like what are the terms that you're offering for the small farmers when you say like it's really affordable So what are What are those three? Well, I would like to point out that the Inter-American Bank for Development was our first institutional investors Investors and they said no one had reached at commercial rates Below 50% and we were lending in those years at 20% now We are at 16% and this 16% is like 70 times less than what they used to pay the this profile of farmers were Taking money from shark loans are 1890 and even over hundred percent interest So this 16% is divided eight percent for the impact investors the lenders 4% to fit the system within the the blockchain I won't talk that technically and the other 4% are fees So we said we are regenerative finance because we generate more value than the one we extract The farmer earns more wins more the lender also, but because we are unscalable Technology we can reach millions of farmers and these small fee It's enough to make it sustainable Okay Okay What were the someone's gonna start building a project like this and want to integrate it What are like the pitfalls that you face that you want them to face like if they do it like what did you face is? Hey, watch for this. These are the flag red flags that if I knew before I will not First of all fall in love with the problem not with the solution Figure it out. What are you wanted to solve? What's that the market feed of what you're doing before going into building into the blockchain because it's expensive It's a small because it's still in early stage. So for us that would be the first learning We start building before validating fortunately what we built was usable since the beginning But it takes time. So I would invite you like there are a lot of blockchain Educational branches now doing not but part of our job part of our aim is also to spread word about the technology We've been working for five years on it So if we can help you please reach out and and we can discuss the models and see how can we help you to? To adopt this technology for your purposes from a programmatic perspective Design with your partners as early as possible and really embrace co-creation Not just with your partners your technical partners Perhaps there's government partners. Perhaps there's private sector partners That's building out the business ecosystem that's required for the loan repayment to be successful But also with the end users bring them into your process. We work at heifer labs within heifer international We work with a lot of different kinds of technology verticals not just blockchain And the number one lesson that we've learned is that you have to include the end user as part of your design process You create an environment where they can feel that they are part of the solution And the adoption curve is much easier to climb And I like to say often that the problem really isn't the technology building out the tech We have the resources the knowledge and the capabilities to do that But behavioral adoption of the new solution is the real heart of the challenge And if you don't have that product market fit and you don't have a plan for behavioral adoption The technology can be great But it won't be used and it won't deliver the impact that you're looking for True to Gabriella's point about you know falling in love with the problem I think when we invest directly in these projects We meet a lot of technologists to kind of see everything they could possibly do with technology Look at all these fantastic features and things we could build And so we're what we're really focused on in finding those those key entrepreneurs who understand That the high leverage but limited application of technology and that the rest of the problem solving is about The business model of the community and the customer that you're serving to your to your point entrepreneur And so like it's not that we look for technology light or or small amounts in particular But that there's a specific discipline for using Technology where it's high high leverage. So if you look at What I think up is built the ability to repeatedly Transact in a an alone format that is consistent and proven Time and again, there's no additional cost to that contract. It's been created. It exists It's essentially bulletproof at this point. It's been hammered on so many times that will extend For a very very long time. We hope to these extra zeros. I keep talking about And so, you know, when we think about like how to get that to that start, it's really about Getting right at the point of the thinnest possible Amount of technology that gives you the highest leverage and can be repeated One questions are interesting is like what is the the scale needed to adopt that technology and In other markets and the example was asked for Haiti. So like Haiti Haiti Haiti Exactly. So what is the scale that you said? Okay, this is the enough scale to see. Yeah, I'm disrupting and I'm I have good traction. What is the The amount of skill that I said if you reach that point. Yes, it's good or if not you have to drop it Is there any I think I come at this a little bit of a different approach Um The technology needs to be scalable Fortunately, software models usually are once they're built and there's a good product market fit We look at scale more from a maturity perspective So when is the right time to bring in tech in development context because The fundamentals need to be there. Um, our farmers need to be organized. They need to be operational They need to be on their way to profitability And then at that point you start to think about how do we increase the efficiencies of their operations And provide them with what they need to be successful like access to affordable capital Sometimes it's really basic like they need electricity. They need a place to work Sometimes it's a little bit more advanced. They have paper based accounting and they need an ERP system That can help them digitize their operations and connect into a supply chain traceability platform That would earn them a premium because they have provable origin That they can offer as an incentive to their buyers So I think there's levels to it and its Scalability is hand in hand with maturity and readiness And the tricky part is figuring out. What's that inflection point to go in and deliver a digital solution That can then do what software does, which is hopefully virally scale You're good second one, like uh, I'm I prefer to use your question. So How are you currently or what do you see emerging for web three to encourage Regenerative practice with farmers What's emerging? Well, I think we're working on a site people is uh familiar with blockchain used for traceability, right? For traceability of items Imagine that blockchain with a blended finance. We're talking about traceability of funds If we can deliver enough funding for the farmers to keep their practices that the regenerative practices We will protect the way they produce food And this is very this is key because agriculture is key for climate change And if farmers cannot make a living out of their agroforestry farming They will cut down the trees Plant another crop like this is not suitable for the mountains like corn for example So they can eat One two years and they the heavy rains wash all the land down And it's the desert is lost and they migrate to the united states In the case of latin america, let's reflect why such big countries as as mexico Our main source of income is remittances When there's so much nature around that has to be taken care of Please think with me that the greenest areas of the planet is where the unbank lived Live so it's very important to to give a A way of living in order to them to remain the stewards of the land and we're talking about financial exclusion But they are also excluded from the carbon markets. They're also excluded from the certification markets The whole global system is not designed for the small scale And it's very important to to see that so I invite you for the next time you designed a system Keep in mind excluded to not keep Is repeating this this problem And reforestation or sorry regeneration is important because I think sustainability It's about keeping things as they are But we need to heal we need to cover the holes that are done So we need to regenerate to to do more than what is done until now To make this sustainable and also to to think to keep thinking about this all the whole planet is connected I I use the terms that I heard because it's easier to explain about global north and global south But I don't like it. It's not a north and a south. We are all together into this So for those who has the privilege of eating three times a day Please think the enormous power your money has when you decide what to eat and to whom to buy it And that makes a huge difference into the lives of millions of people and into the planet, of course Maybe I can get a little geeky. I love what you were just saying Gabriella. Um, um, when we're thinking about Folks who have a natural connection to the land You had mentioned that 80 percent of Cocoa farmers, for example, this is coming from two hectares or less of land And so you just do the quick math. That's tens of thousands of livelihoods of families of farmers who are working there and so to take that to a technology conversation Blockchain is a grassroots technology. It is distributed over the internet. It is Open source it is contributed to by a large community of many of the folks in this ecosystem in the Silicon Valley and around the world But it's fundamentally and a grassroots technology. It is for everyone Can can can be on on the blockchain and access Whatever smart contract you bring so if it's one that Allows you to get a loan To do, you know, better work or invest more in your farm That's accessible to everyone now. There is also that hurdle of adoption. We've been talking about but it's it's fundamentally A bar to be cleared and once that bar is cleared you have a grassroots platform And I think that's from a technology perspective Really important to understand so much of what we see in development so much of what we see an impact Is very large-scale top-down big development dollars coming out of governments coming out of large multinationals or NGOs and In some applications as we're seeing with at the club The blockchain technology actually provides an equalizing factor where cooperatives and small-hold farmers can do for themselves with Tools that have already been written and put out on the internet for them to access So once we get them up over that hurdle, I feel very encouraged by the potential for the grassroots to grow I'd like to add something to this because they were talking about philanthropy at the beginning And there's a lot of prejudice Thinking that helping others should be philanthropic or artistic. It's not this technology is proving It is possible to create share value models because they are more efficient because when you can Present from a third party as intermediary when you can desintermediate and replicate and scale It's business for everyone. It's a huge problem But it's also a huge opportunity and if we focus it as an investment opportunity and not as a donation because it is not No, it's okay. I'll meet you. It is it is it is a good business to invest into into the common good I want to add to that and and I think this was part as I was planning for this talk It was part of my closing remarks that Even being a representative of the NGO the philanthropic partner We are very bullish on viable business solutions blended finance and private partnerships because for us to reach sustainable impact The intervention needs to work when the grant dollars are no longer there. So once we're gone It's the local businesses or the businesses that have been localized that remain If you're relying on philanthropy to solve the problem You're not going to get a sustainable solution and there are always going to be asymmetries working with rural producers They're these are the difficult some of the world's most difficult challenges But with this technology There's a preconception that alternative finance is a disruptor. It's going to repay replace traditional finance And I see it as a parallel. It's opening a different avenue A parallel avenue by which those who are not served by traditional finance can be served and it's great We can have both have traditional finance serve that it does And alternative finance opening new avenues for those who are excluded from formal financial systems This suit Every time speaker, I'm sorry. I have to get Now it's okay. Good Okay, obviously like this because the microphone's on turn turn Two question here and one is they're interesting because like we know we're preaching for people that believe in it So one of the questions, okay Why there's so much resistance or why there's so much blockage. So what are the risks around it because not be that perfect so Resistance, I would answer a human nature We distrust what we don't understand This is a very early stage of the of the web treat of the blockchain technology Remember when we start using internet for payments Most of us had a different card to use it in the internet because we were worried or data was going to be stolen And all that stuff that we now take for granted So I think the challenge is adoption and we need more use cases to explain how the technology can be used for for possible things and I I think that's that's the main challenge get to know it get Embrace the unknown learn about it. Don't distrust. Don't say no because you don't know it Give it a try give it a chance to understand what it's good for and not just to hear what the bad press is saying because It it happened without the other technologies. It's always happens the same curve of adoption. I think yeah I'm just add a follow-up question. I do you want to add something in bilba? I'm going to shoot a follow-up question on this. It's really like okay So ready to this are we're going to see a crash like 2008 a bubble like that happen on this like are we going to see That's a follow-up question. I know They just be straightforward. I mean this is You know, it's kind of like saying Blockchain is maybe equivalent to like a category like music You can find a lot of terrible music in the world. So you can find a lot of terrible blockchain projects as well And so when you have a proven platform, I think this is why You know when you look at a project like ethic hub with a with a five-year track record with You can go on if you're technical You can actually look up their smart contract on a blockchain explorer and see the transactions You can also go to their website and see the real lives of people that have been that have been touched and improved by the loans that you make and And I would say, you know take the risk that you can take it is is an investment product to some extent So you've heard that four million dollars have been loaned and returned. You've heard that the The the rate there Of repayment is 99 And that is then they have a blended model so that that actually doesn't impact any investor Take your risk capital and put it to work If you buy a cd for 4.25% return on a annual basis right now You can actually find a different interest rate by helping Farmers with a loan on this platform So I think the answer is no it's a very this is a very specific and proven project and we need that We need more specific and proven projects We'll start to see more folks like ethicab and heifer working with with people and we'll see that There's probably an extension of what you've built that others and when it comes to maybe karmine crediting or Or other things that we'll see in the future where You'll become the center of trust and accelerate things That's one of the amazing things about the technology. It's composability It's like blocks that can be combined. We don't need to start from scratch The technology is evolving very fast. So very soon most of the Implementations we need we can build them because it's our founding team, which is technicians technicals, but it can be Adopted for for many and apported by many We just have few minutes left. So like I'm gonna I just have like a moving to the closing like the first question I have is What is your biggest fear related to your field? And what's happening if you have one biggest fear? What it is? Is it a fear or is it an opportunity? I'd say it's an opportunity I think that the the gap or the divide between the philanthropic space and the impact investing or social enterprise space Is getting smaller and it that trend needs to continue We really need to work hand in hand to understand the development challenges and the maturity that's required for investors to come in With a healthy risk appetite and work hand in hand to create viable and sustainable solutions It's difficult because the challenges that we're working to solve are difficult and they require Patient and flexible capital and they require time and thoughtful data collection in order to not prove out That it's working that's important too But also to influence and help the programming pivot together with the private entities So we have to work together to make our programs better and we have to be really humble About what's working and what's not working discard what's not working and innovate again to find what can work for the long term I'm a optimist through and through uh, and so I think um Maybe maybe just um impatience and anxiety rather than fear. So it's my emotional state is um come on already folks I mean like we've proven it right. It's working So I it's really about just I want to just see more and more adoption more I would love for half of the folks in this audience today to get on to ethic hub and try And explore and and put something down that can be massively impactful in the next five out five to ten minutes It can it can literally happen that quickly Um, and if you don't or if you need help doing that. I'd love to chat with you about it. So let's move fast Also, I'm quite optimistic. But if there's a fear could be that people sorry That I'm optimistic also and if I have a fear regarding the technology would be that People here doesn't act fast enough and instead of having the amazing tool it is to catalyze Uh development for the for the SDGs Yeah, we end up with a world street on asteroids. I mean the technology being used to do the same business as usual Faster cheaper, but the same instead of creating whole new models imagine E marketing or how what's before When they said you need to use catalogs to do stuff. No instead of using the technology It's going to be the same. This is amazing new model. This is just a starting and I invite you to embrace this technology and adopt it And of course join epic hub to learn how to use it for purposeful things and not to do the same as usual And quickly your biggest hope I'll just I'll just say that We meet and connect with more Incredible folks like heifer and and at the club. I think Just getting the word out there that this is there's potential here that we've proven a model that works I hope To use that word that more entrepreneurs more builders And more NGOs are inspired to to come down this path Yeah, my biggest hope they said web 2 internet. It's about competitors While web 3 it's about collaborators My greatest hope is to create synergies between the word changers the game changers That want to do something positive and do it now not to wait to that future It is in our little hands to do huge things and we can do it all together I hope to find um more epic hubs More builders who are looking at very viable use cases And they're talking about their impact and they're using the technologies available to them A couple years ago it was blockchain and smart contracts now. It's all about AI Let's use all the tools that we have at our disposal to work on solutions that can create an impact Just to close Last one like there's so many good information that was shared What is the one liner that you want them to keep in mind like was the One The next morning Top title in the newspaper the headline what will be for people to live with. Okay. I need to live with this one One take away. They need to go with I'm just going to summarize what I said before take a risk at making an impact perfect Be brave We knew we need new ways to solve old problems Take a risk be brave and keep innovating