 Today, I have the pleasure of speaking with Steve Erlich from Voyager Digital. How are you today? I'm good. How are you? Thanks for having me. Our audience is very interested in you, obviously. I mean, you've increased your assets under management 20 times. You've reached 100 million in less than one year. And of course, my interest in Voyager is, you know, from my own professional experiences. To me, you're the first crypto account where I might actually put my own money. So how about we start there, Steve? Tell us how you've managed to do this over the last year. Yeah, we're definitely a unique company. We're the only publicly traded company that's an agency broker for crypto. We're not an exchange. And so what we're trying to do all the time is make sure we bring the best products, best coins, best execution back to the consumer. What folks like you are used to seeing in the online traditional online brokerage world. My background has been in the online brokerage world spent eight years at E-Trade, but my own online broker called Lightspeed Financial for six years and want to take the concepts of online brokerage back to crypto. And one of the reasons we became a public company was we wanted to bring the trust and transparency with that to the consumer. So every quarter we file our financial statements every year, audited financial statements. And so customers can get that comfort that their assets are there, that we're reporting these things. And so we have, because of that, we've been able to get to over 100 million and growing, our assets are growing, more money's coming into the platform. So we're exceeding even 100 million pretty fast. We've grown off that. But we did it in less than a year. And that's because we are that trusted party for people to enter the crypto space, whether they're buying Bitcoin or USDC or any of the other 48 coins we have, we're a trusted party for them to make their first entry into the market. I think trust is a good point here. And obviously I'm not the only one that's looking to Voyager to say, hey, I'm ready for my first real crypto account. I noticed you just announced winning the sixth annual 2020 Benzinga Global Fintech Awards. You were the People's Choice Award. Can you tell me a little bit more about that? I mean, we're extremely excited about winning that. Benzinga is a great partner for us as well. We work with them quite a bit. But it really shows the power of Voyager, our community. We were only in the US right now. And I think we blew away second place on the voting of that. Because we have such a loyal customer base that keeps growing. And effectively, we've built our entire business over the last year off of a word of mouth rather than marketing because we've had loyal consumers who have been able to spread the word about us. And they showed their support by giving us, I think, like 10 times more votes than second place. And we're so excited by that because it just validates what we're doing and validates our community. And back to what you said before, the trust, the only reason they'd vote for us is because they trust us. And that's the key to everything we do, is earning the customer's trust. It's a customer-centric business. And that voting showed it. Well, I can't comment enough about the management team that you've built. I think that that went a long way immediately in reviewing your marketing materials. I went, OK, we have a real player here with depth, depth of knowledge and experience. So can you just comment a little bit about how you brought this management team together and perhaps provide us with a little bit more confidence that they may actually stay longer than three months? You know how these companies do it? They put together a great team. We all go in. We all write our checks. And then all of a sudden, they're gone. We're missing them. Now, it starts at the founder level with us. Besides myself, Gaspard De Druze, serial entrepreneur, has built companies called Pager and Capital. And it's done a lot of things in the financial technology world. He helps us oversee our entire product. So he's really valuable to us. Philip Aiton, serial entrepreneur as well, been in the capital markets for years before he started investing. Early investor in Uber also started a company called SoCure and Pager as well. Both are close to a billion-dollar companies today. So notice how to bring companies and mature companies from startup to that maturity level. And then most importantly, Oscar Salazar, who is the founding CTO of Uber, who gives us a lot of insight on being disruptive with the mobile app and how to bring it to the market and how to bring more product to the market in an efficient manner. But it doesn't stop there. That's the immediate team that started the business. Then we have a complete management team below us. Gerard Hanches, my COO, years in the capital markets business and now runs our product, runs our operations, runs our technology, lives, eats, breathes, crypto. You can follow him on Twitter. And he's predicting the market, and it's darn good at it too when he's predicting the market, especially Bitcoin. Janice Barrio has been with me 20 years, years at E-Trade at Lightspeed when I was capital markets guru. And then we just hired Mike Lag to run our communications. Ex-analyst knows a lot about how the market reacts and how to talk to the market. Evan Siropoulos, who is now our CFO, who comes from Public Company, years of experience. These guys are all long-term guys. Everybody, we're trying to build this thing and really create the preeminent financial services company of the future, so we're really excited by that. Of course, I'm excited about this, but I can imagine all the emails I'm going to receive from this interview with. That's great, Tracy. Can you please get to the numbers? So on that note, let's talk about this. She recently reported excellent fiscal 2020 fourth quarter in full-year results, and also you have an intriguing enticement program for new accounts that really make sense. Can you talk to the numbers for just a minute for us, please, Steve? Yeah, the fiscal year-end was really exciting for us. We did, I think, 1.1 million of annual revenue for June 30th. We filed that audited report October 28th with the MD&A that anyone go on to Cedar and go read those reports. So 1.1 million of revenue was up from $100,000 the year before, so 11x in one year. We also announced that we did $700,000 for that June quarter, so for the fourth quarter of our fiscal year, and we did at least three x that in the first quarter of that ended September that will be filed sometime by the end of November as required by the regulator. So we've seen this tremendous growth. We expect continued growth. We do have an intriguing marketing program where we give away Bitcoin for every new account that people come on board. People can refer a friend and get Bitcoin when they refer a friend, so you get some, they get some, kind of the sharing, creating an ecosystem, and then on top of that, we're enticing a lot of people into the market by giving away 85% of the interest we earn on coins. So you bring dollars to us by a USDC stable coin, which is back dollar for dollar, by greenbacks in a bank in a New York state trust bank. You bring the dollar in, it gets minted to a USDC coin, and you can earn up to 9.5% on that. And we give back, we earn maybe a percent, a percent and a half on that, and we use that as a way to get people in the ecosystem. We've just seen our assets grow off that. And Bitcoin, the same thing, we become the preeminent place to hold your Bitcoin if you wanna be a holder of Bitcoin, because we're giving you somewhere between 5.5% and 6.5% depending on whether or not you hold any of our own tokens as well. And you can get up to 6.5%, just for holding your Bitcoin. So if you were lucky enough to buy Bitcoin, three months ago when it was 8,000, and now today it's over 16,000, not only did you get 100% appreciation in the coin, you're earning 5.5% to 6.5% interest paid monthly, so it's compounding. Each month you're getting more and it's gonna compound upon that. So it's a great way where, again, we're all about trying to create a bigger community, grow our revenue, grow our customer base, which we've been doing very successfully. Well, congratulations for all your ongoing successes and please join us again in the future, Steve. Thank you. Definitely will. Thank you for having me. Appreciate it.