Tedd Huff, CEO of fintech advisory firm Voalyre, sits down with Geetha Panchapakesan, Founder and CEO of Tesser, to explore how stablecoins are changing cross-border payments for enterprises tired of slow, expensive banking methods. Recorded live at Money 2020, this conversation cuts through the noise to address real pain points that treasury managers and CFOs face when moving money across borders.

Traditional payment systems force companies to pre-fund accounts in multiple countries, tying up capital that earns nothing while transactions crawl through correspondent banks over days or weeks. Stablecoins offer instant settlement without pre-funding requirements, giving businesses real-time visibility into every transaction. The conversation covers practical adoption strategies, including how to test one payment corridor before scaling, and addresses regulatory clarity emerging from frameworks like the Genius Act. Geetha shares why remittance firms and cross-border payment companies are seeing immediate efficiency gains, and delivers actionable advice on calculating idle capital costs, measuring time savings, and leveraging blockchain traceability for compliance.

TAKEAWAYS:

1️⃣ Companies handling money transfers across challenging payment corridors are seeing the biggest wins right now with instant payouts.

2️⃣ Stablecoin transactions can be checked in real time so you always know exactly where your payment stands.

3️⃣ Calculate all the money sitting in foreign accounts earning zero interest; that capital could be deployed elsewhere.

4️⃣ Track exact time savings and cost reductions from your test corridor before expanding to broader implementation.

5️⃣ Every blockchain transaction creates a permanent record showing exactly where funds moved and when.

LINKS:

Guest - Geetha Panchapakesan: https://www.linkedin.com/in/geethapanchapakesan

Company - Tesser: https://www.linkedin.com/company/tesser | https://x.com/tesser_xyz

Fintech Confidential:

Youtube: https://youtube.com/@fintechconfidential

Podcast: https://fintechconfidential.com/listen

Newsletter: https://fintechconfidential.com/access

LinkedIn: https://www.linkedin.com/company/fintechconfidential

X: https://x.com/FTconfidential

SUPPORTERS:

Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. https://dfns.co

Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. https://skyflow.com

Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. https://hawk.ai

ABOUT:

Geetha Panchapakesan is Founder and CEO of Tesser, a payments platform enabling banks, MSBs, and PSPs to make and receive stablecoin payments with the same ease as traditional payment rails. She brings 18+ years of experience leading product and strategy at MoneyGram, Visa Direct, and Circle.

Tesser is a New York-based fintech company building stablecoin-based payments infrastructure that enables licensed financial institutions to move money across borders instantly and compliantly. The platform integrates stablecoin payment rails into existing financial systems in under a month, reducing cross-border settlement times from weeks to hours and cutting costs by up to 95%.

Tedd Huff is Founder of Voalyre, a professional services and advisory firm focused on global payments and banking. He is also a video podcast host and executive producer on the Fintech Confidential network. Over the past 25+ years, he has contributed to fintech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for Global Payments OpenEdge, Heartland Payments, Nuvei, and TSYS, among others, focusing on growth...

[Guest Name] is the [Title] of the [Company Purpose/offering] company [CompanyName]. [Pronoun] shares [short summary of the episode].

Three essential items that we dive into.

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[link here]

[Company Name]

Website:

Linkedin:

Facebook:

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Fintech Confidential

YouTube: https://fintechconfidential.com/watch

Podcast: https://fintechconfidential.com/listen

Notifications: https://fintechconfidential.com/access

LinkedIn: https://www.linkedin.com/company/fintechconfidential

Twitter: https://twitter.com/FTconfidential

Instagram: https://www.instagram.com/fintechconfidential

Facebook: https://www.facebook.com/fintechconfidential

Supporters

Support is provided by MPC 2023, the premier event for fintech leaders. This is your chance to shake hands and rub shoulders with the world's top experts in payments, loyalty, blockchain, digital currencies, cybersecurity, consumer privacy, and other emerging fintech solutions connecting you directly with the future of commerce.

If you haven't already, mark your calendars for August 23rd through the 25th and join me and Fintech Confidential at the Westin Atlanta Perimeter North.

When you sign up for FinTech confidential notifications, you will receive a discount from $50 to 100% off.

Or use this link for $50 of registration. https://mpcevent.com/FTC50

[insert timestamps from transcript]

[Guest Name]: [Guest Bio]

[Company Name] : [Company info]

Tedd Huff: Tedd Huff is the Co-Founder of Voalyre, and the President & Founder of Diamond D3, a professional services consulting firm focused on global payments and marketing. He is also a video podcast host and producer of Fintech Confidential.

Over the past 24 years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for Global Payments OpenEdge, Heartland Payments, Nuvei, and TSYS, among others, focusing on growth while delivering innovation, process improvements and user experience-driven value to simplify the complexity of payments.

Diamond D3, Media: A media creation, management, and production company delivering engaging content globally

A glimpse into what you can get from the first episode of Inside the Vault the new Fintech Confidential Series.

Inside The Vault is a Fintech Confidential series for people who actually work in banking, fintech, and payments every day. It speaks to bank executives, fintech founders, product leaders, credit union leaders, sponsor banks, and the operators who sit between business, risk, and technology. The goal is simple: give you access to fintech banking moves that matter, in plain English, with enough detail that you can plug the lessons into your own work.

Each episode breaks down how banks, neo-banks, and credit unions work with fintechs to grow, stay compliant, and serve customers in real markets. You hear specific stories about product launches, pricing decisions, partnership structures, risk calls, compliance pushback, and board-level debates from people who were actually in the room. Guests walk through what got approved, what died in a committee meeting, where partnerships made real money, and where they came apart. You hear the good, the bad, the ugly, and the unfortunate, with takeaways that are likely to sharpen your next move.

The conversations go deep into core banking, embedded finance, payments, risk and compliance, and fintech partnerships without sliding into vague talking points or soft marketing. You get straight talk as operators explain what they tried, what worked, what failed, and what they would do differently if they had another shot. Some stories may suggest a fresh way to look at your roadmap, and to be fair, a few may sting a bit if you recognize your own playbook. The aim is to keep it practical and specific so you walk away with actions, not just nice phrases.

Episodes are recorded around real industry moments, including sessions at Money20/20 and conversations on stages like the Money Pot, so the content stays tied to what is actually happening in the market right now. For what it is worth, if you care about modern banking, want clear views into banks, neo-banks, credit unions, and fintech partnerships, and need candid conversations that usually stay off the record, this series is likely to be well worth your time.

If you care about modern banking, detailed breakdowns of how financial institutions work with fintechs, and partnerships that actually perform, and you want access to candid conversations that usually stay inside the vault, this series is built for you.

Subscribe now to get the first episodes as soon as they drop and stay ahead of the next wave of bank-fintech moves.

Listen on your favorite podcast platform: http://Listen.frominsidethevault.com

Watch full conversations and clips: http://watch.frominsidethevault.com

Get email recaps and future drops: http://subscribe.frominsidethevault.com

October 2025 shook the crypto world. Bitcoin crashed harder than any October since 2015, someone accidentally minted $300 trillion in stablecoins, and traditional banks started an all-out war against crypto companies trying to get federal charters. Tedd Huff, founder of Fintech Confidential and CEO of fintech advisory firm Voalyre, sits down with Rob Musiala, partner at Baker Hostetler who co-leads The Blockchain Monitor, to break down what moved Web3 when it mattered most.

They walk through why stablecoins just crushed major card networks with $2.6 trillion in annual volume, how Western Union suddenly decided blockchain payments make sense, and what the Genius Act really means for everyone trying to operate in this space. This isn't theory. Banks are fighting to protect their turf while crypto infrastructure gets bought up for billions. The conversation covers enforcement crackdowns, court rulings that actually matter, regulatory battles over OCC charters, and why sitting this one out stopped being an option months ago.

KEY TAKEAWAYS

1️⃣ Financial institutions must evaluate make-or-buy decisions on stablecoin infrastructure before competitors capture market share as platforms offering blockchain-based payments already process volumes exceeding major card networks.

2️⃣ Developers building on Ethereum layer-2 solutions can expect 30-60% lower transaction fees after Fusaka activates December 3rd, allowing projects to adjust pricing models or capture improved margins.

3️⃣ Stablecoin issuers, custodians, payment facilitators, and exchanges face different compliance requirements based on their specific business models under the Genius Act framework.

4️⃣ Retail investors and traders experienced 60-80% losses across major meme coins during October, while newcomers like Mini U and MemeCore surged during the same downturn.

5️⃣ Businesses operating cross-border payments between Japan and international markets gain new infrastructure as institutions push toward 10 trillion yen stablecoin circulation targets.

LINKS

Host:

Tedd Huff (LinkedIn) - https://www.linkedin.com/in/teddhuff/

Voalyre - https://voalyre.com

CI (Confidential Informant):

Rob Musiala (LinkedIn) - https://www.linkedin.com/in/robertmusiala/

The Blockchain Monitor - https://www.theblockchainmonitor.com

Company:

Baker Hostetler - https://www.bakerlaw.com

Fintech Confidential:

YouTube - https://www.youtube.com/@FintechConfidential

Website - https://fintechconfidential.com

Newsletter - https://fintechconfidential.com/newsletter

LinkedIn - https://www.linkedin.com/company/fintech-confidential

SUPPORTERS

Dfns - Secure wallets built right. API-first, multi-chain MPC wallet infrastructure for payments platforms, custodians, and exchanges. Request demo: fintechconfidential.com/dfns

Skyflow - Build fast without breaking privacy. Zero trust data privacy vault delivered as an API for PCI, GDPR, and SOC 2 compliance. Learn more: skyflowsecure.com

Hawk AI - Fight fraud and financial crime with real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. Sign up for demo: GetHawkAI.com

Confidential Informant - Robert Musiala - Partner - BakerHostetler

Robert Musiala has been working in the blockchain and digital assets market since 2012 and has led multiple digital asset investigations, including as the court appointed receiver over cryptocurrency investment funds used in a major fraud. Robert also advises on a variety of regulatory compliance issues involving digital assets and has drafted/negotiated agreements for a wide range of transactions...

Small businesses are owed over one trillion dollars in unpaid invoices. Host Tedd Huff the CEO of Voalyre a Fintech advisory firm and Founder of Fintech Confidential sits down with Prashant Fuloria, CEO of Fundbox, to discuss how embedded finance transforms working capital access for business owners managing teams of one or two while juggling payroll, invoicing, and growth decisions. Prashant left senior roles at Google, Facebook, and Yahoo to help solve this massive cash flow crisis affecting hundreds of thousands of entrepreneurs.

This conversation covers how Fundbox embeds financing directly into platforms like QuickBooks and Stripe, eliminating lengthy applications and delivering instant capital when business owners need it most. Prashant explains why leadership culture drives sustainable growth, how daily team huddles prevent executive isolation, and why transparent partnerships built on trust outperform traditional direct marketing. The episode reveals practical strategies for scaling fintech platforms while serving underserved small businesses with flexible, responsible lending.

1️⃣ Use continuous platform integrations that monitor business health in real time and automatically adjust credit offers as revenue grows.

2️⃣ Remove lengthy forms by using existing platform data from accounting software or payment processors to complete underwriting instantly.

3️⃣ Access immediate capital when trucks break down or equipment fails without waiting for traditional loan approval timelines.

4️⃣ Structure financing to align with actual cash flow patterns rather than rigid monthly schedules that ignore seasonal business cycles.

5️⃣ Embed financing into industry-specific software platforms to create a one-stop experience where owners never juggle multiple logins.

Guest

Prashant Fuloria

LinkedIn: https://www.linkedin.com/in/prashant-fuloria/

Company

Fundbox

Website: https://fundbox.com/

LinkedIn: https://www.linkedin.com/company/fundbox/

X: https://x.com/Fundbox

YouTube: https://www.youtube.com/@Fundboxcom

Fintech Confidential

Youtube: https://youtube.com/@fintechconfidential

Podcast: https://fintechconfidential.com/listen

Newsletter: https://fintechconfidential.com/access

LinkedIn: https://www.linkedin.com/company/fintechconfidential

X: https://x.com/FTconfidential

Instagram: https://www.instagram.com/fintechconfidential

Facebook: https://www.facebook.com/fintechconfidential

Supporters

Under: Streamlines application and underwriting with digital form processing. https://under.io/ftc

Skyflow: Zero-trust data privacy vaults as an API to secure and tokenize personal information. https://skyflowsecure.com

Dfns: Wallets as a service secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfns

Hawk AI: Real-time screening and ML monitoring to strengthen fraud and financial-crime prevention. https://gethawkai.com

About

Prashant Fuloria is CEO of Fundbox, a product and technology leader with 25+ years of experience building platforms at Google, Facebook, and Yahoo. At Fundbox he has supported more than 500,000 SMBs and unlocked over $5 billion in working capital.

Fundbox is an embedded working capital platform built for SMBs using accounting, payments, and vertical SaaS tools. By integrating with QuickBooks, FreshBooks, and other platforms, Fundbox provides fast, flexible credit using AI-powered underwriting and real-time data.

Tedd Huff is Founder of Voalyre, a fintech advisory firm, and host of Fintech Confidential. Over 25+ years, he has contributed to

Bitcoin hit $116K before $3.45 billion in liquidations while stablecoins transferred a record $15.6 trillion with bots executing 70% of that volume. Host Tedd Huff, CEO of Voalyre, and BakerHostetler Partner Robert Musiala break down what happened in crypto this month and why it matters to your business now. The SEC issued two major no action letters creating roadmaps for DePIN networks and state bank custody while Treasury opened a 58 question comment period closing October 20th on Genius Act implementation. The Wolfsburg Group published global AML guidance requiring banks to know their customer’s customer when serving stablecoin issuers as nine European banks formed a consortium to launch a MICA compliant Euro stablecoin by 2026. Market fragmentation accelerates as purpose built stablecoins target specific communities while USDT and USDC slip to 84% combined share despite growing absolute volumes. Security threats remain the biggest adoption risk even as regulatory clarity emerges. Learn the five moves compliance and product teams should make today: display fees before sends, segment use cases by ecosystem, publish clear redemption rules, run cross chain incident drills, and build a one page control map that speeds both sales cycles and audits. If you manage risk, product, or finance in payments or crypto, this episode gives you the regulatory context and practical steps to act without waiting for Congress.

LINKS

Confidential Informant:

Robert A. Musiala Jr., LinkedIn: https://www.linkedin.com/in/robert-a-musiala-jr-esq-cfcs-b6534bb/

Firm Profile: https://www.bakerlaw.com/professionals/robert-a-musiala-jr/

The Blockchain Monitor: https://www.theblockchainmonitor.com/

BakerHostetler: https://www.bakerlaw.com/

Fintech Confidential

YouTube: https://fintechconfidential.com/watch

Podcast: https://fintechconfidential.com/listen

Notifications: https://fintechconfidential.com/access

LinkedIn: https://www.linkedin.com/company/fintechconfidential

X: https://X.com/FTconfidential

Instagram: https://www.instagram.com/fintechconfidential

Facebook: https://www.facebook.com/fintechconfidential

SUPPORTERS

Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. Request demo: https://fintechconfidential.com/dfns

Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. Learn more: https://skyflowsecure.com

Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. Sign up for demo: https://gethawkai.com

ABOUT

Confidential Informant: Robert Musiala has worked in the crypto assets market since 2012. He has led major investigations, advised on compliance and product agreements across Web3 and NFTs, and co-leads BakerHostetler’s Web3 and assets team. He also authors The Blockchain Monitor with weekly legal insights.

BakerHostetler: A U.S. law firm advising clients from startups to Fortune 500 on blockchain-related matters, policy, compliance, and risk.

Host: Tedd Huff is Founder & CEO of Voalyre and DD3 Media and hosts Fintech Confidential, bringing clear, practical conversations on how money moves.

DD3 Media: A media creation, management, and production company delivering engaging fintech and Web3 content.

Chapters

00:00 Highlights

01:17 Dfns - Wallets as a Service (sponsor)

02:38 Kickoff

03:48 Lightning Round: Bitcoin and majors

05:15 Lightning Round: XRP, memecoins, staking pressure

06:28 Layer1 - Layer2 top News

07:29 Stable Coin Top News

09:02 Regulatory Landscape

11:38 Secuity Threats and Compliance

19:12 Bots = ~70% of the $15.6T stable coin...

Building a successful fintech consulting firm without venture capital requires more than industry knowledge. It demands a willingness to sacrifice, a clear understanding of what customers need, and the ability to treat compliance as a commercial function rather than a cost center.

Tedd Huff founder & CEO of Voalyre a fintech advisory firm sits down with Jas Randhawa, founder and CEO of Strategybrix, a compliance consulting firm that serves high-growth fintechs, exchanges, and partner banks. The discussion covers the hard lessons learned from bootstrapping, the common mistakes fintech founders make, and why approaching compliance strategically can unlock growth rather than block it. Jas spent over 20 years working with major banks like Citibank, JP Morgan, Deutsche Bank, and HSBC. His background as a computer science engineer gave him an inside view of how compliance systems work, from KYC and onboarding to transaction monitoring and fraud detection.

1️⃣ Prepare budget negotiations with specific numbers and risk examples so you walk in ready to win.

2️⃣ Replace compliance roadblocks with conditions for approval that define the guardrails needed to say yes safely.

3️⃣ Audit your onboarding flow against competitors to remove unnecessary friction that causes customer drop-off.

4️⃣ Create a one-page explainer showing how your AI compliance tools process data and produce outputs for regulators.

5️⃣ Build a trusted advisor network and schedule calls this week to validate major hiring and spending decisions.

Jas Randhawa: https://www.linkedin.com/in/randhawajas

Strategybrix: https://www.strategybrix.com

https://www.linkedin.com/company/strategybrix

Fintech Confidential:

Podcast: https://fintechconfidential.com/listen

Newsletter: https://fintechconfidential.com/access

LinkedIn: https://www.linkedin.com/company/fintechconfidential

X: https://x.com/FTconfidential

Instagram: https://www.instagram.com/fintechconfidential

Facebook: https://www.facebook.com/fintechconfidential

Under: Streamlines application and underwriting with digital form processing. https://under.io/ftc

Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. https://skyflowsecure.com

Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfns

Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. https://gethawkai.com

Jas Randhawa is the Managing Partner at StrategyBRIX, a boutique Risk and Compliance Consulting firm. Before StrategyBRIX, Jas was the Head of Financial Crimes and Compliance at leading fintechs, including Stripe and Airwallex. In addition, at PwC, Jas built and led the firm's Financial Crimes practice across the US West Coast. He has over 18 years of experience building and managing programs in the Compliance space.

StrategyBRIX is a boutique consulting firm specializing in risk and compliance management for fintechs, crypto platforms, and digital banks. Founded in 2021, the firm helps organizations build sustainable financial crime compliance programs that balance regulatory rigor with operational efficiency.

Tedd Huff is the Founder of Voalyre, a professional services advisory firm focused on global payments. He is also a video podcast host and executive producer on the Fintech Confidential network. Over the past 25 years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer.

DD3 Media is...

Duncan Barrigan left his high-profile Chief Growth Officer role at GoCardless, a $2.2 billion payments platform, to solve what he calls the biggest challenge in financial technology: broken B2B payments. This $70 trillion market is stuck, with 98% of B2B payments handled by outdated, manual processes. Rideshare giants deploy 50-person teams just to manage accounts receivable, exposing an enormous need for modern payment processing solutions.

Manual tasks and communication breakdowns are costing companies millions in wasted time. The core issue isn’t just sending or receiving money—it’s the chaos and disputes that slow down invoice payments and paralyze AP teams. Duncan saw that true progress means automating the entire workflow. Using the power of AI and AP automation, Lunos builds agents that handle accounts receivable at scale. These AI-powered tools negotiate, track, and resolve payment disputes without errors, never missing a detail, and supporting efficient electronic payments for modern businesses.

1️⃣ Start with monitor mode first to build trust and understand AR patterns before advancing to suggest or act modes.

2️⃣ Prevent disputes through real-time records instead of tracking payment promises in weekly spreadsheet downloads.

3️⃣ Let email handle customer communication rather than forcing customers onto new portals that create friction.

4️⃣ Use relationship-specific data for forecasting instead of broad machine learning patterns across different companies.

5️⃣ Integrate like a human worker by connecting with existing ERPs, CRMs, and communication tools without forcing massive changes.

GUEST

Duncan Barrigan LinkedIn: https://www.linkedin.com/in/duncanbarrigan/

LUNOS

Website: www.lunos.ai

LinkedIn: https://www.linkedin.com/company/lunos-ai/

FINTECH CONFIDENTIAL

Podcast: https://fintechconfidential.com/listen

Newsletter: https://fintechconfidential.com

LinkedIn: https://www.linkedin.com/company/fintechconfidential

X: https://x.com/FTconfidential

Instagram: https://www.instagram.com/fintechconfidential

Facebook: https://www.facebook.com/fintechconfidential

SUPPORTERS

Under - Streamlines application and underwriting with digital PDF processing - https://under.io/ftc

Skyflow - Zero trust data privacy vault with simple API calls - https://skyflowsecure.com

Hawk - AI tools for real-time fraud detection and transaction monitoring - https://gethawkai.com

ABOUT

Duncan Barrigan is a technology entrepreneur and executive. He's the Founder and CEO of Lunos, the AI partner that manages receivables just like you would. Well, how you would if you worked on it 24/7, never forgot anything and read every message ever sent to you - you get the idea.

He has spent more than a decade helping businesses get paid, previously as Chief Product Officer and Chief Growth Officer at GoCardless for eight years, playing a leading role in its rise from a UK-based direct debit provider to a global bank payments unicorn worth $2.2bn, with revenue growing for $1m to well over $100m ARR. Prior to that he worked as a consultant, leading projects advising PE & VC clients on fintech and financial services M&A and strategy at Oliver Wyman. He has an MA in Natural Sciences from the University of Cambridge.

Lunos is an AI-powered accounts receivable platform that integrates with enterprise systems to automate tracking, communication, and resolution of unpaid invoices. The system operates like a human AR agent, managing customer interactions and adapting to responses in real time.

Tedd Huff is the Founder of Voalyre a professional services and Advisory firm focused on global payments and banking. He is also a video podcast host and executive producer on the Fintech Confidential...