►
Description
Tammy is the CEO of Stronghold which creates virtual payment networks that enable instant settlement and interoperability between legacy and new payment networks. Tammy served as the first Head of Growth at Stellar, helping the network grow to 4 million users in its first two months.
A
A
How
we're
transitioning
to
from
web
2
to
web3
is
that
we
interoperate
with
traditional
rails
as
well
as
more
modern
payment
networks,
like
you
know
ones
that
you
would
see
in
web.
Three,
like
you
know,
cryptocurrencies
like
a
like
a
salon
and
a
seller
and
a
ripple
and
chains
that
are
more
payments
focused.
We
allow
our
developers
and
our
businesses
to
earn
rewards
for
the
more
transactions
that
they
put
through
our
network.
B
So
I
have
a
quick
question
for
you
tammy
before
before
you
dive
too
deep.
What
was
your
transition
for
web
2.3
and
what
was
that,
like.
A
used
to
be
the
first
head
of
growth
at
stellar,
so
I
I
think
it
you
know
web
3
kind
of
more
happened
to
me
whether
you
know
it's
just
where
the
market
took
us.
I
think
that
as
a
company,
if
you
wanted
to
define
what
weaponry
is
it's
you
know
everybody
having
a
piece
of
ownership,
you
know
within
when
it
within
the
ecosystem
that
they
they
have,
and
so
I
think
that
once
we
started
implementing
our
rewards
programs
by
crypto
and
allowing
people
to
you
know
stake
that
value.
A
B
Okay,
awesome,
awesome,
yeah,
just
some
context
is
always
good.
I'd
love
to
hear
where
speakers
come
from
yeah,
so
tell
us
tell
us
more
about
the
what
you
know
in
at
stronghold.
I'm
curious,
you
know:
what's
the
discourse
you've
had
around,
you
know
bringing
developers
up
to
speed
in
the
web3
space
who
may
have
not
traditionally
been
working
in
it,
and
you
know
how
does
that
relate
to
the
product
and
the
and
the
value
that
stronghold
is
building
and
bringing.
A
Right
so
it's
it's
payments,
I
it's
it's
a
very
similar
developer
experience
that
you
would
have
with
any
other
developer
api
platform,
and
I
think
you
know
that's
really.
The
key
here
is
to
you
know,
have
these
tools
available
in
the
way
that
everyone
is
used
to
seeing
them
we've
abstracted
away.
All
of
you
know
the
the
blockchain
and
the
cryptocurrency
aspects
of
it.
A
So
it's
just
easier
for
the
user
to
solve
the
problem
that
they're
trying
to
solve
the
developer,
to
solve
the
problem
that
they're
solving
for
which
is
to
accept
payments,
transfer
the
value
and
be
able
to
you
know,
off-board
those
payments
at
that
value
into
a
bank
account
or
a
wallet
of
their
cheating.
So
the
key
is
here.
A
This
is
this
is
so
exciting
we're
in
such
an
exciting
time
of
web
3,
because
I
think
that
now
with
attraction
that
we
have
today
we're
just
seeing
more
we're
seeing
more
tools
that
are
that
just
look
like
everyday
developer
tools
right
and
that's
where
it
needs
to
be.
In
my
opinion,.
B
Yeah,
that's
not
that's
something
that
monica
was
touching
on
earlier
around
the
the
kind
of
importance
of
uiux
and
familiarity
with
development
tools
for
people
coming
into
the
space.
So
I
I'm
curious
how
you
know
what
efforts
has
has
stronghold
made
to
kind
of
bring
that
to
the
you
know.
More
than
anything,
not
so
much
the
you
know
the
customer
or
user
side,
but
for
the
you
know
the
developer
and
onboarding
side.
What
efforts
from
stronghold-
and
you
know
to
make
that
familiar
for
people
jumping
in.
A
Right
I
mean,
like
I
said
previously:
it's
just
you
know
our
apis.
Look
very
similar
to
you
know
any
other
payment
developer
tool
out
there.
So
it's
just
transfer
value.
You
know
payment
acceptance,
reading
plug-in,
you
know,
I
think,
a
big
benefit
to
like
what
we're
doing
it.
Just
it
it
looks
traditional.
A
I
mean
it
really
is
like
it
really.
It
comes
down
to
the
use
of
ui
side
of
of
things
and
the
way
it
and
actually
we
spend
a
lot
of
time
on
this-
is
language
language,
language,
language,
using
the
same
terminology
using
the
same
terminology
to
describe
a
thing
in
the
traditional
world,
as
you
would
in
the
blockchain
ecosystem.
A
You
know
staking
a
lot
of
people,
don't
know
what
that
is.
Probably
in
the
web,
2
world
or
like
a
d5,
you
know
yield
like
your
little
farming.
That's
a
better
example,
but
if
you
just
like
in
simple
language,
just
like
this,
is
you
know
that
the
interest
right
that
you
you
would
earn?
You
know
otherwise
in
a
savings
or
bank
account,
and
you
know
just
presenting
it
just
presenting
it
in
terms
that
are
familiar
with
what
is
used
in
the
broader
world.
B
So
you
know
I
was
looking
through
the
site
earlier
and,
and
you
know,
the
customers
and
the
the
services
obviously
are
kind
of
a
mix
between
again
some
of
the
companies
that
spawned
up
in
the
past
five
years,
around
crypto
and
blockchain
technology.
There
are
obviously
others
that
are
much
more
traditional.
B
I
think
I
saw
gaap,
maybe
as
one
of
those
on
the
website
and
jp
morgan
chase,
obviously,
who
I
think
they've
they've
kind
of
started
to
delve
into
their
own
thing.
You
know
what
is
the
you
know,
what
is
the
value
prop
right
for
developers?
What's?
What's
you
know
why
come
into
this
space,
and
my
kind
of
second
question
is
the
customers
that
you
face
day-to-day
some
of
those
and
jeff
touched
on
this
before
is
some
of
those
are
going
to
know?
B
What's
happening,
probably
have
a
much
deeper
insight
into
this
space
like
people
like
coinbase,
right
or
stellar,
like
you
mentioned,
but
then
some
of
them
are
not
at
all,
and
so
how
you
know
what
does
that
education
process?
Look
like
with
some
of
these
customers
who
are,
you
know,
have
very
large
companies
right
who
are
doing
a
lot
so
yeah.
B
I
I
just
love
some
more
insight
into
that,
because
it's
kind
of
a
it's
a
world
we're
living
in
now,
where
we're
seeing
all
these
larger
companies
step
in
and
I'm
sure
a
lot
of
them.
Don't
really
know
the
full
capabilities
right
that
are
available
in
this
space,
and
so
you
know
how
does
strongholder
yourself
and
your
team
kind
of
work
with
these
companies
to
better
understand
what
the
offering
is.
A
Yeah,
so
you
know,
we've
really
been
lucky,
I'm
I'll
I'll
go
back
to
kind
of
ibm.
Specifically,
I
think
that's
what
you're
referring
to
so
you
know
we
early
on
in
2018,
we
were
the
very
first
we
were
the
company
behind.
I
mean
stable
point
and
all
of
these
companies
that
come
to
us
have
a
very
specific
use
case
that
they're
trying
to
solve,
for
that
doesn't
already
exist
in
the
market
today.
A
So
in
that
specific
example,
it
was
to
create
a
real-time
payment
network
for
cross-borders
at
a
wholesale
level,
meaning
today,
when
you're
kind
of
struggling
between
banks
right
between
financial
institutions
you're
doing
it
with
a
wire
now
with
wires.
You
don't
have
plenty
of
time.
You
don't
have
a
certainty
of
cost
and
those
two
things,
and
it's
not
real
time.
So
those
three
things
not
real
time:
certainty
of
cost
and
then
time
like
when
it
will
show
up
because
sometimes
when
you're
settling
international
wires,
they
can
take.
A
You
know
two
to
three
days,
depending
on
what
corresponding,
like
correspondent
banks
that
we've
been
approaching.
How
we
go
in
to
solve
a
market
is
not,
we
don't
ever
take
the
approach
of
like
build
it
and
they
will
come.
It
is
a
very
specific
use
case.
You
know
in
which
there
just
isn't
you
know
another
solution
in
the
market
for,
and
so
we
were
really
lucky
with
with
ibm,
and
we
got
to
work
very
very
closely
with
them
with
building
this
proprietary
payment.
C
So,
as
you've
been
evolving
in
the
space
and,
as
you
know,
regulatory
bodies
around
the
world
pop
in
how
have
you
had
to
change?
Have
you
have
you
had
to
change
your
approach
at
all,
dealing
with
compliance,
kyc
aml,
dealing
with
different
jurisdictions?
Is
it
had
any
effect
on
the
core
product
bufferings
that
you
have.
A
So
as
it
relates
to
you
know,
coming
up
with
new
compliance
policies
and
kyc,
absolutely
100,
you
know
you
need
to
be.
You
know
you
need
to
have
programs
in
place
for
each
jurisdiction
that
you're
serving
right,
especially
when
you're
at
that
level.
You
know
when
you're
dealing
with
you
know,
banks,
central
banks,
and
you
know
large
enterprise.
You
know
top
50.
You
know
enterprise
companies,
absolutely
you!
A
You
know
you
need
to
create
each
specific
network
governance
for
each
use
case
right.
That
does
not
go
away
and
that
will
never
go
away
now.
Did
it
ever
did
it?
Did
it
change
the
core
product?
No,
it
doesn't.
It
doesn't
change
the
core
product,
because
you
know
what
we
offer
and
what
I
think
was
so
like
delightful
about
blockchain
about
some
of
these
faster
payment,
faster,
cryptocurrencies
and
and
blockchains.
A
Is
that
so
for
for
these
new
currents
that
these
newer
blockchains,
like
solana
and
ripple
and
stellar
and
in
the
ones
like
that?
It's
not
you,
don't
you
don't
change
the
underlying
technology.
It's
just
you're
changing
the
compliance.
The
operational
functionality
around
it.
C
I
I
appreciate
that
I
happen
to
be
one
of
a
group
of
people
who
are
providing
advice
to
the
government
of
bermuda
and
I've
been
watching
watching
policies
evolve
and
seeing
how
different
governments
and
different
agencies
handle
payments
and
how
sensitive
things
are.
C
So
it's
nice
to
know
that
at
the
core
the
product
offering
can
be,
you
know,
be
stay
on
the
vision
and
it's
on
the
edge
where
you
just
have
to
worry
about
the
implementations
of
whatever
is
needed
to
be
compliant
in
the
countries
or
you
know,
regions
and
jurisdictions
that
you
that
your
clients
are
operating.
B
So
I
I
have
I've
kind
of
maybe
well
how
much
time
maybe
we
have
well
one
question.
We
have
time
for
others,
but
I
saw
this
come
in,
which
is
you
know?
What
are
the
challenges
that
that
you're
facing
as
a
leader
that
that
are,
you
know,
have
not
been
solved
yet
right?
What's
the
future,
look
like
you
know
when
you,
when
you
look
at
hiring
when
you
look
at
bringing
new
developers,
engineers
and
new
products,
you
know
what
what
is
the
2023
2024
kind
of
outlook
as
to
where
you
have
to
build.
A
A
To
them
no
yeah,
no,
it's
it's
very
relevant.
I
think
that
you
know
it's
really
exciting
right
now,
there's
more
and
more
there's
more
excitement
than
there's
ever
been
in
this
space
and
there's
been
more
developers
curious
about
you
know.
A
Web
3,
you
know
what
I'm
seeing
today
is
it.
It
really
does
go
back
to
that
language.
For
you
know,
people
just
trying
to
understand,
understand
it
all
and
how
it
works.
A
There's
there's
definitely
a
big
gap
there,
or
at
least
you
know
some
of
our
you
know,
developers
that
we're
working
in
you
know
just
trying
to
understand
how
things
work
I'll.
Give
you
a
good
example,
because
you
know
I
was
at
this
conference,
maybe
like
five
like
five
months
ago,
where
you
know
a
lot
of
developers.
A
You
know
because
bitcoin
is
so
popular
and
it's
been
around
for
so
long.
Every
like
a
lot
of
the
developers
and
just
the
general
population
think
that
all
bit
of
all
cryptocurrencies
function
like
bitcoin,
so
they're
like
oh,
like
you
know,
you
have
to
have
minors,
so
you
have
to
you
know
it's
proof
of
work,
and
so
I
think
that
you
know
a
lot,
but
most
people
don't
know
that
you
know
you
can
have
pre-mined
tokens,
you
don't
need
to
have
mining
software.
A
You
don't
have
to
you
know,
have
you
know
proof
of
work?
You
have
other
things
and
things
like
that,
and
so
I
think
that
you
know
the
education,
you
know
it's
just
it's
not
there
yet,
just
because
just
the
general
population
thinks
everything
works
like
bitcoin.
B
Gotcha,
okay,
so
it
sounds
like
a
lot
of
education
and
is
going
to
be
needed
for
some
of
the
people,
starting
in
this
industry,
which
may
be
obvious,
but
that
sounds
like
a
big
challenge
for
a
lot
of
companies.
Building
right
now,.
A
Absolutely
absolutely
it's
hard
you're
taking
like
very
complex,
like
you
know,
the
way
that
you
value
around
and
the
way
that
you
know
networking
works
and
all
these
different
functionalities.
It's
very
hard
to
translate
that
in
a
way
that
is
consumable
by
the
masses.
C
Being
that
you've
been
helped
build
this
company
and
we're
going,
do
you
have
any
numbers
of
encouragement,
others
that
are
on
that
fence
of
well,
because
you've
been
in
the
web
3
world
for
a
while
and
you've
dealt
with
a
lot
of
legacy
for
people
that
are
listening
to
this
on
the
replay
listening
to
in
the
audience
today,
who
are
considering
they're
implementing
a
web3
strategy,
any
words
of
encouragement
for
people
who
are
thinking
about
taking
the
next
step,
but
haven't
done
there
yet
haven't
made
it
yet.
A
Yeah
we're
still
in
the
beginning
stages,
it's
a
super,
exciting
time
to
learn
and
collaborate,
and
that's
one
of
the
best
things
about
this
ecosystem
is
that
everybody
is
so
willing
to
share
information
and
to
collaborate
with
you
know
solve
the
problem
that
you're
trying
to
solve,
for
I
would
say
that
yeah
be
curious,
be
curious
as
much
as
you
can,
because
you
know
folks
that,
are
you
know
entering
into
this
space
early,
like
all
the
people
that
are
listening
here
today.
C
Well,
thank
you
tammy.
Thanks
for
for
joining
us,
thanks
for
being
part
of
a
blue
lava
2022.,
I
remember
mary
meeker
in
1997
said
the
internet
was
in
the
second
inning
and
then
someone
followed
up
and
said,
but
it
was
raining
and
I
would
say
in
many
ways
it
feels
like
we're
back
in
the
first
inning
of
a
brand
new
ball
game,
and
maybe
it's
middle
of
the
game,
but
it's
the
middle
of
the
first
inning,
but
we're
ways
to
go
before
things
could
get
it.