04:51 How Kevin discovered bitcoin
07:29 New business models
22:11 Cash app vs organic wallets
27:02 Medium article
34:52 5-10% payments lost
37:25 Stable coins
43:20 Lightning and privacy
45:37 Centralisation
48:11 Liquidity on Lightning is centralizing
50:13 What you have learned from your guests
51:54 Criteria for investing in Lightning companies
55:36 VC and TAM - total addressable markets