Name: What is Hybrid finance?
Uploaded: 2021-12-10T15:51:28.028Z
Duration: 212.13
Description: The hybrid finance definition contains elements of both debt and equity, two extremes of the financial spectrum. Trevor Marshall, Current's Chief Technology Officer, discusses the necessity of hybrid financial structures and how they create a connection between traditional and open networks.

TRAILER_Lisa_Golden_What_is_Hybrid_Finance_v6_8390399b0e.mp4

What is hybrid finance.vtt

English

{{00:00:28}}
A good lens to look at it from is
what are the values of each of these

{{00:00:32}}
things we talked about traditional
slash centralized, and then, you know,

{{00:00:35}}
decentralized sort of slash open networks.

{{00:00:39}}
There, there are consumer value props to
both and really the responsibility of how.

{{00:00:43}}
Bring those together.

{{00:00:44}}
So on your sent traditional thing, you
have security and it's not necessarily

{{00:00:49}}
the digital security of which the open
networks actually exist only because of it

{{00:00:54}}
is the perceived security that you have.

{{00:00:57}}
So, you know, as you know, when you
think of a bank, you go, oh yeah, I put

{{00:01:00}}
my money in a bank because it is safe.

{{00:01:01}}
Right.

{{00:01:02}}
There's perceived security and
that's extremely important.

{{00:01:04}}
Value prop, you have this element
of being certified, right?

{{00:01:08}}
So you have regulation, you have audit.

{{00:01:10}}
These are other things that.

{{00:01:12}}
You know, banks attractive because
you say, oh, there's that FTSE logo.

{{00:01:16}}
I know that there has been, even
if you're as a consumer, you don't

{{00:01:19}}
know the mechanics, you know that
there's been some level of oversight.

{{00:01:22}}
That's been applied to this entity and
there's also that convenience, right?

{{00:01:26}}
Like I get a debit card.

{{00:01:27}}
I can spend that anywhere.

{{00:01:28}}
I don't need to go and ask,
Hey, do you accept this?

{{00:01:32}}
Can you show me your QR code for
your light coin address please?

{{00:01:35}}
Because that's all I have.

{{00:01:36}}
Like that's so there's
that convenience element.

{{00:01:38}}
And then on the other side, you have the.

{{00:01:41}}
Right.

{{00:01:41}}
You have the accessibility, you have
the ability to say, okay, I don't care

{{00:01:45}}
what front end user interface I'm using.

{{00:01:48}}
I'm ultimately pointing to a source of.

{{00:01:50}}
That is outside of the application layer.

{{00:01:53}}
You have the value because this is the
first time that for the first time,

{{00:01:57}}
probably in history, retail investors
have more access than institutional

{{00:02:02}}
investors because of the way that, you
know, regulation applies to institutional

{{00:02:07}}
investors, but there's tremendous
value there for these different things.

{{00:02:11}}
And whether that is through owning
an NFT or staking polka dot.

{{00:02:16}}
Funding a collateralized
loan and making a return.

{{00:02:20}}
There's, there's just a tremendous
amount of opportunity there.

{{00:02:24}}
And really when you combine those
two things it's it's about in hybrid

{{00:02:28}}
finest is taking those two that I
brought two or six or however many

{{00:02:32}}
I said and bringing them together.

{{00:02:34}}
Seamlessly delivering that value, right?

{{00:02:36}}
Through a trusted entity.

{{00:02:38}}
So like currents responsibility.

{{00:02:40}}
And this is a little bit what we
talked about in the fall when we last

{{00:02:42}}
spoke, which is it's not no trust.

{{00:02:45}}
It's just less trust, which is current
still will bring you into this place.

{{00:02:50}}
And we will be a trusted participant
where we can actually bring our

{{00:02:54}}
consumers into this experience.

{{00:02:55}}
And they know that we can help manage that
because we manage their money as well.

{{00:02:59}}
We manage their payments.

{{00:03:01}}
We've already proven.

{{00:03:02}}
That we can serve our customers in a
trustworthy way, and we can then bring

{{00:03:07}}
them to that value in a way that prevents,
you know, the, the extreme technical

{{00:03:12}}
understanding that's required to really
interface and extract that value directly.

{{00:03:17}}
And so hybrid finance is all about
that connecting and that, that, that,

{{00:03:21}}
that rigid, which is really what we've
wanted to do since the beginning.

A good lens to look at it from is
what are the values of each of these

things we talked about traditional
slash centralized, and then, you know,

decentralized sort of slash open networks.

There, there are consumer value props to
both and really the responsibility of how.

So on your sent traditional thing, you
have security and it's not necessarily

the digital security of which the open
networks actually exist only because of it

So, you know, as you know, when you
think of a bank, you go, oh yeah, I put

There's perceived security and
that's extremely important.

Value prop, you have this element
of being certified, right?

You know, banks attractive because
you say, oh, there's that FTSE logo.

I know that there has been, even
if you're as a consumer, you don't

know the mechanics, you know that
there's been some level of oversight.

That's been applied to this entity and
there's also that convenience, right?

I don't need to go and ask,
Hey, do you accept this?

Can you show me your QR code for
your light coin address please?

Like that's so there's
that convenience element.

And then on the other side, you have the.

You have the accessibility, you have
the ability to say, okay, I don't care

That is outside of the application layer.

You have the value because this is the
first time that for the first time,

probably in history, retail investors
have more access than institutional

investors because of the way that, you
know, regulation applies to institutional

investors, but there's tremendous
value there for these different things.

And whether that is through owning
an NFT or staking polka dot.

Funding a collateralized
loan and making a return.

There's, there's just a tremendous
amount of opportunity there.

And really when you combine those
two things it's it's about in hybrid

finest is taking those two that I
brought two or six or however many

And this is a little bit what we
talked about in the fall when we last

It's just less trust, which is current
still will bring you into this place.

And we will be a trusted participant
where we can actually bring our

And they know that we can help manage that
because we manage their money as well.

That we can serve our customers in a
trustworthy way, and we can then bring

them to that value in a way that prevents,
you know, the, the extreme technical

understanding that's required to really
interface and extract that value directly.

And so hybrid finance is all about
that connecting and that, that, that,

that rigid, which is really what we've
wanted to do since the beginning.

Explainer

The hybrid finance definition contains elements of both debt and equity, two extremes of the financial spectrum. Trevor Marshall, Current's Chief Technology Officer, discusses the necessity of hybrid financial structures and how they create a connection between traditional and open networks.

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Trevor Marshall.jpg

Trevor Marshall

Chief Technology Officer 

Customers benefit from both the centralised and decentralised networks.
Marshall dissects the benefits of each network in order to demonstrate the enormous potential of integrating them.

Centralised and decentralised networks

Marshall emphasises the importance of trust while highlighting the definition of hybrid finance. 
Hybrid finance is the merging of traditional and open networks in order to provide more reliable service to customers and increase their convenience and accessibility.