Stani Kulechov, Kartik Talwar

ETHGlobal · May 9, 2026

In this fireside chat, Kartik Talwar interviews Stani Kulechov, founder and CEO of Aave, about the vision behind Aave V4 and the future of DeFi as infrastructure for global credit. Stani explains that V4 introduces a modular hub-and-spoke architecture where liquidity is stored in central hubs that allocate credit lines to customizable spokes — enabling anyone to build new lending models (native Bitcoin collateral, debt trading, fixed lending) while tapping into Aave's existing liquidity pool rather than bootstrapping from scratch. Stani outlines three waves of new collateral entering DeFi: tokenized real-world assets, yield-bearing stablecoins, and data-backed credit facilities for consumers, businesses, and institutions. He discusses the Aave App's fintech-like mobile experience that fully abstracts away wallets, gas, and networks, and reflects on why Ethereum remains the strongest chain for DeFi due to tooling, security community, and liquidity network effects. Looking ahead, he frames the institutional transition as a decade-long journey of replacing financial backend infrastructure dating back to the 1970s, with DeFi serving as the efficient capital allocation layer for all future credit. 00:00 Introduction 00:10 Welcome and Aave V4 Context 00:40 Why V4 Took Two Years to Build 02:10 DeFi as a Backbone for All Future Credit 03:43 V4 Architecture: Hub-and-Spoke Model 04:48 Custom Spokes: Bitcoin Collateral, Debt Trading, Fixed Lending 05:59 Unified Liquidity Access for New DeFi Projects 07:31 New Collateral Types: RWAs, Yield Stablecoins, and Data 08:32 Risk Premiums and Collateral-Based Pricing 09:45 Institutional Requirements and Permissionless Infrastructure 11:11 BlackRock on Ethereum: A Turning Point 12:04 Aave App: Fintech-Like Mobile DeFi Experience 13:35 Building DeFi for Everyone 14:19 Staying Motivated Through Market Cycles 15:35 Why Now Is the Best Time to Build 16:57 Why DeFi Stays on Ethereum 18:36 Five-Year Prediction: A Decade-Long Institutional Transition 20:41 Closing _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 🇫🇷 *Pragma Cannes 2026* Pragma Cannes 2026 was held on April 2nd at the JW Marriott Hotel in Cannes, France and was an in-person summit for builders and leaders in the web3 ecosystem. Watch the full Pragma Cannes 2026 YouTube Playlist here: https://www.youtube.com/playlist?list=PLXzKMXK2aHh5OnsJ95gz7HoI1tLUj3kZr ETHGlobal's Pragma series takes place in cities around the world, and is designed to be a different kind of event. Pragma is a one-stage conference with founders-only on stage, bringing together a small group of curated attendees and speakers to discuss the future of web3 and reflect on the past. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ✅ Follow Stani Kulechov X: https://x.com/StaniKulechov ✅ Follow Aave X: https://x.com/Aave ✅ Follow Kartik Talwar X: https://x.com/TheRealKartik ✅ Follow ETHGlobal X: https://x.com/ETHGlobal​ Warpcast: https://warpcast.com/ethglobal Website: https://ethglobal.com YouTube: https://www.youtube.com/@UCfF9ZO8Ug4xk_AJd4aeT5HA _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Are you interested in Ethereum development and entrepreneurship? 👉 Sign up for the next ETHGlobal event: https://ethglobal.com/events 🎁 Get exclusive access and perks with ETHGlobal Plus! https://ethglobal.com/plus 📣 Want us to throw an event in your city? Tell us where! https://ethglobal.com/city

ETHGlobal · Oct 9, 2025

Explore how Web3 can achieve mainstream adoption through native mobile experiences with Denisse Halm, founder at Mobile Stack and Valora. Discover the critical gaps limiting Web3 growth, the vast potential of global smartphone usage, and the necessity for user-centric mobile applications. Learn how Mobile Stack simplifies creating engaging, secure, and accessible Web3 apps, facilitating adoption beyond current crypto users. Featuring insights into app development, UX considerations, and consumer-focused innovations. 00:00 Intro: Making Web3 Mobile for Everyone 00:51 About Denisse Halm, Valora & Mobile Stack 01:35 Global Smartphone Adoption Trends 02:13 Crypto Ownership vs Actual Web3 Usage 03:40 Web2 UX Expectations vs Web3 Reality 04:14 Complex Web3 User Journeys Explained 05:30 Importance of Seamless User Experience 06:55 Infrastructure Exists, but Who Uses It? 07:29 Major Web3 Projects Going Mobile 08:14 Gap Analysis: Mobile Web3 Experiences 08:52 Opportunities for Mass Crypto Adoption 09:37 Challenges of Building Mobile Web3 Apps 10:47 UX & Security Trade-offs in Mobile Apps 11:24 Key User Journeys in Web3 Products 12:05 Increasing Consumer Confidence in Web3 12:42 Introducing Mobile Stack Platform 13:21 Demo: Hypothetical Curve Mobile App 13:56 Customizable Branding & UX in Apps 14:33 Single-App Web3 User Experience Explained 15:10 Mobile Stack Features & Integrations 16:18 Key Plugins for Enhanced User Experience 17:22 Mobile-First Strategies for Global Users 18:03 Case Study: SheFi’s Web3 Education App 19:22 Conclusion & How to Connect _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 🇺🇸 *Pragma San Francisco* Pragma San Francisco 2024 was a special gathering of founders and builders that took place October 16th and 17th at The Contemporary Jewish Museum in San Francisco, CA. Pragma San Francisco 2024 was an opportunity discuss the future of web3 and reflect on the past. Watch the full Pragma San Francisco playlist here: https://youtube.com/playlist?list=PLXzKMXK2aHh4LcwDpGf_itZrAu7XRNb07&si=3x3y9J3avgNTITUe ETHGlobal's Pragma series takes place in cities around the world, and is designed to be a different kind of event. Pragma is a one-stage conference with founders-only on stage, bringing together a small group of curated attendees and speakers to discuss the future of web3 and reflect on the past. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ✅ *Follow Denisse Halm* X: https://x.com/hola_denisse ✅ *Follow Valora* X: https://x.com/valora ✅ *Follow ETHGlobal* X: https://x.com/ETHGlobal​ Warpcast: https://warpcast.com/ethglobal Website: https://ethglobal.com YouTube: https://www.youtube.com/c/ETHGlobal _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _Are you interested in Ethereum development and entrepreneurship?_ 👉 Sign up for the next ETHGlobal event: https://ethglobal.com/events 🎁 Get exclusive access and perks with ETHGlobal Plus! https://ethglobal.com/plus 📣 Want us to throw an event in your city? Tell us where! https://ethglobal.com/city _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

ETHGlobal · Oct 9, 2025

Learn how to verify identities onchain using Self SDK in this ETHGlobal Cannes 2025 workshop with Remi Colin. Discover how to generate ZK proofs for age verification, nationality checks, and sanctions compliance without revealing sensitive data. This tutorial covers Self's biometric passport integration, mobile app flow, and SDK implementation for both onchain (smart contracts) and offchain (backend) verification. Includes live demos, bounty details ($10K prize pool), and developer tools for privacy-preserving identity solutions. 00:00 - Introduction to Self: ZK Proofs for Identity Verification 00:52 - Workshop Agenda: Protocol Context, Bounties & Hands-On Demo 01:33 - Problems with Traditional KYC (Privacy, Security, UX) 02:15 - Decentralized Identity Alternatives & Limitations 03:41 - Self's Solution: Biometric Passports + ZK Proofs 04:28 - Supported Attributes (Age, Nationality, Sanctions) 05:53 - Self Mobile App Flow: Registration & Disclosure 07:04 - Global Coverage & Document Support (map.self.xyz) 08:07 - Demo: Mock Identity Generation (Developer Mode) 09:22 - Proof Generation & Verification Architecture 10:51 - SDK Integration (QR Codes, Deep Links, Smart Contracts) 12:08 - Hackathon Bounties: $10K for Onchain/Offchain Apps 13:36 - Workshop Repo Walkthrough (Next.js + Solidity) 15:04 - Frontend Setup & Endpoint Configuration 16:38 - Demo: Mock Identity Proof Generation 18:31 - Customizing Disclosure Attributes (Age, Nationality) 20:48 - Backend Verification Logic (API Endpoints) 23:13 - SDK Parameters (Scope, Endpoint Types, User ID) 25:33 - Smart Contract Verification Setup 27:26 - Deploying Verification Contracts (Foundry/Hardhat) 29:57 - Scope Generation Tool (tools.self.xyz) 31:22 - Privacy Features: Proof Unlinkability 34:12 - Onchain Verification Demo (Contract Interaction) 37:36 - Reading Verified Attributes from Smart Contracts 40:51 - SDK Summary (Frontend, Backend, Mobile Coming Soon) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 🇫🇷 *ETHGlobal Cannes* This workshop is specifically for ETHGlobal Cannes, a 3-day hackathon held July 4-6, bringing together the most skilled web3 developers, designers and product builders from all around the globe for a weekend-long adventure to advance the Ethereum ecosystem! Watch the full ETHGlobal Cannes 2025 playlist here: https://youtube.com/playlist?list=PLXzKMXK2aHh5N2DCwhcEshNW9C8knZ1T-&si=1dGpCcY1vvompWPr _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ✅ *Follow Self* X: https://x.com/selfprotocol ✅ *Follow ETHGlobal* X: https://x.com/ETHGlobal​ Warpcast: https://warpcast.com/ethglobal Website: https://ethglobal.com YouTube: https://www.youtube.com/c/ETHGlobal _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _Are you interested in Ethereum development and entrepreneurship?_ 👉 Sign up for the next ETHGlobal event: https://ethglobal.com/events 🎁 Get exclusive access and perks with ETHGlobal Plus! https://ethglobal.com/plus 📣 Want us to throw an event in your city? Tell us where! https://ethglobal.com/city _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Stable Summit · Jul 11, 2024

Kenote by Valora This video features Laura Suttie from the Valora product team discussing the challenges of user experience (UX) in the crypto space, particularly for new users. She highlights the complexity of interacting with decentralized apps (dApps) on mobile devices, noting that although a significant portion of dApp traffic comes from mobile users, very few dApps offer a mobile app. Laura emphasizes Valora's commitment to simplifying the UX by focusing on mobile solutions and showcases a feature that allows users to easily earn on stablecoins within their app. She encourages developers to utilize Valora's mobile stack for creating better UX and invites viewers to connect with the team for further collaboration in improving Web3 experiences.

Swarm · Jun 20, 2024

In order to participate in the Swarm network there is a high entry barrier. To help the adoption of Swarm, the capabilities of a light node can be built into a mobile application. This video features Balint Ujvari introducing a new mobile application feature for SolarPunk, known as Swarm Lightnode. Balint provides insight into the motivation behind creating a user-friendly mobile app that simplifies the process of running a Swarm node, which traditionally requires technical configuration. The app aims to be easily downloadable, installable, and configurable with a simple UI on both Android and iOS platforms. The minimum requirement for the app is to enable uploading and downloading data from the Swarm network. Balint discusses his experience with updating and refactoring an original implementation, addressing networking issues on Android devices by manually updating certain packages. He also mentions cross-compatibility with desktop applications and the potential for compiling the app to Wasm for web browser use. For developers, Balint outlines the steps needed to compile and install the app using Android SDK and environment variables, along with enabling installation from unknown sources on Android devices. He suggests Optaneum as a user-friendly solution for automatically downloading updates. The video includes a demonstration of configuring and using the app, showcasing its ease of use, error handling capabilities, and how it manages peer connections and wallet data. Balint concludes by offering to show the working proof of concept in person and invites further discussion on it.

Nader Dabit

Ethereum Denver · Oct 9, 2023

The Act of Building In this captivating talk, Nader Dabit, the Director of Devrel for AAVE companies and Lens Protocol protocol, as well as the founder of Developer Now, dives into the fascinating world of "The Active Building." Join us as we explore his inspiring career pivot and delve into his passion for working on groundbreaking projects. Throughout the video, Nader will shed light on the challenges faced when building in this space. From scalability to security, UX to accessibility, and civil resistance - these are just a few of the hurdles that developers encounter. Stay tuned as he unveils various protocols that have emerged in recent years to tackle these very challenges head-on. But that's not all! Brace yourself for an exciting live cutting demo where Nader showcases how to build a mobile app using one of their SDKs. Get ready to witness firsthand how innovation meets practicality. Don't miss out on this enlightening discussion about "The Active Building" and gain valuable insights from an industry expert. #ActiveBuilding #DeveloperInsights @naderdabit Director of Developer Relations Aave Companies Nader is the Director of Developer Relations at Aave Companies, focused on Aave and Lens Protocols. He’s been working as a software engineer and developer advocate for over ten years in different capacities, including over three years at AWS and two years in the blockchain space. https://twitter.com/dabit3