# Oversee Pay builds Pakistan remittance app through Alliance Accelerator cohort in New York Neo, a Stabledash show. Aug 24, 2026. Rooshan Aziz. https://live.stabledash.com/shows/neo/episodes/families-send-52b-a-year-to-pakistan-oversee-pay-is-building-nGuO59tvtJE Rooshan Aziz is putting all of Oversee Pay's effort into one corridor, Pakistan, where he says consumers sent $52 billion in the last 12 months. Oversee Pay, a cross-border payments app for the Pakistani diaspora, came to New York as part of the Alliance Accelerator program. Chief executive Rooshan Aziz says the app has been live a little over four months and has close to doubled every month. He is targeting a market where, by his count, $52 billion moved into Pakistan from consumers alone in the last 12 months. ## Why Pakistan Rooshan Aziz points out that Mexico is the second largest remittance receiving country in the world and Pakistan is the third largest. He says the $52 billion in consumer transfers is growing at 15% annually and that none of the top 10 remittance countries is growing as fast. Counting all inflows, he puts the addressable market at $100 billion coming into the country every year. Remittances make up 10% of Pakistan's GDP, Aziz says, so there is pressure from all sides to improve how money arrives. He expects the $52 billion figure to reach about 100 in a few years. ## Depth over breadth Rather than expanding to many countries, Oversee Pay is focused on one corridor. "We're focused on building depth," Aziz says. In his view, "the value is in, like, who is holding money and who is kinda giving you value on top of that." For cards, the company is working with Rain, whose founders Aziz has met several times since arriving in New York. ## Early traction Rooshan Aziz says monthly growth has almost doubled every month since launch, and possibly more. The company has a waitlist four times the size of its user base. It has stayed lean: he says it recently hired about two contractors to support the team. ## Regulation and next goals Aziz says he is now in the UK to meet regulators and lawyers, and that Oversee Pay plans to get regulated in every jurisdiction it receives money from. His growth target is to go from doubling every month to tripling every month. Aziz frames stablecoins as a turning point, saying money is having its Internet moment. His bet with Oversee Pay is that holding funds and adding services in one fast-growing corridor is worth more than wide reach. The next test is whether licensing in sending countries and clearing the waitlist can move growth from doubling to tripling each month. ## Key takeaways 1. Oversee Pay came to New York as part of the Alliance Accelerator program and is working with Rain on its card program. 2. Rooshan Aziz says consumers moved $52 billion into Pakistan in the last 12 months, and that this flow is growing at 15% a year, faster than any other top 10 corridor. 3. The app has been live a little over four months, has close to doubled every month, and has a waitlist four times the size of its user base. ## Chapters - 0:00 Show intro and the New York stablecoin scene - 2:34 From banking and edtech to stablecoins for remittances - 4:53 Pakistan remittances are large and growing faster than peers - 7:22 Depth in one corridor beats going global early - 11:19 Users act as family offices managing money across borders - 16:17 Cultural dynamics of shared family wealth drive the product - 20:40 Build differentiators and compliance in house, buy table stakes - 22:50 Next steps: hiring, clearing the waitlist, UK regulation - 24:35 Alliance cohort and other founders worth featuring ## Transcript **Host** (0:00) Value transfer is nothing new. Hunt, gather, trade, expand. An exchange that's older than instant, where the strongest prevail and the fastest survive. The function remains as its form continues to accelerate forward. **Drew Rogers** (0:46) Hey. Hey, Rishan. What's going on, man? **Rooshan Aziz** (0:49) Hey, guys. So excited to be here. I'm well. Just enjoying the sunny day in New York. **Drew Rogers** (0:54) Let's go. Well, good to hear. I'm sure... I mean, it's been, like, over a 100 degrees the past few days here in California. We've been burning up. My office is fortunately staying okay. Hopefully, it's not too bad there. But how... I mean, bring us into this moment. How is New York? What's it been like with this this building... You know, work with the Alliance Accelerator? And, yeah, maybe give us just your quick background too because, like I said, that... That's what caught my attention. I reached out because I saw your guys' LinkedIn announcement post. So I'd love to hear more of, like, what's this experience been like? What's New York been like? You said you're going back to The UK soon. So, yeah, bring us into the moment. **Rooshan Aziz** (1:33) Yeah. So got us stablecoins, like, late last year. I kinda come to that. But we got here as part of the Alliance Accelerator program, which kinda requires you to come to New York, build a lot of hair. So I got here, like, three months ago without any expectations or any sort of notions of what would happen, but completely blown away by how, like, the community here for stablecoins has come together. So it's been a phenomenal experience. I was speaking with Zach earlier before kinda logging in here. It's like, hey. You got the Knicks happening. You had the World Cup here. And then on top of that, you've got such a thriving stablecoin community. And and what that has meant is, like, a lot of the players that we wanna work with, we... And I can just kinda walk in, like, you know, I think you showed Rain on the on the screen earlier. But, yeah, I met founders of Rain a bunch of times since I've been here. Like, we're working with them on cards. We're working with somebody on stocks, somebody on yield. So, like, all of those things, it's been just a pleasure being here because the community around stablecoins here has been phenomenal. To your question on my background, so, yeah, I am originally from Pakistan, grew up there, went to college in The UK, was in investment banking, global markets for six years. Did like a bunch of things. And then, like, around COVID time, felt like, hey. Like, what what should I do with my life? And felt very strongly about the state of online education in Pakistan where I'm from. So saw my brother and other people in my family, like, when everything went online, there wasn't much, like, resources for them to do something. So me and my friend, we started a company to help people study online. And then, yeah, to your point, like, felt like, hey. Like, my time in finance has been great, I wanna do something, like, you know, where I can have an impact. Did that for, like, six years, and and now the company is still alive and and running and growing, and my co founder is running it. But last year, what really caught my attention was I was at a startup conference, and, like, a bunch of people, different sectors were there. And then I I met this guy from Mexico, and he was like, hey. You know, I'm working on stablecoin. This is super interesting. And my background is I come from, like, traditional finance. I had no idea how, like, crypto works. And I just spoke to this guy. I like, it's super interesting. You're from Mexico. I'm from, like, Pakistan. Similar sort of challenges. You know, like, there's a huge demand for dollars, like, lot of remittances. So Mexico is the second largest remittance receiving country in the world. Pakistan is the third largest. So you... Wow. So there's a lot of interesting parallels. And I was like, oh, wow. So that just caught me, like, thinking about, like, oh, what is this interesting trend? It took me a while to get my head around it. And then once I got it, I was like, I couldn't stop thinking about it. I was like, oh, wow. Like, they... Like, in, like... As someone who's worked in markets before, like like, working with huge companies, what you realize that within even a huge bank, moving money from one account to the other, from across even borders, it's it's so difficult. Like, you would imagine, hey, it's just one bank. They can kind of move money across different countries, but that's not the case. So when I saw how Zipcoins actually does it under the hood, I was like, okay. Like, guys, money is having its Internet moment. You really, really need to be like, you know, how can I be part of it? Because this is a problem I face in Pakistan when, you know, I was receiving any money from abroad, or when I was living in London before that, I was sending money back to family. So it was a huge pain point. So that really got me thinking. I was like, okay, this is really gonna change how things work, and that's what's been a huge stablecoin enthusiast since. **Host** (4:53) When you think about the size of this market, you mentioned... I didn't know this. Pakistan's the third the third largest receiver of remittances globally. Is that is that right? Yeah. What is the kind of number... What what are the numbers in the the addressable market around this as you're framing probably what you've been doing the last few weeks, like framing this opportunity to investors, potential supporters of the business. What is that kind of... If there was a total addressable market slide in the early part of that deck, like, what what does that look like? **Rooshan Aziz** (5:24) $52,000,000,000 were moved in the last twelve months into Pakistan from just consumers. This is, like, people who are sending money back to family. And then you have another, you know, $67,000,000,000 on top probably of, you know, people who live in Pakistan, but kinda, you know, are getting... Individuals getting paid. And you have another, let's say, another 40,000,000,000 on top of businesses that are receiving dollars from abroad. So the whole... In terms of the addressable market, there are $100,000,000,000 of dollars coming to the country every year. Kind of zooming in on the 52,000,000,000, it's growing at 15% annually. And if you take out any top 10 remittance or consumertransfercom... Countries in the world, like, none of them are growing as fast. India is number one, so they're, like, they're, like, $120,000,000,000. Mexico is at 65 to 70 something on that ballpark. But they're... Because... And as as a function of their demographic, they're kind of staying at the level or they're growing not as fast, but Pakistan because it has one of the youngest populations in the world. We're seeing a lot of young people going out doing things and, you know, sending money back home. So we're seeing this huge growth. And it's kind of like in the last years because a lot of people... Like, the median age is like 23 right now. So a lot of people are coming to... Of age. So they're going getting jobs in The US, in in Europe, in The Middle East. So they're sending money back. So the opportunity is that actually, like, it's growing so fast. So, like, 52 is what it's today, but it's probably gonna be, like, 100 in a in a few years. Secondly, like, it's 10% of the GDP. So so there's a huge sort of push to kinda how can we make it better, like, from all sides. It's such a huge part of the country's GDP and how the country runs. So that really made me feel like the problem itself is there's so many layers and angles to it, and there's a huge push for it to become better. So that just made it quite of a no brainer there. **Drew Rogers** (7:22) When you think about your go to market plan, how how much of this is focused on Pakistan, and how much of this, you know, gets interwoven into, like, the global emerging market trend of of stablecoins? Because I I actually... You know, we've talked with Alvin from BitgetWallet, and Pakistan was one of the markets that he called out that, you know, they're seeing quite a few users in. But we've kinda seen these two two sides of the barbell here. We've seen people building global first. We kinda want... We wanna serve and support a 150 countries, and they're kinda agnostic into which country they're focusing on. And we've seen some on the other side that say, hey. Actually, like, we think we can build a successful market doing one country really well. Where would you land on the barbell? **Rooshan Aziz** (8:05) I think definitely we're super ambitious. So we wanna kinda, you know, maybe in the long run, get like a bunch of other countries. But in the in the medium term, we're quite focused on just one. And we're focused on building depth. And the reason for that is two things. Firstly, like, a lot of the global businesses that are being built out with with the stablecoin thesis, they... At least to start off with, a lot of it is for people who are, like, super crypto savvy, who are, like, financially savvy, like, hey, like, I wanna I wanna keep my, you know, stablecoin or bitcoin in, like, in in this wallet. I wanna spend with it. But what we see is, hey. Like, these are great rails, and a lot of people who are using it, they may even not realize that they're using, like, stablecoin rails without, you know... And for them, they just wanna solve a problem. And and that's where we come from, that's where my thesis is that actually, because of the regulation now, it's purely regulated. So it's completely, like, okay for the widespread people to use it. So then it opens up a new market of people who are like, hey. Is this solving a problem for me? Is it making it faster and cheaper? And what it does is it it allows... It gives you a foundation to build out a very interesting business on top where you now see a lot of people living in two worlds. Like, hey. Like, I... For example, you mentioned, like, I live in London, but, like, most of my family is in Pakistan. So I'm doing a lot of back and forth. So I want to be able to manage my finances in both the worlds in a in a more interoperable way, which is now possible because everybody's on one ledger. I think Yeah. That's like that's like the thing. Right? And same for, like, someone living in Pakistan who's maybe, like, earning from a US company, which is very common. It's like, hey. They wanna be able to kinda travel the world, do things with their money which their their local bank may not be able to give them before. So I think our thesis is that focusing on one market is important, especially because what you're also seeing is, like, you know, this morning, you know, a bunch of stablecoin, like, headlines, like, took center stage. Is a lot of the money transmission will over time kinda get somewhat commoditized or super competitive. So then the value is in, like, who is holding money and who is kinda giving you value on top of that. And the way to do that is that for every market, off ramps are different. For every market, the value additive services are different. So, like, you know, in in some emerging market countries, people really like loyalty programs or, like, you know, partnerships. That's maybe not the case in The UK. Very different sort of, you know, economics behind it. So having that sort of a focus on on on on a corridor, which is as large as the one we're targeting, requires, like, a lot of focus initially. And, obviously, once you are able to kinda get significant market share, you can kind of go around it. So the go to market for us, to your earlier question, is, hey. How do we go into one market on both sides, centers and receivers? We we work with someone sending it from The UK or The US to Pakistan, and someone in Pakistan is receiving there. Bring both of them on chain, and that kind of brings out a lot of network effects. That opens a lot of possibilities in terms of the services they could access. And that also gives us a good moat, like like... Because we're spending a lot of time on ground understanding, okay, what are the needs, what are the regulations behind it. With someone, let's say, if you're targeting 50 countries in one go, it might be a bit tricky. **Drew Rogers** (11:18) Yeah. What's your experience been like bringing this product to life? I imagine you have friends and family back home, you said, in Pakistan. Have they gotten their hands on the app, and have there been any just, like, moments where they're like, this is... You know, we know that these apps are solving problems, but I feel like it has a lot more impact when it happens to somebody more close to home, maybe a friend or family member. Or or we hear the, you know, making the app so easy, your grandma or your mom could use it. Like, does your grandma use Oversee Pay? And is she just like, this is this is the best thing I've ever used? What what's the truth about better be seeing this product come to life. Yeah. **Rooshan Aziz** (11:55) I mean, think we've had a lot of moments like that, mostly with my peers and my friends. So a good friend of mine is in London. Like, you know, he's he's sending money back home, and and I think he was one of our early customers, and now he messaged me the other day. He's like, hey. I need two more things. I need to be able to firstly... Because he's kind of sending... He's like managing a lot of things back home. He's like, hey. I want a pot that I could invest money in, and the returns from that pot, the equities or something else, I wanna kinda use that money to send back home. So you have these interesting problems people are coming with, and it's like, can you just bring on equities or, like, a a unique product on the on the app? Or or someone else has come to me and is like, hey. I wanna get my parents, like, health insurance. And and, you know, obviously, like, if you can be the distributor for that, that would be awesome. So, yeah, a lot of close friends and family are coming and and are like, hey. Like, how can we use the product and kind of, you know, get to this point where we are? And I think that's been a great experience for me. Like, for example, I myself now use it. Like, we've got a card that, like, I'm all over New York tapping it everywhere. But I think that's been, like, quite a quite a good feeling to have, like, close friends and family use it to... Like, with their hard earned money. And not just use it... Come to me and be like, hey. I love this, but can I also get that? And I think that feedback loop is, I think, something that we wanna kinda sustain and kinda get it to the next level. And, yeah, I think the other thing is, yes, having, like, your grandmother or, like, somebody, like, who is not super crypto savvy use it, that's, like, definitely our ambition because you wanna extract all the complexity. Right? If you open the app today, you go through it, it will feel like any other app. But in the back end, you've got super regulated stablecoin infrastructure that allows you to do things that were unthinkable for people. Like, especially, like, what we've been interested in seeing is, like, people... Like, their family members spread across different geographies. One is in Pakistan, one's in Canada, one's in, like, The UK. They're now all able to kind of manage their finances in a way which was unthinkable before. Right? Because previously, either all of them Mhmm. Were on one platform, like... And and and, you know, it was still not as seamless. So that's super interesting for us, and they're thinking of, like, how can you pull money together, do investments together? A lot of interesting things out of that. **Host** (14:07) That's really, really interesting. The the idea of, like, the the structure in my head that is often very common, at least in The US from what I've seen, is a similar type of like management infrastructure, but between parents and children, where the parents will like help set up wealth accounts. Like you sit... You're seeing Trump accounts and all the stuff of, like, parents to child. It's a very similar type of, like, business model or structure from what it looks like, just pointing from child to parent who are maybe older or, Yes. Are you seeing that... Is that trend because, you know, folks around the world who might be traveling out of their home country, like Pakistan, are working in these high high income markets, and then their families actually will start to rely on them for like as a primary source of income, and then that person actually kind of becomes the little like family office like function in the family. Is that what is typically happening? **Rooshan Aziz** (15:04) 100%. That's exactly what we're seeing is that people... You know, like people who are like doing great jobs in Silicon Valley or working, you know, in in high finance or something like that. They they... Exactly. They're like the family office, you know, managing investments on behalf of their siblings or parents or they're kinda sending, like, money back. So you have these interesting things happening. Or, like, historically, what would happen is, like, let's say one sibling is working in New York and one is in, let's say, Pakistan, and the one in Pakistan is like, hey. I wanna get, like, a Tesla or, like, a SpaceX stock. So So then they would kind of figure out a way how to kind of net it out. But, like, with with stablecoins, you can kind of bring everybody on one platform, and they can do a lot of these things together if they want. So that's super interesting. And, yeah, also, people wanna be able to manage, like, especially as as their parents get older, like, hey. How can I make sure that they get the best health care? How can I make sure that, you know, I can pay any provider on their behalf? So you have these very interesting sort of use cases are coming out, and which are, like, very, very, like, significant pain points. Right? So so there is no compromise in terms of the quality and the reliability of the service, which makes, you know, obviously, huge responsibility for us. But the family office sort of parallel is is very spot on. **Host** (16:17) Yeah. It's it's... How do you think about building for this person? So I'm imagining this person's in their twenties, thirties, forties, they're in like like a high earning bucket, like her age group. I have not heard about the... Like, idea of purchasing stocks or helping... Or I'll give you I'll give an example maybe on on how this gets personal for me. So my my grandfather just passed away. My mom is now inheriting assets from my grandpa. And my mom is not like, you know, if we were to put ourselves side by side, like, I would be in a better position to probably take action or help manage where that money goes in the markets. Like, typically, my mom is going... Or what she'll probably do is, like, these people are gonna go work with a broker or work with some, like, traditional firm who then provides that financial advisory. Even in The US for this use case, I can see that use case becoming more common where if platforms lean into this idea of like, hey, parent, you might be actually sitting on a lot of this capital or be, like, the ones who custody it or are in control of it, but you actually trust your younger, more in the markets son or daughter and building a platform where the parents can perhaps keep custody, but then you kind of delegate. Are you sort of seeing these trends start to happen tonight? It's almost like ordinal. It's almost like I can send you a post. You're the block of approval. We do this for social media content. **Drew Rogers** (17:51) Yeah. This is Yeah. I I send him posts. He he is... You know, it's scheduled to go out, but he has to approve it first. I'm like Yes. You approve. Send trades over to this thing. Exactly **Host** (18:03) how big wealth management works with signing and consensus. It's like a very similar use case. **Rooshan Aziz** (18:09) No. Definitely. I think a lot of interesting things that we're seeing is... Also, you gotta kinda take a step back to understand a lot of how this works. So, like, one use case you rightly said, that's one thing. But the other thing is, like, let's say if somebody's sending their kid to college in The US, like, I think a lot of times people in Pakistan, they're like, hey, we're gonna send our kid to, like, some really top notch college. But maybe, like, you know, the cost of that is really high. So there's this expectation, like, you know, that's like there's an ROI on that as well. So, like, you know, he or she is gonna kinda help us out. So you have this interesting sort of situation where they are also like, hey. I wanna kinda contribute to the family part so that we as a family build more wealth. So you have these interesting dynamics where, like, hey. They're also managing it, but they're also kinda actively contributing to it. So when they actively contribute to it, what does it mean? Like, it means like, hey, like, can I buy a house for my family, like, which is bigger than it is right now, so that, you know, when I visit, there's more space? So like, hey, can I get a joint mortgage? Or like, you know, stuff like that, which is... Or like if my sibling, you know, like, say I was the elder sibling, and it was it was a decision that my parents were like, hey, we're gonna pay for for their college, and now they're gonna help us kinda support other kids. So you have these very, very specific cultural dynamics that also play out, and and and that kinda leads into the whole wealth management aspect because they all kind of view their wealth as, like, one and how can we kind of distribute it across or, like, get get dividends across the family. So I think historically, because everything was on different platforms or, like, it was very difficult to to send money at the best possible rate, especially when the amounts start getting bigger. And and and that is definitely our our objective is, like, as the world gets more global, how do you kind of build a more global financial system? And and for... And and this is super personal to me because, you know, like, I've now kind of been back and forth, and, like, having to send money and receive money and kind of managing in different countries is is a huge... Has been a huge hassle. And oftentimes, yes, I'm receiving something from my parents, or sometimes I'm billing. So you have this whole thing going on. And on a more broader level, what we are seeing is that, you know, the system, like the fiat system, was built for a world that... Where primarily the economic and the population was concentrated either in Europe or was concentrated in The US. But now if you see the global sort of demographic, most of it will come from Africa or Asia. So the financial system has to be ready for that. And what stablecoins does is it gives you the ability to kind of build first for that world and kind of make it more inclusive. So it doesn't really matter if one member is on the other control or the other. So so that's really what we're seeing. **Drew Rogers** (20:40) Rajan, let me know, I know you mentioned earlier, like, it's super easy for you to meet people like Rain who, funny enough, were actually, you'll probably see Just us when we saw Rain just join the green room. Yeah. What... What's the approach been like, and how are you thinking through... How much are you building in house with this with this type of product, especially from ground zero? Normally, we start with founders that are maybe six to twelve months into the journey. You're just going, you know, live with the product versus, you know, working with, like, partners like like Rain. Is it more... Or the focus right now is, hey. We just gotta get the product together, get it live, and and we're not gonna go as deep as we normally do into this just because of time. But are there any areas right now where, like, even though we're early, we're building this in house that's a nonnegotiable? **Rooshan Aziz** (21:24) Great question. So I think we've been live for about a little over four months. We've almost doubled every month. I think even more than that. Like, it's been a, like, a crazy journey. And, Drain, yeah, we worked with them. It was it was a pleasure working with the team there. In terms of what are we doing in house, what are we not, I think a a very good heuristic for me is how much of it is... Kinda differentiates us versus how much of it just kinda is like table stakes. So for example, like, some things like a card program and not getting table stakes, you just obviously find the best provider, and you kinda be like, hey, this is what it's gonna be. But something on more like, hey. What is my last mile gonna be like? What is my off ramp gonna be like? What is... What are my value added services gonna be like? You know, I think that's where the differentiation, the regulation for every tool gets different, so we really wanna lead into that. And secondly is the compliance aspect of it, because we're we're dealing with very different sort of markets like... So then, sure, you use some of the off the shelf tools for The US or Europe, but for the last mile, you need to kinda build out a muscle yourself as to like, hey. Here here is the receiver. What do we need for them? How do we kinda connect them to the world? So I think that's something we're not compromising on on the compliance phase. **Drew Rogers** (22:33) Has I'm gonna hold my tongue, Zach. No. No. That has been a... That is a recurring compliance. Compliance, compliance, compliance. Like, that is almost a nonnegotiable. If somebody didn't build it in house, they wish they did, or they're they're they're building it in house. **Host** (22:48) Just see the Microsoft meme. **Drew Rogers** (22:50) Compliance compliance compliance. But, yeah, what... What's what's next though? You know, alliance is coming to an end. Like I said, you're going back to The UK. What's on your, like, go to market agenda right now? Where do we go from here? So first, yeah, I think we're we're just a team of, **Rooshan Aziz** (23:06) you know, just like me and my cofounder, and we just hired, like, I think, like, two contractors to support us. So we've been, like, super lean. So we just wanna hire more because to give you a sense, we have, like, a wait list four times the size of our user base. So I think that's now the problem. We're like, hey. How do we onboard these people and how do we service them? And so first, you wanna make sure that instead of kinda getting new new users, we kinda get the people in our pipeline too. That's number one. Order number one. And number two is that I'm now in The UK, and I'm gonna meeting the regulators and and lawyers. We're gonna get ourselves regulated in each and every jurisdiction that we are kind of getting money from so that that gives us another moat, our ability to be, you know, super forthcoming with how, you know, we can... The partners we can work with, the people we can onboard. And generally, like, it just gives... Like, especially the world is now transitioning away from here. Crypto is a gray area to, like, hey, this is how we regulate it. And we wanna be at the forefront of that because that just gives us more flexibility even in the long run when we're like, hey. I wanna enter x y z similar market, you know, because they have similar dynamics. And, hey. The sending market covered. We just... We can just go there and replicate it. And also, like, even in Pakistan, what we're seeing is, like, they really want people to be regulated in the relevant jurisdiction that are sending money from it. So for us, that... We really wanna get that across the board. And already, obviously, the growth that we're seeing is just phenomenal. And we just wanna kinda make sure that we go from doubling every month to tripling every month. Yeah. Awesome. Awesome. **Host** (24:35) Ruchan, we will continue to follow the journey here, and thanks for bringing us into it. Congrats on closing out Alliance. We've been really grateful to meet a handful of other cohort members of that crew lately. That group just seems to attract some really, really interesting builders in this layer and and building some really cool stuff. Actually, how many how many teams are going through that? Like around a dozen or so, you said? I think around 15 or so. Yeah. 15 companies. Per cohort go through Yeah. They do that cohorts. **Rooshan Aziz** (25:10) How often is it? I think it's three times a year. Okay. Is there anybody else from your cohort that you think we should have on the show? That's a great question. I don't wanna name names because then I'll miss out on somebody, but there are, some really cool stuff happening out of Africa. So you've got Boldring, you've got Tumi, you've got FluidKey. I think in terms of stablecoin, those three are, like, buildings, new banks for very different use cases. So you should definitely gonna see one of those three guys. And other than that, I think other people are building, but I think more other crypto stuff, not Stablecoins. **Drew Rogers** (25:43) Well, we like to cover the whole breadth of modern money. So if anybody pops up post show, shoot me a shoot me a message on on LinkedIn, and we'd love to get them on. **Rooshan Aziz** (25:53) For sure. I mean, people are doing some really interesting corridors, and, like, some very interesting things are coming out. So we'll we'll also send you a message. You can get in touch with them. Right on. Sounds great, Sean. Thanks for thanks for coming on. Thanks for having me, Have a good one. Cheers.