In this episode of Lykken on Lending, we sit down with Pavan Agarwal, CEO of Angel AI, for a high-impact conversation on how artificial intelligence and blockchain are not just disrupting—but redefining—the mortgage industry. Broadcasting from Washington, D.C., Pavan shares insights from his recent visit to Capitol Hill, where he helped shape national conversations around crypto regulation and responsible AI innovation. From the transparent launch of the Angel AI token to real-world housing solutions powered by blockchain, this episode explores how tech, policy, and purpose are converging to transform the future of homeownership in America.
[David] Welcome everybody to another Pavan podcast. We called the look at the lending podcast, but I’m having them on enough because we have really important updates. There’s so much going on in the world of AI and crypto. Pavan is the tip of the spear of much of what is happening. We’re very fortunate to have a very close working relationship with Pavan, and I’m excited to have you join the microphone again, Pavan.
[Pavan] Hey David. Always fun to be here with you.
[David] Always enjoy it. And you’re in DC We’re catching you around the world. Different places around the world when you travel, you are the world traveller, your frequent traveler miles. Your bank must be just overflowing. But it’s wonderful to have you on. Thanks for being here. And listeners, yes, you’re gonna see some lightning in the background. He’s in DC with lightning flashing and a thunderstorm backing.
[Pavan] Yeah. Lightning a thunderstorm. I caused it on DC. I say Congress, get to work.
[David] You did have a major event there that I’m really excited to get going, but I wanna say thank you for introducing me to Lee Bratcher, who is the president and founder of the Texas Blockchain Council. He moderated the event that you’re going, that you just had there, and I wanna talk about that. But you’ve had a major event happen that’s very exciting. It is the token. And I want to just give our listeners an update of why this is so significant. The Angel AI token.
[Pavan] Yes. The, it’s a never been done in the industry before, so that’s number one. And it’s not a meme coin not a pump and dump scheme or whatever, anything like that. A lot of those out there, we did it everything the right way. So we’re treating the token like as if it was SEC over as if it had SEC oversight, like a publicly traded company. So obviously the rules on utility tokens are, there are basically no rules and you can do whatever you want, but we wanted to set the stage, it’s set the standard to say, Hey, this is the right way to do it. Okay. Therefore we release a token with full disclosure complete transparency on who, who’s behind the tokens, how they work, what the financials behind the tokens, everything was in detail, and exactly what the utility is and how it’s gonna be used and so forth. And we’ll let the market decide what it wants to do with it. And it went out at a very tiny market cap, just under a million, million dollars. It we had some day traders pump it up to up, up to $10 million, and I think it’s down to four right now. I think there’s some.
[David] But the four x returns from the opening. Wow.
[Pavan] Yeah. And this is all the drama that happened within two weeks, and that happens in the Tokyo’s, a lot of day traders out there. We don’t know who they are. We don’t, it’s like the thing about. Blockchains is, yes, there’s a lot of transparency, but you never get to see who’s behind the wallets. But when you look at, but you can see what the wallets are and what they’re connected to. And so number one is that these are, they have a pattern of day trading, other tokens and so forth. They’re just actors in the game. They do their thing. And we knew that this could happen and this would happen when you have a token release that people will come in and will buy up early and then sell into the long-term buyers. That’s expected. It’s okay, right?
[David] Yeah. The reality is that it’s successful. Yes. Successful there was dump bottom line of this has been a very successful launch because you took the time to do it.
[Pavan] And I think once the day traders are out, because I think they’re gonna dump, what we’re seeing is they’re dumping their, the guys who timed it just right and bought just as it was an, as it was launched. They drove the price up and now there’s, they’re taking the profits out, the profit takers, and they’ll be out of the game and then it’ll continue. Rise. And we expected this sort of, bounce around like this.
[David] Yeah. Especially at the, on the early days. Yes. But then it’ll stabilize it.
[Pavan] Yeah, it’ll stabilize because the utilities real because we’re creating wallets all the time. And when you have, when people, when we create wallets and people are buying tokens in the process of creating the wallets, and that’s just happening constantly. In fact, it’s so funny. Today I was in the Senate banking committee. Hearing, I went to the Senate Banking Committee hearing was if you the broadcast and I was sitting right behind the witnesses and my my ugly smile and Angel AI cap was there, I was invited to the hearing by senator Senator Loomis from Wyoming. And it was, it’s a little bit of fireworks. Little of fireworks. There’s a lot of drama associated with this. But the point is that, crypto regulations, I think sensible crypto regulations are gonna get through the Democrat. I’m actually glad that crypto regulations are happening at a point where there’s an administration. That’s saying, Hey, this needs to get done right. And at the same time, when they have just barely enough control of the Senate and the house, because you this is not a reconciliation bill, so it needs 60 votes in the Senate, right? That means you gotta get, whatever, eight, eight senators to swing over. So this, these bills cannot get through without bipartisan support. It was great to be there and it’s great to the, first of all the what do you call the aids of various senators from these different senator’s offices actually came to he conference yesterday.
[David] Oh, really?
[Pavan] Yeah. Senator Haggerty, Senator to Scott and Scott Turner were scheduled to be at the conference, but due to scheduling conflicts they couldn’t make it in. And we got, we had profuse apologies from their team but we did have many aides there. And as anyone who does anything in DC it’s the aides that get everything done. It’s the Yeah. It’s the aides who need to hear this, not the senators. And they’re the ones, they’re the gatekeepers. They’re the ones who actually write and draft everything and get everything done and prepare everything for the senator to say, yes, I wanna do this. So we were very pleased that the staff from this different, from different congressman’s offices, the senator’s offices were at the event and listened to our perspective about decentralized, about innovation first policies and exactly how how, our vision of this is to go forward and we had speakers, we had two dozen speakers there from across the spectrum, across the industry. We had the ambassador from El Salvador from the ambassador from a small but very wealthy country in in Africa of. The Ambassador Lesotho, which actually I have to Google to say where is Lesotho? And the ambassador told me a funny story is that, when Trump announced the tariffs, he put, Lesotho had the highest tariff at 15%. And he said most of America had to Google where is Lesotho. And Lesotho is a very rich country, in inside South Africa, a little kingdom. It’s like Monaco. Think of it as the Monaco of Africa. Okay. And they’re rich of natural resources and then they manage their, it’s a well-managed kingdom. It’s a kingdom actually. They manage it properly. And it looks like you know what it looks like from Marvel Comics from Black Panther. It looks like Wakanda, if you look at the pictures.
[David] Yeah, that’s what I was thinking of. Yeah.
[Pavan] Yeah. So it’s this, his Secret Kingdom inside South Africa. Anyways, he was there and they’re very crypto forward, Bitcoin forward high, very smart forward thinking, tech forward people tech forward country. So we have all this going on and then at the Senate hearing today, banking hearing where they’re debating the number of bills that are going that are being table for the congressional Crypto Week. That’s happening right now. So this, our conference yesterday launched Congressional Crypto Week, and we set the agenda and the main conversation today, and the main debate today was about in the Senate hearing was about, is crypto right? Do cryptocurrencies. Are they really a currency? Do they compete against the US dollar and what value do they have? Or is it an art, like a baseball card? And how can it, how is it being used? How can it be used to defraud Americans, defraud retail investors and to defraud the banking system, right? And one of the main points was that I think one of the senators made was that I wish there was a use case where these cryptocurrencies or these, these crypto assets were being used for something other than currency alternatives and were being used for real world assistance to everyday Americans. And I’ve, although I wasn’t one of the speakers, I wanna raise my hand and wait a minute. We have that. We have that. Yes. We’re here. And I believe this is why Senator Loomis invited me to, to participate and at least participate in from the sense of being there so we can give our feedback. And that was the message that we made loud and clear. At our conference yesterday is that, look, there is more to blockchain and crypto and tokenization than trying to bypass the banking system or trying to bypass securities exchange and having an equity or investment of a different form, right? There’s actually real, like real world use, right? Not. Not tokenization of real world assets, but a real world use of blockchain technology of tokens, right? that that people need every single day. And that’s what we’ve developed with Angel AI and Angel Wallet and Angel Twin and the Angel Token, right? So taking back full circle. So we’ve created an actual need to use blockchain technology for something other than, speculative activities or trying to create a security by a different name, right? We’ve created tokens that actually do some real work that everyone can use every day. And so what’s interesting is when I was there and I was wearing my Angel AI cap and gear, like I always do and the aide to one of the senators I started chatting with in the back of the room, and he is that’s a cool cap. Can I get one? And I said, sure, let me, I’ll get one sent to you. And I gave him, I also gave him all the information of Angel. And so he’s oh, wow, okay, so wait, there’s so he walked away. Wait a minute. There’s a real world application for blockchain, right? I gotta get, I gotta know more about, so I get sort the center, right? This wasn’t one of the centers that I’d already been talking to, so I go pull this up now. I’ll get you the exact name in a second.
[David] That’s good. But the fact is that, so let’s talk about this conference. You put together. You’re the sponsor. You’re primarily the one that organized this, the US strategy for AI and crypto. And who was there? Was Eric. Was Eric Adams the mayor of New York there?
[Pavan] No. Eric Adams was not there. He’s got a very tough fight right now in, in New York. He got a horrible fight going on there. Yeah. I hope he wins, but it’s a really, he’s in a tough fight. Three, it’s a four horse. A four horse fight. and so it’s tough to call how that’s gonna go so…
[David] Well but people could go listen, we will put a link to the interview where you did have him on and did it. It was a really good presentation by him and his interest in crypto is, it’s very significant. Was Scott Turner there? I know he was invited.
[Pavan] Yeah, he was invited, two people who sent the regrets was Scott Turner and Tim Scott. Tim Scott. But we, I think we’re gonna do something as a follow up with them, so stay tuned. Good. We got, we’re working on something. So be some big announcements. We have a great relationship with both offices, also with Senator Haggerty’s office. We have a great relationship.
[David] Yeah. Senator Haggerty’s. Yeah, very much. And also you sent me the interview and I was listening to you to get a chance to finish it, but the former representative Patrick McHenry. He is very proactive. I was so impressed with what he’s doing. So the purpose of having you on Pavan is get an update on what’s going on in this fast evolving rapid moving ai, crypto, blockchain for our listeners, give us an update. We watched Bill Pulte come out and director Pulte of FHFA say and issue a letter to Fannie Mae and Freddie Mac, that we’ve gotta get over to the point where we’re using blockchain, and that was meant with some resistance. I wonder why that was. I can’t say,
[Pavan] I can speculate as to why it was, but what he said, was that we can use FHFA is directed Freddie Fanny to use Bitcoin assets as an eligible asset.
[David] As an eligible asset for a down payment and and also receiving payments.
[Pavan] As reserves basically because you couldn’t use it as reserves. Now the…
[David] Oh, the reserve, in other words for qualifying. Qualify. Qualify they have an adequate reserve.
[Pavan] Yeah, exactly right. So just like your 401k or just like any other stock account. You can use that as a qualifying reserve. Which, which I think is great. And which is something I spoke with Vive Ami about at the conference and I sent you a link to that, to the video. Yes. And he’s also very much in favor of what they just did. I think it’s a common sense move by the FHFA, I think the reason that there’s some concerns is that, if you look at the chart of the Bitcoin the last 12 months, right? There’s been some, 25% swings in value. There has been, yeah. But still, the, yeah. So what, I’ve seen SMP 500 have 25% swings in value too.
[David] Yeah, exactly. At certain times we don’t, we don don’t discount stocks.
[Pavan] Exactly. Exactly. Look at Tesla stock, went from, trillion dollar market cap to whatever it is now right now, $200 billion, like 80% loss in market cap. it happens. It can happen to, to anything. And I’m not saying that I’m, rah, go Bitcoin. But I’m saying given where the market is for Bitcoin is a $2 trillion market cap asset, and with the, with deep liquidity I think it’s, I think it’s time that they passed that rule.
[David] Good. I think it, it’s happening and it’s happening rapidly. So let’s talk about the US strategy. What did, what came out of that? And first of all, what was the reason for you bringing that together? Because you’re wanting to lead the discussion. You’re already, you have been significant focus, for example, the policy adopted by Texas was largely influenced or even authored by you and your team. Is that correct?
[Pavan] That is correct. So we have an association called the AI Innovation Association. And I encourage you all to check it out, and I encourage you all to become members, which is, and the website is innovationconnect.ai. So check it out over there. And what we’ve seen, the whole point of the conference is what we’ve seen across the country is, a variety of things happening in the AI regulation space. And there’s been, it’s 80 years of science fiction on AI and speculation what AI could look like, right?
[David] Yep. And negative speculation.
[Pavan] And in American culture and here’s interesting because American culture and Japanese culture are very different. Japanese culture sees AI and robotics as their, as our friend. And it’s very embracing and positive. So Japanese pop culture is very positive about AI and robotics and American pop culture for the past 80 years. This, before any of this stuff existed has been very dystopian about it, right? And so it’s in the American psyche that, that AI is to be feared. It’s the terminator it’s gonna take our jobs and blah, blah, blah. it is gonna take over and destroy the world. So because there’s this prevailing wave and thought process. There’s so much in pop culture, right? You can’t separate pop culture from the politics, unfortunately. And when there’s so much dialogue that’s negative, and our representatives and our policy makers gets swept up in that wave and they can’t separate fact from fiction. You watch enough Terminator movies and you start believing it’s real, in time, right? And some sensational headlines, of, something funny happening with some chatbot or some robot somewhere, right? those sensational headlines of something bad happening. Capture our imagination. But every single day, thousands of Americans are being helped by AI and the lives are being lifted by ai That doesn’t make the headlines right? Yeah. And jobs are being saved and lives are being saved by AI. And that doesn’t make the headlines because it’s mundane. It’s, it is, it’s not interesting for, it is not interesting for the press because it’s not interesting for us as consumers of the media. We don’t wanna read about, the Shanahan and family who are somebody I talked about during, in the conference is a veteran who, 80% disability was denied by three, four other lenders and was moving from home to home, which led him to have serious depression. And their marriage was on the rocks until they worked with Angel AI and they got approval immediately and it, and a warranted approval, and then they got their home. And it’s, it turned the importance of owning a home it is underestimated. It saved in many ways. It saved their life. I’m not trying to over. Over blow the situation. And if you watch, I just, we just put it out on we spoke about them and we they weren’t, unfortunately, they weren’t at the conference, but their testimony was at the conference. And then we just released their testimony on YouTube. So I do encourage everyone to watch the testimony of the Shanahan, the Shanahan family. Yes. And see like how big a deal it is. How important it is that the work that we do in this industry, how important it is, right? Yes. And when we unfairly are I wouldn’t say unfairly and inaccurately decline someone, right? And we and the industry too often did the inaccurately decline someone because it, the industry’s not able to understand, digest, people who are out of the box. The most interesting thing that Mrs. Shanahan and said was Angel AI thinks out of the box for people that are out of the box. So she got, therefore she got a loan approval. And the reality is, in today’s gig economy. And everything is, nothing is traditional anymore. No one is traditional. Before it was a minority of people that were not traditional. Today it is the, it is traditional to be non-traditional, right? And everyone’s outta the box and lenders and are still trained to look in the box. So many people get declined when they should not have. And that’s why veterans, if when we, when you look at the national HMDA data, veterans have declined almost three times. I think maybe more than three times more than people in the box. Okay.
[David] Yeah. It’s and that’s a group. If any group that we should be, helping get into homes, they should be the ones that are the most focused on and make sure that we have them in home ownership. Talk about the US strategy. What do you believe our US strategy should be? That when it comes to AI and crypto?
[Pavan] Yeah. The first of all, it should not be, what it should not be is fear based, right? Yeah. Both fear of rogue AI terminated AI and fear of rogue of a few bad actors that could potentially abuse crypto trading. Okay. Fear of those guys putting an end to the whole crypto system. The crypto system is amazing, right? Yeah. It really is, right? It’s a word called trustless, right? Crypto is trustless, and What does that mean? That does not mean that people misunderstand that word, and you’ll hear that term a lot in the crypto industry. It does not mean that you cannot trust crypto. It means that there is no third party trustee. Okay. That means two people can transact directly with each other and the money can flow without having to go through an intermediary. That’s the definition of crypto. Okay. And because Crypto disintermediates the intermediary. And the biggest intermediary in the whole system is what? The banks
[David] which is the, it has a lot of concern about, this creates a lot of concern for the banking system overall, right?
[Pavan] It, what it base, the biggest concern it creates for them is that they can get disintermediate, they’re out of business. Yep. So they need to find a way to not get, become irrelevant. And yes, there, there is possible of abuse. And there there’s ways to do some bad stuff using a trustless ledger system. We’ve all heard about ransomware and things like that happening through it but guess what The good news is, just like in the internet where you have IP addresses that tracks everything, it is easier to track someone on the internet than it is through pencil and paper. It’s also easier to track someone on crypto than it is through any other mean, right? And the industry’s already figured out how to do proper KYC and how to transact worldwide. And identify bad actors and identify illicit material or illicit trade. And so if you follow, so the technology’s already here and the process is already here. Yes. In the early days of crypto that wasn’t in place and a lot of crazy things happened. but since then, it’s been, and then the Bitcoin paper came out, what, 20 years ago or something like that? Satoshi’s paper. And since then, it’s matured and all of these practices are put in place and I would argue it’s actually better and more accurate and more stringent than the traditional banking. And we and I think it is. It is really fast. because it’s all electronic, right?
[David] Yeah. And it’s I think that it makes sense why you’re gonna get some pushback, especially when you take out the intermediaries.
[Pavan] Yes. And you’re taking out the intermediaries and it is a the most, some of the most powerful intermediaries, and we talked about this before, banks and the banking system, ultimately are controlled by, by, by a few. They’re the ones who get distributed. Intermediate. Yep. Yeah. And just intermediated right away. And it’s like the cartel, the bank car banking cartel is probably the most powerful cartel out there. And you don’t want, you gotta play nice with them, right?
[David] No question. No question. So what strategies, we gotta get a little bit of the fear. What’s the positive strategy? We need to do education, I’m assuming, just making sure we.
[Pavan] Education. And I think just showing the, going back to your question, the reason we had this conference was to show DC and the policy makers that hey, there’s real world use cases. People are out there lot, thousands, tens of thousands of people out there that are being helped and lives are being saved. And I’m, that’s not an exaggeration. And that by this technology, by AI and crypto and blockchain technology, it’s, it is lifting and transforming lives, if not saving lives, transforming lives, and there’s this big economic value being added. And we want, we were showcasing those stories and those examples so that this isn’t, basically we’re telling them, this isn’t hypothetical. All this isn’t.
[David] This real this is real use cases, right? Yeah. These are real, right? Yeah. And when they realize that do you think that you may move the needle at all in helping people realize that?
[Pavan] I think so. I think we made a significant impact on how much more needs to be done to do that, though a lot. A lot more. We need to have a lot more. Yeah. We need to have a lot of dialogue, a lot of minds to be changed. I think the, I haven’t read the Genius Act, which is the stable coin bill. And it is, I’ve just read summaries of it. I haven’t read it in, in detail. Listening to the conversation and listening to where Tim Scott who drafted the act and also having deep conversations with Senator Haggerty, who’s the co-author of the act. I think the people who are leading the charge right now are really smart. And are looking at this the right way. Okay. And they’re being, and the smartest thing that they’re doing is they’re not trying to fix everything at once. Okay? They’re saying, let’s look at what do we understand? What do we know that needs to be done? And that, and we understand that can be done. We understand it enough to do something about, and that as they understand it they’re writing the rules. For example, we just had a huge legislative success. It was almost complete. Only two congressmen voted against it. Was a bill against, revenge foreign deep fakes, right? And that, that’s huge. It’s it’s not controversial, right? Yes. That should be illegal. That’s fraud. And it got passed. Okay. So I think there’s a lot of things that everyone agrees on, right? And someone uses AI to hey to hack a bank, right? or to hack through in, government security system. Yeah. I think that should be illegal. So let’s, why don’t we just get the bills passed and the rules passed, the stuff that we all agree on that should be illegal. There’s a lot that we agree on. Let’s get those stuff passed. So let’s do a series of small bills. Let’s get them through, right? And that was gonna take care of 90% of the problems. Right then, and in the meantime, and as we do that and engineering, we call it rapid application development, right? Where you do, you make a lot of little small steps. You look at what you created, and you learn from that and the next step is a better step, right? But if you don’t start, you’re never gonna get. So I applaud the senators for starting the process and moving the ball forward. And they’re taking it small, careful steps and they’re having the public debate. So some of this, and, today’s debate, it got, he did it at some point and a little bit of name calling and And show voting for Cspan and all that. That’s politics and it’s fun. It makes, it, makes it interesting and fun. But the dialogue is happening and the ball’s moving forward. And that’s what’s important. And as I think, as long as we keep it at simple steps, simple, clear, well-defined steps, and not trying to do everything all at once.
[David] Where do we go from here? You’re gonna have more conferences like this? Yes. In DC.
[Pavan] Yes. Absolutely. I think, this was our first legislative conference that we did. And term, and if you go on the site and you see the speakers that were there, these were significant people of I was impressive. Significant influence. Yeah. Were there. And then the audience had, a major investment banks, family offices, leaders in the tech space. The biggest realtors in the country were their like I said government officials aides from various departments of the government were their staff staffers and aides from various departments of government were there. So the message did get across, and of course we had two ambassadors to two very important countries trading partners with the us. Whether there in, in El Salvador, of course, the ambassador of El Salvador very important because El Salvador has gone full crypto. I mean that Bitcoin is their national currency at this point, right? And she’s really smart. And she really stole the show. She was like, she couldn’t, it’s amazing. Yeah.
[David] Talk. What about the stablecoin? Give us, as we wrap this up, talk about stablecoin Trump’s initiative.
[Pavan] Yeah. Yeah I it’s a good bill. It’s not perfect. I think the community bank lobby tried to derail it. And I met with Senator Haggerty before the bill passed committee.
[David] The community bank group. Yes. Tried to do that. Interesting.
[Pavan] Yeah. They were the lobby that was trying very hard to derail it. Senator Haggerty was not feeling positive about the bill. He was feeling a little depressed that it might get Mike get shut down and Senate committee. But it made it through and it made it through, I think, I believe, I don’t quote me on this. I believe the amendment was that it got it through that pacified, the community banks is that the issuer of a stable coin cannot pay interest. Because a stable coin has to That would that, yeah, that would, that’s where the encroachment on the banking world would be. Yes. And it makes it less profitable to be a stablecoin, right? Because so the bill requires the stablecoin to be backed dollar for dollar. So $1 stablecoin must have $1, one US in the form of treasuries or dollars, right? But so if you have, so if you have a hundred dollars of stable coin that you’re issuing, that means you have to have a hundred dollars of treasury. You are getting you as issuer, getting yield on that, on those treasuries. 4% whatever it is right now. But you cannot pay the person who got the stable coin that yield. So it disincentivize, it disincentivizes people from buying stable coins. But it’s still, if you’re the whole point of using stable coins so that he could rapidly say, transmit money. I could transmit money now with stablecoin from, say, us to Mexico or US to India. And not pay the $20, $30, Western Union fees or wire fees, right? Because it I could transmit it for a fraction of a penny on chain, right? So the US dollar goes from point A to point B without. Ever touching the Federal Reserve system without touching swift, right? And without going through all those expenses and intermediary fees, it just goes across, right? So that’s the problem that it does solve, is that we can now move the US dollar across the world very fast and very cheaply, which is very good for the US dollar. We wanna keep the US dollar, every American should want to keep the US dollar as a world reserve currency. That’s really what keeps America great, right? So anything that we can do any kinda technology that we can do that encourages the use of the US dollar at a low cost in a low cost way is a great thing, right? And we want people outside the US to use the US dollar in a non-cash format, right? I think, I don’t forget the statistics, but something like, 60% of all currency that’s printed is actually used outside of the US right? Actual, paper currency. Let’s replace that paper. There’s no, when paper currency is used, there’s zero tracking of zero tracking. You have no idea. And yeah, that’s where really the fraud and abuse happens and there’s no KYC but now if Stablecoin is used across the world, if US dollar based stablecoin is used across the world, transact because everybody wants to transact in the dollar, right? strengthens actually strengthens the dollar. Strength is a dollar, and it removes the black, eliminates the black market. And because guess what? It’s when it’s on chain, what people don’t understand, blockchain means it’s a public ledger. That means every, the transactions are completely public, it went from wallet A to wallet B. Okay. The one thing that, the only thing you don’t know is whose wallet A and whose wallet B. Who owns these wallet? But it’s but there’s ways to look at when you look at the spider web, but where the wallet connects you to then you could largely figure out who it is, right? Just your website has an IP address. You don’t know whose IP address is just by the IP address. You don’t know. But by seeing what’s on there, because an IP address is public. The wallet address is just like your IP address. And this is the same kind of fear and concerns were there at the beginning of the internet where oh, people are gonna be able to do stuff on the internet. You can’t track ’em. And the early days of the internet a lot of illicit transactions, a lot of illicit work was happening on the internet. And because there was nobody knew how to track it. because the technology hadn’t matured then, but that was the early days. And then it very quickly got figured out. And now people realize that I don’t wanna do anything on the internet because it’s there forever and they’re gonna catch me. Yeah, that’s exactly right.
[David] Yeah. Fascinating. This is, the, it’s working so quickly. It’s happening so quickly. I think that my biggest concern is our industry, which is typically a laggard. Is really behind the eight ball. They don’t even understand the issues. It’s so important that they pay attention to what you’re doing. Pavan, how can people track more track with you, what you’re focusing in on?
[Pavan] Hey, just follow me on LinkedIn or my Instagram as or and if you have any questions, just send me a dm. Yeah. And I And you do respond. It is really good. Yeah. Most of my, most the time I respond sometimes. Sometimes it’s my ai, sometimes my AI twin, but usually it’s me.
[David] It’s usually it’s you, Pavan, thanks for taking time while you’re in DC with hobnobbing around with in the Senate banking or Senate Financial Services Committee. Is that what it was? You were today, the Senate Banking Committee. Very impressive. Very impressive. Thanks for coming in and being on with us today, giving us an update and congratulations on the successful US strategy for crypto and ai conference that you had there. Very cool. Thank you.
Important Links
Pavan Agarwal is a renowned leader in the mortgage lending industry and a pioneer in bringing artificial intelligence to the financial markets. Agarwal serves as the President and CEO of Sun West Mortgage Company and Celligence International, LLC.