Darshan Vaidya is the Co-Founder & CEO at Credora (Formerly known as XMargin).

Credora is the world's first distributed private credit oracle that can facilitate loans to trading firms at scale without needing to see their sensitive data. This delivers high yields to investors with unparalleled risk management and transparency.

We discussed Darshan's humble journey of coming from traditional finance to starting his own business in web3, the early days of crypto, and what innovating in the web3 space looks like.

Today, X-Margin has already facilitated over $400 million of uncollateralized loans and monitoring on lenders' behalf of around $3 billion of assets.

Today we discussed how is it like to start a web3 firm, how it it to navigate the market ups and downs with crypto market volatilities, and how is it like to stay true to your mission.

We discussed everything from building and innovating in web3, how X-Margin has facilitated hundreds of millions of dollars of credit transactions to date, and what web3 founders can build in the new world of web3.

We also discussed many topics that are relevant to today's fin-tech and web3 founders, such as how to find ideas worth innovating in web3, how to build a team fit for web3, and whether crypto firms should do ICOs or not.

2:09 What is web3 like in 2016 and 2018
10:00 Introduction to Credora (formerly X-Margin)
17:08 Building an infrastructure company in web3
20:12 Scaling a web3 company
32:51 Finding ideas worth innovating in web3
37:15 Building a team fit for web3
42:19 ICO vs. Not ICO, which one is better?

Connect with Darshan:

- LinkedIn: https://www.linkedin.com/in/darshanvaidya

Connect with Credora:

- Website: https://credora.io/
- Twitter: https://mobile.twitter.com/credoraplatform