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One of the biggest wins in life would be having enough time to spend with kids while they are growing up.

Ray Youssef may not have been born with a silver spoon in his hand, but his passion was evident from an early age. Born in Egypt and raised in New York City, he grew up helping his parents run a newsstand on the corner. Imagine an eight-year-old who already knew how to serve customers and count change faster than a cash register. This experience not only shaped his work ethic, but also honed his business instincts that would later take him into a wider world. Entering his teenage years, Ray spent his time learning to code autodidactically. A choice that not many young people chose at that time. At the age of 19, he had succeeded in building a ringtone business, which at that time was like selling hot cakes on the side of the road. However, his life journey was not always smooth. Eleven times he founded a business, eleven times he had to swallow the bitter pill of failure. For many people, it might be enough to give up and return to a “safer” path. But Ray chose to persist. A major turning point came in 2015 when Ray Youssef co-founded Paxful, a peer-to-peer Bitcoin marketplace. He believed that Bitcoin was not just a speculative tool, but a way out for many people who were underserved by the traditional financial system. While in developed countries we can easily open a bank account with just a mobile phone, it is different in Africa and Asia . In many places, accessing financial services is still like chasing a ghost. Through Paxful, Ray opened the door to millions of people. They can buy and sell Bitcoin using more than 300 payment methods. From gift vouchers to local cash transfers. With this concept, Paxful has grown rapidly in Nigeria, Ghana, and various other developing countries. On the other hand, Ray also founded the Built With Bitcoin Foundation, proving that Bitcoin can do more than just transactions. Through this foundation, he funds the construction of schools and clean water facilities in underdeveloped areas. Not everyone is willing to invest in real change like this, especially with capital from a world that is often looked down upon. However, Ray’s journey at Paxful was not always smooth. In 2023, he decided to step down from his position. He faced a legal dispute with one of the founders and pressure from increasingly stringent regulations. Even so, before leaving, he ensured that 88% of the frozen customer funds were successfully released. This was a kind of farewell that was full of responsibility, not just throwing up his hands and walking away. Not long after, another storm hit when Artur Schaback, his co-founder, pleaded guilty to money laundering. The internal conditions of Paxful were really turbulent at that time, but Ray had chosen his own path. Not wanting to be trapped in the old story for too long, Ray immediately launched a new project: Noones. This marketplace has a similar vision to Paxful, but with a more decentralized approach and a strong focus on Global South countries. In addition, he also introduced Civ Kit, a toolkit for anyone who wants to build their own Bitcoin marketplace. To this day, Ray Youssef remains a vocal figure about Bitcoin. He is not the type to just show up at conferences and talk sweetly. He is an outspoken critic of altcoin schemes that are detrimental to the common people. For Ray, Bitcoin is a tool of liberation, not just an asset. Watching Ray Youssef’s journey is like reading the story of a stubborn warrior who refuses to submit to failure. The world may be changing, technology is getting more sophisticated, but the human need for fair financial access remains the same. And Ray chooses to remain at the forefront of that struggle.

To understand the motivations/GTM of Mantle Banking, here's a breakdown: The goal here like any healthy biz is to aim for LTV >> CAC. Terms: 🔸CAC (Customer Acquisition Cost): how much it costs to get a customer 🔸 LTV (Lifetime Value): how much money you make from that customer before they leave or churn. #1 Lowering CAC: Dealing with CAC is always an uphill battle if you don't own the infra as shown from Web2 neobanks. Without deeper real-world utility & consistent expansion, deposits leave. That's why super-apps like Grab, WeChat scale → more features, more stickiness. By building natively on its DeFi stack + distribution channels, @Mantle_Official dramatically lowers CAC vs. relying on 3rd-party services. #2 Maximising LTV: LTV is key for long-term survivability (sustainable PMF). The product must be sticky - Hence 'banking' since it's a habitual, essential service tied into daily life. *Think about how clients usually stick with a particular banking service for years/decades when satisfied High switching cost + high recurring usage = massive LTV growth. A high LTV allows a business to scale sustainably & profitably over time. ---- TLDR: By having Mantle Banking as part of the native fin. stack, this enables: 🔹 Control product development fully 🔹 Capture the full value of user touch-points via a retentive feature 🔹 Offer more services seamlessly 🔹 Deepen integrations with its DeFi suite All leading to higher LTV + lower CAC = stronger growth flywheel.

The whole idea of one should be financially free to take interest in spirituality is fundamentally wrong — and you could even become financially free sooner than you would when you adopt spiritual practices like meditation/chanting in your daily life, and you just give your 100%

The whole idea of one should be financially free before taking interest in spirituality is fundamentally wrong — and you could even become financially free sooner than you would when you adopt spiritual practices like meditation/chanting in your daily life, and you just give your