Catalyzing Tokenization Infrastructure For Small Enterprises with Arushi Sood Joshi

Описание: In this episode of The Get Down: Beyond Bitcoin podcast, host Marisa Estrada Rivera (aka Ritzy P) sits down with Arushi Sood Joshi, founder and CEO of Zult, Inc.

With over 25 years of experience leading digital asset strategies at giants like Wells Fargo, MasterCard, and Visa, Arushi shares her deep insights into why the financial system needs an operational upgrade. The conversation dives into the practical application of the "DeFi mullet" approach, how tokenization empowers micro-lending institutions, and the unique challenges diverse female founders face when navigating shifting regulatory environments.
Interview with Arushi Sood Joshi, Founder & CEO of Zult, Inc.
Crypto Origin Story: How witnessing the early integration of distributed ledger technology (DLT) in the Middle East inspired Arushi to leave corporate finance in 2017 to launch her first central bank digital currency (CBDC) startup, AdCash.

The Problem with Private Markets: A look at how capital formation remains complex and restricted, shutting out small-to-medium issuers (like CDFIs) and everyday investors by design.

The "DeFi Mullet" Tech Stack: Why Zult relies on a Web2 front-end and a Web3 back-end—leveraging blockchain for an immutable "golden record," AI for automated document processing, and APIs to connect with legacy plumbing rather than replace it.

Demystifying Tokenization: Turning the rights to real-world assets (like real estate, loans, or art) into digital tokens on a blockchain to securely verify ownership and distribute yield.

Zult Impact & Partnerships: Zult Impact, which recently secured a partnership to build a loan loss reserve that protects investors and opens liquidity for community lenders.

Founder Wisdom & Thick Skin: Real talk on why founders must remain anchored to real-world problems and prepare themselves for the uphill battle of raising capital as a diverse female founder.

Navigating Changing Policy: Adapting to a landscape with "multiple referees" changing the rules mid-game, and why Zult holds itself to traditional capital market standards to protect users.

About Arushi Sood Joshi
Arushi Sood Joshi is a fintech entrepreneur and the Founder and CEO of Zult, Inc., where she's building blockchain infrastructure that brings compliance, privacy, and scalability to private credit markets from the ground up. With over 25 years of experience building transformative financial products, she's led digital asset and DLT strategy at Wells Fargo, advised central banks on digital currency through her company AtCash, and held leadership roles at Mastercard and Visa. She's launched more than 18 fintech products and is one of the most recognized voices at the intersection of tokenization, regulation, and real-world asset infrastructure.

Chapters
00:29 Intro & Welcome
01:46 Crypto Origin Story: Betting on DLT Infrastructure over Speculation
02:59 Rethinking Private Markets: Why Zult Was Founded
04:47 The "DeFi Mullet" Tech Stack: Merging Blockchain, AI, and Web2
07:52 Tokenization Defined: Simple Digital Proof of Ownership
10:24 Empowering Microfinancial Institutions & Small Enterprises
13:21 Zult Impact: Funding, MasterCard, and the Loan Loss Reserve Marketplace
16:58 Founder Wisdom: Solving Real Problems & Embracing the "No's"
19:50 Career Milestones: Patenting Innovation and the Power of "Firsts"
21:13 Policy Bottlenecks: Playing a Game with Multiple Referees
24:24 The Future of DLT as Financial Plumbing vs. Crypto
26:39 Fun Fact: Writing Split and Arushi’s Secret Novelist Past
28:04 Actionable Call to Action (CTA) for Investors & Issuers
29:41 Closing Remarks

Links from the Episode
CONNECT WITH ARUSHI SOOD JOSHI:

LinkedIn:   / arushisoodjoshi  
Website: zult.io
LinkedIn:   / zult-io  

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