Piero Núñez Del Risco is the founder and CEO of Pana (YC S22), a cross-border neobank building borderless USD accounts and a zero-fee remittance network for the 62 million Latinos living in the United States. A Dominican operator who spent more than a decade inside Caribbean banking - including leading a 130-person team that rebuilt Scotiabank's digital platform for 2 million customers across 11 countries - he left the corner office to attack the 6% fee that immigrants pay to send money home. Pana lets people open a US bank account with just a passport, and has grown into a 'global bank on chain' blending fiat and stablecoins across 125 countries.

Joel Monegro is a Managing Partner and Co-founder of Placeholder, a New York City-based venture capital firm that invests exclusively in decentralized blockchain networks and cryptoassets. Best known for authoring the seminal 2016 essay 'Fat Protocols' - one of the most influential frameworks in crypto investing - he built Union Square Ventures' blockchain thesis before launching Placeholder in 2017 with Chris Burniske. A former Dominican Republic government technology official turned VC, he is also an amateur competitive racing driver who races under @racingpapi with the Dominican flag proudly displayed.