According to CoinLaw<\/a>, more than 81% of financial institutions are currently either researching or already implementing blockchain solutions, a significant jump from 67% in 2020. This trend demonstrates that the traditional financial system is eager to integrate with the Web3 industry. However, this transformation requires not only technological readiness, but also leaders who are able to adapt quickly, act on the edge of regulatory requirements, and create products that are in real\u00a0demand.<\/p>\n Jovi Overo<\/a>, CEO of Vault<\/a>, is one of these leading experts. In this interview, he shares his advice for young entrepreneurs, reveals the secrets of effective leadership in the crypto industry, and explains how modern technologies and partnerships between banks and crypto companies are changing the way users view digital\u00a0finance.<\/p>\n \u2014 You\u2019ve been in the fintech industry for over 18 years. Given your vast experience in this field, what advice would you give to young entrepreneurs who want to take their first step in the crypto or fintech\u00a0space?<\/em><\/strong><\/p>\n Forget waiting to be ready. Build it dirty, build it fast, and let reality punch your product into shape.<\/em><\/strong> Strategy is cheap. Execution is key. In crypto and fintech, you\u2019re either moving at speed or you\u2019re irrelevant.<\/em><\/strong> Don\u2019t chase buzzwords. Solve problems, money actually moves\u00a0through.<\/p>\n \u2014 To achieve significant results in this industry, it\u2019s important not only to have the right strategy, but also to build a strong team. Which hard and soft skills do you prioritize when selecting candidates? What principles do you follow to create a team that can bring your vision to life and perform effectively in this\u00a0field?<\/em><\/strong><\/p>\n Hard skills\u2026 API literacy, payments architecture, legal \/ compliance combat-readiness, and someone who can ship products without asking permission.<\/p>\n Soft skills? Hunger. Ambiguity tolerance. Pain tolerance. The principle is simple, I hire people who act like co-founders, or I don\u2019t hire them at\u00a0all.<\/em><\/strong><\/p>\n \u2014 In your opinion, what are the key qualities and skills that a crypto company leader should possess to succeed in this dynamic industry? What do you think makes an effective crypto leader stand\u00a0out?<\/em><\/strong><\/p>\n A great crypto leader is a wartime leader in a broken regulatory trench. The best lead with vision but punch through chaos with clarity and grit. They don\u2019t chase hype. They turn hostile regulation, payment friction, and liquidity gaps into product. That\u2019s leadership in this\u00a0game.<\/p>\n \u2014 About 60% of financial institutions are already <\/em><\/strong>partnering<\/em><\/strong><\/a> with fintech companies and other third-party providers to meet their customers\u2019 digital banking needs. In your view, how can fintech company best capture the interest of traditional banks, demonstrate the value of crypto, and gradually build their trust? What strategies work most effectively to bridge the gap between traditional and digital\u00a0finance?<\/em><\/strong><\/p>\n Speak their language, but play your game.<\/em><\/strong> Don\u2019t pitch decentralisation, balch blah blah, but pitch operational risk reduction. Don\u2019t promise the future, prove the revenue. Trust is built when you absorb complexity they can\u2019t touch and make them money doing it. You don\u2019t need their blessing. You need their\u00a0volume.<\/p>\n \u2014 What do you see as the main barrier to a full integration of traditional finance and crypto\u200a\u2014\u200ais it technology, regulatory hurdles, or perhaps the mindset of the key\u00a0players?<\/em><\/strong><\/p>\n Mindset. Not tech. Not even regulation. Traditional finance is run by people who grew up believing banks are the system and crypto is the rebellion. Not any\u00a0longer.<\/p>\n The moment they realise crypto isn\u2019t a threat, it\u2019s a new infrastructure layer, everything changes. We\u2019re not replacing them. We\u2019re rewiring them. Plant a seed and let it\u00a0grow.<\/p>\n \u2014 Today, some of the most notable crypto cards include the <\/em><\/strong>Bybit Card<\/em><\/strong><\/a>, <\/em><\/strong>WhiteBIT Nova<\/em><\/strong><\/a>, <\/em><\/strong>Crypto.com Card<\/em><\/strong><\/a>, and others. In your view, how much growth potential does this segment have? Are crypto cards truly ready to break out of their niche and become a mainstream product, or are they still mainly a tool for enthusiasts?<\/em><\/strong><\/p>\n The product isn\u2019t niche. The positioning is. The problem? Most crypto cards sell features to crypto bro\u2019s instead of utility to normal people. The breakout comes when cards stop shouting \u201ccrypto\u201d and start delivering real value with invisible rails. By the time the user realises it was a USDC rail, they\u2019re already hooked. Make Crypto Boring Again should be the\u00a0slogan.<\/p>\n \u2014 When you\u2019re working on a new product, what do you prioritize more\u200a\u2014\u200alaunching it quickly to the market or thoroughly refining the idea? How do you usually find the balance between speed and\u00a0quality?<\/em><\/strong><\/p>\n Perfection is the enemy of momentum. You want product-market fit? Ship it, break it, fix it.<\/em><\/strong> If you\u2019re not embarrassed by your v1, you launched too late. Words I live by! You don\u2019t learn in planning. You learn in market. Take off those stabilisers and ride\u00a0free!<\/p>\n \u2014 Nowadays, it is increasingly common to see traditional banks and neobanks forming partnerships with crypto exchanges. In your opinion, how does this cooperation between the banking sector and crypto companies affect end users\u2019 behaviour? Does it help increase trust in crypto and possibly change the way a broader audience perceives crypto\u00a0assets?<\/em><\/strong><\/p>\n Massively. When legacy banks let crypto into the reception, retail sees legitimacy. That partnership lowers fear, increases usage, and kills the boogeyman effect. But the trust transfer cuts both ways\u200a\u2014\u200aif the crypto partner fails, the bank loses face. So only strong operators survive this integration.<\/p>\n \u2014 Today, Crypto-as-a-Service (CaaS) is becoming increasingly popular among businesses that want to adopt blockchain technology without diving deep into the technical complexities. In your opinion, how significant is CaaS as a key driver for the mass adoption of crypto in the business?<\/em><\/strong><\/p>\n CaaS is the bridge to mass-market crypto. <\/em><\/strong>Most businesses don\u2019t want to \u201cgo on-chain.\u201d They want payouts faster, compliance offloaded, and new revenue channels. CaaS is the Trojan Horse, it packages all that in one API and lets them onboard without becoming crypto-native.<\/p>\n This is how you move the market: quietly, at\u00a0scale.<\/p>\n \u2014 The crypto market is increasingly attracting the attention of institutional investors, and exchanges are actively developing comprehensive services to ensure liquidity and stable operations for large clients. Based on your experience, what is more important for institutional investors: a wide range of services covering diverse needs, or deep expertise in a specialized niche? How does this influence their choice of partners and service providers?<\/em><\/strong><\/p>\n Depth. Always depth. They want confidence in your custody, your compliance, your counterparties. You win institutions not by being everything, but by being the best at one thing they absolutely need.<\/em><\/strong> Niche is power when you\u2019re bulletproof.<\/p>\n Originally published at <\/em>https:\/\/36crypto.com<\/em><\/a> on June 21,\u00a02025.<\/em><\/p>\n Exclusive Interview With Vault CEO Jovi Overo: \u201cIn crypto and fintech, you\u2019re either moving at\u2026<\/a> was originally published in Coinmonks<\/a> on Medium, where people are continuing the conversation by highlighting and responding to this story.<\/p>","protected":false},"excerpt":{"rendered":" Exclusive Interview With Vault CEO Jovi Overo: \u201cIn crypto and fintech, you\u2019re either moving at speed or you\u2019re irrelevant\u201d\u200a\u2014\u200a36Crypto According to CoinLaw, more than 81% of financial institutions are currently either researching or already implementing blockchain solutions, a significant jump from 67% in 2020. This trend demonstrates that the traditional financial system is eager to […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-75417","post","type-post","status-publish","format-standard","hentry","category-interesting"],"_links":{"self":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/75417"}],"collection":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=75417"}],"version-history":[{"count":0,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/75417\/revisions"}],"wp:attachment":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=75417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=75417"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=75417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}