How Crypto Will Replace the Banking System in the Next 10 Years | WIF Podcast

About this episode

Xen Baynham-Herd discusses the future of finance and how crypto may replace traditional banking systems in the next decade.

Today's guest is Xen Baynham-Herd, Director of Growth at Base and Global Builder Ecosystem lead at Coinbase, working at the centre of where crypto, AI agents, and the future of finance collide. Before Coinbase, Xen spent eight years as a fixed income trader at UBS, where he championed an internal stablecoin project that eventually spun out into Finality, backed by UBS, Deutsche Bank, Barclays, and Santander. He then made the leap into crypto, rising to COO at blockchain.com, before stepping ...

People in this episode

Host: Work in Fintech

Guest: Xen Baynham-Herd

Topics covered

• crypto
• banking system
• finance
• AI agents
• stablecoin
• entrepreneurship

Keywords

• crypto
• banking
• finance
• stablecoin
• AI
• blockchain
• entrepreneurship

Mentioned in this episode

Organizations: Base, Coinbase, UBS, Finality, Deutsche Bank, Barclays, Santander, blockchain.com

More episodes of Interviews with Leaders in Fintech & Web3

• He backed PayPal and built Tether but will not invest in AI | William Quigley · May 28, 2026 · 1h 3m
• GPT-5.5, Codex & AGI: Inside AI Adoption at the World's Biggest Banks | WIF Podcast · April 29, 2026 · 44 min
• How Jeeves Scaled Fintech to 25 Countries | CEO Dileep Thazhmon Interview · April 25, 2026 · 40 min
• Inside Revolut’s $670M Plan to Take Over the Indian Payment Market · April 7, 2026 · 48 min
• How Richard Davies Built Allica Bank into the UK's Fastest Growing Fintech · March 23, 2026 · 37 min
• Charlotte Crosswell – Goldman Sachs, Nasdaq & The Future of FinTech · March 9, 2026 · 46 min