Aleksei Zakharov, founder of Ottr Finance, discusses his vision for making financial transactions more seamless through the integration of web3 technology with consumer finance. Ottr Finance, a mobile wallet and Circle Ventures Portfolio Company, aims to make decentralized finance (DeFi) accessible to non-crypto savvy users by offering features such as instant global payments, zero-fee crypto trading, and yield products. Zakharov, drawing from his experience at CashApp Crypto, aims to bridge the gap between traditional finance and the emerging DeFi sector by enhancing the user experience. The company's primary focus is on peer-to-peer payments, leveraging blockchain technology to offer decentralized transactions without a central custodian, thereby increasing robustness and reducing risks of institutional mismanagement. Looking forward, Ottr plans to expand its functionalities to include investments and crypto capital market participation, with an eye on tokenizing traditional financial assets like stocks and bonds. Zakharov emphasizes the importance for crypto founders to create products that solve real-world problems, advocating for practical applications of crypto technology rather than speculative ventures.