Uploaded January 2025 | Updated September 2026, 4 days ago
What's next for crypto in Australia and globally?
This expert panel from AusCryptoCon dives into the hottest industry trends, challenges, and opportunities. Hear from Harrison Dell (Caden Legal, Black Sheep), Amanda (Swyftx), Omer Muhammad (DigitalX), and Lisa Wade (DECA) as they discuss the future of crypto regulation, real-world asset tokenization, emerging security threats, and the path to mainstream adoption.
Discover what's hot in the Aussie crypto scene, the role of education, and the vision for a more accessible and innovative digital economy
[0:06] Panelist Introductions: Harrison Dell (Caden Legal, Black Sheep Exchange) - Harrison Dell introduces himself, his crypto tax law firm, and his new exchange, Black Sheep, focused on user on-ramping and off-ramping.
[1:38] Panelist Introductions: Amanda (Swyftx Exchange) - Amanda introduces herself as Deputy General Counsel at Swyftx, highlighting Swyftx as a top Australian exchange.
[2:22] Panelist Introductions: Omar Muhammad (DigitalX - Bitcoin ETF) - Omer Muhammad introduces himself as General Manager of Technology and DeFi at DigitalX, mentioning their Bitcoin ETF launch on the ASX.
[2:48] Panelist Introductions: Lisa Wade (Digital Economy Council of Australia - DECA) - Lisa Wade introduces herself as Chair of the Digital Economy Council of Australia (DECA), the peak body for crypto in Australia.
[3:35] Industry Direction: Regulation, Innovation & Consumer Demand (Lisa Wade) - Lisa Wade kicks off the discussion, emphasizing the industry's move towards regulation, driven by Bitcoin ETF success and consumer demand.
[4:18] Crypto Access & User On-Ramps: Breaking Down Geeky Terms for Mass Adoption (Harrison Dell) - Harrison Dell discusses the need to improve crypto access and user on-ramps for mainstream adoption, beyond regulatory discussions.
[5:06] Regulation & Consumer Safety: Balancing Innovation with User Protection (Harrison Dell) - Harrison emphasizes that regulation should enable safe access and consumer protection without stifling innovation and freedom.
[6:16] Sustainability of Exchange Revenue Models & User Fees (Harrison Dell) - Harrison questions the long-term sustainability of exchange revenue models relying on high user fees, hinting at fee compression.
[6:52] Regulation & Education: Intertwined for Responsible Crypto Adoption (Amanda) - Amanda highlights the intertwined nature of regulation and education, emphasizing the need for informed consumers and responsible adoption.
[8:18] Future of Crypto Regulation in Australia: Global Benchmarks & Industry Engagement (Omer Muhammad) - Omar discusses the future of crypto regulation in Australia, referencing global benchmarks like MiCA and the need for industry and consumer engagement.
[9:59] Blockchain Technology Solving Real-World Problems Beyond Australia: Tokenization & Liquidity (Omer Muhammad) - Omar discusses blockchain's broader potential to solve real-world problems beyond Australia, focusing on real-world asset tokenization for liquidity.
[11:26] Real World Asset Tokenization: Securitization & Democratizing Finance (Omer Muhammad) - Omar elaborates on real-world asset tokenization, comparing it to securitization and its potential to democratize access to finance.
[12:29] DECA & Real World Asset Tokenization: Scaling Up for Mainstream Adoption (Lisa Wade) - Lisa Wade discusses DECA's focus on real-world asset tokenization, highlighting 2024 as the year of scaling up for mainstream adoption.
[14:59] Financial Freedom & Instantaneous Payments: Crypto Use Cases Beyond Finance (Amanda) - Amanda emphasizes financial freedom as a core value of crypto and highlights use cases like instantaneous payments with Stellar.
[16:10] Tap & Pay Fees & Disruption Potential: Democratizing Payment Fees (Lisa Wade) - Lisa Wade discusses the Epiphany of Solana phone and Tap & Pay fees, seeing crypto's potential to disrupt traditional payment networks and democratize fees.
[17:56] Australian Crypto Adoption: Trailblazers & Fast Followers - Swyftx Research (Lisa Wade) - Lisa Wade presents Swyftx research highlighting significant crypto adoption in Australia (11.35M users) and the "fast follower" mentality.
[20:30] Magic Wand for Australian Crypto Industry: Bringing Offshore Talent Home & Innovation Hubs (Lisa Wade) - Lisa Wade shares her "magic wand" wish: bringing back offshore talent, fostering innovation hubs, and supporting industry growth.
[20:51] Barriers to Innovation in Australia: Regulation & Tax Disadvantages (Lisa Wade, Harrison Dell) - Panel discusses regulatory and tax barriers hindering crypto innovation in Australia, leading to talent and business migration.
[22:51] Tax Burden & Investor Impact: R&D Grants vs. Operational Taxes (Omar Muhammad) - Omar highlights the tax burden on crypto businesses, questioning the effectiveness of R&D grants compared to operational tax disadvantages.
What's next for crypto in Australia and globally?
This expert panel from AusCryptoCon dives into the hottest industry trends, challenges, and opportunities. Hear from Harrison Dell (Caden Legal, Black Sheep), Amanda (Swyftx), Omer Muhammad (DigitalX), and Lisa Wade (DECA) as they discuss the future of crypto regulation, real-world asset tokenization, emerging security threats, and the path to mainstream adoption.
Discover what's hot in the Aussie crypto scene, the role of education, and the vision for a more accessible and innovative digital economy
[0:06] Panelist Introductions: Harrison Dell (Caden Legal, Black Sheep Exchange) - Harrison Dell introduces himself, his crypto tax law firm, and his new exchange, Black Sheep, focused on user on-ramping and off-ramping.
[1:38] Panelist Introductions: Amanda (Swyftx Exchange) - Amanda introduces herself as Deputy General Counsel at Swyftx, highlighting Swyftx as a top Australian exchange.
[2:22] Panelist Introductions: Omar Muhammad (DigitalX - Bitcoin ETF) - Omer Muhammad introduces himself as General Manager of Technology and DeFi at DigitalX, mentioning their Bitcoin ETF launch on the ASX.
[2:48] Panelist Introductions: Lisa Wade (Digital Economy Council of Australia - DECA) - Lisa Wade introduces herself as Chair of the Digital Economy Council of Australia (DECA), the peak body for crypto in Australia.
[3:35] Industry Direction: Regulation, Innovation & Consumer Demand (Lisa Wade) - Lisa Wade kicks off the discussion, emphasizing the industry's move towards regulation, driven by Bitcoin ETF success and consumer demand.
[4:18] Crypto Access & User On-Ramps: Breaking Down Geeky Terms for Mass Adoption (Harrison Dell) - Harrison Dell discusses the need to improve crypto access and user on-ramps for mainstream adoption, beyond regulatory discussions.
[5:06] Regulation & Consumer Safety: Balancing Innovation with User Protection (Harrison Dell) - Harrison emphasizes that regulation should enable safe access and consumer protection without stifling innovation and freedom.
[6:16] Sustainability of Exchange Revenue Models & User Fees (Harrison Dell) - Harrison questions the long-term sustainability of exchange revenue models relying on high user fees, hinting at fee compression.
[6:52] Regulation & Education: Intertwined for Responsible Crypto Adoption (Amanda) - Amanda highlights the intertwined nature of regulation and education, emphasizing the need for informed consumers and responsible adoption.
[8:18] Future of Crypto Regulation in Australia: Global Benchmarks & Industry Engagement (Omer Muhammad) - Omar discusses the future of crypto regulation in Australia, referencing global benchmarks like MiCA and the need for industry and consumer engagement.
[9:59] Blockchain Technology Solving Real-World Problems Beyond Australia: Tokenization & Liquidity (Omer Muhammad) - Omar discusses blockchain's broader potential to solve real-world problems beyond Australia, focusing on real-world asset tokenization for liquidity.
[11:26] Real World Asset Tokenization: Securitization & Democratizing Finance (Omer Muhammad) - Omar elaborates on real-world asset tokenization, comparing it to securitization and its potential to democratize access to finance.
[12:29] DECA & Real World Asset Tokenization: Scaling Up for Mainstream Adoption (Lisa Wade) - Lisa Wade discusses DECA's focus on real-world asset tokenization, highlighting 2024 as the year of scaling up for mainstream adoption.
[14:59] Financial Freedom & Instantaneous Payments: Crypto Use Cases Beyond Finance (Amanda) - Amanda emphasizes financial freedom as a core value of crypto and highlights use cases like instantaneous payments with Stellar.
[16:10] Tap & Pay Fees & Disruption Potential: Democratizing Payment Fees (Lisa Wade) - Lisa Wade discusses the Epiphany of Solana phone and Tap & Pay fees, seeing crypto's potential to disrupt traditional payment networks and democratize fees.
[17:56] Australian Crypto Adoption: Trailblazers & Fast Followers - Swyftx Research (Lisa Wade) - Lisa Wade presents Swyftx research highlighting significant crypto adoption in Australia (11.35M users) and the "fast follower" mentality.
[20:30] Magic Wand for Australian Crypto Industry: Bringing Offshore Talent Home & Innovation Hubs (Lisa Wade) - Lisa Wade shares her "magic wand" wish: bringing back offshore talent, fostering innovation hubs, and supporting industry growth.
[20:51] Barriers to Innovation in Australia: Regulation & Tax Disadvantages (Lisa Wade, Harrison Dell) - Panel discusses regulatory and tax barriers hindering crypto innovation in Australia, leading to talent and business migration.
[22:51] Tax Burden & Investor Impact: R&D Grants vs. Operational Taxes (Omar Muhammad) - Omar highlights the tax burden on crypto businesses, questioning the effectiveness of R&D grants compared to operational tax disadvantages.


![Crypto Loans Without Selling: Block Earner is Bridging TradFi and DeFi Australian Crypto Convention
Imagine accessing the value of your crypto without selling it! James Coombes, CCO of Block Earner, delivered a game-changing talk at #AusCryptoCon, explaining how crypto-backed loans can revolutionize financial accessibility.
🔹What Youll Learn:
🔹How to unlock crypto equity without triggering a taxable event.
🔹The benefits of crypto-backed loans, lines of credit, and fixed-term options.
🔹Why traditional banks ignore crypto assets and how Block Earner is filling the gap
🔹Future innovations: Crypto-backed mortgages and borderless crypto credit
Key chapters:
[00:00:02] Introduction: James Coombes, Director and CCO of Block Earner.
[00:00:39] Releasing Equity Without Selling Crypto: The core concept and its significance in the evolving financial landscape.
[00:00:57] Jamess Background: Transitioning from traditional finance to decentralized finance (DeFi).
[00:02:01] Before Crypto (BC) vs. After Crypto (AC): Comparing traditional finance tools with the accessibility and inclusivity of crypto finance.
[00:03:18] The Membrane Layer: Block Earners role in bridging traditional finance and blockchain finance.
[00:03:48] Meme: Illustrating the challenges young Australians face in saving for a home, contrasting it with previous generations.
[00:04:26] Banks Ignoring Crypto: Highlighting the disconnect between traditional finance and the growing importance of crypto for young Australians.
[00:05:08] Block Earners Product Suite: Cash, DeFi access, trading, and loans.
[00:05:52] Loan Products: Line of credit and fixed-term loans explained.
[00:06:27] Daily Settlement: Australian dollar settlements at 4 PM daily for the line of credit.
[00:06:47] Loan Amounts: $50 to $5 million per user.
[00:07:37] Fixed Interest Rate: 9.5% fixed for the duration of the loan.
[00:08:06] Loan Repayment: Monthly repayments for a line of credit, flexible repayment for a fixed-term loan.
[00:08:23] Future Product: Crypto-Backed Debit Card: Tap and pay with a card backed by your crypto holdings anywhere Mastercard is accepted.
[00:09:23] Future Product: Crypto-Backed Mortgage: Exploring the possibility of 0% deposit mortgages using crypto as collateral.
[00:10:34] Lending Innovation of the Year Award: Recognition from WeMoney for Block Earners lending products.
[00:11:05] Supported Assets: Bitcoin, Ethereum, and others (Solana coming soon, but not meme coins).
[00:11:38] App Accessibility: Managing loans and accessing services through the Block Earner app.
[00:12:16] Local Currency Lending: Focus on lending in the users local currency (AUD, NZD, SGD, HKD, etc.).
[00:13:13] Crypto Storage: Using Fireblocks custody with multi-sig security and whitelisting.
[00:14:13] Self-Custody: Not currently supported but a long-term goal.
[00:15:47] Tax Implications: Potentially not a taxable event based on current advice, but not tax advice.
[00:16:21] Insurance: No government-backed insurance like banks, but assets are insured through Lloyds.
[00:17:29] Loan-to-Value Ratio (LVR) and Asset Decline: Process for managing declining asset value and notifying borrowers.
[00:18:29] 30-Day Cure Period: Borrowers have 30 days to bring their LVR below 55% if it crosses the 60% threshold.
[00:19:28] Mortgage Product: Details to be announced early next year.
[00:19:56] Interest Rate Setting: Based on Block Earners borrowing costs plus a margin, reviewed monthly.
[00:20:52] Refinancing: Possible if interest rates drop.
[00:21:05] Lockup Period: No lockup period after loan repayment; crypto is released the same day (currently 4 PM, soon to be 10 AM and 4 PM).
[00:21:46] Financials and Tax Returns: Required on a declaration basis, with lighter assessment if repaying with crypto.
[00:22:59] Business Lending: More flexible lending arrangements for businesses. Crypto Loans Without Selling: Block Earner is Bridging TradFi and DeFi Australian Crypto Convention](https://i.ytimg.com/vi/PCiGuU_WGPY/mqdefault.jpg)

![Bitcoin The Ultimate Retirement Portfolio? A Deep Dive with Stormrake | Australian Crypto Convention
Bisher Khudeira from Stormrake, an Australian crypto brokerage, shares his insights on why Bitcoin consistently outperforms other asset classes and why it should be a core part of any investment portfolio.
Discover why were still early in Bitcoins adoption curve, learn about the potential for a 10x return, and understand the importance of long-term thinking over market timing.
[00:01:50] Bishers Background: Financial markets experience, transitioned from foreign exchange to crypto.
[00:02:28] Crypto Combat Strategies: Presentation title inspired by Bishers interest in Jiu-Jitsu and boxing.
[00:02:43] Asset Class Performance: Chart showing Bitcoins historical outperformance compared to other asset classes.
[00:03:57] Bitcoins 4-Year Cycle: Identifying the pattern of Bitcoin outperforming every four years, followed by a correction.
[00:04:18] Bitcoins 2024 Performance: Up 117% year-to-date.
[00:04:27] 2025 Prediction: Another stellar year for Bitcoin, driven by institutional adoption and state-level game theory.
[00:05:38] Constant Bitcoin Exposure: The importance of maintaining Bitcoin exposure in your portfolio, regardless of other investments.
[00:06:03] Example of Market Timing Failure: A client who sold Bitcoin before the US election, missing out on significant gains.
[00:07:07] We Are Still Early: Comparing Bitcoins market cap to real estate and gold, highlighting the potential for growth.
[00:09:18] Bitcoin vs. Gold: Predicting Bitcoins market cap will equal golds within 4-8 years, representing a potential 10x return.
[00:10:57] Bitcoin Adoption Curve: Comparing Bitcoin adoption to internet adoption in the early 2000s.
[00:12:14] Altcoin Performance vs. Bitcoin: Chart showing that the vast majority of altcoins underperform Bitcoin and trend towards zero.
[00:14:34] One Bitcoin Can Buy a House: Illustrating the purchasing power of Bitcoin and its potential to grow significantly.
Get your tickets for the next Australian Crypto Convention: https://auscryptocon.com/ Bitcoin The Ultimate Retirement Portfolio? A Deep Dive with Stormrake | Australian Crypto Convention](https://i.ytimg.com/vi/QMAwccYV31s/mqdefault.jpg)





