Uploaded January 2026 | Updated September 2026, 4 days ago
In this timely panel discussion, Jason Titman, Matt Poblocki, Tamas Szabo, Kate Cooper, and Amy-Rose Goodey explore how governments and regulators can move from friction to frameworks that foster innovation. Covering policy clarity, collaboration with industry, and the balance between consumer protection and progress, the session examines what’s needed to support the next generation of fintech, crypto, and Web3 development.
🎥 Recorded live at AusCryptoCon 2025.
In this timely panel discussion, Jason Titman, Matt Poblocki, Tamas Szabo, Kate Cooper, and Amy-Rose Goodey explore how governments and regulators can move from friction to frameworks that foster innovation. Covering policy clarity, collaboration with industry, and the balance between consumer protection and progress, the session examines what’s needed to support the next generation of fintech, crypto, and Web3 development.
🎥 Recorded live at AusCryptoCon 2025.

![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)






