That means that you can invest as much or as little in our
ecosystem and derive all of the benefit of crypto products,
which is growing in value with all of the certainty of
investing in real estate. That's what it means.
So you have the power to invest with the security of real, real
world assets backing in what we are doing through purchasing our
token. Simply put, invest as much, as
little as you want and you're secured by real world assets.
That's all recorded on the chain.
Come to our website when we launch and you'll see it, I'm
sure. And then the choices, the choice
is entirely up to you. But our model is all about
providing the same opportunity that is until now really being
available to professional sophisticated investors,
institution investors, to anybody willing to partake in
supporting us building others. Welcome to the King Dems
Podcast, where business leadership meets growth mindset
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date for new episodes. We're live.
Ladies and gentlemen, you once again welcome to the King James
Podcast and Diary of a CFO. And today I've got with me
fighting out of London, England, Mick Walkham, Chris Baldry,
Cheerio. How are you, Chris?
Hey, I'm really good. Thank you.
Really, really good. Good to be a continue the
conversation and that's it Rhonda, I'm on.
I I was tempted to to always say Chris BC.
Yeah, let's let's get past that. He just.
Makes it easy. He he just makes it easy.
Yeah, I'm really. Glad, you know, having you, I,
I, I'm very, very happy having you on the podcast today.
And, you know, thank you. I've got 2 podcasts, right?
The King Games podcast and diary for CFO.
Yeah. And the best guests you can ever
have are the guests that are able to, you know, be on both
platforms. So come on, no longer you
called? No don't worry you called BC.
BC could mean Baudray Cheerio but to me BC is a BI champion
because he can be on 2 podcasts. Perfect.
So sit back, relax, and of course, let me read out your
introduction. So today on the podcast, we are
joined by a tree innovator redefining the future of money
and property. Crease BC, if you like, is the
CEO and Founder of Construct Coin, an AIM blockchain powered
real estate finance platform disrupting our 280 USD trillion
global industry. So from his military background
to building an AI protocol that reduces loan approvals by 95%
creases pioneering 1 of the broadest token presales in
history, aiming for $100 billion in sustainable growth with real
estate backing, a real asset backing visionary Be the Bank
philosophy and operations plan in the UK, British Virgin
Islands, in Dubai. Chris is here to unpack the
intersection of AI, blockchain and real estate and how it can
change the financial future of everyday people.
Ladies and gentlemen, let's dive in and make welcome again Chris
BC see the show. I'm still celebrating that
introduction. Wow, fantastic.
Thank you very much. That is what we are doing for
sure. You know, it's it's really
topical at the moment, certainly in the UKI think, I think
housing and and housing provision and the finance around
it is a huge thing globally, but in the UK it's really, really
topical. So yeah, thank you for that
intro. Let's let's let's get into it.
I'm really, really happy to be. A scary the party started.
You know your journey is actually taking you from the
British Army to property development, consumer goods and
of course now fintech innovation.
So what were some of the key minds achieved that prepared you
for this quantum? Journey, yeah.
So look, I think it's, it's really difficult to articulate
the chronological order, chronological order of all of
this, right, Really concisely. But life has been a journey as
it is for all of us, right? And I think I first got into
property development and property early, early level,
early stage property finance is the first part of my career,
learning about structuring deals and and refinancing mortgages
and self build mortgages in the UK.
And I think that the entrepreneurial streak in me was
really set alight when I discovered ways of using the
banking system to generate wealth through the acquisition
of property and land. I was too young to really
embrace the opportunity and fully understand it.
And having built some foundations academically,
professionally for a couple of years, I learned a huge amount
about the industry but wasn't quite ready for the execution.
And I still had this athletic mindset that pulled me into a
different direction of self improvement and, and you know,
this better version of myself, which has led me to elitism in
the military, I think, and, and pursuing a part of that, which
was part of my boyhood, as most, most young men have this desire
to play with big trucks, big toys, big loud toys and, and
embrace that as a part of my life that I felt I needed to
just satisfy without really considering what that really
meant until I actually started doing it.
And, you know, there was a paradigm shifting in my mindset,
which was consolidating a lot of that early years learning and
that entrepreneurial flare that I'd sparked.
And that gave me the confidence to step outside of that military
world, take that first step on a new journey, and fire up that
entrepreneurial desire that I had to translate that into
opportunity that started to build a foundation for my life.
And what subsequently followed? You know, reality is different
from daydreaming. When I talk about these big
toys, when it becomes real, it's a different.
It's a ball game. But you know, something I
appreciate about you is the fact that you are, when I say, when
they say when life gives you lemons, make lemonade.
If that scene was a person, you should be like an embodiment of
that scene. You are like the poster boy of
that scene, actually. And of course, you've actually
spoken about how failures have actually helped to shape your
path. Can you share if you wish you
know one or two setbacks that became turning points for your
entrepreneurial journey? Yeah.
So let let me show you something that we didn't talk about.
That is a story that's I'm quite comfortable sharing now, but
it's quite close to my heart because quite early in my early
years. So it might make some of your
listeners laugh if not you, but when I was.
I I can laugh at the drop of a needle.
You know so my. Mom is.
From South America, right? My mom brought us up, you know,
in a very humble, humble space, my sister and I, and I'm about
this thing, as most mums do, about losing keys and what to do
if you lose your keys, right? So that stereotype, you lose
your keys, every lock in your house, but up and down the
street needs to be changed, let alone your own house, right?
And I and I, I had an incident after one day at school where I
was on my bike, put my hand in my pocket as I was talking to
some friends, pulled my hand out of my pocket and my keys
literally slow motion hit the bike frame and fell to the
floor. But as they fell to the floor, I
was above a storm drain. It literally landed on the on on
one of the throngs of the rail and just rolled into the storm
drain and dropped down to the bottom of the store drain.
I was just watching this in slow motion thinking Oh my God, Oh my
God. And I thought to myself, what am
I going to do? And of course, I went home that
night and explained to my mom that the the keys had lost
falling down the drain. She just wasn't, she just didn't
believe it. She just was not having it.
And of course I knew I just, I could how, how do you make
someone believe that your keys are in the drain and necessarily
there and saw it, let alone your own mum, right?
And I knew the panic. I could see the panic in her
face on setting that she was going to change every lock in
the house. She was going to chat.
Even though, you know, let's think about this rationally.
Your keys don't have an address on it.
There's no identify to a specific house or who they
belong to. So even if I had dropped them on
the street and someone picked them up, no one's going to know
they're my keys or that they belong to our property, right?
So here's the thing and the panic it's set in.
It's the. Paranoia.
Bro, unbelievable, right? And we laugh about this today,
but at the time it was like, I need to get those keys.
So I jumped back on my bike and I rode back to the road that was
around the corner from my school.
And all I could think of using at the time was a bottle.
I think it was a bottle of Coke, plastic bottle of Coke, I can't
remember. I knocked on a Gore, Gore got
some scissors and cut it open. I didn't tell them what I was
doing is saying, look, could you please help me because I've lost
my keys blower. I lifted the storm drain up and
then I started emptying this drain.
I'm just going to say to you, this started at probably 4:15,
half past four, at 20 to one. That morning, that night, that
morning, I finished, I'd emptied the drain.
My dad, my dad had come over. He didn't live with us.
My dad had come over and had come to where I was.
He had some dry cleaning in the car.
Glitchy emptied this storm drain and he'd helped me.
At that point, he was holding me upside down because I was, I was
not leaving. I was not leaving until I pulled
the keys out of that drain and I'd scrape the sediment off the
drain. Anyway, the moral of the story
is that he hung me upside down. I'd used a coat hanger to scrape
the bottom of the drain. It'd taken best part of 6-7
hours to empty it. And I finally pulled the keys
out. And that moment, like I sort of
picked the keys up and went, there's my keys.
That was a defining moment for me.
I didn't realise at the time, but you know, I, I remember
years later, my dad saying to me, you know, there's a
determination in you that's a rare quality because you were
determined to prove that, you know, those keys were there,
right. And so that's, that's, that's
the quality that stayed with me. And whenever I faced a
situation, whether it's athletically, whether it's
anything to do with, you know, just needing to get stuff done,
that has always been one of the few reminders in my life that if
you're absolutely certain you just need to go, you just need
to get it done, finish whatever, whatever it takes, just get it
done. So, so that that that is
definitely a theme. And then the other bit is just
just that self belief. You know, you've got to back
yourself. You absolutely have to back
yourself and you have to surround yourself with people
who believe in what you're doing, but also have the
strength of character to believe in themselves.
And you know, taking those steps is I think is absolutely is a
mixture of things, you know, but just just get it done.
Fundamentally, just get it done. I love, I love, I love this
story. You know, it basically aligns
with the theme of The Kingdom's podcast.
The theme of The Kingdom's forecast is growth mindset,
leadership and business insights, right?
And I always love me a guest that aligns with the theme of
the podcast. I set out to do just two things,
to educate and to motivate. If I have those two things done,
I think my job is done. Yeah, we're winning.
I'm I'm grateful to have people like you do the job for me.
Talking about how we how determined we are to find our
keys, right? But let me tell you something
Anyone that's nice about? I'm telling you.
Anyone that knows about South American mums will understand
the significance of that event in my life in terms of keeping
the peace. But you know, I, I think as with
all things you, sometimes you just need to take the first step
and, and the journey of life is one of learning, right?
We have to embrace, we have to embrace every, every task as an
opportunity. We learn from our mistakes.
If we, if we fail, if we get things wrong, just pick
yourselves up and go again. You have to fail in order to
learn this idea that everything is going to be perfect is just a
myth. The world just isn't like that,
right? And the world today, especially
with technology, will make you think that everything is shiny,
everything, everything's going to go perfect.
That's just not what it is. But you have to go through
adversity A to appreciate, but also to achieve.
You know, no outcome is possible without some level of work
ethic, some level of commitment, some level of, of, I want to say
anxiety. That's probably not the right
word. But you, you just have to
commit. You just have to commit in every
task. And I think this has probably
been a consistent challenge to me throughout the years is, you
know, is finding your focus and finding the things that you're
passionate about. And I think that that passion is
your fuel. But if you can enjoy what you
do, you can be happier what you do.
Passion is very, very important. It's no longer a task.
So then you just think about
what you chasing and why and where are the priorities and all
of that, you know, and that's the analogy.
Sometimes it's just about doing things right.
Sometimes it's about doing what needs to be done.
And, and most of all, it's about doing things properly.
And I think people embrace that. People respect that, people lean
towards that and adopt that in their own mindsets.
And if that's something that people can take away from being
around you, that's got to be a good thing.
Absolutely, Absolutely. The very last thing you said, if
that's something people can pick from you, that's, you know,
really a great deal. I remember like recently, I
think a few months ago, like an ex colleague of mine called me
and guess what they said this lady was like, oh wow, I'm
really, really proud of you. I'm like, oh, why?
She was like, oh, the way you have built your podcast from
ground, you know, to a globally, you know, recognized brand, like
it's really amazing. I see your hard work, I see your
consistency and I'm like, oh, wow, so people loop, right.
People see people see your beauty and and guess what?
This person was like, I need to come take a master class from
you to learn how to be consistent.
And like, excuse me, like there are certain things I don't think
you just can't teach a person. Like how do you teach
consistency? It's contagious, right?
Growth mindset is contagious and success breeds success, you
know, and there's a, there's an alchemy that attracts when
you're doing things right. I think when you're doing things
properly and, you know, and I think that that's one of the
beauties of humanity is that we, we shine as human beings when,
when we're doing things properly.
And, and I think that that aspiration is, is, is in us all.
It's in us on the it's the right and wrong thing.
You know, it's about understanding, you know, that
you can do things better and that you can be better.
And that applies to so much in life.
You know, it's a central theme of everything that we're doing
at the moment. And I say we, you know, I'm the
CEO of Constructor and I'm leading execs in the business,
but there's a few of us and we all have that same mindset.
It's how do we, how do we do things better properly, but do
it humbly. You know, we don't need to be
shouting off the rooftops about what we're doing because we're
doing it. But it doesn't mean we can't
take pride and talk about it and be our own advocates.
But I think there's a real subtle difference and I think if
you. Don't blow your trumpet.
Who? Who's going to blow from?
It. Yeah, exactly.
Right, Exactly. But when people take note and
recognize those things, that's a really endearing moment.
So I think for you to have. Yeah.
A lot. Speaks a lot.
Very, very endearing moment because like it's crazy and you
know, somebody called me one time and I was like, well I see
the work you do. Like I see you have posted
without feel every week and it's crazy how the necessity told me
that the only time I saw that you took a break was in January
this year and you did not post for two weeks.
And when you came back, I saw that you rebranded your podcast
and I was like, wow. So people actually notice and
this is somebody that doesn't even post a single comment on
any of the platforms, but they're telling me what exactly
I am doing. I'm like wow.
You got real fan Raven Tech that's a good book to read by
the way, brother, that's a great book to read.
Highly recommend rate rate and about customer service and the
importance of valuing valuing your customer base and making
them really feel that value. You know, not in a transactional
way. You know what like we were
talking about how software companies tend to operate today.
There's a process, the perception of service, but the
depth just isn't there. You know, really isn't.
It's all about the. Customer service.
Yeah. That, that that's, that's a
whole podcast on its own. That was episode 100 of my
podcast with a guy here in the UK.
You're on you're on Diaz, right? We, we delved into customer
service and customer experience. I think guys go go watch it and
of course, yeah, it's it's a really great work.
It's it's crazy how you know, customer experience ease in this
age and time, right? You and me could go to the same
restaurant and have different experiences, right?
However, the companies, especially these software
companies these days, think they can create an experience and
push it on you. No.
And they have a false sense of customer service.
Especially these guys who just take your money and force you to
interact with AI tag parts. A process is, yeah, the most
annoying thing. That's the most annoying thing
that has ever happened in human history, in my opinion.
I start to be corrected. Ultimately, it doesn't lead to a
great brand experience, sorry, and it doesn't, it doesn't lead
to you being an advocate of that brand or the experience you've
just had. That's the thing, right?
And I think that when we talk about society and where the
change needs to happen to reflect where we want to be
rather than where we are, it's about the, the commercial
narrative around a lot of what happens today and how things are
delivered, communicated, the access to information, how that
information is transmitted and the passage of that information.
You know, and there's some fundamental flaws in the
progression that we've made in the last 20 years that have
shaped the mindset of people and, and what they think is
right and wrong in, in circumstances.
And that transaction, be that physically or digitally, has
captured a lot of those errors and turned it into a process,
which just isn't acceptable when you're, when, when you're
talking about how you should engage.
And don't get me wrong, there's, there's, there's a time for
parameters. And yes, every business has a
right to generate a profit, but the experience and value in the
people that enable you to generate that profit is a key
part of it. And I think once that shift is
addressed, then there's a, you know, the follow up of that is
how does that translate to the world we live in?
And, you know, the society that we're building and for us in
construct coin and, you know, the, the, the initial product
and, and, and actually the application is the output of
what we're creating and, and the shaping of society through the
communities that we build, through the houses that we're
building and the, the living space that we're creating in the
developments and how people value that living space, how
people, how people engage with that living space.
And, and it's a mindset, it's a mindset shift that starts at
home And, and you know, the, the, the transaction.
Charity begins at home. But it's where it starts, right?
And, and, and how you live determines how you start your
day, you know, how you engage with the rest of the world.
So customer service, it's a huge subject, the mindset of
commercial operations for customer service for profit.
How do businesses engage? Well, that's about the fabric of
society today. You know, it really is.
And I think when when we talk about what we're building and,
and, and what we want to do, it's about actually how to
change, how to create opportunity, how to get people
plugged back into value in their communities, their living space.
And, and changing the way that they want, they engage with the
world, you know, because you don't feel that you need to
take, take, take all the time. It's you can give back.
You can feel that this purpose you invested in your space, you
invested in asset that is yours. And all these things are
connected and they shape our outlook and how we and, and, and
how and, and, and how we innovate, how we grow and how we
how we go about achieving those things.
You know, one thing I'm really happy with what you guys are
doing is the fact that you are merging AI I'm blockchain to
revolutionize real estate. Have you taken a look at my at
my initials? Yes, yes, yes, yes.
I said So what are my initial? Well, a.
A. They take away the O.
What do you have? Well AI go on break it down for
me. That's AI brother, I'm saying.
I saw that, I know that. But you're not the artificial
intelligence. I'm sitting there waiting for
the, for the, for the moment of me.
Whatever you think, whatever you think, my parents did the right
thing. They knew, you know, over 30
years ago that this, this guy, this guy's going to be special,
they thought. You were going to start thinking
of all of us. Yeah.
So, you know, you know, with with all this stuff at him, it's
like it's community start communities with that living
space, right. And you know, we were just
talking about customer service because that's a representation
of people's mindsets and a representation of society as a
whole. Just basically about just get,
I've got to get the money. I've got to get the money.
You know, the focus is shifted to just getting the money when
it really should just be about how we're bettering, how are we
bettering what we have, how we create opportunity, How we how
we empowering the younger generation to plug into the
future, to fill investors in developing themselves and the
world that they live in or the part of the world that they live
in, not just about taking, taking, taking.
And we really believe that that starts at home and that starts
in the living space that belongs to yourself, that belongs to the
broader community that live around you.
You're all invested in that, you're all looking after that
you value that, you know, and then you set yourself another
goal, which is about how do I, how do I do more of this?
And, and everyone has different ambitions in life, right?
But for those that want to be builders and creators, it just
lays the, I guess the foundations of your thought
process. It changes your sentiment to a
degree. And I think that the utility
that we see in in AI, in the opportunity to accelerate
housing through rapid access to finance for developers, the
opportunity to create an ecosystem whereby we are able to
give token holders, investors the opportunity to invest as
much or as little as they want in this ecosystem.
So they can be the bank. It's not just a set of words,
it's a very thought through mindset that you're opening up
what has been a closed door opportunity to anyone that will
partake. Where jurisdiction, regulation,
regulatory requirements will allow you to.
You know, when we are creating tools that enable the reshaping
of an entire ecosystem within an industry, from the finance to
the build, to the the services aspects of the sales and letting
all the way through to the real world utility of that living
space. How that can generate income,
how that house can look after you or that property can look
after you in a way. And how you can part own or own
in full if there's so many different opportunities for
people vested in what we call the homes of the future.
And it starts with finance, you know, so looking at that
holistic. Absolutely.
It's a finance. It's not so finance, but looking
at it holistically, it's just creating the opportunity for
everyone to be as involved as much or as little as possible.
You know, houses will come and go, the land that property is
built on will change. You know, there'll be developers
today that aren't here today tomorrow, and there'll be
developers that stand the test of time.
But the one consistent theme in all of that from people that are
making money to people that aren't making money is the the
entities that are provided that infrastructure and that's the
banks. And that's been a consistent
theme for a very, very long time.
And that that creates a huge well lace the sets of foundation
for quite an imbalance. And So what what we're creating
through the the world of digital currency and crypto is, is the
opportunity for that imbalance to reset, albeit on a much
smaller scale, but it's still an opportunity for it to reset for
people to partake who want to partake.
And as a direct consequence of that, you're creating an entire
new infrastructure for living, as well as industry advancement
and development within, within real estate across the board.
So, so those, the, the mindset that I'm referring to, the, the
commercial mindset is, yes, every business has a right to
make a profit. It's just what we're in business
for. But it's about doing things
properly. And what are the, what are the
implications of that business's operations on the ecosystem that
you operate within? And if you're today, we have to
be doing good for society. We have to be good doing good
for the environment, for the economy, you know, these all
responsibilities of business leaders today, energy
efficiency, energy sustainability, as well as
wealth generation. You know, not just for a small
few for the masses or anyone that wants to partake.
And in doing so, you're also creating opportunity because
you're building businesses that employ people, you're
contributing to the economy through the traditional taxation
systems and so on and so forth. But but people have to be
invested in that growth and that and that's a big thing for us.
So when I talk about, and as you highlighted that sort of that
principle of customer service, that that really does just
highlight the, the really thunderous noise of what is
wrong with society today, that, that, that, that this is a part
of creating a momentum of changing, you know, and you
know, and we're not the only people doing that, that I I
think that the decentralized world, there's a lot of that
mindsets about spreading the wealth and creating innovation
and speeding up the pace of innovation and opportunity in
different parts of the world through the movement of data and
information. All these things are highly
relevant, right? But but that's, that's our
thought for our, for our contribution.
That's that's where our flag is in the sand.
And I think that a lot of what I've done and seen in my early
years and, and my sort of military experience just really
highlighted the need as I have felt exposed to this opportunity
to partake and have the confidence to take those steps
and start that journey. You know, I appreciate you
talking about how the landscape of the, the, what I say, the
finance world globally is changing, especially with
decentralized finance. We, we, we're seeing a new trend
and of course new financial culture taking shape, albeit it
might be slow, right, due to certain traditional resistance,
but over time we will see that wholesale change happen on a
global scale. You and your team have actually
introduced A-100 face token, a presale model, right?
And of course something no other crypto project has attempted.
Why is this bold approach taken and how does it protect against
the pomp and dump cycles that we have seen in the crypto?
World coins, Yeah, I think, I think so.
I think it's important to separate past from present and
some of the smoke and mirrors products and projects that exist
in that sort of digital currency work those.
Meme coins are annoying brother. Bro I still I still don't
understand meme coins frankly speaking.
I mean if people want to invest in stuff that's their
prerogative right? And they exist for a reason.
But but the, the, the, the proposition just to answer the
first question. So, so we're, we're in 100 phase
pre. So we're not actually the only
people to do that. We're probably the first to
really clearly articulate the plan.
But within that there's actually quite a few milestones, right.
So the first one is obviously our launch and talking about how
we have consolidated the activity off chain to provide
the security for token holders on chain.
Now one critical part of all of this is that every development
that we're engaged with provides the security to our token
holders. So first and foremost we have
today we have just over 13 1/2 a million on chain and in
security. There is another I can't quote
the full number, but that's going to ramp up quite
significantly with with some deals that have been executed
through the pre launch phase recently.
And the the purpose of that initial position is to establish
our loan book to fund the developments we have in our deal
flow right now with developers who have MVP D our initial
product and we've been working with to roll this out right.
The second part of it is that I've been very vocal as have
members of my team in the traditional construction world
about what we're doing and what we're building in the Southeast
of England specifically in terms of sustainable family homes.
So that the narrative of a pump and dump I think can't really
come anywhere near us because we're very we have a very clear
road map. And what we're doing is
demonstrating how we are pioneering change as well as
bringing about some pre-existing change in a consolidated fashion
into living space in in this part of the country.
From the energy generation to the use of water filtration
systems for efficiency, there's a real cool use cases in, in
what we call a smarter home, as well as some of the stuff that
will just appeal to tech native people who who want to be
connected to the latest bits and pieces that they use day-to-day
in their home. And of course with the, the
phases of our presale that set out over a period of time.
So within that we have our token generation event, we have our,
we have our certainty that a point in time in the not too
distant future, we will be launching that token across
exchanges and token holders that have invested will see the
appreciation of that token. And again, at all times we're
adding developments to provide the security to those tokens as
well as rolling out some of the other features and functionality
that will exist in the protocol, which we're really excited
about. South the Construct Queen as a
protocol is all about the network that we want to build,
that we want to encourage other organizations to build within.
And and those things are the things that separate us from
some of the horror stories that we hear about that have been and
gone. And the truth is, when you.
Speaking of horror stories, I have a Horror Story for you.
And and that's the thing. Right.
So that that is bio, I don't know if you had a bio, have you
had a bio the the client for the Pharmaceutical industry?
Go tell me about. It, that is, that's a very
horrible Horror Story. I, I did invest in that client
personality, but it was, it was bonkers.
And so they, they claimed that they were meant to be that token
to help with pharmaceutical research, you know, medical
research and help to revolutionize the, you know,
pharmaceutical and medical industry.
However, you know, they got launched on Binance and that
coin only kept on falling. I don't know what it is right
now, but I think it's it's next to nothing right now.
It's crazy how you know, some of these guys come up with
interesting, fantastic, you know, use cases, white papers
and they just go down the train. Yeah.
And that's the thing, right. So you just hit the nail on the
head. And what I was getting to is
that the real world utility is how does this business actually
make money, whether it's digitally or physically, how
does it make money? Our token holders and our
business is making money. Now we were able to launch our
on chain protocol because of what we've established off chain
before we started our private round.
And we are late in launching because we've been investing in
technology, developing the MVP, because we've been we've gone
through all the trial and tribulation of early stage
companies as we've been raising money to fund the developments
that will provide the security to the ecosystem that we're
building. You know, and that, that has
been a process which you've also learned some of the problems
that we're trying to solve, learned of some of the problems
that we're trying to solve, you know, in a way that we hadn't
considered whilst we were scoping what the opportunity
would be, you know, in the early and the early part of our
journey. So, you know, the, the, the real
world utility, the real world assets behind what we're doing
provide the community with security, right?
But it's about how we then evolve and, and going back to
what I said at the beginning, it's about the, it's a change
that we want to bring about that we want to execute.
And there's three pillars to our protocol.
The first one is AI in lending and there's a regulatory route
yet, which we haven't even got off the ground, which we will do
in year 2 for retail. It's the AI in the sales and
lettings process. So that speaks to
disintermediation. So the transition of the
traditional estate agent embracing AI technology.
So that's about automation and efficiency where we are
trialling and developing the use case around the sale and letting
of our own property developments.
And then the third pillar is AI in a home.
And how does a resident occupying a new home embrace
that process in a really personalized, really thought
through way, which is about, for example, programming hardware in
the property for personal experience, be that boilers, hot
water temperatures, for example, climate control, be that energy
efficiency through water or energy generated through
Photofare technology around the development.
And then being able to utilize that energy in some form of
trading format, which speaks to the wallet we're launching and
the ability to receive your credit in your wallet from the
energy generated within your development.
So the real world utility is about how we're changing the
idea of a living space. And then the fundamental piece,
which is the bit that we are also really excited about, which
becomes a mainstream activity in the fourth pillar in the second
year of our launch, is the opportunity to embrace a
different mindset for a generation of people who feel
they're locked out of owning a home.
And how we can offer a solution to home ownership that has only
existed with social housing and the stigma of housing
associations. And, and change the, the mindset
for a generation of people who feel like they haven't been able
to, to get on the property ladder and to make that
attainable, to make that achievable through the
developments that we're funding and building.
And that will also involve partnerships with, with many
more developers, but we are working with a handful now in
the Southeast to roll that out, to develop the use case and then
to take that to scale. So the UK government has a
housing shortage of just under 1.5 million homes in the next
five years. And, and you know, the issue is
not just about planning. Let's, let's, let's be real
about that challenge. It's not just about the
bureaucracy, it's about the funding.
Critically, it's the, the elephant in the room.
And there are many small, medium sized businesses in the
development market that can be a part of solving that problem.
We're focusing on the ones that are able to meet our criteria
for our appraisal tool in order to fund and build those
developments and at the same time roll out of smoke to home
initiatives to deliver some real tangible benefits.
And at the end of that, as I say, it's making those units
available to a demographic in society that may not have felt
that they could even own a home. And of course, once they're
embracing, most people are able to embrace the opportunity of
owning that asset and achieving that lifelong milestone.
Once that boxes ticks, what else can they focus on?
You know, at the moment, there are many young people and
middle-aged people that are paying rent every month and just
burning that money and just have no hope for the future because
they feel that their money is just hand to mouth every month,
every month, every month. And that's a mindset shift that
has to change. And that is also what I was
saying to you as what we were discussing earlier.
It's just the mindset of corporations where it's just
about chasing that profit with no no regard for society.
So our community, our protocol, the movement that we want to
create is how do we rebuild literally from the bottom up and
that needs to be financed. But those 4 pillars are the very
basics of the mechanism that we're creating within Construct
Coin. And an underpinning all of that
is the technology of state, the on chain activity that builds
the integrity for us to enable other businesses to innovate on
our chain when we get to that point.
And that speaks to the latter part of our road map, which is
how we evolve as an organization, which I think will
be a conversation for another episode mainly.
I understand that your mission is to be the bank.
And what does that mean for ordinary investors and
entrepreneurs that are listening to us right now?
Yeah, really simply so as you highlighted, so we're in this
hundred phase presale that will start in two weeks.
That means that you can invest as much or as little in our
ecosystem and derive all of the benefit of crypto products,
which is growing in value with all of the certainty of
investing in real estate. That's what it means.
So you have the power to invest with the security of real, real
world assets backing in what we are doing through purchasing our
token. Simply put, you invest as much,
as little as you want and you're secured by real world assets
that's all recorded on chain. Come to our website when we
launch and you'll see it, I'm sure.
And then the choices, the choice is entirely up to you.
But our model is all about providing the same opportunity
that is until now really been available to professional
sophisticated investors, institutional investors, to
anybody willing to partake in supporting us building out this
ecosystem. Yes, please.
So we are construct coin with the K, So construct and coin
with ak.com and you will thank you for the opportunity to say
that construct coin KK for coin.com.
OK, that's you live at when? We'll be live in two.
You live when? Live in two weeks, 2 weeks.
Interesting stuff, interesting stuff.
So I'm going to let you go soon, but I would have to put you
through the Pacific Ring of Fire that is the Creek Fire round.
So give me your answers in just 10 seconds, 10 seconds, please.
So we're Fast forward to 10 years from now.
What impact do you hope that Constructoire makes in the
global real estate and finance space?
Oh wow, we want to have contributed to the housing
problem in the UK and to create a model that can be used
elsewhere in the world. OK, there you go.
And of course, what's the best business advice that you've ever
received? The journey of 1000 steps starts
with the first step. Take the step.
Oh wow, we see that a lot in Nigeria.
OK, so what's one book that has changed your perspective on
business, on life? Do you know what?
Someone asked me this the other day, and there's this.
This is the book that absolutely inspired me in my early teens.
It's Victor Kim, How to Be an Entrepreneur.
Victor Kim. He was the guy that bought
Remington Razor in the late 70s. Victor Kim, How to be an
entrepreneur. That's that's the one.
OK, we need to go get and grab that book AI or blockchain.
Which one excites you more right now?
Oh, well, that's that's a really loaded question given where we
are, but but you know which one excites me.
OK, do you know what the the possibilities in AI excite me,
but I'm mostly. Let's leave it like that because
I'm AI say no more, say no more. Don't get Andre upset.
So if you were beauty in construct, if you weren't beauty
in construct coin, what career would you be pursuing?
Oh wow, that's a rewind moment and I can hear the clock ticking
in the background. I.
Would be I'd probably still be in the military in some way
shameful form helping. OK, OK.
Thank you. Thank you very much, Soldier
Boy. Soldier Boy is has been really,
really great. Happy.
It's a day. And of course, Speaking of time,
right, there's some people say that an attitude of gratitude is
good attitude. And of course, when somebody
shares their time with you, they share their life with you
because the SI unit for measuring life is time.
And of course, love and respect to you for sharing.
Your time with. Us today.
And of course, to the audience, guys, go do the right thing.
I've got soldier Ball with me. If you don't share and like and
comment on this episode, come on, The Army is coming for you.
We're not. We're not sending the police to
you. He really doesn't mean but if I
always stare into the scribe right and comment.
Tell us what you think. But no, it's been really good to
to chat. Absolutely, absolutely brother.
Do you want to leave a shout out foot to anybody before you run?
Everybody that's starting their journey, that's my shot.
Everybody that's starting the journey, the book is yet to be
written. So just get started sitting
there wondering. Just do, just do.
Embrace it, go after it, just do it and enjoy the journey.
Enjoy the journey, just do it. Wow, I really appreciate you.
Like you stole my life. I appreciate you, brother.
You stole my life because I only see at the end of the podcast,
right? Everybody go for something in
your life, right? And of course, my buzzword, of
course, my line is conceive, believe, strive to thrive and of
course, achieve. I love guys.
For me it's goodbye. And of course, from the Soulja
Boy crease before Christ, it's it's goodbye.