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Is DeFi lending still alive? On TON, it's not just alive — it's booming. 🔥 In Kolo Podcast №5, we grabbed not one, but TWO guests for a chat: EVAA CEO Vlad Kamyshov & CMO Alex Onufriychuk. This episode is packed with hot topics — cold wallets on Everest, million-dollar rounds, and how Kolo x EVAA could revolutionize crypto payments forever. 👉 Follow Alex & Vlad on X: Alex — https://x.com/onufriy_alex Vlad — https://x.com/vld_kms What is Kolo? Your financial app to live in crypto — buy, sell, spend & swap! 💳 Crypto debit card 🏦 Personal IBANs 🔑 Crypto wallet What’s special about Kolo? • A virtual crypto card that works with just your phone. • Integrated with Google Pay & Apple Pay for seamless payments. • Supports any crypto — BTC, ETH, USDT, memecoins, and more. • Comes as a handy Telegram mini-app for easy access. 💳 Get Kolo Crypto Card now and take your crypto to the next level: https://t.me/kolo CHAPTERS 0:00 – Intro 0:46 – Guests’ path in Crypto 2:38 – Banking experience in DeFi 5:10 – First crypto projects 7:07 – Why hackathons matter? 9:38 – Cold wallet on Everest 12:01 – Media reaction & PR crises 14:36 – Marketing dilemma: hype vs responsibility 16:43 – The rise of crypto payments 19:31 – Can TON make crypto payments mainstream? 22:27 – Why DeFi lending matters 27:38 – Crypto lending to fund everyday purchases 31:29 – Buying a car with crypto loan 35:22 – Mitigating risks in DeFi lending 39:04 – Learning how to liquidate on-chain 42:48 – Crypto credit cards 46:32 – Crypto credit cards' influence on finance 50:16 – HODL vs. Spending 55:01 – TON: next thing for mass adoption? 1:02:31 – Vision on DeFi in the next five years 1:10:01 – How whales change DeFi lending? 1:15:01 – Final thoughts