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Vlad DeGen, TON’s DeFi lead, Kolo Podcast #4 guest shares how he jumped from game development to building early DeFi infrastructure. From hackathons to testing every protocol on Ethereum, Vlad walks through the rise of DeFi — and his role in it. An unfiltered look into crypto’s wildest years in the full episode — • Kolo Podcast #4: Insights from TON DeFi - ... 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 00:00 – Game-dev exit 01:50 – Banks? Hard pass 04:06 – First taste of “pre-DeFi” 06:10 – What started it all 08:15 – Crash-course: smart-contracts & wallets 09:30 – Hackathon grind 10:50 – First grant: wallet, DEX, lending 12:10 – Scaling into a company 13:15 – DeFi at $10M TVL 14:30 – Testing every new protocol 15:10 – Sharing know-how