Jesse, thank you so much for your amazing support for the Stellar community. Your cool laid back personality is a delight.

Can you please discuss if you think companies looking to be compliant in the US will be able to open new crypto exchanges inside of the next 3 months? I ask because I know regulations here may take a while to solidify.

Also, if you have time, do you think IBM’s Universal Payment Solution will be launched with the protections of a normal bank account such as insurance if your account is breached by theft or fraud?