NYC 80's kid to homeless, startup hustler. His latest venture, Paxful, is helping unbanked Americans and Africans use bitcoin.

Growing up in Hell's Kitchen, he developed entrepreneurial grit at an early age.

Ray went through many ups and downs. In an especially rough patch, he was homeless for a few months.

Today, Paxful is a major player in the African Bitcoin scene.

We talk about the absurd limitations that Nigerians have to deal with and where Bitcoin and gift cards can help.