In this fireside chat, Cardstack's Founding Director Chris Tse and Masa Finance's Founder Brendan Playford talk about Masa's DeFi credit protocol and their vision for the larger Web3 ecosystem. Masa Finance's credit protocol comprises a decentralized credit bureau and an embedded lending protocol. Its non-fungible credit reports, composable credit primitives, smart contracts, and liquidity pools enable developers to launch sophisticated credit products in DeFi to match the existing centralized credit system. Introduction (0:00) Decentralized credit (1:05) Standards of credit (3:29) Reconciling data sizes in Web3 (6:58) Ensuring privacy in Web3 (10:23) KYC (16:24) Multiple vs singular scores (20:34) Developments made possible by data transparency (23:36) On-chain data and revenue (28:21) Composability and wallets (32:01) Solving problems in Web3 with different toolkits (35:01) Web2 integration (37:50) Do you think wallets will eventually become single login? (40:57) Creating value through credit entry in Web3 (43:36) Diversification of funds as next step in Web3 (46:26) Algorithmic credit (49:50) Conclusion (52:30) Our Web3 Watch fireside chats are also available as podcasts: Spotify: https://spoti.fi/3PEgagy Amazon Music: https://amzn.to/38HN4fP Apple Podcasts: https://apple.co/3NwWFVm Google Podcasts: https://bit.ly/3NycBXo Anchor: https://bit.ly/3wLjEX3 #Cardstack #MasaFinance #Web3Watch