The Tearsheet podcast often explores the intersection of financial services and technology. What makes this exploration unique is its focus on emerging trends, like the connection of the Web3 technologies of crypto and blockchain with the traditional finance ecosystem. Today, Bam Azizi, the co-founder and CEO of Mesh, joins me on the podcast.

Founded in 2020, Mesh is an embedded financial platform designed to simplify crypto transactions by enabling real-time connectivity and asset transfers. Previously, Azizi co-founded the cybersecurity company, No Password. Azizi has a strong background in robotics and software engineering. 

He is now leading Mesh towards a future focused on tokenized assets.“Everything will be tokenized because it’s easier to transfer and build,” says Azizi. He emphasizes the importance of addressing market gaps. Mesh integrates exchanges and enables crypto payments.

The Evolution of Crypto & Embedded Finance

Embedded finance has emerged as a pivotal market structure in fintech. It allows financial services to be seamlessly integrated into non-financial platforms. Azizi sees Mesh as a connection aggregator, not a data aggregator. This sets it apart from competitors like Plaid. “Plaid is the right solution for traditional assets,” Azizi explains. “We are the right solution for the crypto industry.” Traditional platforms focus on aggregating banking data -- Mesh enables transactional capabilities. This includes transferring assets between exchanges and using crypto for payments.

Crypto Payments and Practical Use Cases

Mesh’s offerings have evolved from enabling cryptocurrency deposits to powering crypto payments. Azizi describes the creation of MeshPay, which is a comprehensive solution that addresses the unique challenges of crypto payments within a commercial setting. “Imagine paying at a coffee shop with crypto through Apple Pay,” says Azizi. This vision stems from a real-world use case where a small business embedded Mesh to accept crypto as a payment method. For regions grappling with hyperinflation, functionality like this offers real practical advantages.

Tokenized Assets: The Future of Finance

Azizi strongly advocates adopting tokenized assets. He predicts that “everything will be tokenized” in the coming decade. Tokenization can simplify asset transfers, improving accessibility and mirroring the digitization wave of the past two decades. Azizi believes traditional processes are inefficient. He points to asset transfers between brokerage accounts as an example. These processes are often cumbersome. Tokenized systems promise to end these inefficiencies. They pave the way for streamlined financial operations.

Challenges and Opportunities with Regulation

Discussing regulatory frameworks, Azizi underscores the importance of clarity. “Healthy regulation benefits everyone,” he notes. Azizi emphasizes how clear guidelines could boost cryptocurrency adoption and innovation. Mesh’s non-custodial model aligns with the crypto community’s ethos of decentralization. It resonates with users who prioritize privacy and control over their assets.

Building the bridge between crypto and coffee shops: A chat with Mesh's Bam Azizi

Institutional x Ofra Haza / NA•RO Mash

Mother Nature is struggling to breathe. Let's save nature.

TRACKLIST #152
1 - Max Cooper - The Missing Piece [Mesh]
2 - John Drummer - Remember Me [Stellar Fountain]
3 - STEREO MUNK, Evegrem, Dublew - Parallel Worlds [Hoomidaas]
4 - Sinan Arsan - Beginnings (Javier Laporte Remix) [Superordinate Music]
5 - Sebastian Sellares, Greta Meier - Benevolence [UV]
6 - Juan Deminicis - Dualism (Dave Walker Remix) [Musique de Lune]
7 - Soul Relay - Somersault [Droid9]
8 - Talal - Hazard [Maldesoule]
9 - Rise And Fall - Pipeline [Reworck]
10 - Kamilo Sanclemente, Andre Moret - Surge [Warung Recordings]
11 - Readol - Meridian [Immersed]

Thank you for subscribing to my soundcloud channel 👊
https://soundcloud.com/thelahar

BIRDNEST #152

DJ Oscar Sharm -  Mesh Shayfenhom ( AFRO HOUSE REMIX)  
- Full Extended master Clean Version available @Bandcomp0
https://oscarsharm.bandcamp.com/
- Radio Edit available at my YouTube channel .

Free Download

DJ Oscar Sharm -  Mesh Shayfenhom ( AFRO HOUSE REMIX) *Filter For Copyright* mp3

Original Song by "MESH"...Remixed by Rico Hüllermeier [Paralyzed]

MESH_CRASH [PARALYZED RMX]

DIVE (Intro)

Nachtschaft presents Dagschaft '25

For the first time in a very long time, back behind the decks - top notch Void sound system, over 200 people… what an experience. Wow.

From the very first moment, it just felt right. The music, the flow, the energy - everything clicked. And the warm reactions afterwards were honestly overwhelming.

Thank you for listening, dancing, and sharing that moment with me. What a vibe. What a day.

Much love — see you at the next edition of Nachtschaft in December!

---

1. Jaguar Dance feat T.Etno (Vanyord Intro Edit) – Raidho, Dardan, Vanyord
2. Hidden Dimension (Kora (CA) Remix) – Hraach
3. Downriver (Original Mix) – Roger Martinez
4. Shokl (Original Mix) – Mike Rish
5. Andromeda (Main Mix) – Roger Martinez
6. Conn (Original Mix) – Hermanez
7. American Dream (PROFF Extended Interpretation) – Jakatta
8. Momentum (Original Mix) – HAFT
9. Ascending Sun (Original Mix) – GMJ, Matter
10. 80s (GMJ & Matter Remix) – Roger Martinez
11. Eight Years (Original Mix) – Hermanez
12. Mind Hunter (Original Mix) – Stereo Underground
13. Metanoia (Original Mix) – GMJ, Matter
14. Lord It's A Feeling (EMPHI Edit) – London Grammar
15. Soul Shifter (Original Mix) – Mind Conspiracy
16. Capertee (Alex O'Rion Remix) – Michael Bennett
17. Levera (Original Mix) – Jiminy Hop
18. Baharat (GMJ & Matter Remix) – Jerome Isma-Ae
19. The Invisible World (Original Mix) – Stereo Underground
20. Stranger In A Strange World (Original Mix) – Guy J

Dagschaft 25 - Vanyord

Belly Dancer

An 8-minute journey across shifting frequencies ◍ Blackhats (E.Whiz Remix) threads IDM precision through progressive house momentum, dissolving Fahrenheit’s original into new forms. Hypnotic reverb and synth swells rise into euphoric key changes anchored by strong beats and brushed with eerie tones. Trance and deep house currents flicker in and out; merging into a subgenre mesh that is experimental; atmospheric and driving all at once ⋯ unmistakably Eclectic Whiz.

Blackhats (E.Whiz Remix)

Take Home

Teaser - Full version on Spotify 

https://open.spotify.com/track/1OjyM5PoCJ9hqtwW6h49c8?si=038e9bd7ed4a4cf3

We own the moment

Teaser - Full version on Spotify

https://open.spotify.com/track/6zNVVoypIpfJOmqkF6coAk?si=8909187149c349ff

Festival

Had a dream I was touring w/Mesh (http://www.mesh.co.uk/). In the dream, Mesh closed each night with this hit song.  When I woke up, I realized it was a dream and that the song was actually something I had created in my dream.  I quickly sang the idea into my phone and went back to bed.  When I woke up in the morning, I quickly flushed the phone recording out into this basic demo.  At the end of the day it may turn into a  Röyksopp royksopp.com) kind of thing.

Nothing's Wasted (2021-1-20)

Brewing genre-bending beats, sparking with glitches, and a little chaos or magick

progressive & melodic sounds.
in:motion monthly mix sessions.
co-founder of @nachtschaft.
emotion. energy. flow.

Oscar Sharm create a new perception of music blended with elements of traditional  Arabic music and other music cultures on the electronic infrastructure created by Oscar Sharm Aiming for an intercontinental journey, 
Oscar believes in the universal language of music and aims to bring listeners from different cultures together under one roof.

Progressive by Nature. 
Melodic by Nurture. 
Life is Mashed-Up.

Tearsheet is news, opinion, and analysis on the business of finance.

Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.

Where social media, technology and finance intersect.

Filthy Club Music
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New tracks tagged #mesh