In our fifth edition of 21 Questions By Decentralize Today, ​we feature Colin Goltra, an advisor, investor, and researcher in the cryptocurrency space, and former Head of Cryptocurrency at one of Southeast Asia's most successful Bitcoin and fintech startups, Philippines-based, which was acquired by Southeast Asian on-demand multi-service platform and digital payment technology group, Go-Jek.

Let's get to know more about one of the pioneers of Crypto in the Philippines  in one of our best and most insightful interviews yet.

Decentralize Today: If you could choose three words to describe yourself, what would they be and why?

Colin Goltra: Deliberate. Independent. Patient.

I'm sure there are people close to me that will mock me for  self-describing as patient (perhaps "macro-patient" is a slightly better descriptor), but generally I am trying to convey a sense of long-term  focus. I have strong thoughts about the life I want to live 10+ years from now and try my best to be viscerally aware of how my day-to-day  decisions impact that future - at the very least, it's a helpful framework for HODL-ing!

DT: How/when did you discover Bitcoin/crypto?

CG: I hopped on the Bitcoin bandwagon in mid-2013 while I was an Investment Banker. Our firm's compliance team was (rightfully) fairly strict about  preventing us from personally trading equities and other corporate securities, so people at the firm were dabbling in Bitcoin on the sid  instead, since it was so niche (especially at the time) and squarely exempted from oversight by the firm's policy. My initial investment thesis had to do with the fact that Bitcoin was supporting an entire online economy (Silk Road) without any institutional infrastructure - I  figured it would have even further implications once the serious technical and business talent jumped in properly. I started regularly attending the early San Francisco Bitcoin meetups soon after and have remained an active part of the Crypto ecosystem ever since. |

DT: What were you doing as a profession before crypto?

CG: Generally speaking, my career has been at the intersection of Tech and Finance. I started as an Investment Banker covering the tech sector, have been in emerging tech strategy for Samsung, and have been involved with a few different crypto/blockchain startups - most notably

DT: How would you describe your current work to a 5 year old kid?

CG:  I would tell the 5 year old kid that, just like in a video game, there are forms of money that only exist on the internet - and that I work with companies that want to let people use this internet money more easily.

DT: What was your first ever job (even as a kid)?

CG: I had a lot of random little endeavors as a kid, I really just wanted to make and have spending money. I made slime (glue/water/borax) and sold it at my swim meets. I froze my Halloween candy and then sold it at school a few months later. I went to the bulk stores and bought random snacks to sell at school. It was awesome, I always had the newest Game Boys and was able to buy lots of games and Pokemon cards - life was  good!

In terms of a job I could put on an actual resume, I worked as a Clerk at a Law Firm for one summer when I was a teenager. Was a  great summer job, but makes for a less interesting origin story.

DT: Who is your biggest inspiration when it comes to work/business?

CG: This is going to read like a VERY basic tech bro answer, but alas:
In  terms of pure inspiration, basically everything Elon Musk does absolutely blows my mind (including and especially the great memes) -  but I have some self-awareness that from a pure skill and talent perspective I'm just not wired in that hyper-engineering way (I mean, nobody else is either, but I'm not even on that spectrum really), so he's not a realistic role model.

Outside of Elon, three  practitioner-intellectuals come to mind that have shaped how I think  about the arc of my career (and life in general): Nassim Nicholas Taleb,  Peter Thiel, and Naval Ravikant. Taleb's "Incerto" series is absolutely  required reading and has taught me a lot of interesting frameworks to  approaching life, work, and uncertainty. Thiel's work really taught me  that the important work in life revolves around finding open secrets  that the crowd refuses to see. Naval's work really incorporates staying  present and focused on the work that matters, and to architect one's  life in a way that removes the unimportant distractions.

DT: What's the best life and work advice you've ever been given?

CG: Anytime I'd freak out about my various pitfalls as a teenager, my mom  would always tell me "it's not always linear" - referring to the arc and  progress of one's life. It was often hard for me to incorporate that  advice growing up, but as I grow older it's become an excellent mantra  in basically all aspects of my life, including work/career.

DT: Your favorite superhero or fictional character, and why?

CG: Always hard to pick these things on the spot, I'm sure my actual answer  will come to me the very moment this piece gets published, but I'll  give it a shot.

In terms of actual comic genre characters, I  think Doctor Manhattan from the 'Watchmen' universe is an incredible  character. I like the way that he is perceived to be all powerful,  literally godlike, yet at the same time absolutely powerless and trapped  in this deterministic-timeline paradox that he has no ability to shape  the course of. It was really a strangely thought-provoking concept the  first time I read the graphic novel.

I also really like Oscar  Isaac's character ("Nathan") in the film 'Ex Machina' - he's sort of like a modern version of Dr. Frankenstein, but the entire aesthetic of  his character was super cool.

Oh, last one, I also absolutely  aspire to the level of levity that Roger Sterling from 'Mad Men' has -  such a brilliant character.

DT: What were you like as a student?

CG: I  think I was always fairly intellectually curious and multi-disciplined. Growing up it was probably hard to say what my favorite or best subject was, I was a decent student across the board, but not a master in any  one discipline. I studied Economics, Applied Statistics, and French in  undergrad and later did a professional course in Software Engineering.

I  hink my career also kind of maps to this meandering, as I have had very different types of roles across tech and finance, all thematically consistent but functionally different each time. I very much like it this way though.

DT: What would be your dream project if money was no object?

CG: If money were no object, I would love to be part of the terraforming of Earth that is going to eventually happen when we properly fix and control the various climate systems and ecology on this planet. A lot of it is downstream of the energy issue, but we're going to need some  incredible, Elon Musk-style innovations in desalination, carbon capture, ocean cleanup, icecap reformation, etc.

In the same vein (though  perhaps the exact opposite), the work happening in space colonization and resource utilization is also pretty cool.

The former gets us to a Type 1 civilization and the latter gets us to a Type 2  civilization, both of which are pretty exciting to me.

DT: What is your favorite sport or game?

CG: Growing  up I was a swimmer and a water polo player. Now, my favorite sport to watch is NBA basketball. I'm a Warriors fan, but have been since they  were really bad in the 90s and early 2000s (and am still a fan while  they are temporarily bad again this season), not a bandwagoner I swear.

*Sure Colin, that's what they all say...

DT: You were part of a successful bitcoin startup in the Philippines. What's your most valuable insight out of that experience?

CG: Micro learning: When interacting with a crypto company, relatively  little of the inconvenience you face as a user has to do with the actual  crypto/blockchain technology in question, most of the hassle comes from  the company having to deal with the backend legacy systems (payments,  identity, regulation, etc.) on your behalf.

Macro learning: Crypto is a super cyclical business and the ecosystem in general has a really long way to go.

DT: Who are your real life heroes?

CG: I don't really have any - or if I can think of specific individuals  it's too personal of an answer to share publicly. In general I try not  to worship specific individuals. I really appreciate specific ideas,  attributes, or virtues of admirable people in general, but then try my  best to decouple that quality from the actual person.

DT: What does your family think of Bitcoin / crypto?

CG: At  first my Father would try to convince me to take gains off the table  every time there was a pump, but now he has a sense that I have a much longer time horizon than the short and intermediate term moves. I've been involved in crypto for a while now (and literally moved away from home to work at a crypto company), so the family is pretty accustomed to  it now. Many of my relatives even hold a little bit of crypto now.

DT: What was the last book you read that you would recommend to others?

CG: Almost done with "Asian Godfathers" by Joe Studwell and would recommend  it to anyone that wants a bit of 20th century economic history on Southeast Asia. Also reading Alfred Lansing's account of Earnest  Shackleton's attempted Endurance expedition across the Antarctic  continent and am really enamored by the narrative - awesome story of  adventure, ambition, leadership, grit. I would also reiterate that Taleb's "Incerto" series is required reading for anyone focused on the  crypto ecosystem.

DT: What grinds your gears or is your pet peeve?

CG: A lot of stuff makes me mad but I try my best to not sweat the small  stuff. Something I think about a lot is the "Dunning–Kruger effect"  which basically states that new or uninformed people vastly over-rate  their capabilities or understanding of a given discipline because they  don't know what the highest level of the discipline looks like yet. When  I see people in the super early stages of the Dunning-Kruger, where  they are oblivious to the world but don't understand yet that they are  making fools of themselves, I get really annoyed.

DT: Do you have an "I lost my private keys" story? Or a crazy crypto related story? Do share!

CG: Surprisingly,  I don't have a crazy lost my keys story as I am somewhat paranoid on  that front. I once had an issue with the firmware of a hardware wallet so thought for a moment I had lost everything, but was able to recover  everything using my passphrase fairly quickly. Only the paranoid  survive.

DT: Where do you see Bitcoin/crypto in ten years?

CG:  I remain very bullish on the space in general, but hesitate to over-predict as predictions often prove to be very fragile. In ten years, I think Bitcoin will, at the absolute minimum, be used as a meaningful global store of value for individuals, institutions, and  government treasuries to safely place their capital into. I also think we will have at least a few very proficient smart contract platforms  that will have properly figured out product-market fit and will be  deployed at a really large scale. I am trying to keep things general,  but I think we'll be very far along, ten years is an eternity in  technology.

DT: What's your go-to form of entertainment or pastime? What do you do for fun?

CG: I'm on Twitter pretty often, probably more often than I should be, haha.

Week to week I try to be good about dedicating time to working out, getting  sun, swimming, doing yoga, etc. I also just took up SCUBA diving and  want to become a lot better at that. I was a swimmer as a kid, so I was  always in the water growing up - I am kind of trying to rekindle that.

DT: You have the power to solve one world problem forever. Which one would you choose?

CG: Crypto is cool and all, but I think almost all of society's problems  are downstream of our energy production problem. If we had orders of magnitude cheaper, cleaner, more abundant energy production and storage, society would be greatly improved. If you gave me a magic wand to fix  one problem, it would definitely be that.

DT: You have one thing to say to your 18 year old self. What would it be?

CG: If there are no time travel paradoxes, I would tell myself not to go to  college, save as much money as possible, then buy as much of this thing called Bitcoin as possible when it comes out in a couple years.

If I'm trying to be wise and the answer above doesn't count, I would remind myself that "it's not always linear."

About Colin Goltra

Colin  Goltra is currently an advisor, investor, and researcher in the cryptocurrency space and is primarily focused on the growth of Crypto,  FinTech, and Venture ecosystems throughout Southeast Asia.

Most recently he served on the Management Team at, where he held leadership roles across the Cryptocurrency, People Ops, and Product Development teams. He joined in its early days and left after  its acquisition by Go-Jek in 2019, a period in which the team  expanded its cryptocurrency service to several million Filipinos and  made significant strides in providing blockchain-based financial  inclusion in the Philippines.

Prior to joining, he spent  his career in Silicon Valley as both a technologist and financier. He  has been very actively involved in the Cryptocurrency and Blockchain  ecosystem since 2013 and is excited by the impact that the technology is  having throughout Southeast Asia.

He studied Economics, Applied  Statistics, and French at the University of California and Software  Engineering at Hack Reactor. He has been featured in 'Esquire,' 'South  China Morning Post,' 'Southeast Asia Globe,' as well as numerous crypto  and technology industry publications.

For more information, he can be reached via Twitter: @Goltra
He also runs Crypto Twitter TLDR, a newsletter that brings you the juiciest tweets from Crypto Twitter twice a month.

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