This week the OCC granted conditional approval for a full-service U.S. national bank charter application to @OpenReserveBank. Founders Dee Choubey and Rick Correia discuss designing a financial institution around 24/7 settlements, stablecoins, tokenized deposits, and onchain capital markets. 00:00 Introduction 01:17 Why now is the time to build a new bank 06:24 What a bank actually does 10:11 Rebuilding the bank core like an L1 32:43 What makes a founder partnership work 35:54 Why they decided to build another company 40:46 Building a bank for stablecoins 45:20 Stablecoins, tokenized deposits, and lending 56:04 Forward-deployed bankers & institutional sales 1:00:13 Why American capital markets matter 1:03:39 What Open Reserve plans to build next @deechoubey @guywuolletjr