Jovi Overo

1. I didn’t grow up around money. I grew up around the lack of it. No bank account. No credit. No leverage. Cash-only survival. That shaped everything I do today.

Sales and Compliance 😂😂

85% of neobanks are still unprofitable. There are over 400+. Revolut and Monzo cracked it. They are the exception not the proof of concept everyone else is citing. The profitable ones figured out banking is about interest income not how good your app notifications are.

Recorded a live episode at Pay360 with Jens Podewski, CEO of FinxP. Out soon.

Everyone on stage talked innovation. Everyone in the corridors talked trust. That’s the whole story of fintech right now

2026 = Year of the Flywheel. Endings create monsters. 2025 killed old rails, old banks, old “maybe.” 2026: Revolut/Wise/Stripe alumni seed 1,000 startups; Europe/Asia build non-USD sovereign rails; AML becomes code. Jan 2nd we begin.

Visa just switched on USDC settlement for US banks (Cross River + Lead) on Solana. Visa says the program is running >$3.5B annualized (Nov 30) and it’s backing Circle’s Arc. 3 things: treasury goes real-time; 7-day settlement; chains specialize.

All eyez on me…any excuse to wear a dinner jacket.

At the big boys table…whatever that means. Told not to forgot where I came from…hahah..like I’d forget.

Money movement done right feels boring Instant. Clear. Predictable. No “pending…”, no mystery FX, no support ticket to find your own cash. Design your stack for that feeling and you don’t just win the payment. You win the relationship.

CEO between the ears means I prioritise health and fitness over body and mind. Keeps me sharp for BAU.

CEO illusion: power doesn’t scale with title it thins with altitude. The job is about conversion. Master Boardcraft…no surprises, pre-wire the chair, bring A/B/C with trade-offs, hunt the shadow veto. Rhythm: 48–24–1. Build consent first, then execute. #Leadership

From garage band to main stage: we cut through the crypto noise. Stablecoins as the new wire, CBDCs as the house band, compliance as the bouncer. With Grant Evans, Jonatan Allback, Wendy Saunders. Cross-border just got interesting. #Stablecoins #Fintech #Payment

Crypto and Stablecoins: Navigating the Regulatory Frontier in Cross-Border Payment. The panel explored how digital assets are reshaping the future of cross-border payments and remittances. Discussions also highlighted the growing potential of stablecoins to enable faster, cheaper, and more efficient cross-border transactions, Panellists further examined the role of central bank digital currencies (CBDCs) and their interplay with private stablecoins in defining the next era of global payments. Grant Evans, Jovi Overo, Jonatan Allback and Wendy Saunders shared actionable strategies on this panel session. #FintechWithoutBorders #CrossBorderPayments #DigitalFinance #CryptoInnovation #Stablecoins #FintechRegulation #DigitalAssets #FinancialInclusion

It’s lonely at the top…they say…or Heavy is the head that wears the crown. How do you cope being a leader/founder?

GREAT WORK, @realDonaldTrump!!

12/ The goal is the age-old central banking question: keep the link between money and productive credit, while letting new rails make payments faster, safer, cheaper. Do that right, and the UK leads. Do it wrong, and the UK watches. — #Stablecoins #BoE #Payments #Fintech #UKFinance #Regulation #Tokenisation #Banking

11/ Here’s the spicy bit: give qualifying UK stablecoins access to Bank of England accounts. If it walks like money and clears like money, settle it at the source. Otherwise, stop LARPing as sterling.

1/ Money in the UK has always had two faces: • Central bank money (cash + bank reserves) • Commercial bank money (your deposits) The system only works if £1 = £1 everywhere, all the time. That parity is the whole ballgame