Transcript

Building Fintech Wealth, Financial Inclusion & New American Dream ft. Carlos Orellana | Coffeez

From Coffeez for Closers with Joe Shalaby · Episode page · Watch on YouTube

· 34 min · 5,870 words · 70 timestamped sections

This is the full, timestamped transcript of "Building Fintech Wealth, Financial Inclusion & New American Dream ft. Carlos Orellana | Coffeez", an episode of Coffeez for Closers with Joe Shalaby published December 31, 2025 (34 min, about 5,870 words). It mentions 6 people, works and ideas, including Diero, Air Force, Bouetle, Paul Rom, Gift Sender.

What this episode is about

Carlos Orellana discusses the unique challenges and opportunities in the fintech space, particularly focused on serving Hispanic and Latino communities in the U.S. He emphasizes the importance of understanding cultural nuances beyond language, the significance of financial inclusion, and highlights El Salvador’s pioneering adoption of cryptocurrency as a model for innovation and economic empowerment.

Key takeaways

  • Language alone won't bridge cultural gaps; understanding the nuances of heritage is key to connection.
  • El Salvador leads in crypto adoption, showcasing how innovation can thrive despite historical turmoil.
  • From crayons to creativity, the privilege of access shapes how we learn and grow—never take it for granted.
  • Third-world roots can fuel entrepreneurial spirit; dreams flourish in unexpected places where resilience thrives.
  • Diverse cultures within the Hispanic community demand tailored approaches, proving one size doesn’t fit all in finance.

Who speaks in this episode?

What is discussed, and when

  1. – 5:00: Bouetle
  2. – 10:00: Air Force, Paul Rom
  3. – 15:00: Gift Sender
  4. – 20:00: McKenzie Deote

Notable quotes from "Building Fintech Wealth, Financial Inclusion & New American Dream ft. Carlos Orellana | Coffeez"

  • Yeah, they're actually number one. So, Bouetle has made such a tremendous change in the last seven years in El Salvador. So he brought innovation, he's promoting a lot of technology which allowed us when he took.
    about Bouetle · at
  • Those kind of dreams happened like you went to high school you joined the air force right now after you joined you the air force you started to study computer programming yeah…
    about Air Force · at
  • So we started and he was Paul Rom did.
    about Paul Rom · at
  • Yes. So the application was called gift sender and successful for about three years and then sold off to a company out of Australia which still runs under gift and you know I felt very lucky and.
    about Gift Sender · at
  • The collective power that we have, it's amazing. if you look at the latest report from McKenzie Deote, $4 trillion in GDP, that's the purchasing power that just here in the United States alone, Hispanics and Latinos have. And they.
    about McKenzie Deote · at

Who and what is mentioned in this episode?

People

Companies & orgs

Products & tech

Concepts & topics

Full transcript with timestamps

competitors are SoFi and Robin Hood, you know, how do you differ from these mega platforms outside of just being, you know, Hispanic focused?

Yes. So, number one, we can name six or seven right here in the US, but they all have one thing in common is they don't speak the language, but more importantly, they don't speak the culture. Because it's not just

Welcome to another episode of coffees because it's not just about speaking Spanish to to the Hispanic and Latinos.

They could just like convert their app into Spanish. Correct. Yeah. So, it's a whole different uh not only business um acumen that you have to understand, but also there's the culture um aspect of how do you approach them? And they all have different cultures. I I'm from El Salvador, so my culture is very different from people that are from Mexico, from Colombians, Venezuelans, right? Argentinians, Peruvians. So, it's how do you how are you able to talk to every single one understanding not only their culture but their challenges and what drove them to come here to the US and uh and make a life here?

I feel like isn't El Salvador the biggest adopter of cryptocurrency in the world?

Yeah, they're actually number one. So, um you know, Bouetle has made such a tremendous change in the last seven years in El Salvador. So he brought innovation, he's uh promoting a lot of technology which allowed us when he took presidency to go out. It was one of the uh my business partners uh Ronnie in my dream to go back to El Salvador and how do we give back to our country? How can we go back and uh create a company and bring in bright minds because there are a lot of intelligent kids over there and make them part of what we were building.

Well, before then the country was in complete, you know, destruction. there was a civil war. Uh then there was the the crime rate with the gangsters that were deported over there. But when he came up and cleaned the country, it was the opportunity. So we went over there, we created our headquarters. We got 22 amazing kids that are designers, engineers, developers, and about seven others that specialize in digital content and marketing. So for us is a big fulfillment to have gone back and the government received us with open arms and give us gave us a lot of credits and a lot of benefits uh to bring innovation and and be able to help out a lot of uh families over there.

Now your story is very similar to mine. You're a third world immigrant. You came here at at 6 years old. What do you remember most about that transition from, you know, third world country El Salvador to coming to America here? who it's actually something that uh I I'll never forget. Uh something very memorable. Uh when I was in El Salvador, I remember seeing the box and it said Crayola. So it was a teacher that would come from the city into our town and she would uncover the blackboard and she had white chalk in that box and that's where we knew we learn our ABCs, additions, multiplications, right? in our first words, first and second grade.

When I arrived here to United States, it was quite the experience because when you walk into the classroom on the first day, and this is why I teach my nephews and and nieces and every kid that I come across is you can't take things for granted because they don't understand how lucky, blessed we are here. I remember walking in and your name would be on the name tag on that desk. What I didn't understand is that desk belonged to to me. It belonged to you. The next day that desk was there and everything you put in there was there. And opening the box of Crayolas, crayons, and that smell. H I I can never forget that smell. But it's the freedom of grabbing that and having endless white pieces of paper and you can draw all day if you wanted knowing that that paper and those crayons were readily available for you, right? where things that in our country we couldn't I I don't remember ever having a a journal or a a me paper note

and being able to to write and and draw as uh the privilege that we had here. So it's a big transition, a big change from enjoying something as simple as having your desk sitting down being taught in amazing air conditioning classroom and having all the tools for you to be creative. It's crazy because so many people probably listening to this podcast don't even realize how blessed they are

to just open up a box of crayons and absolutely or or have endless pieces of paper. Yes.

I know my kids for sure aren't that they don't realize how much of a blessing that is.

True. You know, and uh actually it's my my business partner who told me, you know, one of his favorite things was back to school, you know, going back to school and and and he mentioned that smell of crayons. you know, he also is a third world immigrant from Jordan. So, it's uh you know, it's those small things that are just so big. You know, th those blessings are so big. Um, you know, growing up here and you grew up probably poor. Did you ever think you would become an entrepreneur, let alone start a company that's about to go IPO?

No. When uh you come from a third world country, you're very limited when it comes to your mindset, right? you you're not raised with be all you can be or you know you can become anything you dream of. You don't hear those

those phrases in motivational words as as you're a kid, right? It's always uh a lack of no we don't have uh we can't

uh tough toughen up and uh so it's it was never an idea or a dream that sort of happened through the years as I was raised here in California. So a was that those kind of dreams happened like you you went to high school you joined the air force right now after you joined you the air force you started you started to study computer programming

yeah actually uh that's what got me to join the air force it was either college and learn how to go into the computer world and and pay or uh join the military at that time we had a good recruiter that came to Westminster High School and uh uh He sold me on the idea of why not join the air force where you can get trained in computer programming and you get paid. So uh I did that. It was very uh interesting. I like the commodery and uh you know all the leadership uh skills that we learned but I never did much like taking or following instruction. So it was kind of like the you know show me the rules and don't bend them or break them. And uh that's what got me to eventually leave after I served my term. And uh I was introduced into the mortgage industry back when everything was taken down on paper. You know, a 103 a borrower authorization and having to fax it over to a client or the nearest I think it

was King Co's call back then and uh waiting 24 hours for them to send it back to you. Then you have to fax it to each credit bureau and then wait another you know day or two to get those credit reports and eventually be able to price. It was a lengthy process. uh the visionary at the time company was called dietc funding uh converted to ditech.com when the whole internet boom was happening. Yes. So it was interesting how we saw that his vision was to transform the entire industry from uh something analog to digital. Yeah.

So we started and he was Paul Rom did. Yes. Paul Ryam amazing guy Canadian and I learned a lot from him. He was a great mentor and it was always uh no was never the right answer to him or I don't know. So we had to figure it out, right? How do we all interconnect? So, it was when Microsoft started coming out with Outlook and the little clipboard chat guy and uh being able to integrate with Equifax and TransUnion and I can't believe the I can't remember the other company TRW before it was called Experian uh with modems and being able to connect and obtain a credit report and populate into the antiquated black and green software screens which was called DOS at the time and that would be the new 103 right the application. So everything went from like a 90-day process of buying a home down to a 45day eventually 30 days and eventually 21 days and same thing for refinance. So I got a lot of experience at that time. I

was fresh out of the military and uh everything was a challenge but we able to group a very neat uh team and uh accomplish a lot of those things.

Now now it's making sense. You started in the financial sector with the computer programming background and then you're that's where kind of like was that the motivation of starting Darrowo because you had experience in the financial space and in the tech space concurrently. I think that was the motivation on understanding the what technology was going to do in various industries, right? And I knew that that's where I wanted to pursue and and continue. When Paul sold to GAC for millions of dollars, it was a sad day when he announced that, but at the same time, you know, it was it was great for us. We're understanding what the stock uh market uh did for many of these companies. the evaluations on uh on financial companies yet alone if you had technology and that's where the the inspiration came as to like hm how do we go and create something where it's it's a it's a power play in financial and

also in technology from there uh we went on and created a a patent the first uh application when mobile wallets were starting to become a thing mobile apps and being able to send digital gift cards to anyone to your mom, your wife, your friends. So, you sent a quick note saying happy birthday. Uh here's $100 and uh

that was your patent. Yes. So the application was called gift sender and uh successful for about three years and then uh sold off to a company out of Australia which still runs under gift and you know I felt very lucky and very blessed because I remember talking to an entrepreneur and saying you know usually your first second third startup they fail like 90% of them fail. So, how lucky my team and I were blessed to be able to launch our first uh startup and be able to get acquired u year uh three years later. We did regret it afterwards because you know we sold us about 8.75 million and the company that we sold it to flipped it and turned it and sold it for 38 million a year later. So,

I mean that's a brilliant concept. I can't believe you're the guy who started that company.

Yes. Yes. You know, because I've used that. Oh, fantastic. Um, now for me, I was always a big fan of Paul Redum. He was always like a mystical creature that I'd never have the opportunity to to meet and he was just the the biggest titan in the industry at the time

uh when I started the industry. So, you know, I would I'm I'm fortunate enough to meet with you and let me ask you, what's the greatest lesson that you learned from such a great mentor? uh from Paul is uh I remember that one time when I got interviewed by his right-hand guy at the time was Vince Bizolei and Scott Redham and I walk into the floor it was right down the street right here on MacArthur in Maine sixth floor on the Wells Fargo building and they had like 17 people working on cubicles but they had the entire floor filled with like 300 and something cubicles and I said wait so how many employees do you have so your number 18.

Why do you guys have like you know hundreds of cubicles here? I remember he grabbed and he said because you have to visualize. You have to get prepared for growth. And for me it was something 22 year old kid and I'm thinking like this guy crazy like how can you get cubicles computers and you only have 18 employees but all of a sudden he's thinking there's going to be hundreds of employees, right? And sure enough, it was like 9 months, 10 months later, and that floor was filled. Second floor got filled. Third floor got filled. Before you know, we had DITC escrow and over 600 employees within 3 years. And so I'll never forget the visualization aspect of it, right? It's like you got to see it in order to believe it. Um, but you got to see it in your mind first. And for me, it it was very impactful.

Wow. So the manifestation of that reality he he manifested DC being exactly that big.

Yes. That's cool. That's cool. And you know my mentor is similar to that now. He you know he's he's always just uh ready by design and always growing and and I'm the same way. I I dream really big and people think I'm crazy but you got to start somewhere. It's the crazy ones that that make things happen and makes the world function. Yes.

Exactly. Um, now when you ended up in the mortgage space during your early tech wave, when did those what what did those years teach you about the power of blending finance and innovation?

You know, I learned early on that, you know, life along with many aspects in life, they don't ever stay the same. There's always change and you can try to stay where you're at but you'll become antiquated right uh or you can always try to adapt and learn same thing as what's happening nowadays right um with AI there's a lot of resistance right but uh if you don't adapt then eventually you're not going to be innovative and at that time when fax machines were the thing, everyone thought, well, we'll just continue using fax machines.

But along came a little company called EAC, and that completely disrupted disrupted the internals. I run a a store called Fedco, and my dad and I would go and he'd buy like the typewriters and then the mechanical typewriters and eventually a fax machine. Well, few months later, there weren't any more fax machines. Why? Because eax was something you can integrate with your email and you get a virtual number and you'll be able to scan things through a scanner. So then the market changed and what do we what were we buying?

Scanners. You'll be able to buy the HP scanners, the IBM scanners. And so understanding that when new things come, you don't put resistances. be able to learn, be curious, and if you adapt, then that's where you you'll stay always ahead and and innovative.

Yeah. I mean, like in my space specifically, if you're not an early adopter, you're an, you know, an ontime adopter, you're already too late. And if you're a late adopter, you're out of business.

True. So, you got to be and anyone listening to this podcast, my advice is just be an early adopter. Try new things. Like for me, something comes out or I even hear about it, I'm on it. One of the things that I I like to do is I I'm on every single pilot of any of my partner, you know, any venture that I'm or any investor or any partner of ours, like I want to be on all their pilots just because I like to invoke that vision in the beginning. Then it helps us with our pilots.

Absolutely. And we're always in this like beta mode anyways at our organization. Um, now what do most people get wrong about the Latino community when it comes to money, opportunity, and most importantly, tech adoption?

Yes. You know what I it comes down to one word, ignored. And that's what I realized in in various industries, uh, they just tend to get ignored. And that could be for various reasons, right? It could be uh you're judging the book by its cover from the beginning. You know, this person cuts yards for a living. He doesn't have any money. Uh that person drives a truck and he goes out to Long Beach Port and delivers items to different places. Uh he must not have big amount to be able to buy a home, let alone save. And I think that's where uh they get it wrong. It's we're hardworking people. Uh yeah, we're not they may not be too savvy when it comes to well, how do you invest in the stock market? How do you buy crypto? How do you go and buy silver without obtaining the actual silver in your hands or or gold, right? Or how do you invest in new startups? It's opportunities that us being Americanized through the years,

we're able to learn. For example, you know, you and I, we've been blessed to surround ourselves in a circle of people that are very successful that we've had mentors in the course of our lives that have impacted us and have taught us different things. Um, not not all Latinos and Hispanic have that opportunity. So, I would say to every entrepreneur out there, uh, business owner, brands is don't don't ignore us. The collective power that we have, it's amazing. I mean, if you look at the latest report from McKenzie Deote, $4 trillion in GDP, that's the purchasing power that just here in the United States alone, uh, Hispanics and Latinos have. And they did something very interesting. They came out of a report, the top 10 things that, uh, we Latinos and Hispanic, uh, consume. I don't remember all 10 of them, but the first three, it was liquor, which is alcohol, right? Um, two were pampers and three beauty products.

So, I always like to say as Latinos, we we love to drink, right? Uh, we love to make babies and three, we like to look we love to look very good. So,

I think all of those tie into each other. You you get drunk, you have sex, and then you you you got to put on makeup to to do it all over again

to look good. Yeah. Right. So, um Yeah, that's uh interesting. Right. So we we saw that report and it's like huh. So it wasn't like you know you go out there and buy clothes or shoes. It was like the beer the uh the Pampers and beauty products

and Pampers. They're the biggest consumers of Pampers. Wow. Exactly. Yes. That's funny. Now you've talked a lot about making things simple. Credit, life insurance, investing, buying a home.

Where do you start when you're educating someone brand new to this entire financial world? you know, as simple as opening up a checking account. And I believe that the resistance starts there because

Yeah. A lot of Latinos I know don't even have that. Exactly. And the making them understand that in order for you to be able to leave a legacy to your children, to your family, you have to come in and adapt yourself and integrate yourself into the system, right? You can't argue and fight the system. You can put all the money you want underneath your mattress. It can catch on fire. You could lose it. It just just many things, right? But how do you leave what you've created and what you work for so hard, such as a home, right? If you can pay the mortgage off for 30 years, um, that's a success. But what happens when you're gone? Do you have something as simple as a living trust? So that way the property doesn't get sold on probate. If you happen to get sick down the road and you made 18 years of mortgage payment, unfortunately something happens and and you're gone, you move on, then who takes

care of the mortgage then? So these are things that when you look at different families that have adapted to themsel in the system for them, it's like, well, I got life insurance that covers the mortgage in case something happens to me, so my wife and my children don't have to worry about. Um, but most Hispanic and Latinos don't understand that. They think, "I don't want to be thinking about dying right now, so why would I be wanting to get a life insurance?" So, they don't see it as a as an as a life uh uh a vehicle for investment, right? they see it more as something detrimental like well if I die and I think that that's where professionals like us need to come in and provide that education and actually explain the benefits in in a sense that they understand how they're protected right rather than no it's not just when you die it's how you're able to protect what you work for all these

years right uh there's a study that that that read just last week I read it said 80% of homeowners uh their children more than likely to go to college, right? Because by the time they have equity in their home, when the child is ready to go to college, they can get either get a second mortgage or get a a line of credit. So that way they can help now their children fulfill their dreams, which is get a higher education for better life. So you know, and then also us kids, we're the mirror of our parents. So we see our parent working having a home uh putting money in savings or investing in the market well you as a child is are going to see that example and eventually be able to do that as as you grow. So, uh, I think that's the the hardest aspect is how do you teach them? And sometimes the best way to teach them is by creating something that's very very neat and rewarding because there's a lot of

companies out there in digital wallets that you can do pretty much everything that Diero does. But what we've done is set up rewards and mechanisms that for every action and transaction that you do within Diero and with our business partners, you do get rewarded.

We gamified it a little bit. Exactly. Yes. I see. Now, what does with digital banking growing like insanely fast? It's the most rapidly growing sector right now, but the in-person experience is really disappearing. How do you make sure your community isn't left behind in that shift? Because they don't really understand the digital movement. All they know is, "Let me walk into Bank of America. Let me sit there for three hours." You know, that's why Bank of America, I walk in there, it's like a line of Hispanics.

Yeah, it's true. That's absolutely true. Um, it just comes down to creating good content they can put out there in their language, in their culture, uh, to help them understand, but also, you know, there's that high-tech and hightouch aspect of things, too, and especially in digital banking. So, what we have set up in El Salvador is a call center, customer support center, uh, fully bilingual, and they can reach out at any moment in case they need to figure something out, right? such as how do I add uh money to my bank account, you know, what places can I go to, right?

So, the the ability of what we've done uh lately is created partnerships where Hispanic and Latinos tend to go or tend to be already. So rather than partner up with brickandmortar banks is teaming up like Walmart, CVS, Walgreens, uh Raids, and 7-Elevens for example, and you can easily go pay a fee of $3.99 and load up to $1,000 a day and give it hand it over to the cash register and the money gets uploaded within gets loaded up within a minute or two to your Daener account. So therefore creating these brickandmortar stores that you're already shopping, you're already there. So might as well, oh, you know what? I need to load $1,000 to my checking account at Diero. And uh so being innovative and finding those strategic partners that see the vision and are willing to create some sort of alliance so we can continue growing that uh that market segment.

Now I am curious myself about the IPO process. You've been working on an IPO. What is that like taking a company public? What's that experience been like for you?

That's the stuff where creatives get stuck on, right? And um I I don't like the paperwork and the meetings and uh but what do you do is you surround yourself with uh people that know how to do it. People that do, they're uh more intelligent in that field. And uh we've been blessed to have met a great attorney has taken a few companies public. He he served with Arnold Schwarzenegger for about two terms when Arnold was governor here in California and um you know he's he's also Hispanic and he sits on different boards of different uh Hispanic uh owned foundations.

So by doing all the legal paperwork and uh us providing the information that that they need in order for us to have everything in filing with our financials. Uh now it's about going after and doing our series A. So what paperwork does the SEC require for us to do so?

What round are you guys on now? Uh we have we're finishing our our series I'm sorry we're finishing our seed round. Yes. And then from there

at the end. Yeah, we're at the end. Yeah. We're raising our last 1.5 million uh from our 5 million raise on seed round with friends and family. And then come March uh April of next year, we will start doing our serious A round. That's about 60 to $70 million cuz that's what it takes in order for us to go ahead and and do an IPO towards the end of of next year. And it's exciting. Uh, but like I said, it's you got to be able to surround yourself with people that that know that they can do it and that way you can continue focusing and what you're good at in the business.

Now, one thing we've talked about a few times is legacy. Now, you're building your legacy. And legacy is not just a business, right? It's it's more about, you know, leaving something that's longlasting, a lasting impression for the ages. What does that word legacy mean to you personally?

To me, there's there's two important things, right? And legacies. Number one is setting that example that if an immigrant Hispanic kid from El Salvador uh came and was able to to build something such as what we're building uh and surround oursel with amazing people. So together we're able to build that and create it. And it sets the example that hey you know you can that person can and follow those steps in and and that we can serve as an inspiration in in many other fields. It can be in you know in the health sector it can be in and just different industries right. So making possible uh the ability for others to be able to follow and two most important for me is uh that fulfilling uh feeling. Uh I imagine sometimes you know talking about you mentioned the word manifestation right and there's manifestation but I also imagine myself sometimes you know Charlie when you're in your deathbed and you're

taking that one last breath is it when a question arise did I fulfill my purpose do I leave a happy individual you know what do I leave behind what difference have I made And to me, those are the important questions. Not so much if, you know, did I leave my kids with, you know, cars and homes and material things and a nice bank account. It's more like how much of an impact did you made not only your immediate family's life, but you know, in the world and whether it be your your your culture, whether it be the your your people from your race or just everyone in general.

And what I like about what we build in the company at Diero is that everyone that have come and be part of the mission that's the same mentality and the same mindset that they have is when I ask every single team member is like what made you come to Diero? It's amazing how the same answer is because we want to be some part of something greater. you know, we have um team members that have left government government jobs, secure jobs. We're making $200,000 a year. And I was like, "Are you sure you want to come and join us at a startup?" And, uh, you know, she's our chief compliance officer. She did forensic audit for for the government, uh, credible witnesses and different court cases. She's like, I I got to be something I got to be part of something greater or something better.

And, uh, so that's that's to me that's a blessing. and and I think that that's what most is most most important for me and the people that are have joined our team.

Couple last questions for you. This is a three-prong question. What's a personal goal that you have for yourself, a family goal that you have for your family, and a goal that you have for Diero?

So, the first question was the a personal goal, huh? My personal goal is to fulfill all our goals that we're aiming for right now, right? Mainly with Diero. So then I go and fulfill that personal goal, which is when I was a kid, I grew up and I fell in love with the big old VHS video recorders and I wanted to be a movie director. So maybe I won't direct the movie, but definitely produce a movie. Yeah. I I don't think I'll leave this earth without that personal goal.

Business goal. Business goal is to grow Diero, not only as a company, but as a brand, right? and um yeah, just make a big impact on everyone and have Diierro be that company that uh is not only an example, but that's empowering Hispanic and Latinos now more than ever without getting too political. But I think right now it's that moment where we need to take whether it's a topic of adversity or obstacle or challenges or how you know we're seeing making that difference and making that change that we are here to contribute.

We are here to grow. We are here to offer amazing experiences and cultures and uh loving people where we welcome all ethnicities to be part of what we're building. And most importantly, just, you know, be part of us. I think it's it's something that we forget as as humans is that collaboration with one another.

Yeah. Yeah. And a family goal. Family goal. That's a good one. You know, with family, I have amazing children and uh they they're they're my life. They're my reason why. I got a son, Jonathan, and two daughters, Angelica and Charize. And uh I've had the privilege of enjoying their company for the last uh 10 years. uh they they live with me uh even though I want to I want them to go out and uh leave me alone sometimes uh they they don't want to leave home right so I'm blessed uh I think if I have to say what a goal would be as as far as a family goal is eventually um marry that low my life uh you know I've been single for about 10 years I was divorced 10 years ago and uh I like the whole family aspect so I miss it and uh I would want to make sure that, you know, when I do pass on, I I leave someone amazing behind.

I hope you hit your goals. One last question. When you're in front of the ply gates, what do you think God's going to tell you?

He's going to say, "Charlie, uh, you did it." Yeah. I love it. Charlie, you've been a blessing to have on this show. I hope you hit every single one of your goals. Hope Dairo just crushes it when it goes public. If people want to connect with you, how do they find you?

Ah, yeah. Please follow us uh uh on our Instagram. I'm sure it's published in the podcast, right? Yeah.

Uh definitely follow us with the news and uh everything that's coming here within 2 months. Uh we're having a big launch event that's going to be uh which you're going to be part of as well and uh love to have you. That launch event is going to happen here in December. And also, we want to make sure that everybody knows everything that we're creating and building. So, I think it's important that they stay tuned, follow us on social media, and uh yeah, we're going to do amazing things. Charlie Oriana, you heard it first. Make sure when that stock goes public, you grab yourself some. Thanks for tuning in, guys. God bless.

Hey. Hey. Hey.

Questions about this episode

Who speaks in "Building Fintech Wealth, Financial Inclusion & New American Dream ft. Carlos Orellana | Coffeez"?

Joe Shalaby (Host), Carlos Orellana (Guest).

What is "Building Fintech Wealth, Financial Inclusion & New American Dream ft. Carlos Orellana | Coffeez" about?

Carlos Orellana discusses the unique challenges and opportunities in the fintech space, particularly focused on serving Hispanic and Latino communities in the U.S. He emphasizes the importance of understanding cultural nuances beyond language, the significance of financial inclusion, and highlights El Salvador’s pioneering adoption of cryptocurrency as a model for innovation and economic…

What is mentioned in this Coffeez for Closers with Joe Shalaby episode?

6 people, works and ideas are mentioned, including Diero, Air Force, Bouetle, Paul Rom, Gift Sender, McKenzie Deote. Each one on this page links to its own page with every episode that mentions it.

How long is "Building Fintech Wealth, Financial Inclusion & New American Dream ft. Carlos Orellana | Coffeez"?

The episode runs 34 min; the transcript is about 5,870 words in 70 timestamped sections.

More from Coffeez for Closers with Joe Shalaby

About this transcript: the episode's spoken words as captioned on YouTube, split into timestamped sections. Reclip.Me locates every person, work and idea in the text, keeps the time it is first named, and quotes the words around it verbatim. Last updated January 24, 2026.