WEBVTT NOTE Sentence-level transcript of https://www.youtube.com/watch?v=f_HwzoYrZ7s NOTE One cue per sentence. Cue ids are the line anchors on /transcripts/f_HwzoYrZ7s.html. A cue ends where the next begins, or 2 s after its last word. s1 00:00:01.309 --> 00:00:03.309 [music] s2 00:00:12.480 --> 00:00:14.320 Thank you all for attending. s3 00:00:14.320 --> 00:00:15.160 My name is Lincoln. s4 00:00:15.160 --> 00:00:17.480 I'm the head of AI product at Coinbase. s5 00:00:17.480 --> 00:00:22.800 And today we'll be talking a little bit about how we're building the agentic financial account. s6 00:00:22.800 --> 00:00:24.360 And I know what you're probably thinking. s7 00:00:24.360 --> 00:00:27.320 Coinbase, crypto, AI, a lot of buzzwords. s8 00:00:27.320 --> 00:00:34.920 But my hope is by the end of this conversation, you have an understanding of what agentic finance is and that it's a very real thing that's happening. s9 00:00:34.920 --> 00:00:44.120 You understand a little bit about what we've learned through this process of building this over the past 2 years and hopefully can take that and and distill some insights from it that are helpful for you. s10 00:00:44.120 --> 00:00:50.800 And I'm going to talk about a little bit about where I think we're heading with this whole narrative and how agentic finance will evolve over time. s11 00:00:50.800 --> 00:00:51.520 Cool. s12 00:00:51.520 --> 00:00:58.920 So, to understand first uh where where I'm going with this, I think it's important to look at what is agentic finance. s13 00:00:58.920 --> 00:01:05.640 And in my mind, agentic finance is anything that has to do with an agent that can manage money or has access to a financial account. s14 00:01:05.640 --> 00:01:07.840 Kind of obvious, but what does that actually mean? s15 00:01:07.840 --> 00:01:10.600 There's really two use cases that we're seeing. s16 00:01:10.600 --> 00:01:15.360 It's agents that need to pay with money and agents that need to grow money. s17 00:01:15.360 --> 00:01:17.880 So, the grow is a little bit more of a nascent category. s18 00:01:17.880 --> 00:01:20.440 So, I'll start by diving into the payment space. s19 00:01:20.440 --> 00:01:29.040 And to do that, I think it makes sense to start around 2 years ago with our first exploration into agentic finance, which was this tool we created called Agent Kit. s20 00:01:29.040 --> 00:01:38.080 The whole idea was prior to MCPs, really any sort of standardized AI tooling, we uh used the LangChain framework and added a wallet to that. s21 00:01:38.080 --> 00:01:41.560 And we gave AI access to money and crypto particularly. s22 00:01:41.560 --> 00:01:43.240 And at the time, this was a pretty novel thing. s23 00:01:43.240 --> 00:01:47.400 And I remember it was like 2:00 a.m. I was typing into my agent like, "Hey, can you send money somewhere?" s24 00:01:47.400 --> 00:01:47.920 And it did it. s25 00:01:47.920 --> 00:01:49.520 And I was like, "Whoa." s26 00:01:49.520 --> 00:01:50.960 These days that's not impressive at all. s27 00:01:50.960 --> 00:01:52.400 But at the time it was pretty fun. s28 00:01:52.400 --> 00:01:57.080 But as we gave this to our developers, we noticed that there is one core problem. s29 00:01:57.080 --> 00:02:02.240 We gave an AI access to money, but we didn't really give it anything to pay for. s30 00:02:02.240 --> 00:02:09.440 This was a bit of an error on our part, and it's something that we wanted to solve, and we were able to do it by standing on the shoulders of giants. s31 00:02:09.440 --> 00:02:12.840 How many of you are familiar with HTTP status codes? s32 00:02:12.840 --> 00:02:14.600 Hopefully, yeah, most of the room. s33 00:02:14.600 --> 00:02:15.080 Okay. s34 00:02:15.080 --> 00:02:23.040 So, for those of you who aren't, it's basically a standard that defines how websites communicate and how information is transmitted across the internet. s35 00:02:23.040 --> 00:02:25.360 One very popular one is called 404. s36 00:02:25.360 --> 00:02:26.560 That means there's an error. s37 00:02:26.560 --> 00:02:35.440 200 means that there's success, but there's one that actually has been in the internet spec for decades that nobody really ever implemented. s38 00:02:35.440 --> 00:02:43.200 And in fact, it was called the original sin of the internet by Marc Andreessen that we never properly implemented this. s39 00:02:43.200 --> 00:02:50.120 For those of you who know a little bit about what we work on, you would know that this is the HTTP status code 402, which means payment required. s40 00:02:50.120 --> 00:02:55.760 And the official definition of this in the internet spec is reserved for future use. s41 00:02:55.760 --> 00:02:57.120 Pretty generic. s42 00:02:57.120 --> 00:03:06.840 But we have a great opportunity here now with the inflection points of AI agents needing a clean, fast, efficient way to transfer money and engage in machine-to-machine commerce, and s43 00:03:06.840 --> 00:03:11.239 stable coins as a cheap, fast, efficient payment rail for us to build X402. s44 00:03:11.239 --> 00:03:13.720 It's our standard for internet native payments. s45 00:03:13.720 --> 00:03:14.519 This says it's new. s46 00:03:14.519 --> 00:03:18.080 I guess it's still relatively new, but it came out in around last May. s47 00:03:18.080 --> 00:03:22.560 And since then, we've seen some very strong adoption, honestly much stronger than I ever thought we would. s48 00:03:22.560 --> 00:03:27.959 When it came out in May, our goal was for by the end of the year to have 25,000 transactions made by agents. s49 00:03:27.959 --> 00:03:31.280 At the end of the year, we were actually seeing that every 17 seconds. s50 00:03:31.280 --> 00:03:39.440 And these days, we're seeing pretty incredible numbers across the board with tens of millions of volume and hundreds of millions of transactions occurring every 30 days. s51 00:03:39.440 --> 00:03:42.959 And if you'll notice from this list, you'll see that it's more than just crypto companies. s52 00:03:42.959 --> 00:04:01.440 You see Audius, Amex, PayPal, Visa, MasterCard, Stripe, all these big names in payments who are engaging with X402 because we're building it as an open standard where anyone can use this how they want to create a way for machine-to-machine payments to happen. s53 00:04:01.440 --> 00:04:11.440 So, I know there's been a lot of traction and comments around agentic commerce recently, especially with news and Grokbot and Stripe Link and this whole Amazon blocking agents controversy. s54 00:04:11.440 --> 00:04:14.480 And I think that's all very straightforward use case. s55 00:04:14.480 --> 00:04:16.280 And I can talk about agentic payments all day. s56 00:04:16.280 --> 00:04:24.400 But there's one that I want to touch on that I think is particularly relevant to microtransactions, which is something I'm very excited about with this whole agentic payments narrative. s57 00:04:24.400 --> 00:04:30.360 So, if you all haven't noticed, the way that we've interacted across the internet has changed over the past couple of years. s58 00:04:30.360 --> 00:04:37.840 Now, we're primarily doing it through chat experiences or Google's AI overview instead of going to the actual websites themselves. s59 00:04:37.840 --> 00:04:48.160 And while this is all fine and dandy for the consumer, it's resulted in a bit of a problem for these publishers who have previously relied on ads revenue and human eyeballs to generate money for publishing their content. s60 00:04:48.160 --> 00:04:55.800 It feels a little bit like we're in the limewire era of the internet where you can scrape all of this content for completely free and there's nothing really to be done about it. s61 00:04:55.800 --> 00:05:06.080 And recently we saw that bot traffic is now eclipsed human traffic on the internet for the first time and this number is only going to increase as we see more people using AI and these traditional s62 00:05:06.080 --> 00:05:09.120 web services and and websites be disintermediated. s63 00:05:09.120 --> 00:05:11.680 So, how do we solve this problem? s64 00:05:11.680 --> 00:05:22.760 There's a very compelling opportunity here that's just starting to play out and it's it's really coming to life over the past couple of months for websites to gate their content behind a very small microtransaction s65 00:05:22.760 --> 00:05:24.360 specifically for agents. s66 00:05:24.360 --> 00:05:32.520 So, the idea here would be if I publish a Substack and I don't want an agent reading it for completely free, I can charge them 1/10,000th of a cent. s67 00:05:32.520 --> 00:05:34.240 It's pretty trivial to the user. s68 00:05:34.240 --> 00:05:41.400 It should ultimately be fully abstracted away in the same way that your AI subscription handled this for you, but it's a meaningful revenue driver for these companies. s69 00:05:41.400 --> 00:05:50.600 And we're going to start seeing a shift from this attention-based ads economy online to one that's primarily oriented around micro transactions and and utility. s70 00:05:50.600 --> 00:05:54.040 And if you don't believe me, I I encourage you to look at AWS and Cloudflare. s71 00:05:54.040 --> 00:05:57.200 Both of them, they're these massive content delivery networks. s72 00:05:57.200 --> 00:06:09.720 Together, they control somewhere in the neighborhood of 40% of all internet traffic, and they've both recently enabled X402 micro transactions to gate any website that their publisher is creating. s73 00:06:09.720 --> 00:06:17.480 And though this hasn't seen very strong adoption just yet, it feels inevitable to me that over the coming months and years, this will be the new way that we have companies s74 00:06:17.480 --> 00:06:23.160 differentiate and continue to undisintermediate themselves in some sense. s75 00:06:23.160 --> 00:06:24.400 So, payments. s76 00:06:24.400 --> 00:06:25.240 Make sense. s77 00:06:25.240 --> 00:06:27.120 We're seeing some pretty strong traction here. s78 00:06:27.120 --> 00:06:28.280 All is going well. s79 00:06:28.280 --> 00:06:30.120 But what about this whole grow with money thing? s80 00:06:30.120 --> 00:06:31.880 What could this possibly mean? s81 00:06:31.880 --> 00:06:34.280 Well, it's more agentic trading and investing. s82 00:06:34.280 --> 00:06:37.360 And the first time I heard about this, I thought it was the most ridiculous thing in the world. s83 00:06:37.360 --> 00:06:41.080 Why would I ever give my ChatGPT access to my bank account? s84 00:06:41.080 --> 00:06:45.120 Or why would I ever tell Grok to make me money and actually expect it to work? s85 00:06:45.120 --> 00:06:50.240 But after digging into it a little bit more, we found really three core use cases that exist today. s86 00:06:50.240 --> 00:06:52.120 I'm sure there'll be more going forward. s87 00:06:52.120 --> 00:07:01.200 And the the core differentiation between this whole Grok make me money thing and what's actually happening is the human just providing a teensy bit of agency. s88 00:07:01.200 --> 00:07:08.800 And what I mean by that is the the human still sort of directing the agent to automate these tasks that would otherwise be very difficult. s89 00:07:08.800 --> 00:07:19.680 So, say for example, I just want to have my low-risk, you know, 80% S&P, 5% Bitcoin and, you know, 15% T-bill account fully managed and handled for me by an agent. s90 00:07:19.680 --> 00:07:24.600 I can just tell it to do that, give it authorization with all the appropriate guardrails and whatnot, and let it run. s91 00:07:24.600 --> 00:07:26.440 And I don't have to think about my money. s92 00:07:26.440 --> 00:07:30.360 Similarly, we've seen autonomous execution be a pretty compelling use case. s93 00:07:30.360 --> 00:07:37.760 I'm going to go into an example about what this means later on, but you can imagine if you're interested in trading the the straight-from-the-news and what's happening with oil. s94 00:07:37.760 --> 00:07:46.520 You could either be sitting in front of your keyboard at 3:00 a.m. watching these charts and watching the news, or you could tell the agent, "Hey, this is what I think is going to happen in these different scenarios. s95 00:07:46.520 --> 00:07:49.040 If this happens, just make that trade." s96 00:07:49.040 --> 00:07:58.800 And the third one that's been particularly compelling is the idea of taking a high-level natural language idea and translating that into actual financial primitives in in a strategy. s97 00:07:58.800 --> 00:07:59.920 Invest in space. s98 00:07:59.920 --> 00:08:01.120 Invest in quantum. s99 00:08:01.120 --> 00:08:02.480 Give me a low-risk portfolio. s100 00:08:02.480 --> 00:08:03.920 Invest like Warren Buffett. s101 00:08:03.920 --> 00:08:14.480 All of these things for people who have these ideas, but they don't necessarily have the time to execute on them, nor do they exactly know how, is a very compelling opportunity for agents to come into the foray. s102 00:08:14.480 --> 00:08:18.280 So, I'll give you one coherent example of something I was actually doing a couple weekends ago. s103 00:08:18.280 --> 00:08:23.640 So, you you all may may remember that Daria put out this post, "We must paste the frontier." s104 00:08:23.640 --> 00:08:24.480 This was over the weekend. s105 00:08:24.480 --> 00:08:26.000 This was about a month ago. s106 00:08:26.000 --> 00:08:29.120 And I saw on X that Elon said, "Dario is right." s107 00:08:29.120 --> 00:08:32.120 I was like, "Holy That's the first time that these two have agreed on anything. s108 00:08:32.120 --> 00:08:35.599 That's probably going to be market-impacting news come Monday." s109 00:08:35.599 --> 00:08:43.000 So, I went into my agent and I said, "I think that blank stock" You might be able to guess what it is, but I'm just not going to not going to go there. s110 00:08:43.000 --> 00:08:44.800 I think that blank stock is going to go down. s111 00:08:44.800 --> 00:08:52.160 And because we're now entering this era of 24/7 markets, I was able to put a short on these positions over the weekend just by talking into my phone. s112 00:08:52.160 --> 00:08:55.880 Could I have done this by sitting in front of a computer and then pressing all the buttons manually? s113 00:08:55.880 --> 00:08:56.960 Yeah, totally. s114 00:08:56.960 --> 00:08:59.080 But having it completely handled for me was so easy. s115 00:08:59.080 --> 00:09:01.520 Let me go about my day and not really think about it. s116 00:09:01.520 --> 00:09:14.720 And since then, since this worked fairly well, I now have my agent searching over the weekend for any news that might be market-breaking or blockbusting or whatever it might be, and it lets me know anytime that happens such that I can make a trade off that going forward. s117 00:09:14.720 --> 00:09:17.640 And is this specific opportunity going to exist forever? s118 00:09:17.640 --> 00:09:18.680 Likely not. s119 00:09:18.680 --> 00:09:30.000 But the whole idea here is that it's so simple and so straightforward for me to just talk my ideas to life that there's a very compelling use case for for agents around this whole thing. s120 00:09:30.000 --> 00:09:31.120 This is another way to look at it. s121 00:09:31.120 --> 00:09:44.760 This is kind of how we think about building this AI-enabled financial account, and And really, you know, breaks down into advanced traders, and also more like retail consumers, and and what exactly we want to do to provide them with the best-in-class experience across s122 00:09:44.760 --> 00:09:48.320 uh across the spectrum of capabilities that we can offer. s123 00:09:48.320 --> 00:09:55.960 So, all that being said, we've we've been building this stuff for about 2 years now, and we've had a lot of takeaways and lessons that have come into play, s124 00:09:55.960 --> 00:10:02.040 and I think are pretty broadly applicable to building for agents and building for this new agentic era. s125 00:10:02.040 --> 00:10:05.880 The first is that trust and autonomy are earned one set at a time. s126 00:10:05.880 --> 00:10:11.160 The most question we get when we tell people that we're working on agentic finance is, "What if the AI goes rogue? s127 00:10:11.160 --> 00:10:13.360 Why would I give money to an AI agent? s128 00:10:13.360 --> 00:10:15.720 How can I trust that this thing is going to work?" s129 00:10:15.720 --> 00:10:20.480 And it feels very analogous to me to the way that we've seen self-driving cars start to proliferate. s130 00:10:20.480 --> 00:10:28.080 A couple of years ago, you'd be insane to try to use lane assist to parallel park, but now you go to San Francisco, you jump in a Waymo, and it feels completely natural. s131 00:10:28.080 --> 00:10:36.120 And we're seeing the same level of progression with the way that people view AI having access to money and finances. s132 00:10:36.120 --> 00:10:41.520 It starts with complete hesitation and and no real thought whatsoever to the concept. s133 00:10:41.520 --> 00:10:45.920 Then, people come around to the idea that, "Well, I mean, my AI is already chugging through credits. s134 00:10:45.920 --> 00:10:47.560 That's kind of a form of money. s135 00:10:47.560 --> 00:10:51.640 What's the big deal if I gave it a couple dollars to pay for some microtransactions?" s136 00:10:51.640 --> 00:10:59.280 From there, you'll notice that these models are quite conservative and and aligned to the the users' needs, and they don't really do anything crazy. s137 00:10:59.280 --> 00:11:09.520 Anecdotally, over the past couple of years, we've never seen any situation where a model goes and and blows up a user's entire account in a way that's completely uh un- unfixable. s138 00:11:09.520 --> 00:11:21.280 So, then we get to the point of a user feeling comfortable with the right guardrails and rules and safety policies and procedures in place to give their agent access to an isolated portfolio that they can attempt to grow however way they see fit. s139 00:11:21.280 --> 00:11:31.720 One way is trading, but another is by offering a service and seeing if that agent can go make money by offering whatever it's doing and getting paid for that via these X402 rails that we're talking about. s140 00:11:31.720 --> 00:11:35.400 You can see how from there it just continues to to go on and on. s141 00:11:35.400 --> 00:11:42.040 The other thing that it has been particularly interesting to see is that especially in financial services, AI and agents are not the product. s142 00:11:42.040 --> 00:11:43.760 It's actually the enabler. s143 00:11:43.760 --> 00:11:48.160 And this is a screenshot from one of our internal AI products called Coinbase Advisor. s144 00:11:48.160 --> 00:11:51.440 It's actually an SEC registered AI AI financial advisor. s145 00:11:51.440 --> 00:11:53.440 It's the the first in the world of its kind. s146 00:11:53.440 --> 00:12:02.520 And what we noticed is that AI and this concept of an AI giving financial advice, even though we've had a team of asset managers who are tuning this model, s147 00:12:02.520 --> 00:12:03.800 that's not the value prop. s148 00:12:03.800 --> 00:12:12.920 The value prop here is that we can scale this advice to hundreds of millions of users, provide it for completely free, and give them the ability to talk to a trusted regulated entity 24/7. s149 00:12:12.920 --> 00:12:17.480 People actually don't care, don't even necessarily know or want to know that there's AI going on behind the scenes. s150 00:12:17.480 --> 00:12:29.040 And though it may be obvious with the chat button and whatnot, I think this is going to lead into more generative UI experiences that feel pretty traditional, where you have agents behind the scenes and whatever sort of interface you want on the on the front. s151 00:12:29.040 --> 00:12:33.160 Another thing we saw too is this whole AI chat experience. s152 00:12:33.160 --> 00:12:44.480 Though it's great for these generic use cases, it's very obvious that there's this blank canvas cold start problem that happens, where users come in and they have absolutely no idea what they can do with this stuff. s153 00:12:44.480 --> 00:12:53.839 So, we started using these widgets as a way to show the user proactive insights and and opportunities that exist and and what they can start using these for. s154 00:12:53.839 --> 00:13:02.720 And we've seen really strong conversion through this surface specifically because of the general nascency and lack of education around agentic finance and what these opportunities are. s155 00:13:02.720 --> 00:13:09.800 And I suspect over time as people understand it, and you see this a lot too with the, you know, Google Gemini and OpenAI ads, they're all trying to subconsciously s156 00:13:09.800 --> 00:13:14.920 drill into users the variety of use cases that you can take with these products. s157 00:13:14.920 --> 00:13:20.600 Lastly, all these next-gen agents, particularly Grok Bot and Muse, they all have a micro VM. s158 00:13:20.600 --> 00:13:26.120 It's like a little personal computer that they can run things on, have storage, have access to a file system. s159 00:13:26.120 --> 00:13:28.920 That's been huge for our development process. s160 00:13:28.920 --> 00:13:35.400 We are now able to create CLIs and MCPs to let users connect their Coinbase account into these agents. s161 00:13:35.400 --> 00:13:36.440 Nothing special. s162 00:13:36.440 --> 00:13:41.280 What is special though is that we get requests all the time for things like, "I want to do paper trading. s163 00:13:41.280 --> 00:13:42.640 I don't want to give my agent any money first. s164 00:13:42.640 --> 00:13:44.160 I just want it to trade entirely on its own." s165 00:13:44.160 --> 00:13:45.080 Or "I want to backtest." s166 00:13:45.080 --> 00:13:47.080 Or do all these different things. s167 00:13:47.080 --> 00:13:52.320 And prior to these agents being a thing, we would have to go to our internal brokerage team. s168 00:13:52.320 --> 00:13:54.680 We'd have to build within this random repository. s169 00:13:54.680 --> 00:14:00.400 All these changes in in big tech things would have to persist and distill and percolate and and just a lot of work. s170 00:14:00.400 --> 00:14:05.360 But now we can just write a skill to write the paper trading code onto the user's machine. s171 00:14:05.360 --> 00:14:14.600 And while this probably isn't the most uh the most efficient way to do it, it allows us to execute and build and iterate at the pace that our customers are demanding s172 00:14:14.600 --> 00:14:21.720 without having to worry about all of the implementation details and all of the dependencies and traditional software cycles that might come into play. s173 00:14:21.720 --> 00:14:28.280 So, with that I want to leave you with a couple thoughts about where I think the space is going and why agentic finance is going to be such an interesting opportunity. s174 00:14:28.280 --> 00:14:34.720 My core thesis here is that financial independence leads to greater autonomy for these agents. s175 00:14:34.720 --> 00:14:43.480 And you can imagine that in the same way when a human has access to a card on the internet, they can do so much more than they can when they're just browsing and don't have access to pay for any things. s176 00:14:43.480 --> 00:14:45.280 I think the same exact thing is true for agents. s177 00:14:45.280 --> 00:14:50.240 And we're going to get to a point where we can see these agents interacting over long periods of time. s178 00:14:50.240 --> 00:14:56.000 And maybe they're just bringing in humans at the edges when they have a specific regulated task that needs to be take place. s179 00:14:56.000 --> 00:15:05.520 Like forming a company or getting a legal opinion or any one of these tasks that is is going to maintain its its human oriented factor for the foreseeable future. s180 00:15:05.520 --> 00:15:12.480 There's a really interesting uh thing that we've been thinking about as a thought experiment, which is what happens when an AI is able to sustain itself. s181 00:15:12.480 --> 00:15:13.360 You give it access to money. s182 00:15:13.360 --> 00:15:16.080 You give it access to a wallet and you allow it to start earning. s183 00:15:16.080 --> 00:15:17.720 Can it start to pay for its own inference? s184 00:15:17.720 --> 00:15:20.600 Can it start to pay for its own compute and its own upkeep? s185 00:15:20.600 --> 00:15:30.680 And does this start to feel a little bit like a like a proto-digital life form of sorts where this AI is now able to just exist and subsist based on the the the quality of the services that it's providing? s186 00:15:30.680 --> 00:15:34.760 And though I think this is a long way away, I think it's very possible to see how this concept comes back to life. s187 00:15:34.760 --> 00:15:37.760 And within the crypto space specifically, there's this concept of a DAO. s188 00:15:37.760 --> 00:15:41.080 It's a DAO, decentralized autonomous organization. s189 00:15:41.080 --> 00:15:48.200 And it's been an idea for for almost a decade now, but there's never been really any interesting implementation where there's automation at the center and humans at the edges. s190 00:15:48.200 --> 00:15:50.960 But I think now is the time where this is finally going to become a thing. s191 00:15:50.960 --> 00:15:59.960 You have an AI that follows a set of rules and has access to a treasury to manage at that core, and it can hire out humans to do other tasks at the edges, but it's really this self-sustaining s192 00:15:59.960 --> 00:16:04.680 uh organization that that uses AI and agentic finance to make that all come to life. s193 00:16:04.680 --> 00:16:07.880 Another example being self-driving car that owns and run itself. s194 00:16:07.880 --> 00:16:14.160 Give it access to money, let it take people on taxi rides, use that money to pay for its operation and maintenance and upkeep and whatnot. s195 00:16:14.160 --> 00:16:20.000 It It's a very interesting thing, and you know, who knows how long it'll be until that comes to life, but it feels inevitable at some point. s196 00:16:20.000 --> 00:16:25.560 And the the whole idea here being that agents are just going to be start transacting at the speed of machine-to-machine commerce. s197 00:16:25.560 --> 00:16:35.839 They are going to be both paying and earning and building, and ultimately I think it's going to be the primary way that we see money move across the internet in a velocity as which we've never really seen before. s198 00:16:35.839 --> 00:16:37.280 So, that's all I had. s199 00:16:37.280 --> 00:16:38.760 Really appreciate everyone's time today. s200 00:16:38.760 --> 00:16:45.520 If you're interested in in collaborating or jamming, I would highly recommend you play around with X402 and the Coinbase MCP and all of our fun products. s201 00:16:45.520 --> 00:16:48.360 I promise you they're much easier than you think to get started with them. s202 00:16:48.360 --> 00:16:49.920 And uh yeah. s203 00:16:49.920 --> 00:16:50.360 Thank you all. s204 00:16:50.360 --> 00:16:52.800 Thank you all for your time.