Meet the Team | Bill Kalpouzanis | Co-Founder

When your vision and purpose is to make people’s financial lives easier, faster and more cost effective, how can you not succeed! Bill Kalpouzanis had a vision and has been tirelessly driving the Lodex platform to over 40,000 members as co-founder and co-CEO, now, always innovating, BLOCKLOAN is here as the future of banking.

“Building Lodex has been, and still is, a great learning platform as we have had to deal with many challenges as a start-up which will now help us scale BLOCKLOAN efficiently and quickly in the near future.”

Find out how blockchain and smart contracts will drive efficiencies in banking.


Financial services, like many other aspects of our lives, are undergoing a huge digital transformation. This financial transformation started years ago with a number of Fintech start-ups developing digital solutions for consumers to receive a better, more cost effective experience for their banking products. Blockchain technology, and its application, solves many problems when it comes to process optimisation and cost reduction, at the same time. There are a number of Blockchain protocols that are trying to solve, once and for all, this problem of systemic risk that comes as a result of concentration risk. This decentralised solutions will help solve this challenge.

BLOCKLOAN has been created to solve the problem of providing financial services to consumers, online and with almost zero human interface. BLOCKLOAN will provide traditional and new financial products such as Margin Lending, Crypto backed loans, Crypto Debit Cards and Wallets replacing traditional banking operations through the use of APIs and smart contracts. Fintechs are at the forefront of innovation, so if you want to be part of the Fintech revolution, you have to incorporate blockchain technology into your offering for today and the future.

  1. What is your current take on the state of the Crypto/Blockchain market?

Crypto/Blockchain market is at the very early stages, but it has huge potential. This is obvious, as almost all respected organisations in the world are using or experimenting with blockchain applications and protocols.

Blockchain is here to stay. It improves transaction efficiency and minimises costs, while cryptocurrencies provide utility or security value of concepts and ventures that previously couldn’t be measured or traded. Both, if used appropriately allow scalability minimising cross border transactions and risks. Blockchain technology will soon become part of mainstream transactions and people will be able to experience this in their everyday activities.

  1. How are you building on the learnings and foundations of Lodex?

Lodex is a banking platform model that has been built with the intention to replace banking processes and give the power to the consumer to choose the best available product, based on their risk profile.

Lodex has been a great experience for us as founders, as we both come from the banking world. We are able to always think of the user first and create ways to improve the customer’s experience, providing free solutions that help the process like scoring and property valuation reports.

The vision was always to scale the platform globally to support borderless transactions. Building Lodex has been, and still is, a great learning platform as we have had to deal with many challenges as a start-up which will now help us scale BLOCKLOAN efficiently and quickly in the near future.

  1. What is the big opportunity at the moment?

As financial services have been significantly transformed in the past decade, many existing business models are no longer viable due to their cost base. This transformation for Fintechs has sped up in the last 5 years with hundreds of Fintechs solving day to day pain points when it comes to banking transactions for consumers. Blockchain and Smart Contracts are the most innovative way to help Fintechs compete more competitively with traditional financial services institutions. As innovation drives change, some of the current Fintechs will soon become even bigger than large financial services institutions. Alibaba and Tencent are the first examples of this radical change.

  1.   When building your team and advisors, what has been your strategy?

It has always been about the team, this has been our motto from day one, as we started this journey. Building strong teams was the way we succeeded in our corporate careers and this is the emphasis on in our start-up. Team members should share the same vision as us, should see the opportunity not only from the financial perspective but also from the perspective of adding value and making the difference. It is common sense that things are changing so you need to comprise a team of people that have a strong track record in delivering results, but also feel good to be a part of the change.

  1. Companies to follow in this space

There are many new companies that are doing exceptional work. I admire what Alibaba, Tencent, Binance, Revolut, Transferwise, Credit Karma and of course Apple have achieved so far and how they keep scaling their businesses in such innovative ways.

  1. Any tips for people wanting to invest in an ICO?

ICO is a great vehicle for funding businesses and for teams that are trying to solve real problems. Investors need to understand the capacity of the team, in order to deliver, as well as the problem that the business is trying to solve. And of course resonate with their purpose and not base judgement on an eye-catching video or presentation. Research, research and research, each time you consider participating in any ICO.

  1. Anything else you want to share?

It is exciting to be part of this change and the evolution of finance as we know it. BLOCKLOAN has been created by people with exceptional results in their corporate careers. Our vision is to make our financial lives easier, faster and secure. Personally, I am thrilled to be a part of such a strong team.


*In the pic, Chris Karatsiolis, Bill Kalpouzanis, Aisha Hillary-Morgan and Michael Phillipou.