Sean Cosep has spent the last five years shaping the Web3 landscape. From working with industry giants like Kraken Digital Asset Exchange to leading protocol growth at Credible Finance, he has been at the forefront of financial innovation. 

Passionate about decentralization and financial freedom, Sean believes in building permissionless, borderless solutions that challenge traditional systems. In this exclusive feature, he shares insights into his journey, the transformative power of Web3, and his bold vision for the future of decentralized finance.

Can you give us a background of what you do?

I've been in the Web3 space for about five years now, with four of those years heavily focused on FinTech. I started my journey working with U.S.-based companies like GreenDot Bank, GoBank, and GO2Bank. Eventually, I transitioned into DeFi, serving as a consultant at Kraken Digital Asset Exchange. Currently, I’m the Head of Protocol Growth at Credible Finance. My expertise lies in TradFi, FinTech and Now De-Fi, PayFi and DeFAI. 

What made you interested in Web3?

I’m passionate about freedom and decentralization, two fundamental principles that make Web3 superior to traditional systems. The ability to build permissionless, borderless financial solutions excites me, and I’m driven by the speed at which innovation happens in this space. 

How is working/building in Web3 different from other industries?

Web3 is fast, permissionless, and global — unlike traditional industries that are slow, bureaucratic, and centralized. 

Speed of Innovation: Unlike Web2 or traditional finance, where innovation is constrained by regulations and legacy systems, Web3 moves at an exponential pace. 

Ownership & Incentives: In Web3, builders and users are stakeholders, meaning you’re not just a consumer you’re an owner. Token economies and governance models empower participants rather than corporations. 

Borderless Opportunities: Traditional industries are restricted by geography, but Web3 operates on a global scale. You can build and collaborate with people from anywhere, without the limitations of borders or intermediaries.

What’s your proudest achievement in Web3?

My greatest achievement is consistently dominating every domain I step into. I thrive on being the catalyst igniting change, driving innovation, and ensuring that others can follow the path I pave. Whether in traditional FinTech or DeFi, I’ve always positioned myself at the forefront of growth and transformation. 

If there’s something you would like to change in your Web3 journey, what would it be?

Nothing. I’m exactly where I need to be, and I’m proud of the path I’ve taken. Every experience both wins and challenges has shaped me into the builder I am today. 

What’s the biggest problem that you think Web3 can solve?

Traditional finance is inaccessible, slow, and requires excessive gatekeeping. Web3 changes this by enabling Credible Finance, a system where individuals can access credit without selling their assets. 

At Credible, we solve this by offering credit cards and cash loans backed by DeFi positions. If you’re lending or providing liquidity on platforms like Raydium, Meteora, Orca, or staking SOL on Jito, Sanctum, Jupiter, and others, you can receive a credit limit on Credible’s card. 

This allows users to unlock liquidity without having to exit or sell their assets to cover everyday expenses. Web3 can redefine finance by making lending borderless, trustless, and permissionless while ensuring that users maintain control over their assets. 

What’s your BTC price prediction in 2030?

I see Bitcoin hitting $500,000 by 2030. With increasing institutional adoption, growing scarcity (post-halvings), and its continued role as digital gold, BTC will remain the ultimate hedge against inflation and economic uncertainty.