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Johny Fernandez: What's going on
everyone? I'm Johny Fernandez.

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Sean Murray: And I'm Sean
Murray.

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Johny Fernandez: And this is
deBanked News Live. So huge

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milestone today, Sean here at
deBanked. Our website. It's 4000

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days officially, as a registered
blog slash website. Huge

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milestone. Congrats.

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Sean Murray: It is. Yeah. Thank
you. Okay, yeah. Thanks. Thanks,

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where are the balloons?

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Johny Fernandez: There on the
screen.

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Sean Murray: Okay, there's
balloons on the screen. Okay.

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Awesome. Yeah. So today, we are
celebrating 4000 days since

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deBanked first went live online,
we started as a blog back in

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2010. It was originally called
merchant processing resource,

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which is kind of a wordy, long
name. Hard to remember, people

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would try typing like merchant
processing source, merchant

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source. It would you know, you
basically had to google it, to

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get to it. You know, google.com,
google.com for those who are who

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are not familiar with just
Google, don't put in .org. But

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yeah, we've been we've been
around since since 2010. And

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today's, actually, I think, day
4001. Yesterday was was was 4000

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days. And that is about 11
years. So it's longer than 10

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years, we already had our 10
year anniversary. And now Now

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we're approaching on hitting the
11 year anniversary. So 4000

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days. Pretty incredible. Like.

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Johny Fernandez: Wait so the
question, how'd you get from

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that super long name to
deBanked.com?

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Sean Murray: So that's a good
question. So when we first

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started when I first started it
was just me, I was doing it from

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home while working in the
alternative finance industry. I

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was a Broker. Fair legend. I
don't know if I was I don't know

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if I don't know if I was a
legend. But I started blogging

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about 11 years ago.

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Johny Fernandez: Did it start
like, dear diary?

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Sean Murray: I don't know.
That's I don't know how you blog

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back in the day. But no, it was
it was a it was a very much like

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it was today in that it was well
I guess it was more opinionated.

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Yeah. And written in more first
person. I was writing from

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experience. I wasn't really
reporting news. Yeah. So to

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speak. We weren't really a news
site. It was more like. Yeah.

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Kind of like more like a behind
the scenes from the trenches

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type of commentary.

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Johny Fernandez: A day in the
life.

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Sean Murray: Yeah, a day a day
in the life. That's exactly

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that's exactly what it was. And
it was very heavily focused on

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merchant processing. That's the
payments industry, with like

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merchant cash advance sprinkled
in, cause payments was kind of

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the backbone of everything.
Well, some years go by and

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finance kind of divorced itself
from payments and alternative

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finance as we know it, fintech
and all that kind of became its

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own genre, outside of payments.
And the more popular part of our

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site was the finance part, it
was the small business lending,

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it was the merchant cash
advance, it was the peer to peer

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lending. So it made more sense
to kind of to follow that end of

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it. And a lot of that innovation
was happening in the world of

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non bank finance. These were not
not banks, who were providing

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the capital. And so we, you
know, I was thinking about how

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do you describe a universe? So,
you know, perfectly, right? And

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can that word be used to make be
the site? And so I went through

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a whole list of names, and
deBanked was one of them. And

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then I had to do do the.com
search, you know, does it

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already exist, is it taken, and
then I had to do the trademark

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search. Okay. Because you can
pick a name the.com is

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available, but somebody already
has it as a trademark, then you

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could potentially be infringing
upon. And so you have to go

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through all these searches. Back
in, I don't know if it was 2013,

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2013, or 2014, that we changed
the name, I changed the name to

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deBanked. But you know, I jumped
through all the all the hoops,

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and the name was free to the
domain was free, bought it up,

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changed the name actually
registered the trademark, we

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have deBanked, as you know, with
R inside the circle saying that

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it's a registered trademark, and
deBanked is about the world

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outside of the traditional
banking universe.

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Johny Fernandez: That's cool.
And now it's TV, it's blossomed,

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and it will continue, excited to
see what's to come conferences,

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TV, and the legend on board.

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Sean Murray: Yeah, yeah, I don't
know how legend how legendary I

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am. But someone asked me last
week, they told them, I'm like,

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hey, we have a milestone coming
up at deBanked 4000 days. And

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they were like, wow, that's a
long time. And they're like, are

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you happy with like, your
progress? And I didn't know if

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that was supposed to be like a
criticism. You know, like, you

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know, and you're only you know
where you are with it. Yeah. And

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so that was actually it's a good
way to think about it. Right?

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Are you happy with where you
are? And you always want to be

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way ahead of where you are.
Yeah. Especially since 4000

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days. It sounds like it sounds
like a job. Yeah. It and it is a

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job. But a long time ago, this
didn't exist. Yeah. And we

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clearly have proven proof of
concept this is a startup type

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environment. We're a very small
company. But we're not really a

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startup. Yeah. This is this is a
needed business. Inside an

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industry that that requires this
to exist. And so I did a little

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self examination like, hey, am I
happy with where I am at 4000

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days because I didn't sign up
for 4000 days when I started, I

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started more as a with more like
a passion project in the

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beginning, and just kind of, you
know, blossomed over time. And I

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never thought that I would still
be here, doing this exact thing

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4000 days later. But I think if
you take a look at, you know,

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the whole, you have to see if
there's been any type of

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progress, right. And we've
certainly grown. When I started,

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I didn't have any employees I
was working out of my out of my

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apartment. Got my first office,
maybe a year after I started. So

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that's like, 9, 10 years ago.
Yeah. And obviously, we have a

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pretty big office here in
Brooklyn. Yeah. But still a

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small team. And we, you know,
we've, as you mentioned before,

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we have conferences, now we have
TV, it's still kind of something

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that's a work in progress. But
you know, we've also acquired

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the DailyFunder forum, right,
we've we've added little pieces

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and bits along the way. And if
you look at the growth over

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time, our revenue is certainly a
lot, a lot larger than what it

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was 10 years ago, for sure. And,
you know, COVID, did it did

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impact that a little bit. Yeah.
Well, maybe more than a little.

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So, you know, we could have been
ahead of where we are now. COVID

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kind of just slowed down the
growth a little bit. But I'm

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pretty happy about where this
is, after 4000 days, I feel like

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if, if I could look back and
say, where could I hope to be in

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4000 days, I'd say I'd probably
be happy with this outcome. And

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I still want to be further
ahead, we're still looking for

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ways to grow and expand, I'm not
the complacent type where I'm

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just satisfied with what I have,
I wasn't really looking for a

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what they call lifestyle
business. Where I come in here,

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we write a bunch of stories then
go home, and then I hope,

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nothing changes it, you know
what I mean, and I just go and

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live my life. And this is what I
did. I think about this stuff

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all the time, alternative
finance nonstop. And I think

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about ways that we can help the
community and foster the

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alternative finance community
and really play a role in that

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and also grow our company. And I
think about it as a startup. You

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know, like, what can we do to
become really, really big? Yeah.

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And, you know, I look at so many
fintech stories, I'm very much

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interested in sort of following
a similar type of path, while at

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the same time recognizing we're
really media. And you know,

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we're not a fintech company. So
we're not gonna have like series

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A's and series B's and all that
type of stuff. You know, I've

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self financed the company from
the beginning. But I'm still

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very much interested in and
looking to see what more we can

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do. From this point on, I'd say,
I'm you know, pretty happy with

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the 4000 day. Yeah. Point of
where we're at right now. Yeah.

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Johny Fernandez: So speaking
about growth and speaking about

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just, you know, seeing this
company blossom. I know, we've

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been talking about different
opportunities that have been

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presenting itself to deBanked.

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Sean Murray: Okay, yeah. So I
think what Johny is talking

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about is that we just made a
very, very, very small

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acquisition. We've acquired the
Lend Academy Forum, not the

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entire Lend Academy site, but
the Lend Academy forum. It is,

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to my knowledge, one of the
oldest online lending slash peer

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to peer lending forums online.
And the reason we acquired it

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was something happened with
LendIt, LendIt it owns the Lend

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Academy Forum, in which they,
they they lost the forum, they

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lost the server. And we had a
unique, a unique solution to

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restore it. And so we talked to
them, and we decided to just

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acquire it from them, should we
be able to bring it back. And so

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far, we've actually been able to
bring back a third of it in just

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a few short days. Yeah. So you
can actually go to the Lend

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Academy Forum right now. It's
not lendacademy.com. Anymore.

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It's gonna it's going to be on
our site going forward. We

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currently have it hosted at
debanked.com slash  p2p forum.

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p2p forum. Yeah. And it stands
for peer to peer because it was

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originally they're like the peer
to peer lending firm. So in just

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rebooting it up by set it as p2p
forum, so, debanked.com/p2p

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forum, you go on there. We've
already restored 16,000 posts

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that were on the forum. So we've
restored a significant number

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amount of the content that was
on that site. We're talking

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about 10 years worth of
conversation, right? I think one

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of the kind of unspoken pieces
of value in this industry.

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People talk about, you know, how
do people learn, how do people

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get to where where they are in
finance, a lot of them a lot of

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them end up on message boards. I
know this very well, because

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deBanked has a forum and we have
DailyFunder. DailyFunder has

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150,000 posts on it. Yeah.
Right? Gets 10s of 1000s of

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visitors every month. And so
people in the industry, they use

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these particular message boards,
even if they're not posting to

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see what other people are
talking about, it's a very

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valuable place to exchange
information and I find that it's

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also helpful to see what people
were talking about historically.

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Yeah. Like where people were at
before. So even if you're not in

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there, and now in the
conversation, you can kind of

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see like, well, what were people
saying a year ago? Yeah. Right.

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You can find an old thread.
Yeah. An old post. Is this

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company legit? What was your
experience?

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Johny Fernandez: It's like it's
a rabbit hole you can go in and

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then just like. Yeah. It's a
goldmine at that point.

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Sean Murray: Yeah. And I think
it's super valuable. And I also

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think about the preservation of
discussion as kind of being an

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important part of alternative
finance, the fact that it should

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it should be preserved, even if
there's no sort of monetary

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benefit to get from it that
because it's so useful, it will

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be useful for people in the
future, think about it, we see a

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lot of things go full circle.
Yeah. And if people don't

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remember the the past, you know,
they, they can repeat all the

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same mistakes. And I've kind of
seen that already with peer to

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peer lending. You know, this,
the peer to peer lending

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phenomenon really started, like,
we're talking like 10 years ago,

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and it it kind of completed the
entire lifecycle and that now

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it's all bank lending. Again,
all the peer to peer lenders

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became, essentially became
banks. And if they're not banks

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themselves, they're working with
banks. And so it's a very much

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just bank lending at the end of
the day. And then you have the

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next generation of entrepreneurs
come into the business. And

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their bright idea is, hey, how
come everything is done by

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banks, we should have people
help people. And their idea is

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essentially peer to peer
lending, which already came and

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went, and then they're like,
recognizing, recognizing that

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it's not part of the ecosystem.
And they're like, what a unique

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novel idea? And I'm like, well,
we already had this. Yeah. And

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there's, you know, there's a lot
of regulation involved now. And

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it's not really the Wild West,
and some of your initial

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thoughts about how to do this
are have been well considered

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and played out, you know what I
mean? Like, there's a history of

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like how these things work. And
I think a forum is a great way

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to communicate that to the
world. And, you know, in terms

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of everyone's thought process,
even the conversation about how

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certain accounts performed, and
people discussing the analysis

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of performance, because one area
of particular interest for

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companies like Lending Club and
Prosper, they were kind of the

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cornerstone of the peer to peer
lending market is they will give

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you, they will give you a figure
that will tell you what your

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performance was. And then people
in the forums would say, I'm not

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sure that's actually an accurate
number, or here's how you should

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be really looking at it. And I
just felt like that information

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was so helpful to me. And I
think it will be continued to

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continue to be helpful to people
down the line, even if they're

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not actively engaged in the
current conversation. So.

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Johny Fernandez: No, I think
it's great. And I think I think

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like you said, there's a lot of
new people coming in. And they

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need to know that kind of the
full circle moment, because I

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feel like a lot of kids, a lot
of people in general, whether

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like specifically like
millennials, you know, people

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that are under the age of 40,
they have these great ideas, and

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they think they're the only ones
that have it, but it's already

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been done. So I think it's
great, I think it will

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definitely bring a wealth of
knowledge, and not only benefit

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us, but also will interact with
a whole different crowd too. So.

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Yeah. It'll be great.

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Sean Murray: Yeah, you know,
we've obviously written about

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peer to peer lending quite a bit
over over the years. But we've

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never really had an active peer
to peer lending community on our

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site. Yeah. I think this will be
a good addition to have. Yeah.

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We're gonna start reaching out
and announcing it to the world,

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I suppose on social media and on
on our website in the coming

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week or two weeks, we're still
restoring parts of the site. So

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it's, if you go there, and
you're like, hey, there's some

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parts that look a little broken.
Yeah. You know, we're using some

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unique methods of recovery, to
even to even put this thing back

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together. But we will get there.
And we will tell people,

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obviously, we do want people who
were avid users, or even just

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lurkers of the forum to come
back to it. Yeah. And, you know,

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I don't think that we acquired
the, the, essentially, like the

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name the trademark rights to it,
Lend Academy will still be Lend

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Academy. And they'll still be
part of LendIt, we specifically

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only required the forum, the
message board with within their

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little ecosystem there. And so
that's all that we've acquired

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in this. And right now, if you
want to see what what where our

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progress is, if your posts are
saved, if you are a member of it

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debanked.com/p2pforum right now,
if you see the forum menu at the

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top there's actually a little
drop down now that we added that

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you can actually select it from
there if you can't find it. And

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if you want to restore access to
your account, you will have to

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email us at info@debanked.com.
We can put your email address

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and set you up with a new
password on that that

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information is gone.
Unfortunately, that's that's the

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kind of information that would
have been stored in the database

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itself and encrypted. Yeah. And
when, like encrypted data is

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lost on in a database on a
server. That's really, really

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hard to get back. And so what
we're gonna ask people to do is

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email us to just essentially
reestablish your information

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with us and we'll just hook your
account right back up. You know,

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the accounts are still there.
Yeah. And the posts are still

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attached to them. We just need
to add a password to email back

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to the accounts.

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Johny Fernandez: Yeah. And then
for other information regarding

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stories, TV series that we've
done episodes, etc. You can go

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on debanked.com. And you can
also check on our social media

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platforms. We have Instagram,
Twitter, LinkedIn, and Facebook.

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And also information regarding
our conferences coming up in

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December Broker Fair here in New
York. That's gonna be super

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exciting. And yeah, so Broker
Fair updates we have right

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there, Twitter, Instagram and
LinkedIn. So that's pretty much

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does it for us today.

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Sean Murray: 4000 days.

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Johny Fernandez: That's
exciting. I'm excited. That's

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super cool. 4001.

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Sean Murray: 4001 days.

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Johny Fernandez: So from all of
us here, I'm Johny Fernandez.

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Thanks for tuning in.

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Sean Murray: See you next time.

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Johny Fernandez: Who are you?

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Sean Murray: I'm Sean Murray.