Ari Gati is a co-founder, chairman and contributing writer of Bankless Times.

"The 2008 financial collapse was a wake-up call to begin looking at distributed crowd-based finance and become less dependent on banks. While the largest of banks have only gotten larger, we now have real viable alternatives in P2P lending, crowdfunding and digital currency that may very well reduce the impact of future downturns and capital freezes."

John White is an Internet media expert and editorial consultant who has been developing news websites since 1996. He is a skilled editor and experienced in new-media development and execution, on-the-fly editing, planning and posting, live-event producing, team building, social media posting and more. He has been an editor, managing editor, manager of communications and president of an online media company. John is the regional editor for Black Press in beautiful British Columbia, Canada. Prior to that, he was digital news editor at the Edmonton Journal, one of Canada's leading daily newspapers and digital news teams. Before that, John was deputy editor, online of the Winnipeg Free Press, where his leadership and vision drove explosive growth in absolute uniques and 130 per cent growth in reader comments and submissions. He developed the business plan for Canada's first online-only news service and took it from concept through execution. He has a proven track record of effectively leveraging social media and content marketing tools to expand audience and brand reach. John graduated from Red River College with a Creative Communications diploma.

Tony Zerucha is the managing editor of Bankless Times. A two-time LendIt Journalist of the Year nominee and winner in 2018, Tony has written more than 2,000 original articles on the blockchain, peer-to-peer lending, crowdfunding and emerging technologies over the past seven years, making him one of the senior writers in the alt-fi sector. "The evolution of the crowdfunding and peer-to-peer lending scenes is absolutely fascinating to chronicle. It is a joy to be around people with such passion and vision."