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BERLIN, GERMANY - NOVEMBER 30: CEO of N26 Valentin Stalf, CEO of Tandem Ricky Knox and Romain Dillet speak on stage during TechCrunch Disrupt Berlin 2018 at Treptow Arena on November 30, 2018 in Berlin, Germany. (Photo by Noam Galai/Getty Images for TechCrunch)
SAN FRANCISCO, CA - SEPTEMBER 07: Carbon Co-founder and CEO Joseph DeSimone (L) and moderator Frederic Lardinois (R) speak onstage during Day 3 of TechCrunch Disrupt SF 2018 at Moscone Center on September 7, 2018 in San Francisco, California. (Photo by Steve Jennings/Getty Images for TechCrunch)
BERLIN, GERMANY - NOVEMBER 30: Jordan Crook speaks on stage during TechCrunch Disrupt Berlin 2018 at Treptow Arena on November 30, 2018 in Berlin, Germany. (Photo by Noam Galai/Getty Images for TechCrunch)
BERLIN, GERMANY - NOVEMBER 30: CEO of Truecaller Alan Mamedi speaks on stage during TechCrunch Disrupt Berlin 2018 at Treptow Arena on November 30, 2018 in Berlin, Germany. (Photo by Noam Galai/Getty Images for TechCrunch)
BERLIN, GERMANY - NOVEMBER 30: Founder and CEO of Spike Ziad Alame speaks on stage during TechCrunch Disrupt Berlin 2018 at Treptow Arena on November 30, 2018 in Berlin, Germany. (Photo by Noam Galai/Getty Images for TechCrunch)
SAN FRANCISCO, CA - SEPTEMBER 18: Ethereum Founder and Inventor Vitalik Buterin speaks onstage during TechCrunch Disrupt SF 2017 at Pier 48 on September 18, 2017 in San Francisco, California. (Photo by Steve Jennings/Getty Images for TechCrunch)