Bread is embarking on a journey to become the world’s largest decentralized financial institution. Many of our team members have been involved in cryptocurrency since the early years, and have watched the rise of bitcoin, Ethereum, and other decentralized digital assets pave the way for a brand new type of financial infrastructure. These technologies make it possible for users to interact directly with their money, instead of relying on other businesses and entities which can be costly and limiting. We envision a future in which money is as fluid as information on the internet. Consumers are in control of their own finances, and rely on no one but themselves to keep their money safe. No longer can a hacker gain access to a single server and walk away with millions of credit card numbers. No longer do the livelihoods of millions of people rely on banks being able to manage their assets properly, weathering the risk of embezzlement and greedy investment practices.