Is crypto fundamentally changing the way the world works? In this episode of The Pavan Perspective, David Lykken and Manny Alicandro explore the future of cryptocurrency, blockchain, tokenization, digital assets, and decentralized finance. From peer-to-peer payments to tokenized real estate, fractional ownership, and the future of stock trading, this conversation reveals how global finance is being reshaped and the new opportunities for wealth creation. Whether you're an investor, entrepreneur, fintech enthusiast, or simply curious about the future of money, this episode offers valuable insights into one of the biggest technological and financial transformations of our time.

Speaker Information

Pavan Agarwal

Founder/CEO of Celligence LLCCreator of AngelAiCEO of Sun West Mortgage, nmls 3277

Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Empathetic Technology to make mortgages simple and accessible. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, and products into a single architecture to achieve success.

Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).

David Lykken

Founder and Chief Transformation Officer | Executive Coach and Business Strategy Consultant

Transformational Mortgage Solutions, LLC

David Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability.

David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers. In addition, David is a prolific writer, contributing articles to leading industry publications.

Manny Alicandro

Founding Partner

The Alicandro Law Firm, PLLC

Manny Alicandro is the Founding Partner of The Alicandro Law Firm, where he advises clients on compliance, risk management, regulation, governance, and financial services. With over 30 years of experience, he has held senior leadership roles at a hedge fund, a global management consulting firm, a global investment bank, a major U.S. exchange, and FINRA, specializing in electronic trading, market structure, regulatory compliance, and FinTech.

Manny holds degrees from New York University, Pace University, New York Law School, and MIT, and is admitted to practice before multiple state and federal courts, including the U.S. Supreme Court.

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Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.