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TFTC: A Bitcoin Podcast

#711: How to Turn Any App Into a Bitcoin On-Ramp with Harsha Goli

TFTC: A Bitcoin Podcast

Marty Bent

Technology

4.8804 Ratings

🗓️ 2 February 2026

⏱️ 74 minutes

🧾️ Download transcript

Summary

Marty sits down with Harsha Goli to discuss his decade-long journey building Bitcoin infrastructure, the challenges companies face integrating traditional finance rails, and how Magnolia is launching a full banking API to help any Bitcoin application convert fiat to Bitcoin across all 50 US states.

Harsha on X: https://x.com/arshbot

Magnolia: https://magnolia.financial/

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Transcript

Click on a timestamp to play from that location

0:00.0

You've had a dynamic where money has become freer than free.

0:10.0

If you talk about a Fed just gone nuts, all the central banks going nuts.

0:16.0

So it's all acting like safe haven.

0:18.0

I believe that in a world where central bankers are tripping over themselves to devalue their

0:23.5

currency, Bitcoin wins.

0:25.3

In the world of fiat currencies, Bitcoin is the victor.

0:29.2

I mean, that's part of the bold case for Bitcoin.

0:31.9

If you're not paying attention, you probably should be.

0:36.2

Get that warm cup on your hands.

0:38.3

I am.

0:39.3

I am using it.

0:40.3

This is my current source of warmth, all right?

0:43.3

It's working well.

0:44.3

Oh my gosh.

0:46.3

We got the deep freeze.

0:47.3

It's good for focused work.

0:49.3

I've found that over the last three days.

0:51.3

I've had a lot of focused work because I've been forced to stay in the house. It's very punishing if you go outside, yes. It's like the roads are icy. If I go visit a friend, I'm risking life and limb. I might as well get work done, you know? Yeah, why risk it? You can just sit at the computer. You can play with all these AI tools. He can push towards a goal. You may have,

1:11.7

but I think the idea of focus work is apropos for this discussion, because I know that you've had

1:21.8

a lot of focus work building out Magnolia relatively under the radar behind the scenes for the last couple of

1:31.2

years. And as we were discussing before we hit record, I'm sitting down with Harsha Goley. And

1:37.3

for those of you who are not familiar with Harsha, he's been in the industry for quite a while

...

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