Serial entrepreneur with deep background in FinTech,Crypto, and Capital markets. Ram built and sold his first startup to an a16z backed Cross River Bank. Ram is a "non-consensus" investor who seeks to identify investment themes before they become mainstream. Featured in WSJ, Bloomberg, CoinDesk, American Banker, and CNBC; Ram has co-authored editorials with luminaries like former SEC Chair Arthur Levitt. His market insights are read by 60,000+ loyal followers across social media and the influential Lumida Ledger newsletter. His investing philosophy was shaped by Warren Buffett and Peter Lynch, as well as his experience navigating financial crises as the youngest VP at Merrill Lynch and executive at Bank of America.