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View from the Arch Ep 4: Wojtek Pawlowski (CEO, Accountable)

Wojtek Pawlowski is the CEO and co-founder of Accountable, a verification infrastructure company building privacy-preserving proof systems for institutional credit markets. After experiencing a $36 million default at Maven 11's credit arm during the 2022 crypto unwind, Wojtek set out to rebuild trust in lending from the ground up. Under his leadership, Accountable enables funds, lenders, custodians, and structured products to generate tamper-proof, real-time proofs of financial data without exposing sensitive trading strategies or proprietary information.

In this interview, Wojtek joins Himanshu, CTO of Arch, and Knyck, Head of Marketing, to discuss how Accountable is redefining transparency in digital asset credit markets. This episode of View From the Arch dives into the origin story behind Accountable and how verification infrastructure is becoming foundational to institutional crypto finance. Topics covered include:

The $36M default at Maven 11 that exposed the limits of self-reported financial statements in credit markets
How Accountable uses secure enclaves, ZKTLS, and local “node” architecture to generate cryptographic proofs of data integrity
Why borrowers can prove solvency, exposure, or drawdowns without revealing their “secret sauce”
The structure of Arch Lending and Galaxy’s $75M CLO, and how Accountable verifies collateral, loan books, and on-chain activity in real time
How depth token holders can access granular dashboards showing liquidation thresholds, collateral composition, and portfolio health
Why Accountable refuses to become a rating agency, and instead positions itself as neutral verification infrastructure
The launch of “Vaults as a Service,” enabling tokenized credit structures with embedded real-time proof systems
The future of institutional transparency, third-party light audits, and the rise of verification as a competitive edge in crypto credit markets
Wojtek's personal evolution in crypto since 2017, from Ethereum maxi to Bitcoin holder, and why he believes tokenized financial products are inevitable

This episode explores a core thesis: credit markets don’t fail because risk exists, they fail because risk is hidden. Accountable aims to make hidden risk structurally impossible.

Watch the full episode here:

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ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank.

Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.

Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, or VT or to U.S. businesses in CA, DC, HI, MT, NM, ND, RI, or VT. We encourage you to contact us to determine if our loans are available in your state.

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Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence.

Supported Assets. For the latest list of supported assets, refer to our Help Center.

No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.

No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.

State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer: In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch (License Number: RRL-11362).

Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License

License Number: RL-0026469

Effective Date: February 28, 2025

Regulator: Michigan Department of Insurance and Financial Services

Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933

Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012.

For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website.

For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 877 665 4759 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

Products

Company

Resources

Velocity with Mark Moss

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ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank.

Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.

Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of AL, CA, DE, HI, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.

Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence.

Supported Assets. For the latest list of supported assets, refer to our Help Center.

State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer: In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch (License Number: RRL-11362).

Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License

License Number: RL-0026469

Effective Date: February 28, 2025

Regulator: Michigan Department of Insurance and Financial Services

Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933

Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012.

For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website.

For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 877 665 4759 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

Products

Company

Resources

Velocity with Mark Moss

Socials

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank.

Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.

Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence.

Supported Assets. For the latest list of supported assets, refer to our Help Center.

State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer: In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch (License Number: RRL-11362).

Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License

License Number: RL-0026469

Effective Date: February 28, 2025

Regulator: Michigan Department of Insurance and Financial Services

Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933

Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012.

For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website.

For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 877 665 4759 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

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