On Thursday (January 10th), the two co-founders of Circle, the Boston-headquartered FinTech startup (backed by, among others, Goldman Sachs, Bitmain, Baidu, and IDG Capital), as well as some other members of the Circle team, talked about the interaction of Circle with financial regulators, Circle's contributions to open source projects, fake exchange volumes, privacy coins, over-the-counter (OTC) trading, security token offerings (STOs), the USDC stablecoin, mainstream adoption of crypto, and the current bear market.