Robby Greenfield, CEO of Umoja Labs, believes the biggest challenge in crypto isn’t just adoption — it’s accessibility.

"The biggest way to make money in crypto is to be technical. And that's the issue," said Robby Greenfield, CEO of Umoja Labs on Roundtable . "All the yield opportunities, whether it's staking, whether it's locking some of a vault, just aren't accessible — not only to retail investors, but also institutional investors as well."

Umoja is a financial technology company, aims to democratize wealth creation through smart money protocols.

Speaking with Roundtable host Rob Nelson, Greenfield noted that despite Bitcoin's massive adoption, monetizing the asset remains a challenge for many investors who don’t have the technical expertise to navigate DeFi platforms.

"I think the big secret in terms of enabling people to monetize their Bitcoin or their ETH is to make these things simpler so that it's as easy as purchasing a stock on Robinhood," he said.

Aly Madhavji, founder of Blockchain Founders Fund, echoed this sentiment, arguing that a massive amount of Bitcoin is sitting idle instead of being utilized.

"The amount of people that are using derivative products within crypto and then end up getting liquidated was such a big problem," Madhavji noted. "But then I think [Greenfield] continued to go even further, for example, monetizing your Bitcoin—which is such an important aspect. There’s literally billions, trillions of dollars of Bitcoin that are just sitting around that are not being monetized."

Bitcoin holders, particularly long-term believers, often hesitate to put their assets to work due to risks like liquidation, counterparty failures, and regulatory uncertainty.

Greenfield acknowledged these concerns and noted the need for compliance.

"In fact, I just got off a call with Coinbase Prime, and they're preparing to enable staking of the assets underlying the ETFs," he said. "So it's definitely coming. For us, how do you do that in a compliant way? Because that's the other side of crypto that I think a lot of people are scared of."

Security is another major barrier, especially when it comes to Bitcoin.

"That is an asset that you believe in the long term. You see USD inflation, you see it potentially becoming a reserve asset. You do not want to lose it," Greenfield said. "So for us, it's merging those three things—being able to simply monetize, being able to make it compliant so you don’t get a subpoena, and doing it securely so that people never have a fear of getting their