Joanne Marlowe has focused the past 25 years of her career on improving the health of the banking industry and increasing the flow of investment capital into the credit market. After having studied the devastation left behind by the Global Financial Crisis of 2008, Joanne developed and commercialized the CPC™ as a versatile tool for fractionalizing, distributing, and trading credit freely across a global network of dedicated, regulated exchanges. With the convergence of a trillion-dollar-wall of credit coming due, market acceptance of alternative investments, and technology advancements that make a digital asset framework viable, the time to act on her macro-economic vision is now.