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David Howie is the Chief Executive Officer and founder of Tellus Title Company. With more than 15 years of real-estate brokerage and lending experience, Howie was at the helm of a mortgage firm during the 2008 Financial Crisis. This vantage point provided him a front row seat to the market meltdown and to events that helped launch the crypto movement. It also piqued his interest to learn more about the dynamics and underpinnings of capital markets. In 2012, Howie earned a Master of Science degree in Financial Analysis from the University of San Francisco, offering him a firm understanding of traditional finance and equity markets.

​In 2016 as the Chief Financial Officer of a real estate brokerage he cofounded a few years earlier, he searched for a method to automate workflows and distribute capital. He explored the concepts of blockchain, smart contracts, programmable money, distributed ledgers, and through that discovery process the idea of the Tellus Blockchain Protocol was conceived. With his in-depth knowledge of the real estate industry and blockchain technology, Howie designed a geo-coded blockchain protocol in 2016 which currently is patent pending. His ground-breaking technology will establish an open-source, peer-to-peer information network, with the potential to revolutionize the real-estate industry.