The Finternet

A new paper from the Bank for International Settlements proposes the creation of a unified ledger and the tokenisation of everything. If it is successful, this could represent the most fundamental re-imagining of the banking system since the Medicis.

Casino or Computer

Cryptocurrency regulation has, so far, focussed on been on the mitigating the risk to speculative investors. But there is a far more important innovation that is embeded into the architecture and design of modern crypto currency. This is what regulators should be looking to better understand.

Proof of Humanness

Worldcoin has been designed to address the concern that in a world saturated with artificial intelligence we are going to need a proof of humanness. As true as that might be, I believe we need to go much further. And also tackle truth in content.

The Unified Ledger

Central Bank Digital Currencies (CBDCs) and the tokenization of private money deposits could revolutionize the financial system. Agustin Carstens suggests a unified digital ledger for both public and private digital money, enabling efficiencies like smart contracts and instant settlements. This approach could extend to tokenizing various assets, transforming governance by embedding compliance within transactions.

Sufficient Decentralisation

We need to think about creating “sufficiently decentralized” social networks. While decentralization offers more control to users, it has drawbacks - such as non-unique usernames across the network. If we can use smart contracts to create a decentralized name registry we might be able to balance user control and functionality, and create a more user-empowered internet.