Traditional Ledgering and Blockchains

At Money 20/20 last week, a topic that came up over and over in discussions was blockchain performance compared to traditional databases used to ledger transactions. One must be excellent at double-entry bookkeeping and performant state machines to use a traditional database to ledger transactions. The overwhelming majority of banks and FinTechs use this approach… Continue reading Traditional Ledgering and Blockchains

Mono-rail to no rails

Sharing observations and findings after spending more time in the DeFi world has been a fun part of the journey. It helps communicate to people inside of traditional finance environments and those outside them.Talking about moving money in a traditional environment very quickly focuses on transfer types and funds flows. Transfer types are typically mono-rail-type… Continue reading Mono-rail to no rails

Payment regulations and the evolving value stack

It has been surprising how much discussion has been about creating new regulatory frameworks, particularly for fiat-backed stablecoins. Surprising because the current framework works well for fiat-backed stablecoins, something that is pretty boring if done correctly. The regulation is unclear when applying current regulation to other forms of stablecoins, like algo-stables. The current regulatory structure in the… Continue reading Payment regulations and the evolving value stack

Verticals to Ecosystems

Matt Harris did this fantastic talk about the verticalization of FinTech a few year ago. The TL/DR for me is that a lot of high-value technology will be built and scaled across several customer verticals. If you have some time, I suggest watching the video below. These horizontal technologies are compelling. I am biased… Continue reading Verticals to Ecosystems