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I was sitting this morning and thinking about how fantastic Agentic AI, autonomous commerce and programmable money is. It is the focus of my next Pulp Finction book Birth of a Unicorn being released in December. The thing is that there is a wonderful problem with artificial intelligence in banking: almost everyone agrees it is…

There was a time when Donald Trump was not particularly keen on cryptocurrencies. In 2019, he declared that he was “not a fan” of Bitcoin and other cryptocurrencies, arguing that they were highly volatile, based on thin air and potentially useful for unlawful activity. How things change. Today, President Trump is arguably the most important…

This week’s main blog discussions include … The TrustWeb: Revisiting the Origins of Moneykind Ten years ago, I wrote a series of blogs called The Origins of Moneykind. They accompanied the launch of Digital Human and explored a simple question: where does money come from? Looking back a decade later, I’m surprised how little I…

Ten years ago, I wrote a series of blogs called The Origins of Moneykind. They accompanied the launch of Digital Human and explored a simple question: where does money come from? Looking back a decade later, I’m surprised how little I would change. What I would change is the ending, because we’ve finally begun to…

Over a cup of tea this morning, looking out into the garden, something struck me. Animals scale through evolution. Humans scale through institutions. Money is the operating system of institutions. It wasn’t a thought I’d expected to have over breakfast. Well, I was watching the birds in my garden. A robin was hopping around looking…

Ten years ago on twitter, I kept getting messages from a guy called Preston Byrne about marmots. Marmots are basically the biggest squirrel in the world. Americans also call them woodchucks, although a woodchuck is a specific type of marmot, meaning all woodchucks are marmots, but not all marmots are woodchucks. They are most populous…

Crypto has turbo-charged the Ponzi scheme There is something wonderfully predictable about a Ponzi scheme. It invariably begins with an extraordinary opportunity, usually involving a market, technology or investment strategy that is sufficiently complicated to discourage too many questions. It offers returns that make conventional investing look painfully dull, attracts a charismatic promoter who explains…

Something quite important is happening in cryptocurrency, and it is easy to miss if you spend too much time watching the price of bitcoin. For most of crypto’s relatively short history, the discussion has been dominated by price. Bitcoin goes up. Bitcoin crashes. Ethereum rallies. Ethereum collapses. Somebody launches another token. Somebody loses a fortune….

This week’s main blog discussions include … Crypto wanted to get rid of banks. Now they are banks. When Bitcoin launched in 2008, the whole idea was to get rid of banks and intermediaries. In 2026, they’ve learned the lesson I learnt years ago. That’s how the world works. You need intermediaries. The whole idea…

When Bitcoin launched in 2008, the whole idea was to get rid of banks and intermediaries. In 2026, they’ve learned the lesson I learnt years ago. That’s how the world works. You need intermediaries. The whole idea of bitcoin is that money can move from person to person, ownership could be established cryptographically and the…