Grid

The world has reached a bit of a weird place. For years, the only way was up. Suddenly, it all seems like it is down. In fact, it seems to have gone off the rails and, in the classic phraseology stop the world, I want to get off. When times are good, markets are going…

I listened to the new British Prime Minister, Liz Truss, speaking at her Conservative Party conference. She mentioned “growth” 29 times. I know what it is like to live somewhere that isn’t feeling the benefits of economic growth … Low growth isn’t just numbers on a spreadsheet. Low growth means lower wages, fewer opportunities and…

The BBC just shared a report about Cruise, a self-driving company that has launched a commercial taxi service in San Francisco. The driverless future is here today. It made me reflect on where we are at. Where we are at is at a juncture where most menial tasks will be run by software. Taxi rides,…

I picked up a great quote the other day: “Money isn’t about value … it’s about values”. It resonates with my own tagline for the last book (Digital for Good) which is: “Stand for something or you will fall”. The point of the latter is: What is the purpose of your life and work? The…

I’ve been talking a lot about DeFi, CeFi and HyFi, and someone said: what about ReFi? ReFi? What’s that? Well, ReFi is all about Regenerative Finance, a system to rebuild Earth. Therefore, having shined a light on Gail Bradbrook’s thinking (she’s co-founder of Extinction Rebellion) for the last months, I’m pleased to introduce you to…

The main blog discussions this week include … CeFi, DeFi? No, it’s HyFi with WiFi! Growing up hi-fi was High Fidelity, the best way to hear music. In 2022, HyFi is hybrid finance, the best way to use money. HyFi combines CeFi with DeFi. I don’t believe you can just have one. DeFi works for…

Part of my network, Jim Richards posted an update on LinkedIn the other day which was measured and interesting. Jim is former Executive Vice-President of Financial Crimes at Wells Fargo, and knows a thing or two about the way banks work. I asked if I could share his post here, and Jim said yes, so,…

I’m talking so much about decentralised finance (DeFi) these days. I guess because I’m grappling with whether DeFi can replace CeFi (centralised finance). This tension is real. Can a world without borders on a global network replace the world with borders in a centralised network? It’s hard to say, but it’s fascinating to watch. A…

I don’t write often about the Wild West cases of  Cryptoland – well, I do actually – but this latest one is a pearler so, here we go! I’m adding this to the ten (no, twenty, thirty, forty, hundred or more) cases of bad actors in the Cryptoland. In this case Alex and Krissy Mashinsky, a…

Growing up hi-fi was High Fidelity, the best way to hear music. In 2022, HyFi is hybrid finance, the best way to use money. HyFi combines CeFi with DeFi. I don’t believe you can just have one. DeFi works for small things; CeFi is required for big things; HyFi allows both to work seamlessly. What…