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decentralized finance

civilization and politicsDAOsdecentralized financegenerational changeMetaverse / xR
·Oct. 10, 2022

The Roaring Twenties of Populism, Institutionalism, and Technology’s Meaning

It must have been hard for those early Internet dot com founders to watch their ideas burn up like kindling. What was yesterday a song of genius and risk-taking became a caricature of hubris and bubbles. Pets.com, lol, they said.

Of course all the Internet people were right, just not at the right time. Being in the moment, you really can’t tell when the right time is. You might only be able to tell when it’s over, and the music ain’t playing no more.


It’s the roaring twenties, people say about the start of this decade. Like, that’s a good thing? Of course the 1920s ended with the Great Depression, a restructuring of the social order, and a political path to the worst war in human history. But you know, some people had fun in the stock market! Even Keynes — for all his economist words — lost his shirt. Only political power and the gun mattered in the end. It was Kafka who was right.

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CryptoDAOsdecentralized financeInvestingMetaverse / xRpaytech
·Dec. 3, 2021

Origins of Metamask’s 20 million Web3 users, with co-founder Dan Finlay

In this conversation, we chat with Daniel Finlay – a former Apple software developer, co-founder and co-lead developer on MetaMask – a non-custodial Ethereum wallet, allowing users to store Ether and other ERC-20 tokens and make transactions. Further. With the growth of DeFi and NFTs over the past year, MetaMask has increased in prominence as an entry point for novice users. So much so that its user base is now over 20 million monthly active users.

More specifically, we touch on how Dan went from teaching kids to code to having an app rejected by the Apple App Store to MetaMask, the philosophy behind e-government, questioning the role and job of software engineers, how crypto wallets compare to neobanks, and so so much more!

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CryptoDAOsdecentralized financeMetaverse / xRNFTs and digital objects
·Sep. 24, 2021

What’s next in Web3? Tachyon Accelerator’s MD Gabriel Anderson on early stage in NFTs, DeFi, & Crypto

In this conversation, we chat with Gabriel Anderson – Managing Director at Tachyon, Head of Market Strategy & Business Intelligence at ConsenSys Labs. Former Head of VaynerMedia. Alumnus of Merrill Lynch.

More specifically, we touch on what Tachyon is, how it works, and who it’s for, the growth of crypto, and what needs to come next to allow the widespread adoption of crypto by mainstream society. Gabriel talks about the best projects he has seen so far that combine NFTs with other elements of DeFi and crypto, and what he’d like to see more of in the future.

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decentralized financedigital lendingdigital transformationphilosophy
·Aug. 19, 2019

Robocop vs. Terminator in Fintech; Comparing DeFi originations to Digital Lenders in the early years

I've got a gentle, data-backed story this week inspired by a great distinction made in this Techonomy article by the Chief Digital Officer at Schneider Electric. The thesis tracks three key lessons from attempting to bring large companies into the 21st century: (1) transform the core of your business instead of fumbling around at the edges, (2) digitize your processes and separately figure out a distinct digital model, and (3) catalyze a digital ecosystem from the new model. You can think about the distinction as either taking the existing business and slowly swapping out parts from human to machine (e.g., like RoboCop), or building the robot from scratch utilizing the latest platforms, markets, and artificial intelligence (e.g., like Terminator).

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decentralized financeFractals & reflexivitygenerational changemicroeconomicsphilosophy
·Feb. 17, 2020

Worldline’s $8B acquisition of Ingenico’s $3B revenue would barely pay for Robinhood or Revolut’s valuations

I look at how spending $8 billion can either buy you $3 billion of revenue from Ingenico, or the private valuation of Robinhood and/or Revolut. Would you rather have a massive cash-flow machine, or a venture bet on a Millennial investing meme? To articulate this question in more detail, we walk through the impact behavioral finance has had on economic rational actor theories, and why quantitative financial modeling often similarly fails to capture the underlying tectonic plates of industry. It may not be wrong to bet on Millennials. We talk about what identity economics (ala identity politics) means for market value and how to think about generational change.

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defi dip podcast
decentralized finance
·Oct. 16, 2023

The Fintech Coffee Break – The DeFi Dip

This week, Isabelle had Matt Homer back on the show to talk about the outlook for DeFi amidst this year's headwinds on the sector.
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central bank / CBDCCryptodecentralized financeneobankOpen Bankingregulation & compliancestablecoins
·Jan. 11, 2021

How the OCC is building Crypto America and saving banks from extinction

This week, we look at:

  • How banks and financial advisors have failed to deliver on $1 trillion in capital appreciation for their clients over the last 12 years

  • The role of bank regulators in the United States, and the tensions between state and federal agencies

  • How the OCC is laying the groundwork for national banks to custody crypto assets, bank stablecoin reserves, run blockchain nodes, and use crypto payment networks

And instead of financial advisors or other CFAs guiding the retail market in good decision making, a newsfeed of *what’s popular* has driven Apple, Google, Tesla and the other John Galt hallucinations to the stratosphere. Don’t get us wrong. We love the robot as much as the next Fintech commentator. But it is clear to us that “the masses” are not being “advised”. And that the capital appreciation that matters — cementing the next trillion dollar networks for global future generations in work yet to emerge — is misunderstood and misrepresented by most financial professionals to their clients.

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DAOsdecentralized financephilosophyventure capital
·Sep. 30, 2019

You don’t get to cheat just because you like to win — on WeWork, Politics, and Fintech

Feelings and emotions at industry events matter. The narrative at the more traditional conferences is that Fintech innovation is just incremental improvement, and that blockchain has struggled to bring production-level quality software and stand up new networks. This isn't strictly true -- see komgo, SIX, or any of the public chains themselves -- but the overall observation does stand. Much of Fintech has been channeled into corporate venture arms, and much of blockchain has been trapped in the proof-of-concept stage, disallowed from causing economic damage to existing business.

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central bank / CBDCdecentralized financeenterprise blockchaingovernanceregulation & compliance
·Mar. 9, 2020

Why Facebook’s Libra needs to change course, Ethereum’s Fintech promise, and a look at JP Morgan’s blockchain analysis

I anchor around the issues Libra is seeing in trying to develop a money, and what alternate strategies are available. We also analyze elements of a JP Morgan 2020 blockchain report, which highlights the differences between running a financial products (like a money) and a financial software (like a payments processor). In light of this necessary pivot for the regulated Facebook, we look again at Ethereum's decentralized finance ecosystem and the types of challengers it has created for Jack Henry, Finastra, Envestnet, TradeWeb, and other infrastructure providers.

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central bank / CBDCCryptodecentralized financeICO / IEOIPO / SPACstablecoins
·Aug. 21, 2020

Decentralized Finance 101 with Kerman Kohli

In this conversation, we go through the essentials of Decentralized Finance with Kerman Kohli, who is a serial entrepreneur and the writer of the DeFi Weekly newsletter. We discuss the mechanics of issuing stablecoins, decentralized lending, decentralized exchange, automated market makers, and the increasing complexity of synthetic assets that have grown the sector to nearly $7 billion in August of 2020.

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