Thoughts on the future of finance
Have you ever read a non-technical article about public and private keys, but found it all just a bit too vague and unsatisfying? If so, this piece is for you Nic Carter published a good piece the other week on how Bitcoin’s security works, in the context of quantum computing. It’s not easy to explain [ ]
I have a confession to make. I think I invented the term ‘Central Bank Digital Currency’. It was in a blog post I published back in 2015. I should stress that I didn’t invent the concept. That was probably J P Koning. Or maybe Robert Sams. But the name? I believe that was me. I [ ]
I originally believed blockchains and AI should be kept separate. However, while exploring 'purpose bound money' for a Central Bank Digital Currency project, I found that I needed both. This fusion could enable deterministic decision-making provided LLMs add support for two key cryptographic techniques, to resolve the inconsistency challenge posed by AI. Ultimately, AI and blockchains can coexist…
A colleague asked me an interesting question today: how can I become a better writer? I m not exactly an expert but I have opinions, and opinions are what matter these days, so I sent him an email full of RGB insights . Here is a lightly edited version of what I sent him. I present ten [ ]
We’ve been building business-to-business applications wrong all this time! Imagine a firm needs a new way for employees to book vacation. Or maybe customers want to be able to track their orders online. It’s your job to build the application. What design would you go with? Chances are you’ll build it in mucch the same [ ]
Crypto is rebranding itself as 'web3' and the mainstream tech community don't like it one bit. But they're missing the point: for good or ill, crypto's mission to redefine finance is where the constructive feedback and critical thought should be focused, not a strawman about building a decentralised Facebook
In this post, I shared what I had learned about how the AstraZeneca viral vector vaccine worked and how endlessly fascinating I found it. But I was struggling to understand why it takes so long for the immune system to learn about the new threat that the vaccine is trying to teach it about why [ ]
My AZ vaccine dose contained FIFTY BILLION virus particles. Wow! I was fortunate to receive my first COVID vaccine dose yesterday; I received the Astra Zeneca product and all seemed to go well. As seems to be common, it made me feel feverish overnight and I slept badly. This was reassuring in a way as [ ]
This blog post is a lightly edited reproduction of a series of tweets I wrote recently This tweetstorm is a mini history of enterprise middleware. It argues that the problems we solved for firms 10-20 years ago are ones we can now solve for markets today. This blog post elaborates on a worked example [ ]
I just wired you the funds; did you get them? No I can t see them. Which account did you send them to? Which reference did you use? Can you ask your bank to chase? How can we be almost a fifth of the way through the twenty first century and this is still a daily [ ]