Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.
TOPIC
Bitcoin, blockchain fundamentals, ERC-20 tokens, stablecoins, and the regulatory frame around digital-asset-backed payment rails.
Digital assets are no longer an innovation bet. They are a settlement, custody, and balance-sheet architecture question. The strategic task for banks is infrastructure design under structural uncertainty.
Stablecoins cannot pay yield under the GENIUS Act. On 8 May 2026, BlackRock filed two SEC registrations for products that solve this constraint by being regulated as money market funds rather than stablecoins — while behaving, in the wallet, like yield-bearing dollars. A close reading of BRSRV, BSTBL, and the OCC rulemaking they respond to.
A technical deep-dive into how the EXTC platform was built on Ethereum ERC-223 in 2018: token architecture, multi-sig disbursements, time-locked transfers, and collateral-backed instant loans.
In early 2018, the EXTC platform explored faster cross-border payments via Ethereum ERC-223 smart contracts — an early blueprint for what decentralised finance would later build.
ERC-20: The Ethereum Token ERC-20 is the most common type of token used on the Ethereum blockchain and is often referred to as a smart contract digital contract
A technical introduction to how blockchain works: cryptographic hash chains, Merkle trees, distributed consensus, and why Ethereum's programmable layer transformed a payments ledger into a platform for smart contracts and tokenised assets.
A story of the extraordinary journey of securing digital transactions through Private-key Cryptography and Peer-to-peer (P2P) networks.
Bitcoin: A Peer-to-Peer Electronic Cash System (P2P ECS) that has the potential to revolutionise the way people transact online.