When Speed Approaches Infinity: Why Stablecoins Aren't Just "Faster Payments"
by Conrad Kraft on Nov 12, 2025 7:40:04 AM
I keep getting asked the same question at conferences, on panels, and podcasts: "What are the use cases of stablecoins?" And inevitably, someone in the audience will answer their own question before I can: "Oh, it's just faster and cheaper payments. But we already have Paypal, instant …
Passports and Payment Rails: How Platforms and Protocols Outrun State Control
by Conrad Kraft on Aug 27, 2025 11:52:28 AM
In the corridors of power across the globe, an uncomfortable reality is settling in: the traditional levers of state control are increasingly disconnected from the digital flows that shape our world. When YouTube's content moderation policies effectively determine what billions of peo …
Blueprint for a digital wallet
by Rosa Giovanna Barresi on Apr 7, 2022 10:30:00 AM
My analysis of the latest news from the European Central Bank about the digital euro. On July 4, 2020 I published my first article about a wallet for the digital euro. I still defend that vision and am happy to say that many of the concepts anticipated two years ago are now on the dra …
Novi is the new Facebook Pay
by Enrique Titos on Nov 19, 2021 11:32:07 AM
I started writing about the disruption that blockchain and crypto assets would bring when Facebook first announced the intention to launch Libra in 2019 with a consortium of 28 companies to develop its distribution ecosystem. A lot has happened since then and at no point has Facebook …