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Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: DeFi and DAOs - the impact of DeFi and DAOs is gradually being felt across the world as they collectively challenge the world’s financial markets so making them more transparent, inclusive and secure - controlled by everyone and no one. Full Article Here Can Bitcoin’s price be based on stones? - rai stone has...

This week, on a very special "Blossom..." No, wait, this is Digital Bytes and we have James Ramsden who is the King's Counsel for the Developers Defendents in the Tulip Trading Lawsuit. The law, uncertainty and some painful choices potentially facing crypto developers and, indeed, others who write software code. The Court of Appeal indicated that if De-Fi is a “myth” it could more easily see how t...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Loyalty programs ‘go digital’ - loyalty programs date back to 1896 with the creation of Green Shield stamps, but the days of collecting and licking stamps into books to then be redeemed in dedicated stores has long gone. Loyalty programs are a huge industry and widely acknowledged as a core part of a firm’s m...

Internet of Things (IoT) are increasingly being used in many devices. The key benefit brought to IoT by blockchain technology is the removal of IoT’s greatest vulnerability: its centralisation. There is a growing demand for provenance and for devices to ‘talk to each other’ e.g., vehicles, IoT devices and blockchains offer some novel solutions to both these challenges.

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Artificial intelligence (AI) and blockchain - the use of AI in our daily lives is increasing, an example being ChatGPT which has caught the headlines recently. It is the first time many have been able to interact with AI in a very easy manner, allowing simple tasks to be performed such as writing/prompting me...

M&A trends in the digital assets space - digital assets have attracted significant interest in recent years and are moving ever more into the mainstream financial system. This, in turn, has stimulated M&A activity as strategic acquirers and financial sponsors alike seek to capitalise on the commercial opportunities digital assets present. This article explores some of the key themes and tr...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Are NFTs going to wither, or are they set to flourish? - there is no denying that non-fungible tokens (NFTs), which were once the forte of individuals seeking a fast way to riches, have taken a hit in recent times. Market conditions plummeted, scams and hacks became frequent and low-quality projects increased...

The New Model (Digital Asset) Economy with Inflation Resistant Money… Coming to a City Near You!- The precursors for our current high inflation, debt based, economy and highlights the upcoming deployment of new DeFi based platforms and infrastructure for the creation and use of ‘inflation resistant’ money. The new open and permissionless platforms have no custodial functions and have been designed...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: How blockchains are being used by asset managers - undoubtedly, the fund industry has seen massive growth in terms of the number of funds and total assets under management in the last decade. Despite this, fund houses still rely on long, complex chains of distribution which make building investor relationship...

The failure of FTX has served to highlight the fragility of risk controls and strong governance in the cryptocurrencies sector. Increasingly, institutional investors are likely to question the reliability, oversight, risk controls, cybersecurity precautions to mitigate hacks, etc, of service providers’ back-offices. The use of technology will increase as digital assets trade 24/7 and make many of...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Blockchains are being used more than you may realise - the implementation of blockchain technology as a resource has enabled several businesses to improve operational processes. Recent developments have shown that blockchains can be used for more than just payments and finance-related functions. Companies are...

‘Permacrisis’ - the Collins Dictionary word of the year 2022 ·      inflation is not going to retreat quickly ·      will some ICOs, 4 to 5 years later, finally deliver? ·      legal clarity for digital assets ·      the rise of CBDCs and stablecoins ·      private companies...

Dr Jane Thomason, a globe-trotting futurist, is passionate about how technology can help us have a more sustainable economy and here shares her thoughts on Web3, NFTs, Defi, Metaverse and a lot more of what is to come in 2023. Jane brings a unique perspective and observations since she interacts with a wide diverse community of people across the world in the commercial as well as the not-for-profi...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Blockchains are changing the way you buy your home - blockchain technology has already been successfully used for a number of years in Australia by a company called PEXA, which has recorded over 11 million property transactions. The same firm has recently set its sights on the UK to revolutionise the way in w...

A combination of a light regulatory touch, a lack of governance and risk controls would have appeared to have led to FTX’s downfall - as opposed to some systemic problem with cryptocurrencies per say. The combination of DeFi and regulation is an outstanding value proposition for institutions. Long term, the crypto industry has an opportunity to build a better system with D...

As the printing presses of central bankers have pumped ever-increasing amounts of fiat cash into the world economy, debt levels have ballooned. This has created scales of inflation not seen for thirty years. Blockchain technologies, artificial intelligence (AI), regulatory systems and uni-swap (or automated market maker algorithmic trading systems) now offer what was seen as a seemingly impossible...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Bitcoin reminds us to question where is, and how safe is,  my  money?  - many people do not realise that if you put your money with a bank, or store your cryptos on a central exchange (CEX), you become a creditor. Therefore, in the event of a bankruptcy or liquidation, you may not receive all y...

Central bank-issued digital currencies are solving a problem no one has and are giving governments a huge list of unchecked new powers. These are being ushered in without question under the guise of helping the poor and being more inclusionary, but they could be the exact opposite; they could be a mass control grid of limitless power. Here we will talk about some of the problems and some of the so...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Reach of Digital Bytes: who reads and listens to it? - with Digital Bytes’ editor, Jonny Fry, having recently won ‘Influencer of the Year’ at the London Crypto AM summit and awards event, a number of people have been asking how they can write an article in the publication or have a podcast made for their comp...

The institutionalisation of DeFi is progressing despite the depressed crypto markets. But is the implementation of DeFi concepts to CeFi systems with central governance the right approach? Regardless of the answer, applying DeFi-protocols to CeFi can certainly help to innovate it. The institutionalisation of DeFi is not only driven by major international financial institutions and asset managers b...

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: The potential role of blockchains in capital markets - to facilitate the massive cross-border movement of capital, capital markets have evolved into a worldwide linked web of banks and intermediaries. Regulation, technology-led market disruption and basic business economics are transforming the capital market...

Sheldon Dearr with Jonny Fry and James Tylee from Team Blockchain. Blockchains and other financial technologies live in misunderstood polarity. They need each other, they depend on similar money-transmitter laws, but they're culturally at odds. Will differences shrink or grow over time, and why?

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Will digital currencies wax and wane as ISO 20022 is adopted? - the introduction of ISO 20022 in March 2023 will be a huge upgrade for the way in which financial institutions will be able to exchange information about payments. ISO 20022 will allow much more structured data to be shared - upgrading SWIFT’s fo...

Decentralised autonomous organisations (DAOs) provide a novel way of governing by using smart contracts that automate voting in a trustless and transparent way. However, in many DAOs the voting power is overly concentrated to just a few members. We examine the reasons and consequences of concentration, together with the governance trade-offs that DAOs face. Full Article Here

Welcome to this week’s Digital Bytes. This week we have analysis on the following topics: Could the greenback from Uncle Sam be replaced by a ‘green-backed’ digital currency? - for over 100 years the US$ has been the world’s reserve currency. Whilst its demise has been heralded many times, as with all things at some time it will be replaced. But, by what? Will Brazil, Russia, India, China and Sout...