Podcasts about kyc

Matt and Nic are back with another week of news and deals. In this episode:  Kalshi has detected and banned two accounts for insider trading Is Polymarket going to have to add KYC? Is there a tradeoff between informational efficiency and market fairness The OCC de facto bans stablecoin yield in its rulemaking around GENIUS Meta is considering partnering with a stablecoin issuer Stripe is bullish in their annual report ZachXBT determines that Axiom employees have been abusing the platform Terraform labs accuses Jane Street of insider trading WSJ reports that Binance overlooked Iranian sanctions violations Justin Drake unveils a post-quantum roadmap for Ethereum Matt Corallo says Nic is wrong about Bitcoin and quantum Content mentioned: Larry Cermak: How Crypto Actually Works: The Missing Manual  

For episode 682 of the BlockHash Podcast, host Brandon Zemp is joined by Sydney Huang, Founder of HumanAPI at ETHDenver. Sydney Huang is the Founder of Human API and CEO of Eclipse, where she leads product and strategy for AI-native infrastructure. She launched Turbo Tap, scaling it to 300K users, 50K DAU, and 22B+ in-game transactions, and has held product roles across Web3 projects including DeGods, y00ts, and Unstoppable Domains. Previously, she worked in M&A and Venture Capital at Dell Technologies and is a Babson College graduate.

For episode 681 of the BlockHash Podcast, host Brandon Zemp is joined by Catherine Daly, CMO for Space and Time, a decentralized data warehouse designed to connect on-chain blockchain data with off-chain enterprise data to support AI, smart contracts, and Web3 applications.

For episode 680 of the BlockHash Podcast, host Brandon Zemp is joined by Jay Kurahashi-Sofue, CMO of Eco at ETHDenver.Eco is a blockchain-based, full-stack infrastructure protocol designed to unify stablecoin liquidity across different blockchains and make onchain payments, transfers, and app interactions as fast, cheap, and simple as possible. It is not a new stablecoin itself, but rather a "Stablecoin Economy" layer—often referred to as a "stablelayer"—that helps developers and users move, manage, and spend stablecoins (like USDC or USDT) across various chains without dealing with fragmented networks, manual bridging, or gas fees in native tokens. 

For episode 679 of the BlockHash Podcast, host Brandon Zemp is joined by Erald Ghoos, CEO of OKX Europe.OKX is an innovative cryptocurrency exchange with advanced financial services. They rely on blockchain technology to provide everything you need for wise trading and investment. 

Edoardo Ribichesu, CEO at Homepay, joins Harvey and Simon for a conversation around why he is building the next generation of financial infrastructure for real estate transactions in Europe (and potentially beyond).00:00 Introduction to HomePay and the Real Estate Sector02:47 Understanding HomePay's Financial Infrastructure06:05 The Process of Real Estate Transactions in Southern Europe11:50 Revenue Model and Future Services15:05 Expansion Plans and Market Opportunities21:06 KYC and AML Compliance in Real Estate Transactions25:29 Feedback from Private Beta Testing28:16 Strategic Market Expansion Plans30:25 Key Performance Indicators for Success40:57 Utilizing Investment for Growth

Ich spreche mit dem Schreiner Johannes Aumüller über die Verbindung von Handwerk und Bitcoin. Er erklärt, warum körperliche Arbeit das perfekte Verständnis für Proof of Work liefert und wie die Inflation sowie ausufernde Bürokratie seinen Familienbetrieb belasten. Wir diskutieren, warum das aktuelle Geldsystem die Qualität von Produkten zerstört und wie er Bitcoin als ehrliche Maßeinheit für seine Lebenszeit nutzt. Erfahre, wie Johannes mit 25 Jahren die Nachfolge antritt und warum er seine Möbel heute mit Bitcoin-Symbolik auflädt.Insta / WebsiteLEADING PARTNER

In this episode of the Crazy Wisdom Podcast, host Stewart Alsop sits down with Jake Hamilton, founder of Groundwire and Nockbox, to explore zero-knowledge proofs, Bitcoin identity systems, and the intersection of privacy-preserving cryptography with AI and blockchain technology. They discuss how ZK proofs could offer an alternative to invasive identity verification systems being rolled out by governments worldwide, the potential for continual learning AI models to shift the balance between centralized and open-source development, and why building secure, auditable computing infrastructure on platforms like Urbit matters more than ever as we face an explosion of AI agents and automated systems. Jake also explains Nockchain's approach to creating a global repository of cryptographically verified facts that can power trustless programmable systems, and how these technologies might converge to solve problems around supply chain security, personal data sovereignty, and resistance to censorship.Timestamps00:00 Introduction to Groundwire and Knockbox02:48 Understanding Zero-Knowledge Proofs06:04 Government Adoption of ZK Proofs08:55 The Future of Identity Verification11:52 AI and ZK Proofs: A New Era14:54 The Role of Urbit in Technology18:03 The Impact of COVID on Trust20:51 The Evolution of AI and Data Privacy23:47 The Future of AI Models26:54 The Need for Local AI Solutions29:51 Interoperability of Knockchain and BitcoinKey Insights1. Zero-Knowledge Proofs Enable Privacy-Preserving Verification: Jake explains that ZK proofs allow you to prove computational outcomes without revealing the underlying data. For example, you could prove you're over 18 without exposing your full identity or driver's license information. The proof demonstrates that a specific program ran through certain steps and reached a particular conclusion, and validating this proof is fast and compact. This technology has profound implications for age verification, identity systems, and protecting privacy while maintaining necessary compliance, potentially offering a middle path between surveillance states and complete anonymity.2. Government Adoption of Privacy Technology Remains Uncertain: There are three competing motivations driving government identity verification systems: genuine surveillance desires, bureaucratic efficiency seeking, and legitimate child protection concerns. Jake believes these groups can be separated, with some officials potentially supporting ZK-based solutions if positioned correctly. He notes the EU is exploring ZK identity verification, and UK officials have shown interest. The key is framing privacy-preserving technology as protection against "the swamp" rather than just abstract privacy benefits, which could resonate with certain political constituencies.3. The COVID Era Destroyed Institutional Trust at Unprecedented Scale: The conversation identifies COVID as potentially the largest institutional trust-burning event in human history, with numerous institutions simultaneously losing credibility with large portions of the population. This represents a dramatic shift from the boomer generation's default trust in authority figures and mainstream media. This collapse is compounded by the incoming AI revolution, creating a perfect storm where established bureaucracies cannot adapt quickly enough to manage rapidly evolving technology, leaving society in fundamentally unmanageable territory.4. Centralized AI Models Create Dangerous Dependencies: Both speakers acknowledge growing dependence on centralized AI services like Claude, with some users spending thousands monthly on tokens. This dependency creates vulnerability to price increases and service disruptions. Jake advocates for local AI deployment using models like DeepSeek R1, running on personal hardware to maintain control and privacy. The shift toward continuous learning models will fundamentally change the AI landscape, making personal data harvesting even more valuable and raising urgent questions about compensation and consent for training data contribution.5. High-Quality Training Data Is Becoming the Primary AI Bottleneck: Stewart argues that AI development is now limited more by high-quality training data than by compute power. The industry has exhausted easily accessible internet data and body-shop-style data labeling. Companies are now using specialized boutique services with techniques like head-mounted cameras for live-streaming world model training. This scarcity is subtly driving price increases across AI services and will fundamentally reshape the economics of AI development, with implications for who controls these increasingly powerful systems.6. Urbit Offers a Foundation for Trustworthy Computing: Jake positions Urbit as essential infrastructure for the AI age because its 30,000-line codebase (versus Unix's three million lines) can be understood by individual humans. Its deterministic, purely functional, and strictly typed design aims for eventual ossification—software that doesn't require constant security patches. This "tiny and diamond perfect" approach addresses the fundamental insecurity of systems requiring monthly vulnerability patches. In an era of AI agents and potential prompt injection attacks, having verifiable, comprehensible computing infrastructure becomes existentially important rather than merely desirable.7. Nockchain Creates a Global Repository of Provable Truth: Jake's vision for Nockchain combines ZK proofs with blockchain technology to create a globally available "truth repository" where verified facts can be programmatically accessed together. This enables smart contracts or programs gated on combinations of proven facts—such as temperature readings from secure devices, supply chain events, and payment confirmations. By using Nock's abstract, simple design optimized for ZK proof generation, the system can validate complex real-world conditions without exposing underlying data, creating infrastructure for coordinating action based on verifiable private information at global scale.

THORChain's Kenton and Denny have a conversation with Vik from Cake Wallet, one of the founding members of an AMAZING crypto wallet which were the OGs to add XMR support to a wallet that could be used within your phone. Cake Wallet has been growing extremely quickly and is setting the standard on great UX and exhibiting the ethos of no-KYC, permissionless and decentralization!

#Bitcoin #DTV #DontTrustVerifyO podcast focado em Bitcoin falado em língua portuguesa. Neste episódio temos um convidado muito especial, António Silva.Maxfy (Compre sats sem KYC)https://maxfy.app/Medusa Wallet (Obtenha a sua carteira lightning)https://medusa.bzLotoMaxi (Apostas no preço da Bitcoin)https://lotomaxi.maximacitadel.org/APOIA O NOSSO PODCASTdtv@medusa.bz (Lightning Address)bc1qwfq446hu4vs7lw79guqqq2kzxv0ls90a6jylpu (Bitcoin Layer1)LINKSWebsite: https://fyoumoneypod.com/Rumble: https://rumble.com/FYouMoneyPTFountain: https://fountain.fm/show/K8Y5JQruNp7cAjpUuDi3Spotify: https://open.spotify.com/show/7atJjju3NGCtONJTZez2zzApple Podcasts: https://podcasts.apple.com/us/podcast/f-you-money-em-portugues/id1606626713Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy83ZjM2MGM5OC9wb2RjYXN0L3JzcwTelegram group (English): https://t.me/FYouMoneyTelegram group (português): https://t.me/FYouMoneyPTTwitter: @_Hugo_Ramos_ | @FYouMoneyPodInstagram: ssurfer_tugaFacebook group: https://www.facebook.com/groups/bitcoinfyoumoneyLINKS DO CONVIDADOhttps://www.mot.gg/https://x.com/antonio_megas*O conteúdo deste canal não é informação financeira! Todos os nossos conteúdos são apenas para entretenimento.

L'EUDI Wallet, Portefeuille d'identité numérique européen Nous vivons de plus en plus dans un système qui nécessite de prouver son identité. Récemment de nouvelles lois prévoient de justifier son age pour les réseaux sociaux. Pour cela une identité numérique s’impose. A chaque contrôle on donne plus de données que nécessaire en réalité. Faut-il sacrifier son intimité pour une simple transaction. Aujourd’hui, prouver sa majorité pour accéder à un service ou ouvrir un compte bancaire exige de scanner l’intégralité d’un titre d’identité. C’est un paradoxe flagrant : pour une simple vérification d’âge, un tiers accède à votre adresse, votre lieu de naissance et votre nom complet. Ce partage excessif facilité l’usurpation d’identité et le traçage publicitaire systémique. L'EUDI Wallet (European Digital Identity Wallet) promet de briser ce cycle. Plus qu'une application, c'est le pivot d'un changement de paradigme où l’utilisateur ne subit plus la collecte de données, mais orchestre sa propre « économie de la preuve ». Quelques précisions sur le EUDI Wallet Le Portefeuille Européen d'Identité Numérique (EUDI Wallet) est un système sécurisé de gestion de l'identité instauré pour permettre aux citoyens, résidents et entreprises de l'Union européenne de s'identifier et de s'authentifier en ligne et hors ligne. Ce dispositif s’appuie sur un cadre réglementaire et technique précis pour transformer les interactions numériques au sein du marché unique. Le Cadre Juridique : eIDAS 2.0 La mise en place du EUDI Wallet repose sur le règlement eIDAS 2.0, adopté en avril 2024. Ce texte fait évoluer le cadre de 2014 pour imposer de nouvelles obligations : D'ici fin 2026 : Chaque État membre doit fournir au moins un portefeuille numérique à ses citoyens. C’est cette année que vous allez découvrir votre identité numérique généralisée. D'ici fin 2027 : Les entreprises soumises à la réglementation de lutte contre le blanchiment (AML), les grandes plateformes numériques et certains services publics devront obligatoirement accepter le portefeuille comme moyen d'identification. Objectif 2030 : L'Union européenne ambitionne que 80 % des citoyens utilisent cette solution d'ici 2030. Fonctionnement et Technologies Clés Le portefeuille fonctionne comme une application mobile sécurisée stockant des identifiants numériques vérifiés (permis de conduire, diplômes, certificats de santé). L’Architecture Reference Framework (ARF) : C’est le cadre technique qui définit les normes, protocoles et spécifications pour garantir l’interopérabilité entre les différents pays. Zéro Knowledge Proof (ZKP) : Pour protéger la vie privée, le portefeuille utilise des preuves à divulgation nulle de connaissance. Cela permet, par exemple, de prouver que l’on est majeur sans révéler sa date de naissance exacte. SD-JWT (Selective Disclosure JSON Web Tokens) : Cette technologie permet de ne dévoiler que les champs strictement nécessaires d’un document numérique. Usages et Avantages pour les Utilisateurs Le EUDI Wallet simplifie de nombreuses démarches quotidiennes : Services Financiers : Ouverture de comptes bancaires ou demandes de prêts facilitées par la transmission instantanée de documents certifiés (KYC en temps réel). Signatures Électroniques : Le portefeuille permettra de réaliser gratuitement des signatures électroniques qualifiées (QES), ayant la même valeur juridique qu’une signature manuscrite. Services Publics et Vie Quotidienne : Demande de passeport, déclaration fiscale, accès à la sécurité sociale, ou encore enregistrement d’une carte SIM. Mise en œuvre en France : France Identité La France est particulièrement avancée grâce à l’application France Identité, qui sert de socle à cette transition. Elle permet déjà d’accéder à des titres d’identité (CNI, permis de conduire numérique, carte grise) sur smartphone. L’Agence nationale des titres sécurisés (ANTS) coordonne le consortium POTENTIAL, un projet pilote européen majeur impliquant 19 États membres pour tester les usages du portefeuille. Pour les entreprises françaises, l’enjeu est immédiat. Grâce à l’avance prise par l’ANTS avec France Identité et le pilotage du consortium européen POTENTIAL, on dispose d’une longueur d’avance. Ce socle technique national permet d’anticiper le “go-to-regulatory” (conformité) sans sacrifier le “go-to-market” (expérience client). Autant faut-il accepter pour chaque citoyen de disposer des identités compatibles, permis de conduire et carte d’identité. Exemple pour un prêt bancaire. Procédure actuelle Prêt bancaire Procédure numérique Prêt bancaire Enjeux et Risques Identifiés Malgré les avantages en termes de lutte contre la fraude et de fluidité, plusieurs points de vigilance sont soulevés : Risque de traçage : Certains craignent que l’utilisation du portefeuille ne laisse des traces permettant à l’État ou aux émetteurs de suivre les connexions des citoyens. Actuellement en France on a le droit de vivre sans permis ni carte d’identité. Avec ses systèmes vous devez vous enregistrer sur un de ces documents. Cybersécurité (Article 45) : Le règlement oblige les navigateurs à accepter certains certificats de sécurité étatiques (QWAC), ce qui inquiète les experts quant à de possibles interceptions de trafic chiffré. Penser aussi aux textes de loi sur les back door gouvernementales pour contourner les cryptages. Dépendance matérielle : Le portefeuille repose sur les composants de sécurité des smartphones contrôlés par des firmes américaines (Apple et Google) et chinoises, posant un défi de souveraineté technologique. Pour les entreprises, l’intégration peut se faire soit en direct (gestion interne de la complexité technique et réglementaire), soit via des intermédiaires (plateformes comme Hopae ou Docusign) qui facilitent la connexion aux différents registres de confiance européens. ThématiquePromesse (Vision UE)Risque (Critique des Opposants)Vie PrivéeZéro Knowledge Proof : Vous prouvez votre âge sans donner votre date de naissance.Traçage d’usage : L’État ou le fournisseur du Wallet sait où et quand vous l’utilisez.SécuritéCoffre-fort numérique : Fin des mots de passe volés et de l’usurpation d’identité.Point de défaillance unique : Si votre smartphone est compromis ou le système piraté, toute votre vie est exposée.SouverainetéIndépendance : Une solution européenne pour ne plus dépendre de Facebook/Google Connect.Infrastructure US : Le Wallet repose sur les puces (Secure Enclave) d’Apple et Google.Liberté d’accèsVolontariat : Le citoyen reste libre d’utiliser le format papier ou plastique.Obligation déguisée : Si les banques et services publics l’imposent pour “aller plus vite”, le refus devient impossible.Web de confianceAuthentification forte : Moins de bots, de deepfakes et d’arnaques en ligne.Fin de l’anonymat : Risque de voir disparaître la possibilité de naviguer sous pseudonyme sur le Web. Transformer la contrainte en opportunité L’identité numérique n’est pas qu’une affaire de juristes ; c’est un levier de performance. La lourdeur des vérifications KYC (Know Your Customer) est le premier frein à la croissance. L’EUDI Wallet transforme ce parcours : De 7 étapes à une validation instantanée : Fini le scan de documents et la saisie manuelle. L’accès aux « credentials vérifiables » (diplômes, IBAN, attestations de fonds) fluidifie l’entrée en relation. Synergie avec l’Open Banking : Dans la lignée de la DSP3, le Wallet devient l’infrastructure de confiance permettant de sécuriser les consentements et les interactions financières en temps réel. Réduction drastique de la fraude : L’utilisation d’identités régaliennes de niveau d’assurance “élevé” élimine la fraude documentaire à la source. Souveraineté et points de friction Malgré l’optimisme technologique, des zones d’ombre persistent. Le débat s’est cristallisé autour de l’Article 45 du règlement. Les experts s’inquiètent de l’obligation faite aux navigateurs d’accepter des certificats de sécurité (QWAC) émis par les États. Le risque ? Des attaques de type Man-in-the-Middle, où un État pourrait théoriquement intercepter le trafic chiffré de ses citoyens. Plus piquant encore est le paradoxe matériel : le Wallet repose sur des “enclaves sécurisées” (puces NFC et biométrie) intégrées aux smartphones. Ces technologies NFC sont américaines sur des smartphone chinois, coréen ou américains. « L'Europe construit son identité ‘souveraine’ sur une infrastructure matérielle qu'elle ne maîtrise pas. » L’identité régalienne de demain dépendra donc, en dernier ressort, de la bonne volonté d’Apple et Google à ouvrir leurs composants sécurisés. Enfin, subsiste le risque d’un traçage par l’émetteur (l’État) qui, bien que ne voyant pas le contenu des données via ZKP, pourrait enregistrer la fréquence et le lieu des authentifications, dessinant ainsi une “ombre numérique” persistante. Conclusion : Vers une “économie de la preuve” L’EUDI Wallet marque l’avènement d’une société où la preuve certifiée — qu’il s’agisse d’un diplôme, d’une attestation électronique d’attributs ou d’un statut professionnel — devient un actif fluide et portable. Pour les entreprises, c’est l’opportunité de passer d’un web de documents statiques à un web de confiance dynamique. Cependant, le défi reste humain. Saurons-nous transformer cet outil en levier de souveraineté individuelle ou glisserons-nous vers une dépendance régalienne automatisée ? Sources : Commission européenne sur identité numérique Réglement eIDAS Par Régis BAUDOUINThe post L'EUDI Wallet, Portefeuille d'identité numérique européen first appeared on XY Magazine.

A solid financial foundation isn't built overnight — it's built through simple, consistent habits that protect your income, grow your savings, and prepare you for life's biggest moments. In this video, we break down the essential building blocks every Filipino needs: budgeting that actually works, emergency funds that give real security, smart debt management, and beginner-friendly investing that helps your money grow over time. Whether you're just starting your financial journey or rebuilding with clearer goals, this guide will help you create a stable base you can rely on for years.

Enquête sur les techniques de blanchiment d'argent, des petites combines aux réseaux sophistiqués. Du vol d'identité pour ouvrir des comptes, aux bank drops, retraits en cash, casinos et cryptomonnaies, jusqu'aux sociétés écrans, on déroule l'« iceberg » du blanchiment et les failles KYC exploitées. L'équipe confronte idées reçues et réalité à partir d'ouvrages d'experts, de dossiers d'instruction et de forums Telegram.En plateau Michaël de Marliave — animateur➤ Pour découvrir Mammouth IA : https://mammouth.ai/➤ Pour le Merch Micode et Underscore_ : https://traphic.fr/collections/micode⚠️ Précommandes avant le 15 Janvier ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

For episode 678 of the BlockHash Podcast, host Brandon Zemp is joined by Micky Watkins, Founder and CEO of World Mobile, a blockchain-enabled 5G network, has just crossed over 2 million users in its mission to connect everyone, everywhere, while returning control of data and connectivity to the people.Micky is a telecom entrepreneur challenging the monopoly of Big Wireless. He previously founded Yallo, one of the first internet-calling platforms, and over his career has raised millions from global backers including Deutsche Telekom and Carmel Ventures. Today, he leads World Mobile in building the world's first decentralized, community-owned mobile network, with a mission to connect everyone, everywhere, while returning control of data and value to the people. 

Ripple CEO Brad Garlinghouse predicts an 80% chance the CLARITY Act will clear Congress by the end of April, marking a potential turning point for U.S. crypto regulation. ~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!Guest: Miller Whitehouse-Levine - Founder & CEO of Solana Policy InstituteSolana Policy Institute website ➜ https://www.solanapolicyinstitute.org/00:00 Intro00:10 Sponsor: Tangem00:50 Bernie Moreno defends Stablecoin Yields03:10 CLARITY Act Odds skyrockets04:50 Will Trump publicly back stablecoin yields?05:50 Another bank vs crypto meeting07:00 Banks pretending to compromise?08:30 March 1st10:00 DeFi affected if banks win on banning yields?12:00 Synthetic tokens on solana forced to KYC?15:30 Will SEC target Pre-stocks?18:45 States attempt to ban prediction markets?20:15 What matters will pertain to Solana?22:30 Credit card routing24:40 LIGHTNING ROUND#Crypto #Solana #Ethereum~CLARITY Act Odds Skyrocket!

In dieser Folge spreche ich mit HP Rattinger alias Ratoshi21 über die düstere Zukunftsvision seines Buches Ratification. Wir analysieren das Szenario einer zentralisierten Bitcoin-Verteilung im Weltraum , die Gefahren eines Universal Basic Income als Überwachungsinstrument und die Frage, welche menschlichen Aufgaben in einer vollständig durch KI automatisierten Wirtschaft bestehen bleiben. Wer seine privaten Schlüssel nicht selbst kontrolliert, verliert in dieser Welt nicht nur sein Geld, sondern seine gesamte Identität.X - Insta - WebsiteLEADING PARTNER

For episode 677 of the BlockHash Podcast, host Brandon Zemp is joined by Parth Kapadia, Co-founder and CEO of OpenVPP.OVPP is Building The Internet of Energy by Providing Regulated Digital Asset Rails for Power & Utility Providers. OpenVPP is led by Co-Founder & CEO, Parth Kapadia. Parth brings a wealth of experience from the electric utility industry, including roles at Exelon Corp and AutoGrid (acquired by Uplight, a Schneider Electric company), where he served as Director of Technical Product Management.

Fraud hasn't disappeared - it got smarter. Organized rings now aim upstream at SaaS platforms and ISVs that embed payments, where a single gap in onboarding, transaction logic, or refund flows can be scaled into thousands of attacks overnight. We sit down with Brian Rust, SVP and Deputy Chief Information Security Officer at Worldpay, to map the real fraud journey (entry, action, exit) and the concrete moves product and security leaders can make right now to protect merchants and brand trust.We start with the why: platforms offer leverage. Brian explains how bots and AI generate convincing synthetic businesses that pass weak KYC, and what early signals still break the spell - impossible form completion times, IP and address mismatches, and brand-new domains claiming long histories. From there, we dive into the middle of the kill chain: card testing. You'll hear how velocity spikes, elevated decline rates, and geo anomalies betray large-scale testing and how adaptive limits for new merchants can contain losses and prevent network penalties. Then we confront refund abuse, where attackers exploit trust by refunding to different instruments or flooding high-value returns. The fix isn't blanket friction - it's precision: refund-to-original-card only, refund velocity caps, and targeted reviews that slow bad actors while keeping good customers moving.Brian lays out the layers that matter now: device fingerprinting, behavioral analytics, and transaction monitoring that can halt suspect money movement before funds leave your orbit. He also makes the case for a fraud-cyber fusion model, aligning teams and intelligence using frameworks like MITRE ATT&CK to anticipate tactics as cyber and financial motives blend. Finally, we close with three actions you can ship this quarter: audit onboarding with bot controls and threat modeling, enforce velocity controls that adapt as trust grows, and tap your processor's data and filters (AVS, CVV) to harden defaults.If you lead product, risk, or engineering for a payments-enabled platform, this conversation gives you a practical blueprint to raise attacker costs, protect your merchants, and guard your reputation. 

Banking as a service, community banks, and fintech partnerships are changing how small businesses access financial products. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, along with Stephen Bishop of amBaaSsador and Fintech Confidential, Confidential Informant, sits down with Lindsay Borgeson, President of Partner Banking at Core Bank, to unpack how a community bank in Omaha, Nebraska built a full BaaS platform from scratch without a top-five bank playbook to follow.The BaaS space has had its share of high-profile failures. Consent orders, compliance breakdowns, and program manager implosions have made headlines for all the wrong reasons. Core Bank took a different approach. They spent time reading every consent order before writing a single line of code. They went to their regulators, both the FDIC and the state, before building anything. They presented their strategic plan, invited regulators back multiple times outside of formal exams, and built a reputation for transparency before they ever onboarded a single fintech client."We are not the biggest name in BaaS," Lindsay admits. "Yet, we certainly aim to be a well-known, respected name, but for the right reasons."That mindset shaped everything about how CoreX, their BaaS brand, was built. They did not try to bolt new capabilities onto an existing tech stack with bubblegum and duct tape. When their initial technology partner did not work out, they stopped, went back to the board, and interviewed over ten vendors before selecting Core Bank as their Side core and Oscilar for transaction monitoring. They later added Cobalt Labs for AI-driven compliance workflows. Each decision was made with long-term strategic alignment in mind, not speed to market.The compliance model at CoreX offers two paths. Fintechs can choose managed compliance, where the bank handles transaction monitoring, KYB, and KYC. Or they can run customized compliance if they have the internal muscle to own those functions themselves. Either way, the expectation is the same: compliance is not a phase, it is a constant. Lindsay puts it simply: "Compliance first. I should probably consider removing it because it's compliance always."What makes CoreX different from other sponsor banks is the focus on who they want to serve. Their ideal customer profile centers on fintechs that support small businesses, particularly vertical SaaS platforms in industries Core Bank already understands. Construction, real estate, property management, unions, aviation, medical, and hospitality are all sectors where the bank already has deep expertise on the traditional side of the house. That knowledge transfers directly into how they evaluate fintech partnerships.The "dinner test" came up more than once. If you would not want to sit down for a meal with a potential partner, you should not get into a contract with them. When things go wrong, and they will, the quality of the relationship determines whether both sides can work through it or walk away bitter.For fintechs considering a community bank partnership, the advice is direct. Know what matters to you before you start talking to banks. Do not compromise on compliance or risk management just because someone promises speed or a lower price. And if a bank says they can have you live in three months and profitable in twelve, something is off. Building this correctly takes time.For community banks thinking about entering BaaS, the message is just as clear. Do not dabble. This is not a side-of-desk project. It requires dedicated people, a separate tech stack, a documented risk appetite, and full alignment from the board down. If your executive team is not excited about it, you will not have the patience to do it right."It's not for the faint of heart," Lindsay says. "But it is really a great avenue for community banks to thrive."Core Bank is now expanding into embedded...

In Episode 64, I talk to Iskra Martin, partner at Azura in Geneva, who has over two decades in Swiss private banking and investment management and won the 2026 WealthBriefing Switzerland award for Women in Wealth Management (individual contribution). Iskra explains what she does day-to-day: onboarding and servicing clients across multiple banks, building KYC and provenance-of-funds roadmaps, restructuring wealth journeys, and designing portfolios aligned to risk and return expectations with investment advisors.   She describes how independence increases efficiency and flexibility, enabling faster decisions and tailored solutions such as sourcing mortgages in the right jurisdiction when one bank cannot help. The discussion covers building multi-generational trust, navigating strict cross-border regulation, and how Swiss banking has changed with heavier onboarding and reduced privacy while remaining a stable, high-quality platform.   CONNECT WITH ISKRA: ⁠Azura Partners⁠   CONNECT WITH CAROLINE: Our club ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ gives you real-life stories and examples of how our club professionals can guide you on 'How to Keep Your Money' ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caroline's Club⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ caroline@carolines.club

We were minutes away from shutting down our Matrix server when the Discord news hit. Now we're not just keeping it, we're doubling down. Can open source seize this moment?Sponsored By:Jupiter Party Annual Membership: Put your support on automatic with our annual plan, and get one month of membership for free! Managed Nebula: Meet Managed Nebula from Defined Networking. A decentralized VPN built on the open-source Nebula platform that we love. Support LINUX UnpluggedLinks:

Justin Moon leads the open source ai initiative at the Human Rights Foundation.Justin on Nostr: https://primal.net/justinmoonHuman Rights Foundation: https://hrf.org/program/ai-for-individual-rights/Easy Open Claw Deployment: https://clawi.ai/EPISODE: 191BLOCK: 936962PRICE: 1473 sats per dollar(00:01:35) Justin Moon and early show memories(00:03:52) OpenClaw(00:04:16) Agents change how we use computers(00:07:07) OpenClaws light bulb moment(00:09:25) Agents as UX glue for Freedom Tech(00:10:00) HRF AI work, self-hosting breakthrough, and running your own stack(00:12:50) AI simplifies hard Bitcoin UX: coin control, backups, photos(00:14:22) OpenClaw + OpenAI: does it matter?(00:16:01) AI leverage for builders: open protocols win(00:19:22) Positive feedback loop: agents and open protocols(00:20:14) Costs vs privacy: local models, token spend, and KYC walls(00:23:15) Local hardware economics and historical parallels(00:27:20) Will capability gaps narrow? Mobile and on-device futures(00:29:56) Cutting-edge vs private setups; data lock-in and training moats(00:31:53) Competition, regulation risks, and hidden capabilities(00:34:05) Chinas open models: incentives, biases, and global adoption(00:38:56) American and European open models; Big Tech dynamics(00:40:56) Apple, hardware positioning, and agent UX form factors(00:42:48) Googles advantage: data, integration, and vertical stack(00:44:32) Acceleration ahead: productivity leaps and societal shifts(00:45:21) Jobs, layoffs, and disruptive labor realignment(00:47:55) From global commons to gated neighborhoods: bots and slop(00:50:21) Nostr as local internet: webs of trust and bot filters(00:51:57) Cancel culture contagion and shrinking public square(00:54:59) Demographic decentralization and small-town resilience(00:55:00) Lean platforms: X/Twitter staffing as canary(00:56:59) Universal high income: incentives and realism(00:58:48) Prepare your household: seize tools, avoid flat feet(01:01:01) Marmot DMs over Nostr: agents need open messaging(01:03:11) Building Pika: encrypted chat and voice over Marmot(01:07:00) Generative UI and real-time media over Nostr(01:10:07) APIs, bans, and why open protocols become the convenient path(01:14:02) Future gates: Bitcoin paywalls, webs of trust, or dystopian KYC(01:17:19) Getting started: try OpenClaw safely and learn by play(01:22:14) Agents, Cashu, and Lightning UX: bots as channel managers(01:25:10) Federations run by machines? Enclaves and AI guardians(01:27:50) Maple, Vora, and bringing self-sovereign AI to mainstream(01:29:00) Security kudos and caveats; Coinbase and cold storage(01:30:02) Justins education plan and upcoming streamsmore info on the show: https://citadeldispatch.comlearn more about me: https://odell.xyz

In dieser Folge tauche ich mit dem Science-Fiction-Autor Ratoshi in die dystopische Welt seines Buches „Ratification: The Second Bailout“ ein. Wir analysieren ein Szenario, in dem Millionen Bitcoins durch einen Hack an die Voyager-Sonden im tiefen Weltraum verloren gehen und so ein neues interstellares Wettrüsten auslösen. Das Gespräch beleuchtet die Rolle der Timechain als ultimatives, manipulationssicheres Geschichtsbuch und diskutiert, wie ein Rechtssystem funktioniert, wenn Private Keys die einzige Wahrheit diktieren.X - Insta - WebsiteLEADING PARTNER

In this episode of the Crazy Wisdom Podcast, host Stewart Alsop sits down with Lars van der Zande, founder and CEO/technical architect of Inkwell Finance, for what Lars describes as his first-ever podcast appearance. The conversation covers a wide range of blockchain infrastructure topics, including Lars's work with Sui and Solana blockchains, the innovative capabilities of Ika's programmatic wallets and blockchain of signatures, and how Inkwell Finance is building revenue-based financing solutions for on-chain entities—from AI agents to protocols. They explore the evolving landscape of crypto regulation, the merging of traditional finance with blockchain technology, the future of decentralized legal systems, and how the user experience barrier is being lowered through technologies that eliminate constant transaction signing. Lars also discusses Inkwell's embedded financing approach and their pre-seed fundraising round.Links mentioned:- Inkwell's website: inkwell.finance- Inkwell on Twitter: @__inkwell- Lars on Twitter: @LMVDZandeTimestamps00:00 Introduction to Inkwell Finance and Technical Architecture02:06 Understanding Sui and Solana: Blockchain Dynamics05:55 The Role of Ika in Inkwell Finance11:51 Leviathan: Revenue Generation and Financing in Crypto17:38 The Future of AI Agents and Programmatic Wallets23:23 Smart Contracts: Legal Implications and Future Directions25:06 The Future of Inqvil Finance25:42 Decentralization and Its Evolution27:32 The Merging of Traditional and Crypto Systems29:33 Global Financial Dynamics and Market Reactions31:48 The Collapse of Traditional Financial Systems32:46 Jurisdictional Shifts in the Crypto World33:59 Legal Systems and Blockchain Integration35:57 On-Chain Credit and Financial Opportunities39:29 The Role of AI in Finance41:30 Learning from Peer-to-Peer Lending History43:14 Disruption in Insurance and Risk Management44:54 On-Chain vs Off-Chain Data46:54 The Evolution of the Internet and Blockchain49:12 Future Subscription Models in BlockchainKey Insights1. Ika's Revolutionary Blockchain Signature Technology: Lars discovered Ika, a blockchain of signatures built on Sui that enables any blockchain transaction to be signed without revealing the underlying message. Using patented 2PC MPC technology, Ika splits key shares across validators and encrypts them in transit, performing complex cryptographic operations that allow smart contracts on Sui to generate signatures for transactions on any other blockchain. This eliminates the need to build separate smart contracts on each blockchain, fundamentally changing how cross-chain interactions work and opening possibilities for truly interoperable decentralized applications.2. Programmatic Wallets vs Traditional Wallets: Traditional wallets like MetaMask require manual user approval for every transaction through a front-end interface, but Ika's D-wallet introduces programmatic wallets with policy-based controls embedded in smart contracts. These wallets can execute transactions based on predetermined conditions checked against on-chain data like Oracle prices, without requiring individual user signatures. For example, a Bitcoin D-wallet can hold native Bitcoin without wrapping or bridging to a custodian, and smart contract policies determine when and how that Bitcoin can be transferred, creating unprecedented security and automation possibilities for decentralized finance.3. Inkwell's Revenue-Based Financing Model: Inkwell Finance is building Leviathan, a revenue-based financing platform for on-chain entities including protocols, AI agents, and individual traders with verifiable track records. Borrowers receive capital based on their on-chain performance metrics like sharp ratio and drawdown, with loan repayment automatically deducted from their revenue stream. The profit split structure allocates approximately 60% to borrowers, 30% to lenders, and 10% split between Inkwell and integrating platforms. This creates a sustainable lending model where flight risk is minimized through D-wallet policy controls that restrict how borrowed capital can be used.4. Wallet-as-a-Protocol and the Future of User Experience: The crypto industry is moving toward embedded wallet solutions that eliminate the friction of traditional wallet management, with Wallet-as-a-Protocol representing the next evolution beyond services like Privy and Dynamic. Unlike current embedded wallets that lock users into specific applications, Wallet-as-a-Protocol enables single sign-on across multiple applications while users maintain control of their keys. Combined with app-sponsored gas fees, this approach allows non-crypto-native users to interact with blockchain applications without knowing they're using crypto, removing the biggest barrier to mainstream adoption and creating web2-like user experiences on web3 infrastructure.5. AI Agents as Financial Entities: AI agents are emerging as revenue-generating entities with on-chain transaction histories that create verifiable track records for creditworthiness assessment. Inkwell Finance is specifically targeting this market, recognizing that AI agents will need wallets and capital to operate effectively. The programmatic nature of D-wallets pairs perfectly with AI agents, as policy controls can restrict agent behavior to specific smart contract interactions, preventing unauthorized fund transfers while allowing automated trading or revenue generation. This creates a new category of borrower that operates 24/7 with completely transparent performance metrics, fundamentally different from traditional loan recipients.6. Cross-Chain Liquidity Without Asset Transfer: Ika's technology enables users to take loans against revenue generated on one blockchain and deploy that capital on entirely different blockchains without moving their original liquidity positions. For instance, someone earning yield on Sui's Fusol protocol could borrow against that revenue stream and deploy capital on Solana opportunities, effectively creating multiple on-chain businesses that generate their own credit scores and revenue to service debt. This ability to read state across different blockchains from within smart contracts opens possibilities for multi-chain strategies that don't require withdrawing capital from productive positions, maximizing capital efficiency across the entire crypto ecosystem.7. The Convergence of Traditional Finance and Crypto Infrastructure: The regulatory landscape is rapidly evolving with initiatives like the Genius Act and Clarity Act creating frameworks where traditional financial systems merge with crypto infrastructure through mechanisms like stablecoins backed by US treasuries. Companies are increasingly establishing entities in the United States to access capital networks and Delaware's established legal framework while issuing tokens through jurisdictions like Switzerland. This hybrid approach, combined with emerging concepts like Gabriel Shapiro's "cybernetic agreements" that make smart contract parameters legally enforceable in traditional courts, suggests the future isn't pure decentralization but rather a sophisticated integration of on-chain and off-chain legal and financial systems.

Many of us make money mistakes in our twenties — we spend first and save later!

High-stakes negotiations between U.S. banking giants and crypto executives at the White House hit a wall yesterday, ending in an impasse over stablecoin yields. Meanwhile Uniswap's governance token jumped on Wednesday after the decentralized exchange's creator announced an integration with BUIDL, BlackRock's tokenized money market fund. This happening as Franklin Templeton gears up for another major push into DeFi.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!Guest: Sandy Kaul - EVP at Franklin Templeton & Head of Franklin Innovation Download Benji Mobile App➜ https://bit.ly/BENJIFranklin00:00 intro00:08 Bank Compromise Incoming?01:03 Tim Scott sides with Coinbase01:45 Banks Losing02:23 Franklin Templeton 03:13 $BENJI Money Market Funds04:38 Retail $BENJI Yields05:50 KYC for Yields?06:43 Ondo Launches Stock Vaults07:55 Binance x Franklin Partnership09:58 $BENJI on Uniswap coming?11:14 Waiting For CLARITY Act11:55 Real-Time Yields13:30 Wallet Partnerships Coming?14:18 Bitwise Loyalty Token14:48 $PENNY Loyalty Token for Franklin15:25 CLARITY will pass15:55 Banks banning vaults?16:05 KYC Hell16:24 Bank Deposit Tokens17:23 XRP Vault Race17:45 JP Morgan17:58 Retail Loyalty Points18:52 Celebrity Curated Vaults19:20 Post-CLARITY Products20:40 outro#Crypto #Ethereum #XRP~Banks Losing Fight Against Yields!?

Know your customer (KYC) was never designed to be fraud control, yet fraud programs across the industry treat it like one. In this episode of Fraud Forward, host Hailey Windham sits down with Steve Lenderman, Head of Fraud Prevention at iSolve, for a necessary conversation about what KYC actually does, what it can't do, and why that distinction matters more than ever.Steve and Hailey challenge the assumption that passing KYC means an identity is safe to trust. They explore why every fraud eventually passes KYC, how synthetic identities exploit static verification, and what AI has revealed about the limitations of one-time checks. From the gap between identity existence and identity ownership to the behavioral signals that matter after onboarding, this episode reframes KYC as a starting point, not a solution. The highlights:Why every fraud eventually passes KYCThe gap between identity existence and identity ownershipBehavioral signals that matter after onboardingWhy AI didn't break KYC, rather how it just exposed what was already brokenGuest lineup:Steve Lenderman: Head of Fraud Prevention at iSolveHailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine

For episode 676 of the BlockHash Podcast, host Brandon Zemp is joined by Lux Thiagarajah, CCO of OpenPayd. Lux Thiagarajah has over 17 years experience working for some of the largest and most innovative organizations in finance, including JP Morgan, HSBC, BCB and FalconX. He started his career as an FX trader at JP Morgan, before moving to the buy side to run a macro trading desk. More recently he has moved into senior roles in payments, becoming the CRO of BCB and now Chief Commercial Officer at OpenPayd. Lux joined OpenPayd with a track record for taking businesses to their next stage of development, and is responsible for driving revenue and growth from both new and existing clients, as well as and identifying strategic partnerships that can further OpenPayd's ambitions.

For episode 675 of the BlockHash Podcast, host Brandon Zemp is joined by John Hargrave, a bestselling author, entrepreneur, and one of the world's leading voices on crypto and the future of finance. Author of The Intelligent Crypto Investor (Wiley, 2026), he's known as the “Buffett of Bitcoin” for applying value-investing principles to digital assets. His insights have appeared in Forbes, Bloomberg, MSNBC, and the BBC, and his TED Talk on the future of money is a must-watch. John helps investors understand the historic shift to digital, programmable money—and how to profit from it intelligently.Buy the book:https://www.amazon.com/Intelligent-Crypto-Investor-John-Hargrave/dp/1394366426  

If Bitcoin is the ultimate opt-out, why can a single border guard still ruin your whole plan?Mike Peterson sits down with Alex Recouso to get into dual citizenship, second citizenship, and global mobility from a Bitcoin maxi point of view. Alex explains why 2020 was the moment the lesson clicked. Bitcoin gives you permissionless money, but your body still moves through checkpoints, visas, and policies that can change fast. That is where geopolitical risk stops being background noise and becomes a daily constraint.Alex breaks down Flag Theory in a way that fits how Bitcoiners think, treating your passport, tax residency, companies, and assets like separate flags. You place them in jurisdictions that protect your freedom, lower your dependency, and expand your options. It is the same mindset as self-custody, applied to citizenship and mobility.Then they go deep on citizenship by investment, including what countries ask for, how KYC and source of funds get tricky when your wealth is on-chain, and why some jurisdictions make Bitcoiners jump through extra hoops. If you have ever tried to explain to a bank that your “paystub” is a UTXO history, this part will feel familiar.They close by comparing the El Salvador passport (Freedom Passport) with other second citizenship paths like São Tomé and Príncipe and Saint Kitts and Nevis. The conversation covers cost, speed, scrutiny, embassy biometrics, and what you are buying when you pay more, time, access, or a country that shares your values.Subscribe, share, and comment, and if you have ever been hit with a surprise visa rule at the airport, drop it below so Mike can add it to his collection.-Bitcoin Beach TeamConnect and Learn more about Alex Recouso and Citizen XX:  https://x.com/recousoX: https://x.com/CitizenXYouTube: https://www.youtube.com/@recousoYouTube: https://www.youtube.com/@citizenxpodcastLinkedIn: https://www.linkedin.com/in/alexrecousoWebsite: https://recou.so/images/Website: https://citizenx.com/Support and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com Browse through this quick guide to learn more about the episode:00:00 Intro02:00 Why do Bitcoiners want a second passport for global mobility?08:30 How does citizenship by investment work if your wealth is in Bitcoin?13:05 Why is the US passport getting weaker? Why do Americans need a Brazil visa now?21:35 What is the best second citizenship for Bitcoiners, El Salvador, São Tomé, or Saint Kitts?24:51 How much does São Tomé citizenship by investment cost, and can you pay with Bitcoin?28:49 How fast is the El Salvador Freedom Passport?31:15 Why is El Salvador citizenship by investment simpler than Caribbean passport programs?40:47 Why do Bitcoiners avoid Portugal Golden Visas? What is the EU tax risk?46:18 Why do Bitcoiners choose Dubai? Is UAE residency a good Plan B base?Live From Bitcoin Beach

My interview with Jason Brett, Managing Director at Key Bridge Advisors and Policy Advisor at the Wall Street Blockchain Alliance. We unpack the political and regulatory gridlock unfolding around stablecoin yield, tokenized securities, and DeFi in Washington. - Why the Genius Act's pro-stablecoin stance is now being re-litigated - The growing divide between the crypto lobby and banking lobby - Why regulators are stuck applying old laws to new tech - The SEC's innovation exemption—and hedge fund pushback - DeFi's AML dilemma: Is there a third way beyond front-end KYC? - What real compromise could look like for stablecoin yields   Powered by Phoenix Group The full interview is also available on my YouTube channel: YouTube: https://bit.ly/3ZliLSE      

Bakit nga ba laging nauubos ang sweldo mo kahit kakasahod lang?

Patrick McKenzie (patio11) reads an essay about the business of check cashing, a misunderstood industry. He explains why cashing a check is actually a "new credit extension" where the bank bets on both the writer and the payee, and why profit-maximizing institutions often decline to bank individuals who represent even a "material risk" of a single bounced check. From the manual "rituals" of endorsement to the way fintechs like Ingo Money and Cash App use persistent identity to narrow the risk envelope, Patrick examines the technical and social reasons why some people pay to access their own wages, others don't, and whether we can do anything about that.–Full transcript available here: www.complexsystemspodcast.com/check-cashing/–Presenting Sponsor: Mercury Complex Systems is presented by Mercury—radically better banking for founders. Mercury offers the best wire experience anywhere: fast, reliable, and free for domestic U.S. wires, so you can stay focused on growing your business. Apply online in minutes at mercury.com.Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.–Links:Bits about Money: www.bitsaboutmoney.com/archive/the-business-of-check-cashing/ –Timestamps:(0:00) Introduction(2:15) Check cashing(2:57) An oversimplified explanation of check presentment(5:48) Depositing a check requires an extension of credit(10:47) How cashing a check works if you're not banked(12:16) A brief aside about endorsement(14:39) Many people hate check cashing and everything about it(17:06) The internal logic behind that pricing grid(19:59) Sponsor: Mercury(21:36) The internal logic behind that pricing grid (continued)(23:10) Persistent  identities as a KYC possibility(25:12) A brief discussion about class distinctions in America(30:45) Check cashing on phones(34:28) Outro

For episode 674 of the BlockHash Podcast, host Brandon Zemp is joined by Les Borsai, a Los Angeles-based serial technology entrepreneur, former music promoter and manager, and advisor in the cryptocurrency, blockchain and music-technology industries. He is the Co-founder of Wave Digital Assets.Sitting at the cross-section of entertainment and economics his entire career, Borsai recognized that crypto was the next big cultural and financial revolution early on, taking on an advisor role to Ripple Labs in 2013, and becoming one of the earliest investors in Ethereum, XRP, Tezos, and NFTs. In 2018, he became a Co-Founder at Wave Digital Assets, a digital asset management firm where he leads strategic initiatives across the crypto and digital asset ecosystem. Borsai previously managed artists such as Wynonna Judd and Jason Mraz. Borsai is an author at Spin Magazine, and has been featured in a variety of top-tier global publications including The Wall Street Journal, The New York Times, Bloomberg, Forbes, CNBC, TechCrunch, CNN, and The Hollywood Reporter. 

Privacy is back at the center of crypto's narrative. This episode examines the limits of on-chain privacy, the role of KYC and the app layer, and how crypto onboarding has changed — before closing with Andrew M. Bailey of the Bitcoin Policy Institute. Enjoy! As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. – Follow Blockworks Research: https://x.com/blockworksres Follow Andrew: https://x.com/resistancemoney Follow David: https://x.com/dcanellis — Timestamps: 00:00 Intro 01:20 The Limits of On-Chain Privacy 3:00 Reality of the App Layer 7:57 DAS Promo 8:44 From Self-Mining to KYC Funnels 11:14 The Future of Privacy in Crypto 14:49 Interview with Andrew M. Bailey — Disclaimer: Nothing said on The Breakdown is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed.

For episode 673 of the BlockHash Podcast, host Brandon Zemp is joined by Sukhdeep Bhogal, Co-Founder and CEO of Veera, an on-chain neobank built for everyday crypto users. He is a serial founder with three successful exits and a deep background in consumer and social technology, having scaled multiple startups to millions of users over the course of his career. Before Veera, Sukhdeep founded and led several consumer-facing platforms from inception through growth and exit, with a strong focus on product-led growth, community-driven adoption, and building intuitive experiences at scale. His work consistently bridges mainstream consumer design with emerging technologies. At Veera, Sukhdeep has led the company from zero to scale, shaping its product vision and expansion strategy while building a full-stack financial platform that removes friction for users entering crypto. Under his leadership, Veera has grown rapidly across markets, positioning itself at the intersection of consumer fintech and on-chain infrastructure.

For episode 672 of the BlockHash Podcast, host Brandon Zemp is joined by Michael Berman, Co-CEO of Tectonic Labs. Michael Berman is co-CEO of Tectonic Labs, where he drives operations and go-to-market strategy for the company's post-quantum cryptography solutions. With nearly two decades in enterprise software and SaaS, he specializes in building repeatable revenue engines, sharpening operational execution, and translating deep technical products into compelling commercial outcomes. Berman was an early team member at Eventbrite, where he scaled sales through the company's high-growth phase leading to its IPO. He later led strategic accounts at Salesforce, managing enterprise relationships and supporting expansion initiatives. He's also a serial entrepreneur with two successful exits, including the sale of a venture-backed company to a publicly traded acquirer. A graduate of the University of Colorado Boulder's Leeds School of Business, Berman is recognized for operational rigor, M&A execution, and scaling growth in regulated, security-critical markets.

Join Tommy Shaughnessy as he speaks with Logan, Managing Partner of Frictionless Capital, about the high-stakes race to build a global blockchain-based financial system. Logan shares his updated thesis on why monolithic, high-throughput architectures like Solana are winning the battle for real revenue and trading dominance over modular designs.They dive deep into the "Global Exchange" vision, the physics of time-to-inclusion, and how innovations like Proprietary AMMs (PropAMMs) are redefining market making. Logan also explores the broader implications of AI, from the compounding power of Grok to the societal impact of a robot-led workforce.

Mike Peterson sits down with Dusan Matuska to unpack Bitcoin adoption in India while UPI dominates daily payments. They discuss why Bitcoiners call UPI “governmental lightning,” what that suggests about transaction monitoring, and how self-custody becomes a defining decision for anyone who cares about privacy and control.Dusan Matuska explains how a circular economy forms through local Bitcoin trade, merchant acceptance, and community trust. He shares why non-KYC habits and small networks matter, and how these patterns can scale through educators who know how to communicate without losing people.Dusan then gets specific about sustainable mining, including why miners move, how electricity price increases can erase margins, and why Amity shifted from Paraguay to Ethiopia. This section stays focused on operations, contracts, and the kinds of constraints that reshape mining strategy overnight.The most disruptive threat is waste-to-energy Bitcoin mining in Uganda. They dig into plasma gasification, syngas quality, feedstock consistency, and the economics behind waste reduction when municipalities do not pay. The conversation also hits the grid problem and why mining can act as a buyer of last resort when excess power has no market.Dusan closes by connecting adoption to education through an educator academy built on soft skills training. They talk about analogies, objection handling, and teaching frameworks that make Bitcoin understandable in normal conversations. Subscribe, share, and comment with the point you disagreed with most, then tell us whether you would rather run miners on surplus power or drink bone broth for seven days.-Bitcoin Beach TeamConnect and Learn more about Dusan Matuska:X: https://x.com/dusan_matuskaYouTube: https://www.youtube.com/@dusanmatuska-bitcoinWebsite: https://www.dusanmatuska.com/AmityAge (His Company): https://www.amityage.com/Support and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com Browse through this quick guide to learn more about the episode:00:00 Intro06:40 What is India's UPI system? Why do Bitcoiners call it “governmental lightning”?12:55 Can Bitcoin mining work in India? What is stranded energy for Bitcoin mining?19:30 Why did Bitcoin miners leave Paraguay? Why did Bitcoin miners move to Ethiopia?26:10 Why did Ethiopia raise electricity prices for bitcoin miners? How do PPAs affect Bitcoin mining profits?33:05 Can waste-to-energy power Bitcoin mining in Uganda? Is waste-to-energy bitcoin mining sustainable?40:45 What is plasma gasification? Can syngas from waste power Bitcoin mining?47:20 Why can't Uganda sell waste-to-energy power to the grid? Why is Bitcoin mining the buyer of last resort?Live From Bitcoin Beach

Stewart Alsop interviews Tomas Yu, CEO and founder of Turn-On Financial Technologies, on this episode of the Crazy Wisdom Podcast. They explore how Yu's company is revolutionizing the closed-loop payment ecosystem by creating a universal float system that allows gift card credits to be used across multiple merchants rather than being locked to a single business like Starbucks. The conversation covers the complexities of fintech regulation, the differences between open and closed loop payment systems, and Yu's unique background that combines Korean martial arts discipline with Mexican polo culture. They also dive into Yu's passion for polo, discussing the intimate relationship between rider and horse, the sport's elitist tendencies in different regions, and his efforts to build polo communities from El Paso to New Mexico. Find Tomas on LinkedIn under Tommy (TJ) Alvarez.Timestamps00:00 Introduction to TurnOn Technologies02:45 Understanding Float and Its Implications05:45 Decentralized Gift Card System08:39 Navigating the FinTech Landscape11:19 The Role of Merchants and Consumers14:15 Challenges in the Gift Card Market17:26 The Future of Payment Systems23:12 Understanding Payment Systems: Stripe and POS26:47 Regulatory Landscape: KYC and AML in Payments27:55 The Impact of Economic Conditions on Financial Systems36:39 Transitioning from Industrial to Information Age Finance38:18 Curiosity and Resourcefulness in the Information Age45:09 Social Media and the Dynamics of Attention46:26 From Restaurant to Polo: A Journey of Mentorship49:50 The Thrill of Polo: Learning and Obsession54:53 Building a Team: Breaking Elitism in Polo01:00:29 The Unique Bond: Understanding the Horse-Rider Relationship01:05:21 Polo Horses: Choosing the Right Breed for the GameKey Insights1. Turn-On Technologies is revolutionizing payment systems through behavioral finance by creating a decentralized "float" system. Unlike traditional gift cards that lock customers into single merchants like Starbucks, Turn-On allows universal credit that works across their entire merchant ecosystem. This addresses the massive gift card market where companies like Starbucks hold billions in customer funds that can only be used at their locations.2. The financial industry operates on an exclusionary "closed loop" versus "open loop" system that creates significant friction and fees. Closed loop systems keep money within specific ecosystems without conversion to cash, while open loop systems allow cash withdrawal but trigger heavy regulation. Every transaction through traditional payment processors like Stripe can cost merchants 3-8% in fees, representing a massive burden on businesses.3. Point-of-sale systems function as the financial bloodstream and credit scoring mechanism for businesses. These systems track all card transactions and serve as the primary data source for merchant lending decisions. The gap between POS records and bank deposits reveals cash transactions that businesses may not be reporting, making POS data crucial for assessing business creditworthiness and loan risk.4. Traditional FinTech professionals often miss obvious opportunities due to ego and institutional thinking. Yu encountered resistance from established FinTech experts who initially dismissed his gift card-focused approach, despite the trillion-dollar market size. The financial industry's complexity is sometimes artificially maintained to exclude outsiders rather than serve genuine regulatory purposes.5. The information age is creating a fundamental divide between curious, resourceful individuals and those stuck in credentialist systems. With AI and LLMs amplifying human capability, people who ask the right questions and maintain curiosity will become exponentially more effective. Meanwhile, those relying on traditional credentials without underlying curiosity will fall further behind, creating unprecedented economic and social divergence.6. Polo serves as a powerful business metaphor and relationship-building tool that mirrors modern entrepreneurial challenges. Like mixed martial arts evolved from testing individual disciplines, business success now requires being competent across multiple areas rather than excelling in just one specialty. The sport also creates unique networking opportunities and teaches valuable lessons about partnership between human and animal.7. International financial systems reveal how governments use complexity and capital controls to maintain power over citizens. Yu's observations about Argentina's financial restrictions and the prevalence of cash economies in Latin America illustrate how regulatory complexity often serves political rather than protective purposes, creating opportunities for alternative financial systems that provide genuine value to users.

Sats Terminal is the first native Bitcoin super app, bringing together Bitcoin loans, yield, and trading in a single interface and developer SDK. Sats Terminal is backed by YZi Labs (formerly Binance Labs), Coinbase Ventures, and Draper Associates.The founders of Sats Terminal recently joined the Bitcoin.com News Podcast to talk about the technology.Stan Havryliuk (CEO and Co-Founder) and Rishabh Java (CTO and Co-Founder) of Sats Terminal shared their journey, starting with their backgrounds in crypto and fintech. Stan had previous experience with Bitcoin.com and running a large Eastern European exchange, while Java had built and sold a fintech company, finding crypto to be a more open building environment. The inspiration for Sats Terminal stemmed from a highly problematic user experience Stan encountered while trading BRC20s, which resulted in him overpaying significantly for a single token. This incident highlighted a clear need for good, user-friendly interfaces in the growing Bitcoin DeFi market to encourage wider adoption. The two founders met online while working on a previous project and formalized their partnership after meeting in person in Buenos Aires.The company secured notable financial backing from major investors. Java's connection to Coinbase Ventures was established after winning an AI agent hackathon at their San Francisco office, which led to a successful pitch. Stan described how they were quickly accepted into the YZi Labs (aka Binance Labs) accelerator program after applying shortly before the deadline on a friend's recommendation, benefiting from a good product growth trajectory at the time. They also received early backing from the Draper family of VCs, including Draper Associates, Draper Dragon, and Boost VC. Stan's key advice for aspiring startups seeking funding is to "just keep building" and iterating fast, emphasizing that consistency compounds into success, alongside networking and participating in hackathons.Java elaborated on the evolution of native Bitcoin assets, moving from Ordinals to BRC20s and then to the improved Runes standard. He reported that Sats Terminal has already captured approximately 70% of the market share for trading Runes, showcasing their success in the ecosystem. They also acknowledged that the Bitcoin ecosystem's complexity, due to the lack of a central authority, means the market will ultimately decide which token standard becomes the long-term winner.The core of Sats Terminal's vision is encapsulated in their motto: "never sell your Bitcoin," but instead to make it work through products like trading, earning, and borrowing. Stan highlighted their belief that Bitcoin is the "only pristine collateral for loans," and their products are laying the groundwork for Bitcoin's transition from "digital gold" to a "productive asset." Java detailed their Borrow product as a self-custody, trust-minimized cross-chain loan solution where users can collateralize their Bitcoin for a loan without KYC. Stan announced that the first version of the Earn product, designed to simplify DeFi complexity for end-users, is being finalized and expected to go live in the next few weeks.Stan Havryliuk, CEO and Co-Founder of Sats Terminal, early Bitcoin investor and Web3 veteran with over eight years of experience scaling crypto businesses worldwide. Ex-Bitcoin.com and zondacrypto.com (BitBay.com).Rishabh Java, CTO and Co-Founder of Sats Terminal, serial entrepreneur, inventor, and Bitcoin builder with a proven track record of creating great technologies. Winner of 50 international hackathons, awarded by Steve Wozniak at 15 for BCI tech and exited Web2 startup at 21.To learn more about the project visit the website, and follow the team on X.

For episode 671 of the BlockHash Podcast, host Brandon Zemp is joined by Dave Sedacca, Lead & Director of Polkadot Capital Group.Dave Sedacca is the Lead of Polkadot Capital Group and currently sits as Director of Finance at Parity Technologies, the core development team behind Polkadot. He leads Parity's financial strategy, spanning treasury management, planning, and institutional engagement. A long-time believer in emerging tech and crypto, Dave has been actively involved in the space since 2017. Prior to joining Parity, he worked across multiple sectors, driving financial and commercial strategy. 

For episode 670 of the BlockHash Podcast, host Brandon Zemp is joined by Phil Fogel, CEO and Co-founder of Cork.DeFi has a $100B+ problem: you can't trade the risk. Insurance exists, but it's expensive, illiquid, and doesn't cover the economic chaos that actually wipes people out: depeg events, protocol runs, cascading liquidations etc. Phil Fogel, CEO and co-founder of Cork, backed by a16z crypto, Road Capital and more, explains that the system fails when risk is opaque and largely untradeable. Without tools to manage downside dynamically, stress compounds and volatility turns into contagion. Cork is his response. It is not insurance, but market-based risk infrastructure. By making risk programmable and tradable through swap tokens, participants can address stress before it cascades. Phil's broader perspective is about market structure. DeFi will not scale safely or attract institutions until risk management functions like a market rather than a promise. 

For episode 669 of the BlockHash Podcast, host Brandon Zemp is joined by Matt Carr, Managing Partner of QCI Partners.

Crypto in 2026 is consolidating into a handful of high-stakes rivalries:  Ethereum vs. Solana for the center of gravity, Coinbase vs. Robinhood for the finance super-app, and Polymarket vs. Kalshi for prediction markets.  Arnav Pagidyala (Bankless Ventures) joins David and Ryan to map the investment implications, why incentives-driven L1s keep leaking liquidity, what makes Morpho's institutional playbook work, and whether Hyperliquid, wallets, and onchain rails start eating the exchange business.  We also dig into the comeback of ICOs, what it would take for tokens to become truly investable, and why proof-of-personhood and privacy-preserving KYC may become unavoidable infrastructure. ------

For episode 667 of the BlockHash Podcast, host Brandon Zemp is joined by Kanny Lee, Co-founder and CEO of SecondSwap, the first issuer-approved secondary market for locked tokens. A veteran of fintech and digital assets, he brings over 20 years of experience across regulated finance, payments, and crypto infrastructure. He's led MAS-regulated firms including dtcpay and OSL Group, and held senior roles at EY, TransUnion, and Deloitte, advising global institutions on risk, compliance, and cyber forensics.Kanny is also a partner at Libra Capital, giving him a dual vantage point as both operator and investor in Web3. With formal certifications in anti-money laundering (ACAMS) and digital forensics (GIAC), he's widely regarded as a credible voice on token market structure, real-world asset liquidity, and the next generation of compliant crypto infrastructure.Join the waitlist for he only decentralized on-chain marketplace for trading locked tokens: https://t.me/Secondswapappbot?start=693a9dc7a9c1d4113e029589 

Are you mining Bitcoin to secure the money of the future? Or are you just a "Fiat Hasher" using the network to stack more dying dollars? Kent Halliburton (@khalliburton) joins me to argue that most of the industry has the wrong incentives. We compare the early days of El Salvador surf tourism, when walking to the beach meant risking your life, to the current state of the network. Just as surfers ventured into dangerous territory for the perfect wave, true Bitcoiners are pushing boundaries to build an escape raft from the fiat system that will last for generations.We discuss the concept of Bitcoin miners acting as a pioneer species in the global energy market. Kent explains how sovereign mining operations venture into remote regions like Ethiopia and Paraguay to monetize stranded energy resources that no one else can reach. This process does far more than generate revenue for developing nations. It helps stabilize the local electrical grid and paves the way for vital infrastructure development in places the central banks and global planners have largely ignored.For many plebs, the biggest barrier to hashing has always been the logistics of the hardware. We break down how hosted mining models allow you to own a dedicated ASIC miner without forcing you to manage the intense heat and noise at home. This is about far more than convenience or ROI. It is about aligning incentives so that you can acquire non-KYC "Wild Sats" at the cost of production rather than paying the inflated spot price on a KYC exchange.We also touch on the human side of hyperbitcoinization in places like the Peruvian Amazon. Kent shares his experience living near the circular economy projects that are proving Bitcoin works as a medium of exchange today. We talk about the importance of using Bitcoin as a tool for sovereignty and how "Energy Cost Averaging" allows you to opt out of the fiat ponzi completely while supporting the communities that need sound money the most.Finally, we tackle the critical threat facing the network regarding security and censorship resistance. With so much hash rate concentrated in just a few massive mining pools, the danger of state capture is higher than many admit. Kent uses the "Milan Cathedral" analogy to challenge us to lower our time preference. We need to stop thinking about quarterly profits and start building for a future we might not live to see. If this conversation made you think, please subscribe and drop a comment below.-Bitcoin Beach TeamConnect and Learn more about Kent Halliburton:X: https://x.com/khalliburton Web: https://www.sazmining.com/kent-halliburton Web: https://iris.to/kent Support and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com Browse through this quick guide to learn more about the episode:00:00 Intro 05:15 How do Bitcoin circular economies work in Peru? 09:30 How to stop trading crypto and become Bitcoin-only? 12:45 How to mine Non-KYC Bitcoin without hardware? 16:20 Is Bitcoin mining profitable vs buying spot? 20:10 How to use Section 179 for mining tax deductions? 22:45 Why are miners moving to Ethiopia and Paraguay? 27:30 How does Bitcoin monetize stranded energy? 31:50 Why do you need Low Time Preference for wealth? 35:15 Is mining centralization a security threat?Live From Bitcoin Beach

From building internal AI labs to becoming CTO of Brex, James Reggio has helped lead one of the most disciplined AI transformations inside a real financial institution where compliance, auditability, and customer trust actually matter.We sat down with Reggio to unpack Brex's three-pillar AI strategy (corporate, operational, and product AI) [https://www.brex.com/journal/brex-ai-native-operations], how SOP-driven agents beat overengineered RL in ops, why Brex lets employees “build their own AI stack” instead of picking winners [https://www.conductorone.com/customers/brex/], and how a small, founder-heavy AI team is shipping production agents to 40,000+ companies. Reggio also goes deep on Brex's multi-agent “network” architecture, evals for multi-turn systems, agentic coding's second-order effects on codebase understanding, and why the future of finance software looks less like dashboards and more like executive assistants coordinating specialist agents behind the scenes.We discuss:* Brex's three-pillar AI strategy: corporate AI for 10x employee workflows, operational AI for cost and compliance leverage, and product AI that lets customers justify Brex as part of their AI strategy to the board* Why SOP-driven agents beat overengineered RL in finance ops, and how breaking work into auditable, repeatable steps unlocked faster automation in KYC, underwriting, fraud, and disputes* Building an internal AI platform early: LLM gateways, prompt/version management, evals, cost observability, and why platform work quietly became the force multiplier behind everything else* Multi-agent “networks” vs single-agent tools: why Brex's EA-style assistant coordinates specialist agents (policy, travel, reimbursements) through multi-turn conversations instead of one-shot tool calls* The audit agent pattern: separating detection, judgment, and follow-up into different agents to reduce false negatives without overwhelming finance teams* Centralized AI teams without resentment: how Brex avoided “AI envy” by tying work to business impact and letting anyone transfer in if they cared deeply enough* Letting employees build their own AI stack: ChatGPT vs Claude vs Gemini, Cursor vs Windsurf, and why Brex refuses to pick winners in fast-moving tool races* Measuring adoption without vanity metrics: why “% of code written by AI” is the wrong KPI and what second-order effects (slop, drift, code ownership) actually matter* Evals in the real world: regression tests from ops QA, LLM-as-judge for multi-turn agents, and why integration-style evals break faster than you expect* Teaching AI fluency at scale: the user → advocate → builder → native framework, ops-led training, spot bonuses, and avoiding fear-based adoption* Re-interviewing the entire engineering org: using agentic coding interviews internally to force hands-on skill upgrades without formal performance scoring* Headcount in the age of agents: why Brex grew the business without growing engineering, and why AI amplifies bad architecture as fast as good decisions* The future of finance software: why dashboards fade, assistants take over, and agent-to-agent collaboration becomes the real UI—James Reggio* X: https://x.com/jamesreggio* LinkedIn: https://www.linkedin.com/in/jamesreggio/Where to find Latent Space* X: https://x.com/latentspacepodFull Video EpisodeTimestamps00:00:00 Introduction00:01:24 From Mobile Engineer to CTO: The Founder's Path00:03:00 Quitters Welcome: Building a Founder-Friendly Culture00:05:13 The AI Team Structure: 10-Person Startup Within Brex00:11:55 Building the Brex Agent Platform: Multi-Agent Networks00:13:45 Tech Stack Decisions: TypeScript, Mastra, and MCP00:24:32 Operational AI: Automating Underwriting, KYC, and Fraud00:16:40 The Brex Assistant: Executive Assistant for Every Employee00:40:26 Evaluation Strategy: From Simple SOPs to Multi-Turn Evals00:37:11 Agentic Coding Adoption: Cursor, Windsurf, and the Engineering Interview00:58:51 AI Fluency Levels: From User to Native01:09:14 The Audit Agent Network: Finance Team Agents in Action01:03:33 The Future of Engineering Headcount and AI Leverage Get full access to Latent.Space at www.latent.space/subscribe

For most Americans, losing access to a bank account sounds like a customer-service hassle—not a political problem. But what if your ability to get paid, pay bills, run a business, donate to a cause, or even shop online or withdraw cash at an ATM can be shut off quietly, without a trial, without an explanation, and without a meaningful way to appeal? In this two-part episode, Ron Steslow is joined by economist Jorge Jraissati, President of the Economic Inclusion Group, to unpack the growing reality of debanking and the compliance machinery behind it. In this first episode, they trace how post-9/11 AML/CFT and KYC regimes turned banks into de facto enforcement arms of the state—creating mass reporting, privacy erosion, and incentives to cut off customers based on “risk,” stigma, or perception rather than proven wrongdoing. They also explore how this system becomes ripe for weaponization—by authoritarian regimes, domestic actors, or simply the structure of the rules—especially when finance becomes transnational, opaque, and increasingly disconnected from due process. Learn more about the Economic Inclusion Group: https://econinclusion.com/ Get in touch with Jorge: jorge@econinclusion.com Find our sponsor links and promo codes here: https://bit.ly/44uAGZ8 Get 15% off OneSkin with the code RON at  https://www.oneskin.co/ #oneskinpod Send your questions and ideas to podcast@politicology.com or leave a voicemail at ‪(703) 239-3068‬ Follow Ron and Jorge on X (formerly Twitter): https://twitter.com/RonSteslow https://x.com/JraissatiJorge Learn more about your ad choices. Visit megaphone.fm/adchoices

For episode 666 of the BlockHash Podcast, host Brandon Zemp is joined by Hazel Lee, Co-founder of BeatSwap.As blockchain technology expands beyond finance into the cultural content sector, the BeatSwap project is innovating the way intellectual property (IP) rights are distributed. In the traditional IP rights industry, copyright management is opaque and settlements are slow, creating inefficiencies that prevent creators, investors, and fans from fully reaping the benefits. To address these limitations, BeatSwap standardizes IP rights as real-world assets (RWA), offering a new value proposition where anyone can transparently own and trade them. BeatSwap bills itself as “the world’s first Web3 full-stack IP rights platform” and aims to implement the entire lifecycle of IP rights on the blockchain—from the creation stage and IP rights registration, to fan community participation, rights tokenization, and decentralized trading.