the future of money
@thefutureofmoney.bsky.social
Decoding tech, AI, regulation and financial power. We follow the rules being written — and the ones being enforced - so you don't have to.
📩The Future of Money newsletter https://thefutureofmoney.substack.com/
📩The Future of Money newsletter https://thefutureofmoney.substack.com/
The moment crypto entered the banking system, it inherited the banking system’s constraints.
The slump today is the slump of an asset class that no longer has an identity premium.
💬 some notes on the crypto slump: (attached below👇)
substack.com/@thefutureof...
#theDailyCrypto
The slump today is the slump of an asset class that no longer has an identity premium.
💬 some notes on the crypto slump: (attached below👇)
substack.com/@thefutureof...
#theDailyCrypto
November 19, 2025 at 11:59 AM
The moment crypto entered the banking system, it inherited the banking system’s constraints.
The slump today is the slump of an asset class that no longer has an identity premium.
💬 some notes on the crypto slump: (attached below👇)
substack.com/@thefutureof...
#theDailyCrypto
The slump today is the slump of an asset class that no longer has an identity premium.
💬 some notes on the crypto slump: (attached below👇)
substack.com/@thefutureof...
#theDailyCrypto
Token Taxonomy and the Stablecoin Gap; Inside the SEC’s ‘Inside “Project Crypto”’
The SEC is preparing a token taxonomy that finally distinguishes digital assets under U.S. securities law.
🧨 Yet, the stablecoin gap leaves the settlement layer unresolved.🧭
read more:
substack.com/@thefutureof...
The SEC is preparing a token taxonomy that finally distinguishes digital assets under U.S. securities law.
🧨 Yet, the stablecoin gap leaves the settlement layer unresolved.🧭
read more:
substack.com/@thefutureof...
November 17, 2025 at 8:00 PM
Token Taxonomy and the Stablecoin Gap; Inside the SEC’s ‘Inside “Project Crypto”’
The SEC is preparing a token taxonomy that finally distinguishes digital assets under U.S. securities law.
🧨 Yet, the stablecoin gap leaves the settlement layer unresolved.🧭
read more:
substack.com/@thefutureof...
The SEC is preparing a token taxonomy that finally distinguishes digital assets under U.S. securities law.
🧨 Yet, the stablecoin gap leaves the settlement layer unresolved.🧭
read more:
substack.com/@thefutureof...
Japan opens banks to crypto, Revolut scales under MiCA, and JPMorgan turns tokens into collateral.
🧭 The Daily Crypto Signal: Regulation, liquidity, and credit are merging into one programmable system.
Read it here: ❇️ open.substack.com/pub/thefutur...
🧭 The Daily Crypto Signal: Regulation, liquidity, and credit are merging into one programmable system.
Read it here: ❇️ open.substack.com/pub/thefutur...
October 28, 2025 at 9:49 PM
Japan opens banks to crypto, Revolut scales under MiCA, and JPMorgan turns tokens into collateral.
🧭 The Daily Crypto Signal: Regulation, liquidity, and credit are merging into one programmable system.
Read it here: ❇️ open.substack.com/pub/thefutur...
🧭 The Daily Crypto Signal: Regulation, liquidity, and credit are merging into one programmable system.
Read it here: ❇️ open.substack.com/pub/thefutur...
“dead labour which, vampire-like, lives only by sucking living labour.”
Software doesn’t become labor. It capitalizes labor.
#AI #AGI #CognitionAsCapital #AlgorithmicCapitalism #StartUpFounders #thefutureofmoney #futureofwork #FutureCapitalism
Software doesn’t become labor. It capitalizes labor.
#AI #AGI #CognitionAsCapital #AlgorithmicCapitalism #StartUpFounders #thefutureofmoney #futureofwork #FutureCapitalism
October 18, 2025 at 3:05 PM
“dead labour which, vampire-like, lives only by sucking living labour.”
Software doesn’t become labor. It capitalizes labor.
#AI #AGI #CognitionAsCapital #AlgorithmicCapitalism #StartUpFounders #thefutureofmoney #futureofwork #FutureCapitalism
Software doesn’t become labor. It capitalizes labor.
#AI #AGI #CognitionAsCapital #AlgorithmicCapitalism #StartUpFounders #thefutureofmoney #futureofwork #FutureCapitalism
🇦🇷💸 Argentina Gets a Top-Up—🇺🇸 Terms and Conditions Apply
Washington’s generosity comes with a credit limit —and a voting deadline.
substack.com/@thefutureof...
Washington’s generosity comes with a credit limit —and a voting deadline.
substack.com/@thefutureof...
October 16, 2025 at 11:11 AM
🇦🇷💸 Argentina Gets a Top-Up—🇺🇸 Terms and Conditions Apply
Washington’s generosity comes with a credit limit —and a voting deadline.
substack.com/@thefutureof...
Washington’s generosity comes with a credit limit —and a voting deadline.
substack.com/@thefutureof...
From Bank to Network.
Bank of America ’s 4.2B logins and $143B in Zelle payments show how banks are turning balance sheets into digital rails — tokenizing the customer experience before regulators define the “digital dollar.”
👉the #signal: substack.com/@thefutureof...
#DigitalBanking
Bank of America ’s 4.2B logins and $143B in Zelle payments show how banks are turning balance sheets into digital rails — tokenizing the customer experience before regulators define the “digital dollar.”
👉the #signal: substack.com/@thefutureof...
#DigitalBanking
October 15, 2025 at 11:49 AM
From Bank to Network.
Bank of America ’s 4.2B logins and $143B in Zelle payments show how banks are turning balance sheets into digital rails — tokenizing the customer experience before regulators define the “digital dollar.”
👉the #signal: substack.com/@thefutureof...
#DigitalBanking
Bank of America ’s 4.2B logins and $143B in Zelle payments show how banks are turning balance sheets into digital rails — tokenizing the customer experience before regulators define the “digital dollar.”
👉the #signal: substack.com/@thefutureof...
#DigitalBanking
At the heart of every “crypto scam” headline is a phone call, not a blockchain
Arizona’s Bitcoin ATM law recognizes that the weakest point in any digital system is still the human on the other end of the line.
Regulation here is the shield for its users.
More in my note
substack.com/@thefutureof...
Arizona’s Bitcoin ATM law recognizes that the weakest point in any digital system is still the human on the other end of the line.
Regulation here is the shield for its users.
More in my note
substack.com/@thefutureof...
October 13, 2025 at 10:14 AM
At the heart of every “crypto scam” headline is a phone call, not a blockchain
Arizona’s Bitcoin ATM law recognizes that the weakest point in any digital system is still the human on the other end of the line.
Regulation here is the shield for its users.
More in my note
substack.com/@thefutureof...
Arizona’s Bitcoin ATM law recognizes that the weakest point in any digital system is still the human on the other end of the line.
Regulation here is the shield for its users.
More in my note
substack.com/@thefutureof...
more/less..?
◾️Stablecoins & digital money—regulation, adoption, geopolitics
◾️Bitcoin in macro context—not daily price chatter, but structural shifts
◾️ AI in finance & policy—compliance, risk, regulation
🚀 Startups & founder journeys—the infrastructure of money & trust
👉thefutureofmoney.substack.com
◾️Stablecoins & digital money—regulation, adoption, geopolitics
◾️Bitcoin in macro context—not daily price chatter, but structural shifts
◾️ AI in finance & policy—compliance, risk, regulation
🚀 Startups & founder journeys—the infrastructure of money & trust
👉thefutureofmoney.substack.com
October 5, 2025 at 7:53 AM
more/less..?
◾️Stablecoins & digital money—regulation, adoption, geopolitics
◾️Bitcoin in macro context—not daily price chatter, but structural shifts
◾️ AI in finance & policy—compliance, risk, regulation
🚀 Startups & founder journeys—the infrastructure of money & trust
👉thefutureofmoney.substack.com
◾️Stablecoins & digital money—regulation, adoption, geopolitics
◾️Bitcoin in macro context—not daily price chatter, but structural shifts
◾️ AI in finance & policy—compliance, risk, regulation
🚀 Startups & founder journeys—the infrastructure of money & trust
👉thefutureofmoney.substack.com
The SEC is #shutdown; markets are open — capitalism’s live experiment in self-regulation.
#thefutureofmoney
#thefutureofmoney
October 4, 2025 at 2:50 PM
The SEC is #shutdown; markets are open — capitalism’s live experiment in self-regulation.
#thefutureofmoney
#thefutureofmoney
ChatGPT still dominates with ~74% share, but the gap is closing.
Gemini has more than doubled in 6 months to 13.7%.
Perplexity now on par with Grok at 2%.
(source: Similarweb)
Gemini has more than doubled in 6 months to 13.7%.
Perplexity now on par with Grok at 2%.
(source: Similarweb)
October 3, 2025 at 3:31 PM
ChatGPT still dominates with ~74% share, but the gap is closing.
Gemini has more than doubled in 6 months to 13.7%.
Perplexity now on par with Grok at 2%.
(source: Similarweb)
Gemini has more than doubled in 6 months to 13.7%.
Perplexity now on par with Grok at 2%.
(source: Similarweb)
BTC > $114K, ETH > $4.2K — not on DeFi hype, but Washington gridlock.
Macro politics now move crypto like CPI prints.
👉 Daily signals: markets, policy, and plumbing that matter. substack.com/@thefutureof...
📨 Subscribe here: thefutureofmoney.substack.com
#crypto #bitcoin #ethereum #futureofmoney
Macro politics now move crypto like CPI prints.
👉 Daily signals: markets, policy, and plumbing that matter. substack.com/@thefutureof...
📨 Subscribe here: thefutureofmoney.substack.com
#crypto #bitcoin #ethereum #futureofmoney
September 30, 2025 at 8:43 PM
BTC > $114K, ETH > $4.2K — not on DeFi hype, but Washington gridlock.
Macro politics now move crypto like CPI prints.
👉 Daily signals: markets, policy, and plumbing that matter. substack.com/@thefutureof...
📨 Subscribe here: thefutureofmoney.substack.com
#crypto #bitcoin #ethereum #futureofmoney
Macro politics now move crypto like CPI prints.
👉 Daily signals: markets, policy, and plumbing that matter. substack.com/@thefutureof...
📨 Subscribe here: thefutureofmoney.substack.com
#crypto #bitcoin #ethereum #futureofmoney
Reversible Coins. Fragile Markets. Tightening Rules
👉Here’s what really matters in #crypto today — not just price moves, but the structural shifts behind them.
Three headlines, real #signals, plus the market plumbing in one daily read
👉Read today’s Big Stories in Crypto: substack.com/@thefutureof...
👉Here’s what really matters in #crypto today — not just price moves, but the structural shifts behind them.
Three headlines, real #signals, plus the market plumbing in one daily read
👉Read today’s Big Stories in Crypto: substack.com/@thefutureof...
September 25, 2025 at 8:25 PM
Reversible Coins. Fragile Markets. Tightening Rules
👉Here’s what really matters in #crypto today — not just price moves, but the structural shifts behind them.
Three headlines, real #signals, plus the market plumbing in one daily read
👉Read today’s Big Stories in Crypto: substack.com/@thefutureof...
👉Here’s what really matters in #crypto today — not just price moves, but the structural shifts behind them.
Three headlines, real #signals, plus the market plumbing in one daily read
👉Read today’s Big Stories in Crypto: substack.com/@thefutureof...
ETF Doors Open, Traders Get Wrecked, Regulators Move In
👉Read what really matters in #crypto today —not just price moves, but the structural shifts behind them.
👉Three headlines, real signals, plus the market plumbing in one daily read.
substack.com/@thefutureof...
#thefutureofmoney #regulation
👉Read what really matters in #crypto today —not just price moves, but the structural shifts behind them.
👉Three headlines, real signals, plus the market plumbing in one daily read.
substack.com/@thefutureof...
#thefutureofmoney #regulation
September 24, 2025 at 8:31 PM
ETF Doors Open, Traders Get Wrecked, Regulators Move In
👉Read what really matters in #crypto today —not just price moves, but the structural shifts behind them.
👉Three headlines, real signals, plus the market plumbing in one daily read.
substack.com/@thefutureof...
#thefutureofmoney #regulation
👉Read what really matters in #crypto today —not just price moves, but the structural shifts behind them.
👉Three headlines, real signals, plus the market plumbing in one daily read.
substack.com/@thefutureof...
#thefutureofmoney #regulation
“All options on the table” means Argentina’s crisis is now America’s problem —every peso shortfall is ultimately a demand for dollars.
Dollar diplomacy or dollar drain?
👉 subscribe for more #signals: substack.com/@thefutureof...
#thefutureofmoney
Dollar diplomacy or dollar drain?
👉 subscribe for more #signals: substack.com/@thefutureof...
#thefutureofmoney
September 22, 2025 at 3:10 PM
“All options on the table” means Argentina’s crisis is now America’s problem —every peso shortfall is ultimately a demand for dollars.
Dollar diplomacy or dollar drain?
👉 subscribe for more #signals: substack.com/@thefutureof...
#thefutureofmoney
Dollar diplomacy or dollar drain?
👉 subscribe for more #signals: substack.com/@thefutureof...
#thefutureofmoney
AI hasn’t destroyed jobs — it’s destroyed hiring.
Workers use ChatGPT to apply. Employers use AI to filter. Nobody ends up talking to a human.
That’s Diamond’s paradox → jobs exist, matches don’t.
👉 New in The #FutureofMoney:
thefutureofmoney.substack.com/p/ai-hasnt-des…#AIA#FutureOfWorkrk
Workers use ChatGPT to apply. Employers use AI to filter. Nobody ends up talking to a human.
That’s Diamond’s paradox → jobs exist, matches don’t.
👉 New in The #FutureofMoney:
thefutureofmoney.substack.com/p/ai-hasnt-des…#AIA#FutureOfWorkrk
September 11, 2025 at 5:00 PM
AI hasn’t destroyed jobs — it’s destroyed hiring.
Workers use ChatGPT to apply. Employers use AI to filter. Nobody ends up talking to a human.
That’s Diamond’s paradox → jobs exist, matches don’t.
👉 New in The #FutureofMoney:
thefutureofmoney.substack.com/p/ai-hasnt-des…#AIA#FutureOfWorkrk
Workers use ChatGPT to apply. Employers use AI to filter. Nobody ends up talking to a human.
That’s Diamond’s paradox → jobs exist, matches don’t.
👉 New in The #FutureofMoney:
thefutureofmoney.substack.com/p/ai-hasnt-des…#AIA#FutureOfWorkrk
70% of GenAI budgets go to sales & marketing
But the fastest ROI is hiding in the back office
Catch up on our analysis on the #MIT State of #AI in #Business 2025 report.
Here’s what the data shows:
thefutureofmoney.substack.com/p/state-of-a...
📰 thefutureofmoney.substack.com
#GenAI #FutureOfMoney
But the fastest ROI is hiding in the back office
Catch up on our analysis on the #MIT State of #AI in #Business 2025 report.
Here’s what the data shows:
thefutureofmoney.substack.com/p/state-of-a...
📰 thefutureofmoney.substack.com
#GenAI #FutureOfMoney
September 8, 2025 at 11:35 AM
70% of GenAI budgets go to sales & marketing
But the fastest ROI is hiding in the back office
Catch up on our analysis on the #MIT State of #AI in #Business 2025 report.
Here’s what the data shows:
thefutureofmoney.substack.com/p/state-of-a...
📰 thefutureofmoney.substack.com
#GenAI #FutureOfMoney
But the fastest ROI is hiding in the back office
Catch up on our analysis on the #MIT State of #AI in #Business 2025 report.
Here’s what the data shows:
thefutureofmoney.substack.com/p/state-of-a...
📰 thefutureofmoney.substack.com
#GenAI #FutureOfMoney
ECB: plurality of money
BIS: unified ledger
IMF: multi-currency world
BoE: the multi-moneyverse
Different words, same challenge: preserving #trust as money fragments.
👉 Read our latest drop here: thefutureofmoney.substack.com/p/one-pound-...
#thisweek #thefutureofmoney #digitalmoney #crypto #policy
BIS: unified ledger
IMF: multi-currency world
BoE: the multi-moneyverse
Different words, same challenge: preserving #trust as money fragments.
👉 Read our latest drop here: thefutureofmoney.substack.com/p/one-pound-...
#thisweek #thefutureofmoney #digitalmoney #crypto #policy
September 5, 2025 at 7:39 PM
ECB: plurality of money
BIS: unified ledger
IMF: multi-currency world
BoE: the multi-moneyverse
Different words, same challenge: preserving #trust as money fragments.
👉 Read our latest drop here: thefutureofmoney.substack.com/p/one-pound-...
#thisweek #thefutureofmoney #digitalmoney #crypto #policy
BIS: unified ledger
IMF: multi-currency world
BoE: the multi-moneyverse
Different words, same challenge: preserving #trust as money fragments.
👉 Read our latest drop here: thefutureofmoney.substack.com/p/one-pound-...
#thisweek #thefutureofmoney #digitalmoney #crypto #policy
🚨 New Drop!
The UK’s regulator is rethinking risk. Not by loosening rules—but by speeding them up
what the FCA’s new strategy means for #AI, #tokenisation, #crypto, and the future of trust in financial markets
read our analysis:
👉 thefutureofmoney.substack.com/p/the-fca-do...
#regulation #fintech
The UK’s regulator is rethinking risk. Not by loosening rules—but by speeding them up
what the FCA’s new strategy means for #AI, #tokenisation, #crypto, and the future of trust in financial markets
read our analysis:
👉 thefutureofmoney.substack.com/p/the-fca-do...
#regulation #fintech
June 28, 2025 at 8:48 PM
🚨 New Drop!
The UK’s regulator is rethinking risk. Not by loosening rules—but by speeding them up
what the FCA’s new strategy means for #AI, #tokenisation, #crypto, and the future of trust in financial markets
read our analysis:
👉 thefutureofmoney.substack.com/p/the-fca-do...
#regulation #fintech
The UK’s regulator is rethinking risk. Not by loosening rules—but by speeding them up
what the FCA’s new strategy means for #AI, #tokenisation, #crypto, and the future of trust in financial markets
read our analysis:
👉 thefutureofmoney.substack.com/p/the-fca-do...
#regulation #fintech
June 5, 2025 at 4:41 AM
1/
🇺🇸 DeFi meets DC.
The #SEC is hosting a roundtable on June 9 titled:
“#DeFi and the American Spirit”
It’s not just a clever title. It’s a test:
Can decentralized finance survive American regulation—or shape it?
#CryptoPolicy #DigitalAssets #NFTs
🧵
🇺🇸 DeFi meets DC.
The #SEC is hosting a roundtable on June 9 titled:
“#DeFi and the American Spirit”
It’s not just a clever title. It’s a test:
Can decentralized finance survive American regulation—or shape it?
#CryptoPolicy #DigitalAssets #NFTs
🧵
May 29, 2025 at 5:27 PM
1/
🇺🇸 DeFi meets DC.
The #SEC is hosting a roundtable on June 9 titled:
“#DeFi and the American Spirit”
It’s not just a clever title. It’s a test:
Can decentralized finance survive American regulation—or shape it?
#CryptoPolicy #DigitalAssets #NFTs
🧵
🇺🇸 DeFi meets DC.
The #SEC is hosting a roundtable on June 9 titled:
“#DeFi and the American Spirit”
It’s not just a clever title. It’s a test:
Can decentralized finance survive American regulation—or shape it?
#CryptoPolicy #DigitalAssets #NFTs
🧵
5/
We break it all down — law, economics, and the future of output responsibility.
📖 Full post here: thefutureofmoney.substack.com/p/when-chatb...
Tag someone building in generative AI, media, or digital law.
#AI #Copyright #TheFutureOfMoney
We break it all down — law, economics, and the future of output responsibility.
📖 Full post here: thefutureofmoney.substack.com/p/when-chatb...
Tag someone building in generative AI, media, or digital law.
#AI #Copyright #TheFutureOfMoney
May 27, 2025 at 2:01 PM
5/
We break it all down — law, economics, and the future of output responsibility.
📖 Full post here: thefutureofmoney.substack.com/p/when-chatb...
Tag someone building in generative AI, media, or digital law.
#AI #Copyright #TheFutureOfMoney
We break it all down — law, economics, and the future of output responsibility.
📖 Full post here: thefutureofmoney.substack.com/p/when-chatb...
Tag someone building in generative AI, media, or digital law.
#AI #Copyright #TheFutureOfMoney
New drop:
AI in Finance: Regulate Smart, Not Scared
🇪🇺 EU layers on AI rules.
🇺🇸 US bans states from making any.
Two visions of governance.
One big risk: regulating the future out of existence.
🟣 Read on The Future of Money:
thefutureofmoney.substack.com/p/ai-in-fina...
#AI #Policy #FutureOfMoney
AI in Finance: Regulate Smart, Not Scared
🇪🇺 EU layers on AI rules.
🇺🇸 US bans states from making any.
Two visions of governance.
One big risk: regulating the future out of existence.
🟣 Read on The Future of Money:
thefutureofmoney.substack.com/p/ai-in-fina...
#AI #Policy #FutureOfMoney
May 23, 2025 at 8:39 PM
New drop:
AI in Finance: Regulate Smart, Not Scared
🇪🇺 EU layers on AI rules.
🇺🇸 US bans states from making any.
Two visions of governance.
One big risk: regulating the future out of existence.
🟣 Read on The Future of Money:
thefutureofmoney.substack.com/p/ai-in-fina...
#AI #Policy #FutureOfMoney
AI in Finance: Regulate Smart, Not Scared
🇪🇺 EU layers on AI rules.
🇺🇸 US bans states from making any.
Two visions of governance.
One big risk: regulating the future out of existence.
🟣 Read on The Future of Money:
thefutureofmoney.substack.com/p/ai-in-fina...
#AI #Policy #FutureOfMoney
1/
📘 Just released: the AI Literacy Framework from the @ec.europa.eu & @oecd-ocde.bsky.social
Not another digital skills checklist — a real shift in how we teach bias, ethics, and decision-making in an AI-powered world.
AI is now. Time to catch up.
#AILitFramework #AI #Education #EUAIAct
a 🧵
📘 Just released: the AI Literacy Framework from the @ec.europa.eu & @oecd-ocde.bsky.social
Not another digital skills checklist — a real shift in how we teach bias, ethics, and decision-making in an AI-powered world.
AI is now. Time to catch up.
#AILitFramework #AI #Education #EUAIAct
a 🧵
May 23, 2025 at 10:39 AM
1/
📘 Just released: the AI Literacy Framework from the @ec.europa.eu & @oecd-ocde.bsky.social
Not another digital skills checklist — a real shift in how we teach bias, ethics, and decision-making in an AI-powered world.
AI is now. Time to catch up.
#AILitFramework #AI #Education #EUAIAct
a 🧵
📘 Just released: the AI Literacy Framework from the @ec.europa.eu & @oecd-ocde.bsky.social
Not another digital skills checklist — a real shift in how we teach bias, ethics, and decision-making in an AI-powered world.
AI is now. Time to catch up.
#AILitFramework #AI #Education #EUAIAct
a 🧵