CryptoFin Conference

How to disintermediate the banks?

Here is our talk from the CryptoFin Conference from October 2019 in Tallinn about how to disintermediate the banks: Here is the short summary. We need: More tokenization Crypto credit-money Wealth management automation Here is the talk:

CryptoFin Conference

How to disintermediate the banks?

Here is our talk from the CryptoFin Conference from October 2019 in Tallinn about how to disintermediate the banks: Here is the short summary. We need: More tokenization Crypto credit-money...

Efficient Frontier

Modern Portfolio Management Approaches for Cryptoassets

Wealth management is a multi-billion-dollar business. As the market capitalization for cryptoassets grows, it will be interesting to apply the concepts of wealth management to cryptocurrency investments. This article looks...

How-much-is-crypto-interest

What drives the interest in the crypto economy and how much should it be?

In the previous article, we looked at what influences the fiat economy's interest. The focus of this article is the crypto economy. We have three parts here: 1. We look...

What drves the interest rate?

What drives the interest rate in the fiat economy and how much should it be?

In every monetary system, there is interest - the price to be paid for using someone else money. In this article, we focus on the “base interest” - i.e. how...

Risk Analysis

Risk analysis of custodial and non-custodial lending platforms

We look in this article on the risk management of the custodial crypto lending platforms and of non-custodial crypto lending platforms. The aim is not to say what is right...

Roadmap to Fixed Income Markets

Compound and Roadmap to Crypto Fixed Income Markets

Traditional fixed income markets have emerged in the last 350 years with: 19 trillion USD base money (central banking created money – M0) 36 trillion USD narrow money (M1) 73...

Capability to Borrow

What really matters for the borrower? Answer – Capability to borrow.

There are the custodian and non-custodian crypto lending platforms. The key difference between them is who controls the assets - the first ones control your crypto assets, by the second...

SmartCredit.io Approach

Why are the collateralization ratios so high in DeFi Protocols?

The current collateralization ratios are ca 300% + for the DeFi borrowing/lending protocols. These ratios benefit the lenders on these platforms because over-collateralization protects their loans. However, these ratios reduce...

Follow the money

Why are DAI and USDC lending rates in DeFi at 10%

DAI and USDC lending rates on DeFi systems are around 10%. Considering the current low yield on most of the investment classes and upcoming negative interest era, we can just...

Wealth Pyramide

Meet the Big Blue Elephant in the room

World today is by a big extent influenced by the wealth pyramid, so that to 1% of people own 46% wealth in the world. It is known, that the rich...

Combinations of Credit-Money bvs. Base-Money

Crypto credit money — Will this time be different?

In the previous article, we looked at the two dimensions of money — base money and credit money. We also looked at the different kind of monetary systems that existed in the...

Will there be credit-money in the crypto sphere?

During presentations about money, we usually hear that money has to be durable, portable, divisible and fungible. We fully agree with this distinction. However, there is a bigger picture. Money...

Bubble is gone - whats next?

Internet Bubble 2000 versus Crypto Bubble 2018 — What’s next?

Some readers may remember the NASDAQ Dot-com bubble of 2000, but most readers will remember the Crypto bubble of 2018. In this article, we ask if we can leverage our...

Lazy investment strategy for ICO’s

Tokenmarket.net lists more than 270 ICOs (many of them completed, some ongoing and many others upcoming). Some ICOs are supported by lots of PR and advertising, while others less so....

Where is the credit-money?

Conference presentation – Why do we need Crypto Credit-Money (2.0)?

We were presenting at the Blockercon Conference in Bristol (https://blockercon.com) in June 2019 about our favorite topic - Crypto Credit-Money - Why do we need it? Here are the Slideshare...

Programmable Elastic Crypto Credit Money

Conference Presentation – Why do we need Crypto Credit Money (1.0)?

I was presenting on 28th of November 2018 at the moontec.io conference in Tallinn, Estonia about the monetary systems and about why one will need credit money in the crypto...

A Bullish Case for Bitcoin Valuation (2.0)

In January 2014 we forecasted Bitcoin valuation of 10'000 USD in the Swiss CFA Charter Magazine. The value of Bitcoin reached a record high of $19,850 in December 2017. Given...

Bitcoin Price Development

Bullish Case for Bitcoin Valuation (1.0)

Bitcoin is digital currency which enables instant payments to anyone and anywhere in the world. There are many differences to other currencies: · Other currencies are issued by Central Banks...

Bitcoin and Digital Banking 2.0

Introduction Digital Banking is on everyone’s mind — it’s about automating end-to-end banking processes and offering a digital experience to end clients. The focus on Digital Banking is understandable —...

Traditional Banking vs. Crypto Finance

Combining the traditional banking business with crypto finance

The traditional banking business is based on fiat currencies. Conversely, a diverse range of cryptographically secured digital coins underlie the cryptoasset industry. In previous articles, we looked at how traditional...