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...

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...

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...

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...

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...

Book - Blockchain Technology

Book Presentation — Blockchain Technology

My friends, myself and my brother published book Blockchain Technology: Einführung für Business- und IT Manager Blockchain Technology - Einführung für Business- und IT Manager OK, it’s in German. However, it’s...

Lecture — FHNW Basel, Blockchain Use Cases in Finance

On 29th of March I was giving a lecture about Blockchain Use Cases in Finance at University of Applied Sciences in Basel. [caption id="attachment_381" align="aligncenter" width="556"] Basel[/caption] Blockchain started with...