- 01How a cross-border payment hops through correspondent banks
- 02Nostro and vostro accounts, and the capital they leave sitting idle
- 03Why multi-hop routing adds cost, delay, and failure points
- 04Who pays that cost: trade, remittances, small operators
Now
Current focus.
What I'm writing, what I'm aiming for this year, and what I'm studying to get there.
Writing
I'm writing my first mini-series, one connected thesis on where global finance is heading. Each piece builds on the last. Facts are sourced, and where I'm connecting the dots myself, I say so.
Goal for 2026
Write out the full thesis behind my conviction in XRP before it plays out.
Learning catalog
A self-built course on payment rails, liquidity, and how digital settlement assets fit into real-world money movement.
- 01What a bridge asset does in a cross-border payment
- 02On-demand liquidity compared with prefunded accounts
- 03What it takes to go from prototype to production at scale
- 04What evidence would prove the model works in practice
- 01Owning the rails, not just the apps built on them
- 02What tokenizing a real-world asset actually means
- 03Real estate settlement as a practical use case
- 04Where tokenization meets existing law and custody
- 01Why AI agents need tiny, automatic, verifiable payments
- 02The limits of human checkout flows for machine-to-machine payments
- 03x402 and live agent payment data
- 04What separates a demo from a working agent economy
- 01What quantum risk means for today's cryptography
- 02Verified timelines, kept separate from speculation
- 03How settlement networks could prepare
- 01IMF and BIS as stewards of the current monetary system
- 02BRICS, CBDCs, and alternative settlement experiments
- 03US and China competition over payment standards
- 04Energy, security, and pressure on the energy and money link
- 05Why a neutral bridge matters in a multipolar world
- 01Funding stress and the reversal of carry trades
- 02Lessons from 2008 and COVID
- 03Tying utility and settlement into one thesis
- 04What to watch next