How unlike cash will CBDCs be?
In this post I discuss several differences between physical cash, and what I imagine retail Central Bank Digital Currencies might end up looking like.
Category: identity
KYC in Stablecoins
Summary: Issuers of today’s fiat-backed stablecoins (such as PAX, USDC and TUSD) need to identify (or KYC) only those users who convert between bank account money and stablecoin, not all holders. Some people might...
Can Blockchains Reduce the Impact of Data Breaches?
Another day, another catastrophic data breach. This time it’s medical records in Singapore, where I live. At this stage we’re almost immune to this kind of headline: Cyberattack on Singapore health database steals details...
Blockchains and financial inclusion
This short post gives an overview on how blockchains could impact financial inclusion and “banking the unbanked”. There are two parts to this: Financial inclusion: who counts as unbanked? (it’s not just poor people)...
A gentle introduction to self-sovereign identity
In May 2017, the Indian Centre for Internet and Society think tank published a report detailing the ways in which India’s national identity database (Aadhaar) is leaking potentially compromising personal information. The information relates...
