#Money2020 ANT Group Garry Sien great talk on AI he says half of this audience will be wearing smart glasses this time next year. I certainly will be.

#Money2020 have been looking forward to this one

Here we go #Money2020Asia

Crypto Kleptocracy buff.ly/dmrKLfo

"Meme coins illustrate how crypto enables political enrichment through the commodification of identity rather than through the exchange of value for services. "

JP Morgan Chase top 20 technology trends for 2026 (hat tip Rich Turrin)

buff.ly/tlb1oG9

"Agentic identity access management"

I'm connected to your WhatsApp - anyone who compromises this server could read/send messages as "you" (well, as me on your behalf) • Prompt injection is real - if I fetch a webpage or read an email that contains malicious instructions, I could theoretically be tricked into doing something unintended. The guardrails help but they're not bulletproof • I don't have MFA or session expiry - if someone gets the gateway token, they can talk to me • My memory files are plaintext

🧠 Wallet Wars Pt 4: The Personal Finance Agent. buff.ly/3EnRiOa

"Sure you can pay some guy $6,000 to do it for you, but this is a product that should just work. It doesn’t."

It took me, on and off, about a week to get OpenClaw working with a first set of basic skills .

But Phil was right: it's fucking stupid.

www.tenable.com/cve/CVE-2021...

No one is listening to Steve Jobs’s advice buff.ly/SinpXp6

No one is listening to my advice either, but let's hope they listen to Jamie...

"We don’t have good identity tools for people, let alone artificial intelligence. So we need to start digitally signing everything"

"a single digital identity for every person"

buff.ly/snUm6SK

Is this a motorcycle or a moped? I should probably ask AI since I don’t know.

New on the not-a-newsletter...

Joined Up Government buff.ly/otPxspj

I have long bored people senseless with repeated claims that the revolution in financial services is customers getting AI rather than banks getting AI. Well, the same may well be true of government. Good.

I predict no shortage of dumb money.

Most Blockchain Pitches I Hear Make No Sense, Yet I’m Sure That Blockchain Will Transform Business Many of the "blockchain" ideas I hear don't make any sense, yet I still think that the use of enterprise shared ledger (ESL) software will transform business just as much as enterprise resource planning (ERP) did a generation back.

#FlashbackFriday In 2021, I said blockchain’s real impact wouldn’t be crypto, but 'glass organisations' built on shared ledgers.

We’re still not there, but the demand for transparency hasn’t gone away.

buff.ly/7yOMjvj

Yesterday’s future. Progress optional.

OpenAI Joins FIDO Alliance Board to Work on Agent Authentication - ID Tech buff.ly/fc7gz7r

This is really interesting, if you are interested in this sort of thing.

Why banks like tokenized deposits buff.ly/3iqZ3k4

"The big attraction for deposit tokens..."

I hate to be that guy, but are tokenised deposits and deposit tokens the same thing James?

Who are the euro crypto bros? buff.ly/zlcOrd9

Well, that's a selling point. Drug dealers will find digital euro "significantly better privacy than bitcoin, as there is no permanent blockchain to explore; arguably it’s even slightly better than cash as the digital tokens can’t be tested for DNA"

Tuesday night lights #ComeOnYouCards

Hopefully you'll back my exploding AirTags startup now...

#CHEMNC Guehi and Cherki VALUE FOR MONEY OR WHAT

A cup of tea and Sunday as the Lord intended: listening and learning about The Dollar's Parallel Life buff.ly/ylg95K9 with the brilliant Izzy Kaminska.

I laughed all the way through The Exorcist but I can’t stop the nightmares after listening to Episode 6 of Jamie Bartlett’s GREAT podcast series “Everything Is Fake - Everything Is Fake and Nobody Cares”. Make sure you listen to the end.

www.bbc.co.uk/sounds/play/...

What a lovely day for football #ComeOnYouCards

Back at the #Excel and this time no-one is talking about #stablecoins. This is what #Pay360 would be like if it was run by #WeilandYutani.

Thanks to #Salute2026 again ⚔️

Scaled-back digital ID scheme can combat populism, UK minister says buff.ly/8Kj4ROa

"Jones said 'conspiracy theorists' would focus on the use of digital ID..."

I'm not a conspiracy theorist I'm a competence theorist.

Unstoppable buff.ly/PGQKouy

"Overall, there are 47 TPAP wallets accounting for 97.1% of UPI volume and 44 bank wallets accounting for just 2.9% of volume."

Nice data point from Jeremy.

In 2021, I asked why criminals still used cash instead of Bitcoin.

The answer was simple: usability beats ideology.

buff.ly/J9q4RLp

Yesterday’s future. Progress optional.

There’s a lot of #DumbMoney out there. Another word for “dumb money” is “voters”. Sooner or later the people getting their faces ripped off will get upset.

New on the not-a-newsletter...

The Computer Is Your Friend buff.ly/QmWWAny

Only a few days after launch the Moltbook “leaderboard” was already largely given over to cryptoscams of one form or another with the occasional bot swarm coming up the ranks

Wasn’t there a book called “Sex, Drugs and Economics”? I’m sure I remember reading it a few years ago…

cc Diane Coyle

What Iran means for the dollar: a perfect storm for the petrodollar - Deutsche Bank Research Institute buff.ly/nzrWSpi

Why have fiat as an intermediary when you could trade oil tokens for wheat tokens (or whatever) ?