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Strategic insights on blockchain, AI, security, leadership, and career in an age of disruption.

Crypto Settlement: Why Banks Win, Intermediaries Lose
June 11, 2026·5 min read
Blockchain
Opinion

Crypto Settlement: Why Banks Win, Intermediaries Lose

Blockchain disruption targets clearing and settlement, not banks themselves. Firms controlling regulatory trust and technical reliability will dominate the next five years.

Recent Essays

#disruption

39 posts

Financial Products Are Dissolving Into Everything
October 10, 2025Opinion

Financial Products Are Dissolving Into Everything

NYSE and CME are blurring lines between prediction markets, sports betting, and derivatives. Financial services leaders must rethink their business model as entertainment becomes an asset class.

Decentralized Autonomous Vehicles (DAVs) and Blockchain: Revolutionizing Transportation
December 29, 2024Opinion

Decentralized Autonomous Vehicles (DAVs) and Blockchain: Revolutionizing Transportation

Hello, blockchain enthusiasts! Today, we're diving into the world of Decentralized Autonomous Vehicles (DAVs) and their potential when combined with blockchain technology. As we continue our 100-po...

Leadership in the Age of Disruption: A Navigation Framework
December 18, 2024Opinion

Leadership in the Age of Disruption: A Navigation Framework

Essential leadership strategies for executives navigating blockchain, AI, and technological disruption while maintaining organizational stability.

13. Sia: The Decentralized Cloud Storage Platform
December 13, 2024

13. Sia: The Decentralized Cloud Storage Platform

Hello, tech-savvy leaders! Today, we're diving into the world of decentralized cloud storage with a focus on Sia, a platform that's set to disrupt the traditional cloud storage industry. With my 20...

December 04, 2024Opinion

The Unexpected Narratives Driving Crypto Market Cycles

Exploring the transformative narratives that emerge in crypto market cycles, from ICOs to NFTs, and speculating on the potential breakthrough trend of 2025.

November 28, 2024Prediction

The Future of Tokenization: Thrilling Possibilities and Predictions

Hello, blockchain enthusiasts! Today, we're embarking on an exhilarating journey into the future to explore the thrilling possibilities and predictions for tokenization. This groundbreaking concept...

April 06, 2024Opinion

AI vs. Blockchain: The Balancing Act for an Innovative Internet

Explore the dynamic interplay between AI and blockchain, where AI centralizes power and blockchain decentralizes it. Discover how balancing these forces is vital for a transparent, innovative internet.

October 13, 2022

Exponential Learning

Explore strategies for keeping pace with rapid tech changes, from studying biographies and teaching yourself, to engaging with young people and experimenting with AI. Master the art of explaining complex ideas simply.

October 11, 2022Opinion

Exponential Rate of Change

Things are changing so fast. And yet, things will only change faster.

October 11, 2022Opinion

How do I keep up?

4 Stages of Exponential Growth

October 16, 2020Opinion

How to think about Blockchain

How will blockchain projects evolve over the next few years.

January 05, 2016

How Uber Gave Me Faith in Humanity

Uber is a disruptive technology. Over the past few years, many taxi and limo drivers have been impacted by the ease of hailing a ride…

Jay Schulman — Plan for Thursday