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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

#risk management

107 posts

August 01, 2020

When NFTs can get troublesome

Explore the complex world of NFTs with Rug Radio's innovative model, blending art, membership, and potential investments. Discover how NFTs extend beyond digital collectibles.

November 28, 2017Opinion

Click on malware, Raise your hand

Explore the true nature of cybersecurity threats and discover why viewing hackers as savvy marketers can reshape security training. Learn why encouraging openness about mistakes is crucial for better protection.

November 01, 2017Opinion

Security: We are doomed to repeat it.

Some simple yet secure cipher, easily acquired and easily read, should be introduced, by which means messages might to all intents and…

May 26, 2017Opinion

Disrupt Patching

Patching shouldn’t be so hard.

November 01, 2016Prediction

Jay’s 2017 Information Security Predictions

It’s that time of year when security writers across the globe predict what we can expect from information security in the following year…

March 07, 2016

10 Minute Call with an IRS Scammer

9 = 38am on Friday, the phone rings with a call from Tulsa, OK. I’m not sure I know anyone in Tulsa so I let it go to voicemail. Odd, they…

December 16, 2015Opinion

Why We Will Never Secure The Internet of Things

Explore why securing the Internet of Things (IoT) remains elusive, as most devices, made by unknown manufacturers, lack security measures. Discover the need for universal security standards.

December 14, 2015

Securing Amazon Web Services

Discover a comprehensive guide to securing your Amazon Web Services environment. This blog post compiles essential tips and resources to protect AWS accounts, EC2 instances, S3 buckets, and more.

December 02, 2015

ISO 27017: A New Standard to Learn

Explore ISO 27017, a cloud-specific security standard that Amazon Web Services recently adopted. Learn how it complements existing ISO standards and its implications for cloud security practices.

November 09, 2015

Project: Intrusion Detection

This starts the first in a series of projects you can use to improve your security skills. The ideas of these projects is something…

November 02, 2015

5 Facts You Need to Know About Cyber Insurance

Uncover the complexities of cyber insurance with insights on policy specifics, exclusions, and understanding risks. This guide empowers you to manage security effectively by demystifying cyber insurance coverage.

October 26, 2015Opinion

Passwords is Everything That is Wrong with Security

Explore why the outdated concept of passwords is failing modern security needs and discover innovative alternatives like token-based authentication that promise a more secure future.

Jay Schulman — Plan for Thursday