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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

#sustainability

8 posts

Why Crypto Protocols Collapse: The Metabolism Problem
December 10, 2025Opinion

Why Crypto Protocols Collapse: The Metabolism Problem

Crypto systems prioritize growth metrics over sustainable business fundamentals. Real protocols need metabolic capacity—converting users to customers and speculation to utility—to survive.

November 19, 2024Opinion

The Role of Blockchain in Renewable Energy Certificate (REC) Trading

Hey there, blockchain enthusiasts! � Today, we're going to explore an exciting and innovative application of blockchain technology: Renewable Energy Certificate (REC) trading. By harnessing the pow...

November 18, 2024Opinion

Tokenizing Carbon Credits: Combating Climate Change with Blockchain

Hello, fellow blockchain enthusiasts! � Today, we're going to explore an exciting and innovative application of blockchain technology: tokenizing carbon credits. By harnessing the power of blockcha...

August 29, 2024

Unlocking a Greener Future for NFTs with Proof-of-Stake Blockchains

In our last post, we addressed the environmental concerns surrounding NFTs. Today, we're diving deeper into the world of blockchain technology, focusing on how Proof-of-Stake (PoS) blockchains can ...

August 28, 2024

The Environmental Impact of NFTs: Addressing the Concerns

As we continue to explore the fascinating world of NFTs, it's crucial that we address the elephant in the room: the environmental impact of NFTs. �

May 29, 2024Opinion

Proof-of-Stake Enterprise Implementation: Energy-Efficient Blockchain Security Guide

Complete enterprise guide to Proof-of-Stake blockchain implementation. Learn staking strategies, validator operations, security considerations, and business applications.

May 29, 2024

Proof-of-Stake Enterprise Implementation Guide | Energy-Efficient Consensus

Complete enterprise guide to Proof-of-Stake consensus mechanisms. Learn PoS implementation strategies, energy efficiency benefits, security considerations, and business applications for sustainable blockchain operations.

May 21, 2024

Proof-of-Work Pros and Cons: Enterprise Security and Energy Analysis

Comprehensive analysis of Proof-of-Work advantages and disadvantages for enterprises. Evaluate security benefits, energy costs, scalability challenges, and business implications.

Jay Schulman — Plan for Thursday