Digital Bytes by Team Blockchain Radio; Powered By Cyber.FM

Dive into a fascinating exploration of how stablecoins and CBDCs are reshaping our financial future, featuring expert insights from the Digital Monetary Institute's John Orchard and Lewis McLellan. The discussion reveals how Donald Trump's executive order could potentially trigger a stablecoin boom in the U.S., while the pending Genius Act aims to regulate this emerging sector.

Key highlights:

- The shift from retail to wholesale ap...

As digital currencies and AI systems increasingly shape our daily lives, are we unknowingly trading privacy for convenience - and control for comfort? Could programmable money become a tool for mass surveillance, nudging behaviour and conditioning spending? And, as central banks and tech firms quietly lay the foundation for a fully transparent financial system, who safeguards the citizen? If algorithms engineer our happiness and fi...

The shift to digital money goes beyond mobile payments. It is about transforming outdated, intermediary-heavy financial systems into seamless, programmable and transparent networks. Digital money such as CBDCs, stablecoins and tokenised deposits offer 24/7 access, lower costs and greater financial inclusion. Innovators, institutions and regulators are driving adoption, but challenges such as regulation, interoperability and public ...

Discover how the future of energy trading could be as simple as selling excess solar power to your neighbors! In this fascinating episode, Alex Bausch from Two Tokens unveils groundbreaking initiatives in energy tokenization that are reshaping how we think about power distribution.

Learn how Two Tokens is collaborating with IBM and major banks to democratize solar panel ownership, making green energy accessible even to apartment dw...

Discover how a million-euro data management problem in asset management is being transformed through innovation and collaboration. In this compelling episode, Gary Bond, CEO of TISA, draws from his 35-year experience in financial services to unpack the evolution of asset management and the critical need for standardization.

Gary reveals how TISA's groundbreaking central data utility project is addressing industry-wide challenge...

Dive into a groundbreaking conversation about how blockchain and AI are reshaping the future of betting. Former clean tech entrepreneur Paul Taylor shares his journey of creating Wagerlink, a revolutionary decentralized wagering network that turns users into bookmakers. The episode explores the shift from traditional betting houses to peer-to-peer platforms, offering a fresh perspective on how community-driven gambling could create...

Dive into a fascinating conversation with Oliver King-Smith as he shares his transition from Silicon Valley to founding smartR AI in Scotland. In this compelling episode, Oliver contrasts the practical impact of AI with cryptocurrency's speculative nature, highlighting groundbreaking applications like AlphaFold in medical research.

The discussion explores how AI's evolution might reshape digital currencies, with particular ...

Cryptohedge funds promise high volatility, deep liquidity and strong risk-adjusted returns, yet most struggle to scale. With 80% managing under $50M in assets under management, limited fees make profitability challenging, especially after operational costs. Institutional investors hesitate due to a lack of in-house blockchain expertise, fund size constraints and weak risk management infrastructure. Whilst the market offers ineffici...

Discover how stablecoins could revolutionize the $2.5 trillion payment market in this fascinating conversation between Johnny Fry and Tony McLaughlin. Drawing from his extensive banking experience, Tony shares insights on why stablecoins might become the next mainstream payment method, potentially growing to a remarkable $5 trillion market.

The episode explores:

- Why stablecoins need to be classified as cash equivalents

- The compar...

Agentic AI and large language models are converging with programmable payments to revolutionise finance whereby enabling intelligent wallets that automate decisions and real-time transactions. As legacy systems lag, countries such as the UK have a chance to lead by building secure, AI-powered financial infrastructure.

Discover how the blend of AI and APIs could revolutionize financial systems, as Dan Feaheny shares groundbreakin...

Dive into a fascinating discussion with Breige Tinnelly from Archax, the UK's first FCA-regulated digital asset broker, exchange, and custodian. Discover how they're revolutionizing financial markets by creating the world's first global digital central securities depository.

## Key Highlights:

- Archax's groundbreaking role in bridging traditional finance and crypto

- Development of a digital market infrastructure for...

Dive into a fascinating exploration of China's shifting cryptocurrency landscape as former Hong Kong Securities and Futures Commission experts Angela Wong and Clara Chu share insider perspectives. The episode reveals how China's stance on crypto has evolved from a complete ban in 2021 to a more nuanced approach, with recent court commentary suggesting recognition of digital assets as property.

A key insight emerges: Hong Kong may se...

Programmable bank accounts integrate smart contracts with traditional banking, so enabling automated, rule-based transactions without manual intervention. They enhance efficiency, transparency and security in financial operations by allowing pre-authorised payments, escrow management and multi-signature approvals. Smart contracts execute transactions based on predefined conditions, reducing friction in areas such as supply chain fi...

Imagine losing millions in Bitcoin by accidentally throwing away your computer - a nightmare that could be prevented with the right technology. In this fascinating episode, Pat Rug of Cheyenne Mint reveals how military-grade cryptography is being repurposed to create ultra-secure physical digital wallets for cryptocurrency storage.

Drawing from his expertise in anti-tamper technology, Pat explains how their air-gapped wallet system...

As central banks accelerate CBDC development, stablecoins are emerging as a dominant alternative, already powering global transactions. But whilst CBDCs promise efficiency and financial inclusion, concerns over privacy, banking disruption and real-world utility persist. Meanwhile, stablecoins offer speed, decentralisation and interoperability but face regulatory uncertainty. The future of money is at a crossroads - so, who will def...

The digital asset custody sector is rapidly evolving, yet remains fragmented and largely unregulated in the UK, leaving investors exposed to risks. Unlike traditional finance, where custodians operate under clear legal frameworks, crypto custodians lack defined protections - often holding client assets in omnibus accounts that could be vulnerable in insolvency cases. As tokenisation expands across financial markets, the demand for ...

Imagine a world where moral frameworks are developed collaboratively, just like open-source software. This fascinating episode explores how blockchain technology and the principles of open-source development could revolutionize the way we establish shared ethical values.

Tony McLaughlin, a traditional finance veteran, shares his vision of creating an "open source morality" through decentralized autonomous organizations (D...

Discover how emerging markets are leading the digital payment revolution, with Brazil's PIX and India's UPI showing the way forward. This fascinating episode reveals how an early electronic trading initiative at Merrill Lynch unexpectedly influenced the 2008 financial crisis, while highlighting the urgent need for modernized payment systems in today's tokenized world.

The discussion explores how innovative payment solutions like M-...

Dive into a fascinating exploration of how tokenization is set to revolutionize industries far beyond the crypto market. While cryptocurrencies have captured public attention, they're just the tip of the iceberg in the tokenization revolution.

In this eye-opening episode, Alex and Johnny examine how tokenization technology can transform multiple sectors, with a special focus on the energy industry. Learn how solar farms could...