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

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...

blockchain technology is transforming global payments by enhancing security, transparency and efficiency. As digital wallets, ‘buy now, pay later’ (BNPL) services and instant payment systems grow in popularity, blockchain enables faster transactions, reduces fraud and supports decentralised financial ecosystems. The rise of tokenisation and digital currencies further highlights blockchain's potential in reshaping the financial ...

By leveraging blockchain technology and tokenisation it is possible to potentially revolutionise the $622 billion collectibles market addressing challenges such as transparency, high fees and creator inequity. Key innovations include immutable provenance, fractional ownership and smart contract-enabled resale royalties. By bridging physical and digital assets, it becomes possible to empower creators, whereby enhancing accessibility...

Tokenized gold on a blockchain is redefining gold investment, offering investors a way to own gold with enhanced transparency, security and flexibility. Unlike traditional methods, platforms such as Swarm provide gold-backed NFTs linked to specific gold bars, enabling direct ownership and options for on-chain portfolio diversification, DeFi collateral and liquidity. As gold prices climb, tokenised gold combines the asset’s stabilit...

Cryptocurrency funds and tech start-ups are seeing increased interest yet many projects still struggle to raise capital due to a lack of strong sales, marketing and distribution efforts. Hence, founders must overcome need to focus on building visibility, trust and investor engagement. Key strategies include leveraging social media, PR and personal narratives to attract investors as private investors and family offices are eager to ...

Crowdfunding and the role of blockchains - crowdfunding, now enhanced by the adoption of blockchain technology, offers greater transparency, global reach and reduced costs. Blockchain enables secure transactions, smart contracts and fractional ownership, so democratising access to funding for entrepreneurs. And, whilst challenges such as regulatory uncertainty and market volatility exist, blockchain-powered crowdfunding has the pot...

In today's financial landscape, asset managers face challenges of regulatory compliance and real-time reporting. The concept of consumer duty demands transparency and efficiency, prompting a shift towards digitisation and a more efficient way of reporting. Blockchain technology emerges as a transformative solution, providing immutable records and real-time data access. This transition offers asset managers the opportunity to make i...

Web3, AI and gamification are transforming education and healthcare, offering personalised learning and incentivising wellness activities. With 3.2 billion global gamers, Web3 is revolutionising gaming through decentralised ownership and play-and-earn models. AI and innovations such as generative AI are enhancing game development, realism and engagement. But while gaming provides benefits such as improved mental health and cognitiv...