Opinion

Editorial opinions and perspective on Fintech.

Will The California Confiscation Tax Will Be Approved Even Though it Harms California?

Election day is here, and in California, a key ballot measure that could harm the innovation ecosystem the world envies is on the ballot. The California Confiscation Tax, or “wealth tax” (Proposition 40), could push innovators and investors further away from the Golden State. The… Read More

Hong Kong Established Asia’s Crypto and Blockchain Industry, Then Talent Fled to Singapore

Hong Kong once served as a primary launchpad for Asia’s cryptocurrency sector. Early exchanges, trading desks, and developer communities took root in the city, drawn by its common-law framework, deep capital markets, and proximity to both mainland China and global finance. That foundation helped seed… Read More

Stripe Reaches $1T Faster Than PayPal and Adyen But Volume Alone Doesn’t Capture Real Value Proposition

The path to $1 trillion in annual payment volume has compressed dramatically across successive generations of platforms. PayPal (NASDAQ: PYPL) required roughly 23 years after its 1998 founding to cross the threshold. Adyen (AMS: ADYEN) needed about 17 years from its 2006 launch. Stripe achieved… Read More

CoinDCX and WazirX Hacks Reveal Significant Resource Gaps Compared to Binance, Bybit, and Bitget : Analysis

Indian cryptocurrency platforms have endured a series of significant security breaches in recent years, leaving users with incomplete recoveries and highlighting structural weaknesses that set them apart from larger international counterparts. Exchanges including CoinDCX and WazirX have been among the most prominent targets, while others… Read More

Hardware Wallets Ledger, Trezor, Coldcard, Keystone Have Lost Their Reliability

Hardware wallets have long been promoted as the gold standard for self-custody, isolating private keys offline from internet-connected threats. In 2026, a cascade of supply-chain compromises, third-party data breaches, and firmware failures has eroded that premise. From tampered Ledger devices reported in Singapore a month… Read More

The Quantum Threat Is Closer Than Finance Thinks

When I stood on stage at TOKEN2049 in Singapore this month, I shared what was still only a seed of an idea: adapting the blockchain I helped build to withstand quantum computers. A week later, our community opened a vote on researching the move, and backed… Read More

Insiders Comment on Epic Binance Hack as Crypto Exchange Scrambles to Control the Damage: “An Accident Waiting to Happen”

Binance, the world’s largest crypto exchange with daily trading volume hovering around $14 billion, is scrambling to mitigate the fallout from an epic hack that allegedly pilfered billions of dollars in value from the platform. Initial reports indicate that North Korea is once again behind… Read More

Fed Expected to Hold Rates Steady Even While Inflation Questions Persist

The US Federal Reserve is meeting this week to set benchmark rates, and the consensus is that the Fed will hold rates for now, with the possibility of a rate hike before year-end. The decision comes at a key political moment, with midterm elections next week…. Read More

ICAN Supports Raising Reg CF from $5 Million Funding Cap to $20 Million

A petition was submitted to the Securities and Exchange Commission (SEC) last July requesting that the funding cap under Reg CF be increased from the current $5 million to $20 million. Reg CF, or Regulation Crowdfunding, is the smallest securities exemption for online capital formation…. Read More

Perspective: The Sandbox Paradox – Where innovations go to die – how, why and what got forgotten

As the UK House of Lords Financial Services Regulation Committee kickoff the first evidence session of their inquiry into Regulatory Sandboxes this week (with written submissions closing Friday) in this, the first of a short series, in which we will map, diagnose, and work out… Read More

Approximately 75% of Comments Submitted Support SEC’s Proposed Regulation Crypto Assets

The deadline for comments on the Securities and Exchange Commission’s proposed Regulation Crypto Assets (Reg CA) passed this week, but feedback continues to trickle in. Notably, most comments support the proposal, which exempts issuers from raising up to $75 million for a project. Reg CA… Read More

NASAA: Regulation Crypto Assets Lacks the Robust Investor Protections Necessary

The North American Securities Administrators Association (NASAA) joined a small group of opponents of the Securities and Exchange Commission’s proposed Regulation Crypto Assets. NASAA represents state securities regulators and other North American jurisdictions. Typically, the group lobbies to boost state oversight in the securities sector. In… Read More

There Is No Single Institutional Crypto Investor

Why exchanges must let professional capital choose how it is held, not just what it can trade For most of crypto’s history, institutional adoption was framed as a question of access. Could a fund get exposure at all? That question is largely answered. According to… Read More

Goldman Sachs, Morgan Stanley Frame Tokenization as Key Growth Opportunity

Executives at Goldman Sachs (NYSE:GS), Wells Fargo (NYSE: WFC), and Morgan Stanley (NYSE: MS) discussed tokenization of financial assets during their third-quarter 2026 earnings calls, characterizing it as a potential source of additional business rather than an immediate competitive threat. Related activity remains limited in scale,… Read More

BlackRock’s Larry Fink Warns that Halting AI Data Center Construction Could Trigger a US Recession

BlackRock (NYSE: BLK) CEO Larry Fink cautioned that imposing a broad pause on data center development across the United States could tip the economy into recession. Speaking on CNBC shortly after the world’s largest asset manager reported stronger-than-expected third-quarter results, Fink stated that “if we… Read More

Federal Reserve’s John Williams Warns of Prolonged AI Supply Squeeze as Palantir Leadership Flags Risks to Humanity

New York Federal Reserve President John Williams has indicated that constraints on the supply of equipment critical to artificial intelligence infrastructure may endure beyond two years, adding to potential upward pressure on prices. Speaking in a Bloomberg interview, he observed that the intensive construction of… Read More

Bank of England on CBDC: No Rush to Issue Digital Pound

Speaking to the Atlantic Council this past week, Bank of England Deputy Governor Sarah Breeden said there was no rush to issue a digital pound or central bank digital currency (CBDC). The comments came during the IMF Annual Meeting in Bangkok and were first reported… Read More

Tokenization Progress: Fragmentation, Settlement Needs to be Clarified as Institutional Adoption Grows

CI has received commentary on the advancement of tokenization, or digital securities, as jurisdictions pursue bespoke rules to support tokenized assets and more private firms strive to enable and support them. Brikken CEO Edwin Mata says the tokenization movement is in a more demanding phase…. Read More

Trezor Cuts Resellers After Ledger CryptoBilis Hardware Wallet Implant Reports

Hardware wallet maker Trezor announced on October 13, 2026, that it will shrink its roster of authorized resellers, with selected partners losing their official status on January 1, 2027. The digital security focused company framed the decision as a forward-looking safeguard after recent reports of… Read More

Nasdaq Adena Friedman CEO Sees Tokenization Freeing Billions in Locked Collateral Amid Broader TradFi and DeFi Convergence

Nasdaq (NASDAQ: NDAQ) chief executive Adena Friedman has highlighted how representing traditional assets and cash movements as blockchain-based tokens could release substantial capital currently immobilized as collateral across global markets. Speaking at the TOKEN2049 conference in Singapore, she explained that converting instruments such as US… Read More

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