The Maltese Falcoin | J.P. Morgan Private Bank

-Payments (macro and micro): So long as cryptocurrencies require their users to have impeccable key management, blockchains can’t solve the peer-to-peer payments problem. Parallel to this, many economies are making big leaps forward in the ease of traditional payments. Look at Venmo in the U.S., M-Pesa in Africa, or AliPay and WeChat Pay in China. ... See more

I think a lot of crypto space, maybe because of its roots in cypherpunk culture, tries to reinvent the wheel on things that regular financial, governmental structures have A/B tested for a very long time and produced battle-tested solutions for. And some of these innovations do make sense in a new environment. But many of the changes are trying to ... See more