The Applied Edge Podcast

What Human Psychology Teaches Us About AI Strategy | Prof. Michael Muthukrishna

There's no such thing as an AI strategy that ignores human psychology. That's the view from Professor Michael Muthukrishna, Professor of Economic Psychology at LSE and NYU and author of A Theory of Everyone, who joins Adi Ben-Ari, Founder and CEO of Applied Blockchain and Applied Edge, to explain what centuries of research into human cooperation and cultural evolution reveal about why some companies get real value from AI, and most don't.Michael explains why he's unusually well placed to bridge the two worlds: trained as an engineer before becoming one of the only people at the LSE to train neural networks from scratch, he pivoted into evolutionary psychology to study how humans became the only species to build a "collective brain," learning from one another at scale. That same science, he argues, explains exactly why most enterprise AI rollouts stall: companies treat AI as the goal instead of the business, run the same pilot in a dozen different corners of the org, and set up the kind of zero sum incentives that kill the cooperation adoption depends on.He also makes a claim that should give every leader pause: AI model capability has been doubling roughly every seven months since 2020, meaning a model that can reliably manage half a day's work today will be handling a week's worth within the year, and most organisations are planning as if the technology they have now is the technology they'll still have next year.→ PlusThe Enron story behind why "rank and yank" incentive structures destroy AI adoption, why AI is a general purpose technology like electricity, and why Michael believes humanity has never, in its history, outsourced the thinking itself, until now.→ Mentioned in this episodeA Theory of Everyone: Who We Are, How We Got Here, and Where We're Going, Michael MuthukrishnaHit Refresh, Satya NadellaSapiens, Yuval Noah HarariElectric Twin, synthetic audience / consumer insight platformThank you for tuning in.appliedblockchain.com | appliededge.com | silentdata.comDisclaimerThis podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

5% to 85%: AI Adoption Inside Santander Brasil | Eduardo Alvarez, Chief Data & AI Officer

There's not a single area of the bank untouched by AI. That's the view from Eduardo Alvarez, Partner of Strategy and Chief Data and AI Officer at Santander Brasil, who joins Adi Ben-Ari, Founder and CEO of Applied Blockchain and Applied Edge, to share the playbook behind one of banking's most ambitious AI transformations. Eduardo explains why Santander Brasil runs AI as its own division reporting directly to top management, how a hundred year old, risk averse institution manages the risks of moving fast, and the uncomfortable conversations required to convince long tenured staff that the job they mastered no longer exists in the same form. He also makes a prediction that should worry every bank: customers will soon stop opening their banking apps altogether, delegating financial decisions to AI agents instead, and banks risk becoming invisible infrastructure unless they get there first. Plus: How Pix and open finance turned Brasil into one of the most competitive and advanced digital banking markets in the world, and what the rest of the industry can learn from it. Eduardo's recommended sources include: ● Anthropic Courses ● karpathy.ai ● Andrew Ross Sorkin’s 1929: Inside the Crash Thank you for tuning in. appliedblockchain.com | appliededge.com | silentdata.com DisclaimerThis podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Patrick Hennes: From Fund Chain Pioneer to the Future of Tokenized Asset Servicing

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari (Founder, CEO of Applied Blockchain) speaks with Patrick Hennes, a blockchain and digital assets servicing expert based in Luxembourg, specialising in tokenization, MiCA, and digital asset operating models. Patrick has spent 26 years in Luxembourg's fund industry — from transfer agency and fund migrations to six years as Director at PwC Luxembourg, where he co-founded one of the earliest blockchain initiatives in European asset management. He is a speaker, author, and one of the genuine pioneers of tokenization in the institutional finance world. Together, Adi and Patrick explore, but not limited to: How Patrick first encountered blockchain at a PwC management meeting in 2015 — and what immediately clicked The Fund Chain initiative: building the first Ethereum-based tokenization pilot for investment funds back in 2016 Why digitalization must come before tokenization — and what that means in practice for the full asset servicing value chain The two missing pieces from the early days: digital custody and on-chain cash Stablecoins, deposit tokens, and the payment rail that will finally enable atomic settlement Resources Mentioned & Themes Discussed Fund Chain initiative — PwC Luxembourg white paper: "The Genesis of a New Business Model for the Asset Management Industry" Forge stablecoin (accepted as settlement currency by Clearstream) Larry Fink's "era of tokenization of all assets" ERC standards & Polygon DORA, AML directives, MiFID2, GENIUS Act Atomic Habits – James Clear The 5 AM Club – Robin Sharma This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 infrastructure and privacy-preserving blockchain solutions. Listen & subscribeSpotify ○ spoti.fi/43AjliCApple Podcasts ○ apple.co/4izThbCAmazon Music ○ amzn.to/41RVTfzYouTube ○ bit.ly/3QZl2i8 Follow for more blockchain insightsLinkedIn ○ bit.ly/3DsNp3X ○ bit.ly/4iCKhCBYouTube ○ bit.ly/3QZl2i8Medium ○ bit.ly/3R16Mp2GitHub ○ github.com/appliedblockchain/Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchainappliedblockchain.com | silentdata.com Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

• Transcript

Charles Adams from Nickel Digital: From Bitcoin Mining in a School Dorm to Digital Asset Hedge Funds

Episode description In this episode of the Applied Blockchain Podcast, Adi Ben-Ari (Founder, CEO) speaks with Charles Adams, Head of Investor Relations at Nickel Digital Asset Management, one of Europe's leading digital asset hedge funds, about what a decade inside crypto actually looks like, and where the industry is heading next. Charles is a true crypto native who has never worked in traditional finance. He bought a Bitcoin miner and a book on blockchain off eBay in 2013, set up a mining rig in his school dorm, and has been in the space ever since — through ICOs, DeFi, institutional adoption, and now the convergence of AI and digital assets. Together, Adi and Charles explore, but not limited to: Why Charles started mining Bitcoin in his school dorm in 2013 — and why he originally planned to sell it all immediately Why utility tokens remain the most under-appreciated innovation in the ecosystem How Uniswap and automated market makers represent one of the few genuinely original innovations in digital assets Why autonomous AI agents may be the natural native users of crypto infrastructure The risk management challenges of deploying AI agents in a regulated investment environment Why hackathons are no longer just for coders — and what's coming up at Applied Blockchain's AI Hackathon Resources Mentioned & Themes Discussed Uniswap and automated market makers Hyperliquid — decentralised perpetuals trading Stablecoins and the GENIUS Act KYC/AML friction in institutional fund operations ‍ The episode also covers Applied Blockchain's upcoming AI Hackathon, where participants can build AI-powered solutions, with Dan Brockwell (Portfolio Manager, Directional Digital Liquid Venture, Nickel Digital Asset Management) serving as a judge. Register for the AI Hackathon → https://luma.com/5m9c16x4 This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralized technologies. Listen & subscribe Spotify ○ ⁠spoti.fi/43AjliC⁠ Apple Podcasts ○ ⁠apple.co/4izThbC⁠ Amazon Music ○ ⁠amzn.to/41RVTfz⁠ Anchor ○ ⁠bit.ly/4hufmY9⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Follow us for more blockchain insights LinkedIn ○ ⁠bit.ly/3DsSNp3⁠ X ○ ⁠bit.ly/4iCKhCB⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Medium ○ ⁠bit.ly/3R16Mp2⁠ GitHub ○ ⁠github.com/appliedblockchain/⁠ Linktree ○ ⁠linktr.ee/appblockchain⁠ Thank you for tuning in, Applied Blockchain ⁠⁠⁠appliedblockchain.com⁠⁠⁠ | ⁠⁠⁠silentdata.com⁠⁠⁠ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

• Transcript

Ziv Keinan from STG-3: Institutional RWA Tokenization & The Next Phase of On-Chain Capital Markets

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Ziv Keinan, Tokenization & RWA expert and Curator of the STG-3 RWA Community, about why real-world asset tokenization is entering its institutional phase, and what that means for global capital markets.With over 17 years of experience spanning law, private equity, digital securities, and blockchain infrastructure, Ziv has been at the forefront of security token offerings, interoperability platforms, and institutional RWA initiatives. As founder of STG-3, one of the leading global communities for digital securities and real-world asset professionals, he brings a uniquely institutional lens to the conversation.Together, Adi and Ziv explore, including but not limited to:• Why ICOs and early STOs created two parallel financial worlds• How “security tokens” evolved into “digital securities” and now “RWAs”• Why tokenization is an efficiency play for capital markets — not just innovation theatre• Why stablecoins are the first true product-market fit in crypto• Why private credit and tokenized funds are emerging as major RWA pillars• Why privacy is not optional for institutional adoption• The convergence of regulation, capital, and technological maturity• Why tokenization is about rethinking processes — not just putting assets on-chain• How London and global financial centres are positioning for digital capital markets• Why the conversation has shifted from “What is blockchain?” to “How do we deploy this at scale?”The episode also covers the upcoming RWA London Summit, a curated gathering of institutional leaders, infrastructure providers, and senior decision-makers shaping the next phase of tokenized finance.Resources Mentioned & Themes Discussed• Regulation D and early security token offerings• Institutional adoption cycles vs crypto-native experimentation• Stablecoins as settlement infrastructure• Tokenized private credit and funds• Institutional privacy requirements on public blockchains• Interoperability and capital markets modernisation• The UK’s positioning in digital asset regulation• The role of curated communities like STG-3 in accelerating adoptionThis podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 infrastructure and privacy-preserving blockchain solutions.Listen & subscribeSpotify ○ ⁠spoti.fi/43AjliC⁠Apple Podcasts ○ ⁠apple.co/4izThbC⁠Amazon Music ○ ⁠amzn.to/41RVTfz⁠Anchor ○ ⁠bit.ly/4hufmY9⁠YouTube ○ ⁠bit.ly/3QZl2i8⁠Follow us for more blockchain insightsLinkedIn ○ ⁠bit.ly/3DsSNp3⁠X ○ ⁠bit.ly/4iCKhCB⁠YouTube ○ ⁠bit.ly/3QZl2i8⁠Medium ○ ⁠bit.ly/3R16Mp2⁠GitHub ○ ⁠github.com/appliedblockchain/⁠Linktree ○ ⁠linktr.ee/appblockchain⁠Thank you for tuning in, Applied Blockchain⁠⁠⁠appliedblockchain.com⁠⁠⁠ | ⁠⁠⁠silentdata.com⁠⁠⁠DisclaimerThis podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

• Transcript

Julian Kwan from InvestaX: RWA Tokenization Explained, Licensed RWAs & Onchain Capital Markets

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Julian Kwan, Co-Founder & CEO of IXS and InvestaX, about why real-world asset tokenization is moving from “security token experiments” into a global race to rebuild capital markets on-chain. Drawing on Julian’s experience building licensed RWA platforms across Singapore and the Bahamas, the conversation explores how tokenization is evolving beyond crowdfunding into programmable, interoperable financial infrastructure — and why stablecoins, regulation, and distribution are the real catalysts for growth. Together, Adi and Julian explore, including but not limited to: • Why “security tokens” became “digital securities” and now “RWAs” • Why capital markets moving on-chain is ultimately an efficiency play • How Singapore’s early regulatory approach enabled real experimentation • Why stablecoins are the key utility pillar behind on-chain finance • The biggest bottlenecks in RWAs • Why liquidity doesn’t magically appear• How tokenized treasuries became the first true product-market fit in RWAs • The next wave: private credit, private debt, and “Bitcoin real yield” • Where privacy matters in on-chain marketsResources Mentioned & Themes Discussed • Singapore’s regulatory and government grant approach to tokenization • Tokenized treasuries and yield-bearing on-chain assets• DEX models (e.g., Uniswap-style liquidity pools) applied to tokenized securities • AI agents as a new interface for discovering information and automating workflows This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralized technologies. Listen & subscribe Spotify ○ ⁠spoti.fi/43AjliC⁠ Apple Podcasts ○ ⁠apple.co/4izThbC⁠ Amazon Music ○ ⁠amzn.to/41RVTfz⁠ Anchor ○ ⁠bit.ly/4hufmY9⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Follow us for more blockchain insights LinkedIn ○ ⁠bit.ly/3DsSNp3⁠ X ○ ⁠bit.ly/4iCKhCB⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Medium ○ ⁠bit.ly/3R16Mp2⁠ GitHub ○ ⁠github.com/appliedblockchain/ ⁠Linktree ○ ⁠linktr.ee/appblockchain⁠ Thank you for tuning in, Applied Blockchain ⁠⁠ appliedblockchain.com⁠⁠⁠ | ⁠⁠⁠silentdata.com⁠⁠⁠ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

• Transcript

Emma Landriault from JP Morgan: Deposit Tokens Explained, Inside JPM Coin and Institutional Onchain Payments

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Emma Landriault, Executive Director, Product - JPM Coin, about what it actually takes to move regulated, institutional money onchain, and why deposit tokens may become the backbone of programmable payments for banks and their clients. Drawing on Emma’s background as a blockchain and digital asset product lead across major banks, including JP Morgan, the conversation explores the practical realities behind “institutional-grade” tokenized money: 24/7 settlement rails, treasury automation, compliance controls, interoperability, and the difference between technical vs. economic fungibility. Together, Adi and Emma explore, including but not limited to: • What deposit tokens are, and how they differ from stablecoins • Why treasury and liquidity management is emerging as the killer use case for programmable money • How institutional payment rails reduce friction • What it means to bring regulated bank money to public blockchain environments • Why interoperability is the next major frontier • The building blocks required for payment tokens to meet compliance realities Resources Mentioned • The Financial Times • Research reports (Coinbase, Galaxy, Standard Chartered) • Bank for International Settlements (BIS) bulletins • Hard Fork podcast • Token standards research with MIT Digital Currency Initiative (MIT DCI) on capabilities needed for regulated payment tokens This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralized technologies. Listen & subscribe Spotify ○ ⁠spoti.fi/43AjliC⁠ Apple Podcasts ○ ⁠apple.co/4izThbC⁠ Amazon Music ○ ⁠amzn.to/41RVTfz⁠ Anchor ○ ⁠bit.ly/4hufmY9⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Follow us for more blockchain insights LinkedIn ○ ⁠bit.ly/3DsSNp3⁠ X ○ ⁠bit.ly/4iCKhCB⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Medium ○ ⁠bit.ly/3R16Mp2⁠ GitHub ○ ⁠github.com/appliedblockchain/⁠ Linktree ○ ⁠linktr.ee/appblockchain⁠ Thank you for tuning in, Applied Blockchain ⁠⁠⁠appliedblockchain.com⁠⁠⁠ | ⁠⁠⁠silentdata.com⁠⁠⁠ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

• Transcript

Jay Wilson from AlbionVC: Why Institutional-Grade FinTech Infrastructure Will Define the Next Decade

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Jay Wilson, Partner at AlbionVC, one of the UK’s leading venture capital firms investing in B2B fintech, enterprise software, and data infrastructure, about how digital assets are moving beyond hype, and why institutional-grade infrastructure and proven ROI are now defining the market.Drawing on a career spanning capital markets, fintech, and venture investing, Jay shares how early experiences with “analog finance” shaped his conviction in programmable money, tokenization, and blockchain-based financial infrastructure. At AlbionVC, he focuses on backing IP-rich, enterprise-first businesses operating at the intersection of traditional finance and Web3 — including transaction monitoring, tokenized yield, and digital asset risk analytics.Together, Adi and Jay explore, including but not limited to:• Why digital asset adoption is increasingly decoupling from crypto price cycles• How stablecoins established real commercial ROI through cross-border payments and remittances• Where tokenization delivers meaningful efficiency gains — and where it doesn’t• What investors look for in B2B fintech and digital asset infrastructure founders• Why institutional adoption is driven by compliance, scalability, and operational maturity• The UK’s regulatory opportunity — and why the window to lead may be closing📚 Resources Mentioned• AlbionVC and its approach to enterprise and fintech investing• Institutional digital asset infrastructure and “picks and shovels” business models• Tokenization, stablecoins, and real-world commercial use cases• High Output Management by Andy GroveThis podcast is brought to you by Applied Blockchain, a leading blockchain development company building enterprise-grade infrastructure, privacy-preserving technologies, and real-world Web3 solutions — including Silent Data, our Layer 2 privacy protocol.📢 Listen & SubscribeSpotify ○ spoti.fi/43AjliCApple Podcasts ○ apple.co/4izThbCAmazon Music ○ amzn.to/41RVTfzAnchor ○ bit.ly/4hufmY9YouTube ○ bit.ly/3QZl2i8🔗 Follow Us for More Blockchain InsightsLinkedIn ○ bit.ly/3DsSNp3Twitter ○ bit.ly/4iCKhCBYouTube ○ bit.ly/3QZl2i8Medium ○ bit.ly/3R16Mp2GitHub ○ github.com/appliedblockchainLinktree ○ linktr.ee/appblockchainThank you for tuning in,Applied Blockchainappliedblockchain.com | silentdata.com⚠️ DisclaimerThis podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Always conduct your own research and consult a professional before making financial decisions.

• Transcript

Clarisse Hagège from Dfns: The Future of Wallet Security & MPC Infrastructure

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Clarisse Hagège, CEO & Co-founder of Dfns, board member of the MPC Alliance, and one of Europe’s leading voices in digital asset security, about the future of wallet infrastructure and why the next decade of blockchain will be defined by secure, programmable digital custody. With a background spanning Goldman Sachs, Merrill Lynch, Crédit Agricole CIB, and three advanced degrees in economics and finance, Clarisse combines deep institutional experience with a builder’s mindset. Today she leads Dfns, a cybersecurity company pioneering next-generation wallet infrastructure powered by MPC and API-based key management. Together, Adi and Clarisse explore, but not limited to: • Why wallet infrastructure is becoming the critical layer for Web3 adoption • The shift from private keys to MPC, distributed signing, and hardware-free security • How custody and authentication are converging into programmable, automated architectures • Why enterprises are demanding bank-grade security for digital assets 📚 Resources Mentioned • Dfns: Next-gen wallet infrastructure: https://www.dfns.co • MPC Alliance: Global standards for multiparty computation • Research and discussions on wallet security, MPC vs HSMs, and institutional digital asset architecture This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3, privacy-preserving technologies, and enterprise infrastructure. 📢 Listen & SubscribeSpotify ○ spoti.fi/43AjliCApple Podcasts ○ apple.co/4izThbCAmazon Music ○ amzn.to/41RVTfzAnchor ○ bit.ly/4hufmY9YouTube ○ bit.ly/3QZl2i8 🔗 Follow Us for More Blockchain Insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB YouTube ○ bit.ly/3QZl2i8 Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchainappliedblockchain.com | silentdata.com ⚠️ Disclaimer This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Always conduct your own research and consult with a professional before making financial decisions.

• Transcript

Geoff Kendrick from Standard Chartered: How Stablecoins Will Transform Financial Infrastructure

In this episode of the Applied Edge Podcast, Adi Ben-Ari speaks with Geoff Kendrick (Global Head of Digital Assets Research at Standard Chartered ), about how stablecoins are reshaping global financial infrastructure and why their adoption is accelerating faster than many expect. Drawing on deep macroeconomic and market expertise, Geoff explains how stablecoins have evolved from simple dollar trackers into a structural component of digital finance. He argues that stablecoins are not merely an innovation within crypto, but a new monetary “form factor” with profound implications for banks, payment networks, and cross-border settlement. Together, Adi and Geoff explore: • Why stablecoins are set to do for money what the internet did for information • What makes 2025 a pivotal inflection point for mainstream adoption • The role of trust, regulation, and transparency in driving institutional use • How tokenized deposits and stablecoins will coexist in future financial architecture • The real risks: fragmentation, jurisdictional competition, and the speed of transition • Why banks must adapt to wallet-based systems, public networks, and programmable value • The long-term vision: open monetary networks, real-time settlement, and global liquidity rails 📚 Resources Mentioned • Standard Chartered research on digital assets and tokenized money • Industry discussions on stablecoin regulation and global adoption trajectories • Insights into the convergence of banking, blockchain, and real-time settlement networks This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3, digital assets, and decentralized technologies. 📢 Listen & subscribe Spotify ○ spoti.fi/43AjliC Apple Podcasts ○ apple.co/4izThbC Amazon Music ○ amzn.to/41RVTfz Anchor ○ bit.ly/4hufmY9 YouTube ○ bit.ly/3QZl2i8 🔗 Follow us for more blockchain insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB YouTube ○ bit.ly/3QZl2i8 Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchain appliedblockchain.com | silentdata.com ⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell assets or make financial decisions. Always do your own research and consult with a professional.

• Transcript

Tony McLaughlin from Ubyx: Can Banks Win the Stablecoin Race?

In this episode of the Applied Edge Podcast, Adi Ben-Ari speaks with Tony McLaughlin — founder of Ubyx, former Citi payments leader, and leading voice in the stablecoin movement — about why we are entering the Stablecoin Epoch and what it means for financial services worldwide. With three decades in payments, Tony has seen the industry shift from being “boring” to becoming the frontline of digital transformation. Now, he argues that stablecoins and tokenized deposits are set to become the general-purpose form factor for money — reshaping everything from corporate treasury to everyday payments. They explore: • Why the stablecoin epoch is inevitable — and what makes it different from past payment rails • The move from the account paradigm to the wallet paradigm • How stablecoins are really traveller’s checks 2.0 in digital form • Why banks and fintechs must compete on public blockchains • The convergence of public and permissioned networks • Tony’s vision for Ubyx and a universal acceptance network for stablecoins 📚 Resources Mentioned • Ubyx – stablecoin ubiquity initiative • Citi research on digital money and tokenization • Industry debates on regulated stablecoins, tokenized deposits, and CBDCs This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralized technologies. 📢 Listen & subscribe Spotify ○ spoti.fi/43AjliC Apple Podcasts ○ apple.co/4izThbC Amazon Music ○ amzn.to/41RVTfz Anchor ○ bit.ly/4hufmY9 YouTube ○ bit.ly/3QZl2i8 🔗 Follow us for more blockchain insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB YouTube ○ bit.ly/3QZl2i8 Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain/ Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchain appliedblockchain.com | silentdata.com ⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

• Transcript

Bernhard Schweizer from SAP: Stablecoins, ERP Integration & the Future of B2B Payments

In this episode of the Applied Edge Podcast, Adi Ben-Ari speaks with Bernhard Schweizer, Head of the SAP Digital Currency Hub, about how large enterprises are beginning to adopt stablecoins for B2B payments - and what that means for the future of financial operations.Bernhard shares insights from over 30 years at SAP, explaining how his team is bridging traditional ERP systems with blockchain-based payment rails. He outlines how stablecoins offer cost, speed, and transparency advantages for cross-border transactions, and how enterprise treasuries may eventually shift toward tokenized financial instruments and real-time, on-chain portfolio management.They discuss:○ Enterprise use cases for stablecoins in ERP payment runs○ Why cross-border B2B payments are ripe for disruption○ How SAP integrates blockchain payments via custodians and wallets○ Accounting, reconciliation & IFRS treatment of stablecoins○ Stablecoin vs commercial bank token infrastructure○ The role of regulation: MiCA in Europe & U.S. frameworks○ How treasuries could one day manage tokenized T-bills, MMFs & RWA tokens○ What’s needed to overcome the “chicken-and-egg” problem of adoption📚 Resources Mentioned:○ MiCA (Markets in Crypto-Assets Regulation): europa.eu○ PayPal’s PYUSD stablecoin: paypal.com○ The Innovator’s Dilemma by Clayton Christensen○ Zero to One by Peter Thiel○ Crossing the Chasm by Geoffrey A. Moore○ Thinking, Fast and Slow by Daniel KahnemanThis podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralised technologies.📢 Listen & subscribeSpotify ○ spoti.fi/43AjliCApple Podcasts ○ apple.co/4izThbCAmazon Music ○ amzn.to/41RVTfzAnchor ○ bit.ly/4hufmY9YouTube ○ bit.ly/3QZl2i8🔗 Follow us for more blockchain insightsLinkedIn ○ bit.ly/3DsSNp3Twitter ○ bit.ly/4iCKhCBMedium ○ bit.ly/3R16Mp2GitHub ○ github.com/appliedblockchain/Thank you for tuning in,Applied Blockchain⁠⁠appliedblockchain.com⁠⁠ | ⁠⁠silentdata.com⁠⁠⚠️ DisclaimerThis podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Julien Bouteloup from Stake Capital: From Hackathons to DeFi Powerhouse

In this episode of the Applied Edge Podcast, Adi Ben-Ari speaks with Julien Bouteloup - serial builder, investor, and contributor to some of DeFi’s most pivotal projects - about the journey from hackathons to helping shape the foundations of decentralised finance. Julien reflects on a decade of bold experimentation - from building ID systems in Papua New Guinea and AI tools for coconut farms, to co-founding StakeDAO, launching Rekt News, and shaping protocols like Curve and Aave. They discuss: • The roots of DeFi: hackathons, AMMs, flash loans, and governance• Decentralised identity and innovation in emerging markets • AI in agriculture, autonomous drones, and carbon markets • Curve’s tokenomics, veCRV, and liquidity dynamics• StakeDAO, protocol governance, and market coordination • Rekt News and transparency in Web3• The intersection of AI, privacy, and decentralised finance 📚 Resources Mentioned • Rekt News • StakeDAO & Curve Finance • Zero Health: Privacy-preserving medical AI • Giza: Agentic AI trading bots • Perplexity & Claude: AI-powered research tools This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralised technologies. 📢 Listen & subscribe Spotify ○ spoti.fi/43AjliC Apple Podcasts ○ apple.co/4izThbC Amazon Music ○ amzn.to/41RVTfz Anchor ○ bit.ly/4hufmY9 YouTube ○ bit.ly/3QZl2i8 🔗 Follow us for more blockchain insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB YouTube ○ bit.ly/3QZl2i8 Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain/ Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchain⁠⁠ appliedblockchain.com⁠⁠ | ⁠⁠silentdata.com ⁠⁠⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Vikram Seth from Shell: Enabling an Environment of Data Sharing with Privacy

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Vikram Seth, Head of Blockchain & Web3 at Shell, about how blockchain, privacy, and decentralised infrastructure are shaping the energy transition and the future of value exchange. Vikram shares insights from his work at Shell and beyond, exploring how distributed technologies can enable cross-ecosystem data sharing while preserving privacy, incentivise sustainable behaviour, and integrate with technologies like AI and IoT to build more resilient systems. They discuss: Blockchain's role in data integrity and decentralised infrastructure Privacy-preserving solutions enabling secure data collaboration Community-based incentives and transactive energy systems Real-world assets and the rise of DePINs (Decentralised Physical Infrastructure Networks) How AI, smart contracts, and automation interplay with blockchain Why system thinking is key to solving real-world challenges 📚 Resources Mentioned The Future of Money by Bernard Lietaer The Great Simplification podcast by Nate Hagens Ocean Protocol, Fetch.ai, Deep Green Gitcoin, Helium Network, Project 2050 (Fuse Energy) Brixton Pound and complementary currencies This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralised technologies. 📢 Listen & subscribe Spotify ○ spoti.fi/43AjliC Apple Podcasts ○ apple.co/4izThbC Amazon Music ○ amzn.to/41RVTfz Anchor ○ bit.ly/4hufmY9 YouTube ○ bit.ly/3QZl2i8 🔗 Follow us for more blockchain insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB YouTube ○ bit.ly/3QZl2i8 Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain/ Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchain appliedblockchain.com ○ silentdata.com ⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Andrew O’Neill from S&P Global: Tokenized Finance, Stablecoins & Risk in the Age of Blockchain

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Andrew O’Neill, Head of Digital Assets and Blockchain Analytics at S&P Global Ratings, about the evolution of financial infrastructure through tokenisation, stablecoins, and decentralised finance. Andrew shares insights from over 15 years in the financial sector, covering how traditional risk frameworks are being reshaped to accommodate real-time blockchain data, smart contracts, and on-chain portfolios. He explains how legacy institutions are engaging with Web3, and why transparency, resilience, and education are critical for widespread adoption. They discuss: Tokenisation of money market funds and treasury assets Stablecoins: reserve structures, transparency & risk profiles Decentralised finance (DeFi) and its parallels with structured finance On-chain vs off-chain risks: what still needs bridging How blockchain enables real-time financial monitoring Use cases in DAO treasuries, corporate finance & asset management Bitcoin’s evolving role in global markets 📚 Resources Mentioned Bitcoin White Paper: bitcoin.org/bitcoin.pdf Smart Money*by Brunello Rosa MakerDAO’s RWA investments Project Guardian by JPMorgan & Apollo ArbitrumDAO Treasury Proposals S&P Global Ratings: spglobal.com This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralised technologies. 📢 Listen & subscribe Spotify ○ spoti.fi/43AjliC Apple Podcasts ○ apple.co/4izThbC Amazon Music ○ amzn.to/41RVTfz Anchor ○ bit.ly/4hufmY9 YouTube ○ bit.ly/3QZl2i8 🔗 Follow us for more blockchain insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain/ Thank you for tuning in, Applied Blockchain⁠⁠ appliedblockchain.com⁠⁠ | ⁠⁠silentdata.com⁠⁠ ⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Pedro López-Belmonte, Ex-Richemont: Blockchain in Luxury Retail – Product Passports, Loyalty & NFTs

In this episode of the Applied Blockchain Podcast, ⁠Adi Ben-Ari⁠ speaks with ⁠Pedro López-Belmonte⁠, former Head of Technology Innovation at Richemont (parent company of Cartier, Montblanc, and IWC), about blockchain’s real-world applications in the luxury and retail sectors. Pedro shares deep insights from nearly a decade at the forefront of blockchain, Web3, and emerging technologies - including how digital product passports, NFTs, and privacy-preserving loyalty are reshaping customer engagement and combating counterfeits. They discuss: Blockchain’s role in transparency and IP protection Digital product passports for proof of ownership & authenticity The challenge of linking physical and digital assets Why many loyalty NFT projects fall short — and how to fix them Case studies from IWC, Porsche, eBay, and Vestiaire Collective Community-based loyalty, secondary markets & real value delivery 📚 Resources mentioned Bitcoin White Paper: ⁠bitcoin.org/bitcoin.pdf⁠ Purple Cow by Seth Godin Vitalik Buterin’s blog: ⁠vitalik.ca⁠ POAP: ⁠poap.xyz⁠ Animoca Brands: ⁠animocabrands.com⁠ Richemont on choosing a public blockchain: ⁠ledgerinsights.com/cartier-owner-richemont-why-it-chose-a-public-blockchain⁠ Music shout-outs: Frank Zappa & Brian Eno 🎵 This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralised technologies. 📢 Listen & subscribe Spotify ○ ⁠XYZ.COM⁠ Apple Podcasts ○ ⁠XYZ.COM⁠ Amazon Music ○ ⁠XYZ.COM⁠ Anchor ○ ⁠XYZ.COM⁠ YouTube ○ ⁠XYZ.COM⁠ 🔗 Follow us for more blockchain insights LinkedIn ○ ⁠bit.ly/3DsSNp3⁠ Twitter ○ ⁠bit.ly/4iCKhCB⁠ YouTube ○ ⁠bit.ly/3QZl2i8⁠ Medium ○ ⁠bit.ly/3R16Mp2⁠ GitHub ○ ⁠github.com/appliedblockchain/⁠ Linktree ○ ⁠linktr.ee/appblockchain⁠ Thank you for tuning in, Applied Blockchain ⁠appliedblockchain.com⁠ ○ ⁠silentdata.com⁠ ⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Rita Martins from LSEG: Fintech, Blockchain & the Future of Financial Innovation

In this episode of the Applied Blockchain Podcast, ⁠Adi Ben-Ari⁠ speaks with ⁠Rita Martins⁠, Head of Ecosystems at the London ⁠Stock Exchange Group⁠ (LSEG) and former Fintech Partnerships Lead at ⁠HSBC⁠, about the evolving intersection of finance, fintech, and blockchain innovation. Rita shares her journey from consulting to banking, offering first-hand insights into the challenges of big bank innovation, fintech collaborations, and the impact of blockchain on financial services. They discuss: ○ Why innovation is so challenging for traditional banks ○ How fintech partnerships drive financial transformation ○ Public vs. private blockchains ○ The role of stablecoins, digital assets, and Web3 in finance ○ Insights from Rita’s ⁠book⁠, “Web3 & Financial Services” 📚 Resources Mentioned ○ Web3 in Financial Services by Rita Martins: ritamartins.co.uk ○ DL News: dlnews.com ○ Bankless Podcast: bankless.com/podcast This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralised technologies. 📢 Listen & subscribe Spotify ○ spoti.fi/43AjliC Apple Podcasts ○ apple.co/4izThbC Amazon Music ○ amzn.to/41RVTfz Anchor ○ bit.ly/4hufmY9 YouTube ○ bit.ly/3QZl2i8 🔗 Follow us for more blockchain insights LinkedIn ○ bit.ly/3DsSNp3 Twitter ○ bit.ly/4iCKhCB YouTube ○ bit.ly/3QZl2i8 Medium ○ bit.ly/3R16Mp2 GitHub ○ github.com/appliedblockchain/ Linktree ○ linktr.ee/appblockchain Thank you for tuning in, Applied Blockchain, appliedblockchain.com ○ silentdata.com ⚠️ Disclaimer This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.

Katie Evans from Swarm: Tokenizing Real-World Assets and Bridging TradFi with DeFi

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Katie Evans, Chief Business Development & Communications Officer at Swarm, about tokenising real-world assets with blockchain. Swarm, a platform at the forefront of bridging TradFi and DeFi, enables the digitisation and trading of assets with features like instant settlement and self-custody. Katie highlights Swarm’s leadership in digitising and trading assets, bridging TradFi and DeFi through instant settlement, and self-custody. They also discuss regulatory shifts, community governance via Swarm’s SMT token and DAO, and the future of DeFi lending with tokenised assets. This podcast is brought to you by ⁠⁠⁠⁠⁠⁠⁠Applied Blockchain⁠⁠⁠⁠⁠⁠⁠, a Blockchain development company that is shaping the future of Blockchain and Web3. Resources: DL News Bankless Podcast _______________________________________________________________ This podcast is brought to you by ⁠⁠⁠⁠⁠⁠⁠Applied Blockchain⁠⁠⁠⁠⁠⁠⁠, a blockchain development company that is shaping the future of blockchain and web3. This podcast is available on: ⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Amazon Music⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Anchor⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠ Stay tuned! Follow us on: ⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Medium⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Linktree⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Github⁠⁠⁠⁠⁠⁠⁠ _______________________________________________________________ Disclaimer: Not financial or tax advice. This channel is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Talk to your accountant. Do your own research.

Ron Bodkin from ChainML: Transforming AI with Blockchain

In this episode, ⁠⁠Adi Ben-Ari⁠⁠ talks to Ron Bodkin, founder and CEO of @chainml about the positive convergence of AI and blockchain technologies. Ron draws on his extensive experience with AI, from pioneering large-scale machine learning systems to leading ChainML’s development of innovative AI agents. He highlights the transformative potential of large language models and the revolutionary impact AI agents are having across industries. Ron explores the future of collaboration between AI and Web3, emphasising the importance of decentralisation, and explains how ChainML is building the infrastructure for an open, decentralised ecosystem of specialised AI agents.ChainML is an AI research and development company that focuses on creating a better future with AI agents. Their flagship product, Council Analytics, offers a generative AI-powered platform that provides conversational analytics through API integration, enabling seamless and secure talk-to-data experiences in software applications. Built on the open-source Council framework, ChainML is leading innovation in the world of AI agents, aiming to revolutionize data analytics and end-user experiences. This podcast is brought to you by ⁠⁠⁠⁠⁠⁠Applied Blockchain⁠⁠⁠⁠⁠⁠, a Blockchain development company that is shaping the future of Blockchain and Web3. Resources: Podcast: Dwarkesh Patel This Podcast is available on: ⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Amazon Music⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Anchor⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠ Stay tuned! Follow us on: ⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Medium⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Linktree⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Github⁠⁠⁠⁠⁠⁠ ---------- Disclaimer: Not financial or tax advice. This channel is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Talk to your accountant. Do your own research.

Simon Jones from Baanx: Revolutionizing Payments with Blockchain Technology

In this episode, ⁠Adi Ben-Ari⁠ sits down with Simon Jones, Chief Commercial Officer at Baanx to explore the transformative power of blockchain in financial services.Simon shares his journey from finance to marketing to his current position at Baanx, highlighting the inefficiencies in legacy banking systems and the potential of blockchain to overhaul these processes.Baanx is a leader in custodial and non-custodial crypto payments, partnering with market leaders like Ledger, 1 inch, and MetaMask. Their technology enables users to spend directly from self-custody without locking funds. In collaboration with Mastercard, Baanx developed fully on-chain Web3 cards, providing seamless access to crypto for over 500,000 users across 32 countries, with plans to expand into the US and Latin America by the end of 2024. This podcast is brought to you by ⁠⁠⁠⁠⁠Applied Blockchain⁠⁠⁠⁠⁠, a Blockchain development company that is shaping the future of Blockchain and Web3. Resources: Books A People's Tragedy Flash Boys The Whale This Podcast is available on: ⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Amazon Music⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Anchor⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠ Stay tuned! Follow us on: ⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Medium⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Linktree⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Github⁠⁠⁠⁠⁠ ---------- Disclaimer: Not financial or tax advice. This channel is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Talk to your accountant. Do your own research.