Digital Bearer Banking

The financial services industry is rapidly transforming to embrace a 
Digital Asset Economy.

We believe Digital Bearer Banking is here to stay.

This is the next Internet moment for Banking.

Clients are demanding access now.

New Business Models, Processes, Infrastructure, Products,
Asset classes, Regulations are all emerging.  

Where are you in this revolution?

What is your Digital Bearer Banking strategy? 

What is Digital Bearing Banking

Blockchain technology enables a new banking model.

It allows the creation and transfer of assets instantaneously between participants – imagine Apple-Pay or Faster Payments for any, and every existing and imaginable asset. 

Assets recorded on a blockchain are called digital assets.

These assets are effectively bearer – the value belongs to the owner – the bearer – it's not physical, it is digital. However, they can also be linked to a physical asset. 

Traditional and new assets are being "tokenized" into digital bearer format. A token is a digital representation of the asset. 

The digital asset/token may link to a real "physical" asset like a share or money, but could also relate to a new asset like cryptocurrency, Bitcoin or a Non Fungible Token [NFT].

Blockchain technology enables digital assets to be created and transferred from bearer to bearer.

This is Digital Bearer Banking - a new way of 'banking' 

…

But do we need banks? 

"The World needs banking, but it does not need banks." 

– Bill Gates

…

Two distinct approaches are evolving:

1/ In the Decentralized Finance [DeFi] world – 'the Wild West' - the revolution is to empower Clients to manage their digital bearer assets.

No central authority tells them what to do or protects them. It's a democratic eco-system.

2/ In the regulated world, the big boys and girls are learning fast – they want banks to play a critical role.

They are building / partnering / developing infrastructure to stay relevant. 

They want to be Digital Bearer Banks and serve the digital asset needs of their clients.

They must, or else they will be left behind.

Digital Strategy Advice

We published our first book on Blockchain back in 2019.

And how the world has changed! NFTs were just emerging, Crypto was a dirty term and CBDCs were just an idea.

You don’t need to be an engineer, a cryptographic genius nor a ‘miner' to embrace the digital asset economy.

You do need to understand how this new eco-system needs to work to be safe for all participants and the impact it will have on today's business models.

The crypto warriors and the blockchain purists hate the drive for formalisation and regulation and they really don’t know nor care about what they don’t know - including say leverage, AML, credit, operational risk, business resilience, servicing clients and the list goes on.

We seek to bridge this every evolving and enlarging gap.

We help explain the principles of :

– Distributed ledgers and blockchain fundamentals

– The practice of cryptography and the critical concepts that relate to this technology namely cryptographic hashing, public key encryption and cryptographic authentication or digital signatures

– Digital identities

– Smart contract and Oracles

– Digital assets - including the plethora of cryptocurrencies ranging.

From consensus crypto currencies to stable coins or CBDCs, digital tokens, the process of tokenisation, NFTs and the drivers of value both inherent (“airdrops" / entitlements etc) vs. capital gains of digital (traditional and emerging) assets linked to real physicals

– Digital asset infrastructure including the exchanges, custodians, wallets (hot and cold)

– The regulator lenses

The list is increasing but so what

Much more importantly, we explain why these matter, and the basics of the IMPACT that this new Digital Bearer eco-system will have on

1/ Business Models
2/ Asset Classes
3/ Infrastructure
4/ Revenues
5/ Clients

And how Digital Bearer Banking is evolving and how to be relevant in this new Digital Asset Economy

Bridging The Gap