The main argument of the essay is that, in order to really become a mainstream product, DeFi lending will have to expand across two main dimensions: reputation and real world assets.
DeFi Lending 2.0: Reputation & Real World Assets
D
A lending stack: merging DeFi with Traditional Finance
A
Last year, I wrote a post defining the most important component of a banking stack. This post is the complement to that one, and i describes the core elements of a modern lending stack, adding some new DeFi pieces to the architecture.
Compound, the DeFi money market
C
Compound is a money market protocol that allows users to lend and borrow crypto-assets in a global, permission-less, transparent and very rapid way, without a middleman.
The post presents an analysis of the protocol's main logics and its position in the DeFi Space.
What if a crypto currency becomes the mainstream payment method?
W
What if a crypto currency or a native digital currency becomes the mainstream payment method?
The post investigate the scenario of a digital currency becoming the main mean of payment and its implications on the wider financial ecosystem.
Core Banking 101
C
The deck presents the main elements of a core banking solution, its history and some guidance on the make vs buy choice of this solution.
A tale of two ecosystems: Square 10K
A
Starting from latest Square 10K, I investigate the dual nature of this business, analysing the 2 ecosystems that Square built: merchant and consumer.
How tokens could revolutionise the creators economy
H
A post on the impact on artists' financial life of a new token-based economy.
My thesis is that the sector’s structure and dynamics will be completely reshaped by the tokenization of the creators' revenue stream and their sale to a plethora of investors/fans. And that this model will be potentially applicable to other categories
The Apple moment for financial services
T
The argument of this post is that the Apple moment for financial services is coming and a new generation of fintech startups, built on engagement and coolness factor, is emerging very rapidly.
Beyonce and Monet: the first mass market app for DeFi
B
Over the last few months, the Decentralized Finance ecosystem has grown at an impressive pace: every single metric you can look at shows double digits growth on a month by month basis. DeFi Users over time – source: Dune Analytics This is a great achievement, but it is a fact that so far speculation or high risk financial incentives have been the main adoption drivers for Defi (and the...
The Amazonization of retail payments
T
The phenomenon of “Amazonization” refers to the wholesale disruption occurring across retail and eCommerce thanks to the leviathan-like presence of Amazon.com. Considering the platform shift happening in the retail payment space, I believe the same phenomenon of ‘Amazonization’ that happened to eCommerce will eventually happen to the retail Payments space. In this post you will find an...