Singapore battles dirty money from scam farms buff.ly/kNS9ldD "Singapore’s vulnerability this time around has been digital currencies"

Guns don't kill people...

Important piece from Bruce Schneier… Agentic AI’s OODA Loop Problem buff.ly/0ntqD1n "The fundamental problem is that AI must compress reality into model-legible forms. In this setting, adversaries can exploit the compression. They don’t have to attack the territory; they can attack the map."

If the police call me up and tell me that criminals are accessing my bank account and stealing my money, I will politely remind them that the criminals are accessing the bank’s money and I could not care less. www.bbc.co.uk/sounds/play/...

Friday 14 November, 2025 buff.ly/69MkSqi \ "'Can we have a rule,' Dave wrote, “that AI bots must by default behave like a computer?'" Thank you for your co-operation, the computer is your friend,

New on the not-a-newsletter "In the future, everyone will be famous for 15MB"... I Won't Use Stablecoins, Nor Will You. But We Don't Matter ($$$) buff.ly/4AnHuM8 Perhaps one day I will pay at the supermarket with stablecoins, but I doubt I will either know or care.

Well, I certainly won’t forget Future Identity Festival in a hurry #FID

State of Crypto 2025: The year crypto went mainstream buff.ly/Wtze5z5 "Roughly $750 billion in bitcoin sits in addresses vulnerable to future quantum attacks"

New on Forbes... Stablecoin Strategy buff.ly/FDxi2li If the Chinese Communist Party can show us something about strategy, then I am tempted to summarise their long-term view as being that stablecoins have a limited role but digital assets will form the basis of new kinds of financial markets.

#FID hot topic, great panel with Emma, Jon, Kirsty, Jamie and Willem - what does identity verification mean for agents? #KYA is critical to the evolution of commerce.

Exclusive | Visa and Mastercard Near Deal With Merchants That Would Change Rewards Landscape

Why won’t the chancellor listen to the experts (and me). Abolish stamp duty, abolish business rates and bring in a 1% land value tax while reducing corporation tax to 10%. And while they are at it, they can scrap half of the dogs breakfast of a tax code.

For my coffee break this morning I was reading some more of Rachel O'Dwyer's excellent book "Tokens: The Future of Money in the Age of the Platform" and I came across my favourite subject: me.

Hello from Woking.

Scatchamagowza!

New on the not-a-newsletter... The Key Questions in Agentic Commerce buff.ly/KB6fO8S The news that Amazon is suing Perplexity brings to the fore the growing tension between companies providing agentic AIs and companies that provide products and services.

Wednesday night lights COME ON YOU CARDS

Fascinating conversation between Simon Taylor of Tempo and Zac Abrams of Bridge. Stablecoins are mainstream (for fintech people, not in the real world*) * See first comment

Lots of interesting panels today! Now listening to Alexandra Edmonds, Simon Taylor, Hugo Hasan, Andy Sacre and Mark Titmarsh. Personally I think financial services is looking at a revolution, not because of what companies do with AI but because of what consumers do with AI.

The metaverse is rewriting the rules of who can be a K-pop star

Good morning London. #Tokenisation

New on Forbes: Cybersecurity Is A Digital Identity Problem And We Must Deal With It buff.ly/7QAP0xP The UK’s National Cyber Security Centre (NCSC) has just published its annual review for 2025. Central to its recommendations is the issue of digital identity.

Autonomous Risk buff.ly/mbCHyxW "The result is a collision between two incompatible systems. Legacy fraud detection flags legitimate agent transactions while missing entirely new attack vectors it wasn’t designed to recognize." Spot on.

Academics in Assyria in the 7th c BC complain that admin is preventing them from doing research and teaching

Good morning fellow taxpayers. How HS2 built a bridge to nowhere buff.ly/FjMOySt

I suppose that technically it was a best selling book. Or I suppose you could call it a masterpiece of world literature held by many to be the greatest novel ever written.

Atmospheric, imaginative and thought-provoking Don't miss it.

Help Protect Yourself From Social Media Scams buff.ly/bb9B53s "For your protection, Chase will not allow you to send Zelle® payments identified as originating from contact through social media"

Well @dianecoyle1859.bsky.social is very persuasive. Ordered.

Meet the real screen addicts: the elderly buff.ly/Lygo8LD "giving up Facebook led to modest improvements in mental health for users of all ages. The beneficial effect was more than twice as large in the older half of their volunteer group as it was among the younger ones."

Stop worrying a kids on the internet.

Eurosystem moving to next phase of digital euro project buff.ly/olnBuxj "If legislation in place in the course of 2026, a pilot exercise could start in 2027 and the Eurosystem should be ready for a potential first issuance of the digital euro during 2029"

New on the not-a-newsletter "In the future, everyone will be famous for 15Mb"... Quantum Computers will Steal Your Bitcoin buff.ly/GzwYuC2 It looks like having a quantum computer steal cryptocurrency will be a minor inconvenience when compared to having a quantum computer steal thoughts.

At last! Someone finally comes up decent conference swag! Thanks #Veritran !!

#Money2020USA taking a few minutes out to learn about Stripe’s agentic commerce products #AgentCommerceProtocol #SharedPaymentTokens

New on Forbes : The Shift ToAgentic Finance Has Serious Implications For Banks buff.ly/5m8XdEN The industry is going to be shaped by what customers do with AI, not by what banks do with AI.

#Money2020USA great to see Joanne Dewar picking up the Diamond Award for Project Nemo. Sincere well done!

#Money2020USA Jennifer Bailey from Apple ~”identity will be a long journey but it’s the most important one”

#Money2020USA listening to Jennifer Bailey from Apple talking about redefining travel.

Meanwhile, at #Money2020USA, I’m in the Virtual Wallet Wars session led by Kimberly Sutherland with Rodger Desai from Prove and Serge Elking from Paze.

OK, here we go. Money20/20 is here again. Good morning Vegas !! Status Report: +$50

New on the not-a-newsletter... Fintech On The Front Line buff.ly/oSNKFGG Adam Anderson, writing in 1787, said that the defeating of the Spanish Armada “does equal honour to commerce“. Let us hope that victory in the coming cyberwar will do equal honour to fintech!

Goodness me, have these people never heard of Bitcoin?

As the curtain rises on our final production of 2025 — marking our 19th extraordinary year — we pause to extend a tremendous thank you to our 2025 Premier Sponsor, Chapters Financial Limited. Your unwavering support has been the heartbeat of our stage and the spark behind our creative spirit.

New on Forbes: Stablecoins Will Change Payments, But Will Change Banking Even More buff.ly/Mgh76dM Stablecoins are a trigger for a wider rethink of institutional structures dating from a previous age.

Here's an interesting number... Walmart partners with OpenAI for ChatGPT shopping feature buff.ly/8ZGlolM "About 15% of total referral traffic for Walmart in September was from ChatGPT, up from 9.5% in August"

This is what social media is for. Lovely.

Divining the Witch of York: Propaganda and Prophecy buff.ly/JP3bOMG " “The prophet is, first and foremost, a media phenomenon"

I often wonder why politicians go on about the fishing industry when it employs so few people.

New on the not-a-newsletter... Layers and Layers buff.ly/XntBZ9T In this world, the next-generation financial market infrastructure of distributed ledgers, tokens and protocols will in essence become critical national infrastructure. Can this really be provided by Circle or Stripe?