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RWA

RWA (Real World Assets) refers to the tokenization of tangible assets—such as real estate, private credit, and government bonds—on the blockchain. By bringing traditional financial instruments on-chain, RWA protocols like Ondo and Centrifuge provide DeFi users with stable, real-yield opportunities. In 2026, the RWA sector is a multi-trillion-dollar bridge between TradFi and DeFi, enabling fractional ownership and global liquidity for previously illiquid assets. Follow this tag for insights into on-chain credit markets, regulatory compliance, and asset-backed security innovations.

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Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
The Top 5 Crypto Coins That Could Explode by 2026

The Top 5 Crypto Coins That Could Explode by 2026

The crypto market never sleeps, and the next bull run might already be warming up. Here are five digital assets with real potential to shape the future and maybe your portfolio. Imagine this: Back in 2011, you skipped Bitcoin, and in 2016, you laughed at Ethereum. Fast forward, those “fads” turned into empires. Now 2026 could be the same kind of turning point, if you’re paying attention. Here are five crypto projects worth keeping an eye on for the next big wave. 5. Ethereum (ETH) Ethereum has had its share of growing pains: High gas fees, network congestion, and countless “Ethereum killers” trying to take its crown. Yet, it’s still here, still leading, and still evolving. With Ethereum 2.0 upgrades fully underway and Layer 2 solutions like Arbitrum and Optimism scaling the ecosystem, ETH could remain the backbone of decentralized finance, gaming, and NFT’s well into 2026. If you believe in Web3, Ethereum is still the safest bet outside of Bitcoin. 4. Solana (SOL) After the 2022 crash, many people wrote Solana off as a failed experiment. But the truth is, Solana’s speed and ultra-low fees have attracted developers back in droves. Its ecosystem is thriving with DeFi projects, NFT marketplaces, and even serious moves into payments. If Solana can maintain stability and avoid the outages that haunted it in the past, it has all the ingredients to be a major contender against Ethereum by 2026. 3. Chainlink Chainlink doesn’t always get the hype it deserves, but it quietly powers much of the crypto world. As the leading decentralized oracle network, Chainlink connects smart contracts to real-world data, think stock prices, weather reports, or sports scores.Why does this matter? Because without data feeds, most DeFi apps can’t function. With the rise of tokenized real-world assets, Chainlink could become more essential than ever by 2026. 2. Polkadot (DOT) One of the biggest problems in crypto today is fragmentation. Different blockchains can’t easily talk to each other. That’s where Polkadot comes in. Founded by Ethereum co-founder Gavin Wood, Polkadot’s mission is to connect blockchains into one seamless ecosystem. By 2026, as adoption grows, interoperability will be a huge deal, and DOT could be a key player in making it possible.

  1. Bitcoin (BTC) — The Digital Gold Standard Of course, no top-five list is complete without Bitcoin. While Bitcoin may not be as “exciting” as newer projects, it remains the most trusted, battle-tested, and widely adopted cryptocurrency. With institutional adoption growing and more countries exploring Bitcoin as legal tender, BTC will likely remain the anchor of the entire crypto market. And as history shows, when Bitcoin moves, the whole market follows. Final Thoughts Nobody has a crystal ball, and the crypto world is unpredictable. But what we can do is look at fundamentals, adoption, and long-term vision. Ethereum, Solana, Chainlink, Polkadot, and Bitcoin all check those boxes in their own way. If you’re serious about crypto, tracking your moves is just as important as making them. Stay smart, stay safe, and never invest what you can’t afford to lose. If you want to invest in the crypto market and track your trades safely, click the link below and get a free $15 bonus when you sign up to TradingView. Join TradingView — Daily Crypto Invest Disclaimer: “This is an affiliate link, which means I may earn a small commission at no extra cost to you.”
The Top 5 Crypto Coins That Could Explode by 2026 was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/09/02

Pioneering Blockchain Innovation with IBVM and Dubai’s Crypto Ecosystem

Pioneering Blockchain Innovation with IBVM and Dubai’s Crypto Ecosystem

Under my leadership, the Institute of Blockchain and Virtual Markets (IBVM) has been at the forefront of revolutionizing the digital…Continue reading on Coinmonks »

Author: Medium

2025/09/02

Forget Stablecoins, Fiat Is the Real Scam: Surviving EM Currency Snaps with Bitcoin and Beyond

Forget Stablecoins, Fiat Is the Real Scam: Surviving EM Currency Snaps with Bitcoin and Beyond

Forget Stablecoins, Fiat Is the Real Scam: Surviving EM Currency Snaps with Bitcoin and BeyondPhoto by Sunday Abegunde on Unsplash Hello Crypto Trailblazers, You’re chilling with your morning smoothie or maybe burning the midnight oil over a coding session, when you catch wind of the Nigerian naira trading at a staggering 1,535 per USD, scraping its 52-week lows like a crypto token in a bear market freefall. It’s a gut punch, right? If you’re thinking, “I’m safe in my DeFi bubble, no worries,” pump the brakes. If your income, suppliers, or even your NFT collectors are tied to emerging market (EM) currencies, this is your wake-up call. Currency slides in places like Nigeria don’t just drift downward like a lazy river. They snap, like a rubber band stretched too far, then spiral into a chaotic cascade that wrecks prices, erodes wages, and obliterates savings faster than a scam coin’s rug pull. For our crypto crew, this isn’t just news; it’s a signal to act, because those ripples can hit your wallet, your operations, or your decentralized dreams harder than a 51% attack. I’m not here to spook you, but to arm you with the knowledge and tools to surf these waves like a pro. Whether you’re a Bitcoin HODLer, a DeFi yield farmer, a DAO contributor, or just someone dabbling in cross-border crypto trades, EM currency volatility is a beast you need to tame. Let’s dive deep into what’s happening, share some real-world stories, and map out how to protect your stack when fiat currencies start acting like memecoins gone wrong. Plus, I’ll throw in some extra context on why this matters for our global crypto community and how you can stay ahead of the game. The Naira’s Nosedive: A Case Study in Fiat Fragility Let’s zoom in on Nigeria, where the naira’s been on a wild ride, hitting 1,535 against the dollar and flirting with historic lows. Inflation’s clocking in at a brutal 34%, driven by a mix of skyrocketing import costs, policy hiccups, and global economic headwinds. This isn’t just a stat; it’s a reality check for anyone whose business or investments touch Nigeria’s economy. Maybe you’re a Web3 founder hiring Nigerian developers, paying them in USD through a crypto wallet, only to hear they’re struggling because their local costs are exploding. Or perhaps you’re running a remittance service, and your Nigerian users are watching their naira payouts buy less groceries each week. If you’re trading on a decentralized exchange with liquidity pools tied to EM economies or backing blockchain startups in Africa, these currency swings can turn your sweet 15% APY into a bitter 20% loss before you can say “gas fees.” This isn’t unique to Nigeria. We’ve seen this movie play out in Argentina, where the peso’s been in a death spiral, or Turkey, where the lira’s taken a beating, or Venezuela, where the bolívar’s worth less than the paper it’s printed on. Emerging market currencies don’t just trend downward like a stock chart with a bad earnings report. They snap under pressure, whether it’s from central bank missteps, capital fleeing to safer havens, or global shocks like oil price spikes. Once that snap happens, the cascade kicks in: import prices soar, local businesses jack up costs, wages lose purchasing power, and savings? They’re toast, like a wallet drained by a phishing scam. For anyone in the crypto space with exposure to these markets, whether through suppliers, clients, or investments, ignoring this is like leaving your private keys on a sticky note. Why Crypto Folks Should Care If you’ve been in crypto for more than a hot minute, you’re used to volatility. Price pumps, dumps, and sideways action are just part of the game. But EM currency slides add a layer of fiat chaos that can mess with even the tightest blockchain strategies. Think about it: Bitcoin was born from the ashes of the 2008 financial crisis, a middle finger to centralized monetary systems that keep printing money like it’s going out of style. Fast forward to 2025, and stablecoins like USDC or USDT are lifelines for millions in EMs, letting people preserve value when their local currency’s in freefall. Nigeria’s a prime example, with crypto adoption skyrocketing as folks swap naira for Bitcoin or stables to protect their wealth. The data backs this up: Nigeria’s one of the top countries globally for crypto transaction volume per capita, and it’s no surprise why. When fiat fails, crypto steps up. But here’s the flip side. If you’re on the sending end, say, a crypto fund investing in African blockchain projects or a dev team paying EM-based talent, these currency snaps can hit you hard. Your dollar-based payouts might seem stable, but your partners’ costs are ballooning, squeezing their margins or forcing you to renegotiate. If you’re running a DAO with global contributors or trading in liquidity pools with EM exposure, those naira-to-dollar swings can erode your returns faster than a flash crash. I’ve heard stories from crypto friends who got burned when they didn’t hedge their EM exposure, like one dev who paid Nigerian freelancers in USD but lost big when their local costs forced a 30% rate hike. Another buddy running a remittance app saw his Nigerian user base shrink because payouts couldn’t keep up with inflation. These aren’t hypotheticals; they’re real risks we face in this borderless crypto world. Your Crypto Hedge Playbook: Stay Ahead of the Snap Alright, let’s get to the good stuff: how to protect your bag when EM currencies start wobbling. Crypto’s our superpower here, built to outmaneuver fiat’s fragility. Here’s a playbook tailored for our community of builders, traders, and dreamers: Stack Bitcoin Like It’s Digital Gold: Bitcoin’s fixed supply is your shield against fiat devaluation. When currencies like the naira tank, BTC’s scarcity makes it a rock-solid store of value. Same goes for Ethereum, with its DeFi and NFT utility. If you’ve got naira or other EM currencies in your orbit, swap some for BTC or ETH to lock in value before the next snap. Stablecoins to the Rescue: USDC or USDT on fast, cheap networks like Solana or Polygon are your go-to for dodging FX volatility. Paying suppliers in Nigeria? Invoice in stables to keep things predictable. Your partners get stability, you avoid currency conversion headaches, and everyone sleeps better. I’ve seen startups save thousands by switching to USDC for cross-border payments. DeFi: Work Hard, Yield Harder: Got capital exposed to EM markets? Put it to work in DeFi. Lend USDC on protocols like Aave or Compound for steady yields, or explore options markets on dYdX to bet against further EM currency drops. Want to get fancy? Look into tokenized real-world assets from EM regions, but only if they’re backed by diversified collateral to avoid counterparty risk. A friend of mine doubled his returns by lending stables while hedging with ETH calls during a currency dip. Streamline Cross-Border Flows: If your business involves sending money to EMs, use crypto-native solutions like Stellar for fast, low-cost transfers. Local platforms in Nigeria, like BuyCoins or Bundle, can bridge naira to crypto smoothly, letting your partners convert at the best rates without bank fees eating their lunch. This is a game-changer for remittances or payroll. Stay Sharp with On-Chain Intel: Use analytics platforms like Dune or Nansen to track wallet flows from EM regions. A sudden spike in stablecoin deposits often signals a currency crisis brewing. Set alerts, monitor trends, and move your funds before the cascade hits. One trader I know saved his portfolio by spotting a USDT inflow surge from Nigeria and hedging early. This isn’t financial advice, so do your own research, but these strategies are battle-tested by crypto OGs who’ve navigated fiat storms before. The beauty of crypto is its permissionless nature, letting us move faster than the bureaucrats who tanked the naira in the first place. Crypto’s Role in EM Resilience Let’s zoom out. Nigeria’s naira drama is just one chapter in a global story. Similar currency woes in Egypt, Pakistan, and beyond are pushing people toward crypto as a lifeline. In these markets, blockchain isn’t just tech; it’s a survival tool. When local currencies lose trust, Bitcoin, Ethereum, and stables become the people’s money, bypassing banks and borders. Ethereum’s upgrades, like the Merge anniversaries, keep making it a powerhouse for EM adoption, with layer-2 solutions like Arbitrum slashing fees for users in high-inflation zones. Meanwhile, Nigeria’s own eNaira, a central bank digital currency, is trying to keep up, but it’s tethered to the naira’s shaky foundation, while true crypto runs free and untamed. This is why we’re in crypto, right? To build a world where centralized failures don’t dictate our financial freedom. I think of folks I’ve met in the community, like a Nigerian artist who turned his NFT sales into USDC to buy a house, or a dev in Argentina who escaped peso inflation by HODLing BTC. These stories remind us that crypto isn’t just about profits; it’s about empowerment. If you’re exposed to EM currencies, whether through business, investments, or personal ties, don’t wait for the next snap to hit. Hedge now, build redundancies, and keep your eyes on the blockchain horizon. A Personal Note from Your Sidekick I got into this crypto journey because I saw what fiat chaos did to real people, from friends in Zimbabwe who lost everything to inflation, to family in Lebanon whose savings evaporated. Those who got into crypto early? They’re still standing, some even thriving. If you’re reading this and you’ve got ties to EM markets, take it from me: don’t sleep on this. Hedge your exposure, diversify your stack, and lean into the tools that make crypto so powerful. Got a story about dodging a currency crisis with crypto? I’d love to hear it, so hit reply and share your tale. Stay decentralized, stay unstoppable, Crypto Circuit P.S. Digging these newsletters? Subscribe for free weekly drops packed with crypto insights and global vibes. No fluff, just the real stuff. And if you’re in Nigeria or another EM, you’re the heart of this revolution, keep pushing the boundaries of what’s possible. Forget Stablecoins, Fiat Is the Real Scam: Surviving EM Currency Snaps with Bitcoin and Beyond was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/09/02

The Fiat Algorithm: How Broken Money Programs the Economy to Exploit

The Fiat Algorithm: How Broken Money Programs the Economy to Exploit

The world runs on fiat money — and it’s hardwired to sell our future at a discount TL;DR: The article uses a cash flow analysis to demonstrate how inflationary fiat money distorts economic incentives. It compares two companies: Company A, which focuses on long-term sustainable practices, and Company B, which maximises short-term profits through unsustainable methods. Using a 7% annual discount rate (reflecting money’s depreciation), the present value of Company B’s earnings is higher than Company A’s, despite both generating the same total earnings over 15 years. This shows how debasement rewards short-termism. In contrast, under a deflationary “hard money” system (where money appreciates at 5% annually), the analysis flips: Company A’s long-term earnings are valued higher, incentivising sustainability. The article shows that inflation-driven discounting punishes future-oriented investments, while deflation aligns profitability with sustainability by naturally rewarding long-term value creation. Today, we live under an inflationary economic framework. In simple terms, this means that whatever deflationary forces are created by productivity growth, they must be offset by inflationary forces (monetary expansion) to achieve net positive inflation (aka the inflation target).In an inflationary economy, natural deflation (caused by productivity growth) must be offset by an inflationary force to achieve the inflation target. This is a structural reality: if we fail to do this, the real value of debt will rise, ultimately causing the current economy to collapse under its own weight. This is because the entire system is highly leveraged — with approximately $3-4 of debt existing for every $1 of actual value globally.* To generate the required inflationary force, the type of money we use is continuously debased — diluted through the creation of more units — which results in a consistent loss of purchasing power. In practical terms, this means that every dollar today will buy you fewer goods and services next year, and even less the year after. The act of debasing money is referred to as “monetary expansion” or “monetary inflation”. This debasement can lead to price inflation (which ultimately is the goal in aggregate)— where prices rise, as measured by the Consumer Price Index — or it can simply suppress prices from falling. Advocates of this system argue that monetary expansion — frequently referred to as “stimulating the economy” — is a prerequisite for achieving any productivity growth in the first place. This gets the causal arrows exactly backwards. Productivity growth does not come from stimulating the economy with money; it comes from tinkering, trial and error, and real human ingenuity. The surplus created by innovation then gives us the optionality of what to do with it: consume it, save it, or reinvest it. To confuse money creation with productivity creation is like confusing the scoreboard with the game. You don’t win a football match by changing the numbers on the scoreboard (that’s called cheating); you win by playing the game better — which then changes the scoreboard as a consequence. The problem is that, once you accept this flawed causality, policymakers keep making sure there is always plenty of money floating around — far more claims on goods than actual goods to buy. When someone then tries to “tighten” that money supply, the economy feels pain in the short term. That pain is then used as proof that stimulating the economy is necessary — when in reality it only proves how backward everything is. In this piece, we will delve into the potential long-term benefits of an alternative system and examine how the continuous debasement of money fundamentally distorts the economy’s incentive structures, driving overconsumption, waste, and practices that not only threaten social cohesion but also the planet itself. We will explore why monetary debasement not only encourages unethical behaviors but is, in fact, indistinguishable from it. We will show how the “fiat algorithm” — the built-in rule that money must constantly lose value — programs the economy and all its participants to exploit. Fiat money — depreciating in purchasing power To illustrate, we’ll use the U.S. dollar, the world’s reserve currency, as a template for this exercise. The U.S. dollar is the most widely used currency globally and also one of the least inflationary. Like most international currencies, it is “fiat money”, meaning it is issued at the discretion of the government with nothing with no inherent constraints. Over the past 100 years, the dollar has expanded at an average annual rate of approximately 7%**, resulting in a halving of its purchasing power roughly every eight years. This rate of expansion has been deemed necessary to achieve a target of 2% net positive inflation, as visualised in the previous graph. Without these inflationary measures, the dollar’s purchasing power would have naturally appreciated over the same period. Later, we will explore what such appreciation could mean for the economy. For now, though, the analysis that follows will compare a type of money similar to the one we use today — one that is continuously devalued — and examine the incentive structures it creates. Cash Flow Analysis In finance, determining the value of a company involves estimating the present value of its future cash flows. Simply put, this means projecting the company’s future earnings and calculating what those earnings are worth today. This process relies on discounting, which adjusts future earnings to reflect their value in today’s terms. This adjustment accounts for the time value of money —the principle that a dollar today may hold a different value compared to a dollar in the future, due to factors such as monetary debasement. To make this adjustment, companies and investors use what’s known as a discount rate, which reflects the degree to which future earnings are valued today. As we will see, the higher the discount rate, the more heavily the future is discounted, meaning future cash flows are valued less in today’s terms. Conversely, a lower discount rate — or even a negative one — assigns more value to those future cash flows. While the anticipation of those future earning is an art and highly subjective — relying on assumptions about market trends, competition, and other factors — the ultimate objective remains consistent. To illustrate how the type of money we use — one that is continuously depreciating in value — strongly shapes those assessments and, consequently, the types of behaviors that are rewarded, we will compare two hypothetical companies, Company A and Company B. In this simplified example, both companies generate the same total earnings over a 15-year period, but the distribution of these earnings differ due to variations in their business practices. Let’s delve in. Company A— Maximises Long Term, Sustainable Practices This company template is designed to illustrate a business model — such as a farming enterprise — focused on long-term, sustainable growth.Linear earnings distribution, weighted to the right. Practices: Organic farming methods without synthetic chemicals. Crop rotation and natural pest control to maintain biodiversity and soil integrity. Soil enrichment through composting and conservation techniques to enhance fertility and long-term productivity. Earnings Profile: Linear earnings distribution, weighted to the right, reflecting gradual growth as sustainable investments yield increasing returns over time. Consequences: Gradual increases in yield as sustainable practices improve soil health. Long-term productivity is secured, preserving resources for future generations. Company B— Maximises Short-Term, Unsustainable Practices This company template is designed to illustrate a business model — such as an intensive farming operation — focused on short-term profit maximisation, prioritising immediate gains at the expense of long-term sustainability.Linear earnings distribution, weighted to the left. Business Model: Focuses on short-term profits through intensive and exploitative methods that deplete natural resources without regard for long-term viability. Earnings Profile: Linear earnings distribution, weighted to the left, reflecting high initial profits that steadily decline as the consequences of unsustainable practices gradually deplete the soil. Practices: Heavy reliance on pesticides and chemical fertilisers to artificially boost short-term yields. Continuous cropping with little allowance for soil recovery or replenishment. Consequences: Accelerated soil degradation and environmental damage, including significant harm to local ecosystems and loss of biodiversity. Over time, the land becomes increasingly infertile, rendering it unusable by the end of 15 years. This leads to the collapse of the business and nothing for future generations to build upon. Case Study: Cash Flow Analysis with Depreciating Money When we conduct a simple cash flow analysis on these two companies, using the previously mentioned discount rate of 7% annually — a rate that reflects the depreciation of the dollar — the results reveal the impact of a depreciating currency on their valuation:Company B’s present value of future earnings are higher than Company A’s. It’s important to note that the actual figures themselves are not what matters in this example. What matters is that both companies generate the same total earnings ($12,000) over 15 years — only distributed differently over time. Despite this identical total, the valuation method systematically favors Company B, which pursues unsustainable practices — even though it’s clear from the outset that these practices deplete the soil and undermine the long-term viability of the business. Despite achieving the same total earnings, the present value of Company A’s future earnings is only $6,155, compared to $8,417 for Company B. In other words, Company B, under the given circumstances, is likely to attract more capital than Company A. This structural bias reveals how artificial monetary expansion distorts investment incentives by heavily discounting (and effectively punishing) future earnings in favor of near-term profits. Before exploring an alternative scenario, let’s push this concept further with an even more extreme example: instead of linear earnings distribution, we’ll analyse exponential earnings distribution for both Company A and Company B.Left: Exponential earnings distribution, weighted to the right. Right: Exponential earnings distribution, weighted to the left. A simple cash flow analysis of these distribution curves yields the following results:Company B’s present value of future earnings are higher than Company A’s. In this extreme example, the bias becomes even more glaring, overwhelmingly favoring Company B. Here, Company B is ruthlessly stripping the land of every ounce of value it can extract as fast as possible, with total disregard for the long-term devastation it leaves behind. Their reckless, exploitative practices are rewarded exponentially, actively incentivising the most unsustainable and destructive behaviors imaginable. Meanwhile, a company taking the polar opposite approach — sacrificing short-term profits to prioritise long-term success through investments in research, development, or regenerative practices — is harshly penalised. Their dedication to investing in the future value is actively punished, sending a clear signal that responsible practices are economically irrational under this system. The same total earnings over the same period give Company B a present value that is nearly twice as high as Company A’s! What we can conclude is that not only are short-term profits ‘generally’ incentivised over long-term sustainable investments in an economy with a depreciating currency, but also that the more aggressive and extreme the pursuit of those short-term profits are, the greater the rewards! Now, consider how these results would look if the discount rate were even higher — as it is in most other countries around the world. The faster the currency debases, the more pronounced and magnified this effect becomes. Hard money — appreciating in purchasing power In contrast to the inflationary scenario we just explored, which reflects the economic framework we currently operate under, let us now consider an alternative economic order — one where the natural deflationary force of progress is NOT offset by artificial inflationary forces. In this alternative scenario, instead of enduring a debasement of money through an artificial inflationary force of approximately 7% annually, we imagine a hypothetical system where the purchasing power of money appreciates over time at an annual rate of 5%, driven by the naturally deflationary force of productivity growth. This appreciation means that one dollar next year would buy more goods and services than it does today — the inverse of the inflationary model. Case Study: Cash Flow Analysis with Appreciating Money Now, let’s examine how a monetary system with these deflationary properties would influence company valuations.Company A’s present value of future earnings are higher than Company B’s.Company A’s present value of future earnings are higher than Company B’s. What do you see? The incentive structures are completely reversed in this scenario. Long-term practices are not only encouraged, but the more ambitious and forward-looking the approach, the greater the compounding effect of the new discount rate. What’s even more remarkable is that this shift isn’t the result of artificially altering incentive structures through interventions. Instead, it comes from not engaging in monetary manipulation, thereby allowing the natural incentive structures of the economy to emerge. Of course, this is a simplification of the forces at play. The discount rate, for instance, is not solely constructed by the cost of capital (like the changing value of money over time); it also includes elements such as risk premiums. There is no doubt that long-term investments inherently carry more uncertainty because the further into the future we look, the harder it becomes to foresee outcomes. But it’s also true that in an economy free from excessive leverage (debt), many of the risks currently accounted for in various risk premiums would naturally diminish. For example, a less-leveraged system would be far less vulnerable to external shocks (and volatility). The origin of “growth of all cost” There are essentially two ways a company can position itself in an economy: It can be repulsive to investors — meaning it struggles to attract capital and slowly declines. It can be attractive to investors — meaning it secures funding, expands, and survives. Now, let’s take the starting point that the U.S. dollar is being debased at an annual rate of 7%. This means that any given company must grow its cash flows at a rate of at least 7% per year just to maintain its value in real terms. If a company grows at a slower rate, it is effectively shrinking in purchasing power. Over time, this leads to a slow but steady march toward bankruptcy. Why not just raise prices? At first glance, companies might attempt to offset this issue by increasing their prices by 7% each year. But in aggregate, this isn’t a sustainable solution. Why? Because prices in the economy cannot sustainably rise faster than wages, and wages cannot sustainably rise faster than actual productivity growth. But here’s the problem: Productivity growth in the economy is always lower than the rate of monetary debasement. If companies raise prices faster than wages increase, demand collapses, and they lose customers. Where does this leave us? For a company to remain competitive — that is, to avoid the slow track to bankruptcy and attract capital — it must at the very least grow at the rate of monetary debasement. Some companies can achieve this organically for a time — through innovation, market expansion, or efficiency improvements. But over the long term, no individual company — and certainly not the economy as a whole — can sustain a 7% growth rate indefinitely. Why? Because this growth rate compounds. A company growing at 7% annually must double its cash flows every 10 years just to stay even. In a single decade, the pressure to extract value and expand operations becomes exponentially harder. This relentless demand for growth forces businesses into short-term, unsustainable strategies — cost-cutting at the expense of long-term stability, financial engineering over real innovation, and resource exploitation instead of conservation. It’s not that businesses necessarily choose to operate this way. It’s that they must — because the monetary system demands it. If a company cannot grow sustainably (meaning organically) at the rate of monetary debasement, what options does it have? Go bankrupt, even if it’s otherwise a well-run business. Pursue unsustainable growth practices to keep up with the system’s demands. In a world where money constantly loses value, most businesses choose the latter. Here’s how they do it: Shrinkflation — Reducing product size while keeping the price the same, hoping consumers won’t notice. Quality degradation — Using cheaper, artificial ingredients, pesticides, or inferior materials to cut costs. Wage suppression — Keeping wages stagnant, cutting benefits, or increasing workload without compensation. Aggressive acquisitions — Larger companies buy up competitors to inflate cash flows rather than grow through real productivity. Excessive leverage — Taking on massive debt or overextending supply chains, making businesses dangerously fragile to external shocks. The race to the bottom Each of these strategies buys time but at the cost of long-term viability. There is only so much a company can shrink packaging, dilute product quality, suppress wages, or pile on debt before the cracks begin to show. And yet — this is exactly how the global economy operates today. We see ecosystems deteriorating as businesses prioritise short-term profits over sustainability. We feel the pressure of working harder for less, as wages fail to keep up with the cost of living. We experience declining product quality while corporations report record earnings. The irony is that many fail to recognise why this is happening. A system that consumes itself Monetary debasement is not just an economic issue — it’s an existential threat to all forms of capital. It programs the economy to consume and deplete: Financial capital — Purchasing power constantly goes down. Human capital — Workers squeezed to their limits, with wages lagging behind productivity. Natural capital — Resources extracted recklessly to meet short-term growth targets. Social capital — Trust and stability undermined as economic insecurity fuels division. The destruction we see around us — from environmental degradation to increasing inequality — is not an accident. It is the logical outcome of a system that forces perpetual expansion at the cost of everything else.Monetary debasement leads to the destruction of all forms of capital. The fallacy of using monetary policy to instill sustainability Faced with the very real consequences of the inflationary order — an economy that perpetually rewards short-term profits and actively depletes capital in all its forms —policymakers often make the mistake of advocating for centralised interventions that involve running a budget deficit to mitigate the harmful outputs of this system. In many cases, this takes the form of justifying money printing (further increasing the inflationary force) to fund various initiatives — such as temporary tax incentives or subsidies — to encourage companies to adopt long-term practices. This has the effect of, in a sense, ‘artificially lowering the discount rate’ by rewarding companies that engage in practices the central government deem sustainable. While such efforts may seem noble, they fail to address the systemic issues — and instead exacerbate them. Even when subsidised projects achieve success in isolation, they inadvertently redirect everyone outside the program to focus on short-term gains, intensifying the very behaviors these policies aim to correct. Instead of attempting to artificially manage sustainability through monetary manipulation, we should advocate for a neutral and incorruptible hard money system. Hard money, inherently compatible with deflation, constantly reflects economic reality, seamlessly extending the ethics of nature into our economy. It would align profitability with sustainability in ways that are currently beyond the imagination of most. Sustainability would no longer require enforcement to the same extent because the most profitable way of doing business would naturally be to pursue the most ambitious and sustainable visions. This shift would redirect the collective intelligence of 10 billion people toward the right cause: investing in tomorrow. Follow me on Twitter for more: https://x.com/PetterEnglund *https://www.iif.com/Products/Global-Debt-Monitor **https://fred.stlouisfed.org/series/M2SL The Fiat Algorithm: How Broken Money Programs the Economy to Exploit was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story

Author: Medium

2025/09/02

Dogecoin Changed Lives in 2021, These 3 Coins Hold That Power in 2025

Dogecoin Changed Lives in 2021, These 3 Coins Hold That Power in 2025

The post Dogecoin Changed Lives in 2021, These 3 Coins Hold That Power in 2025 appeared first on Coinpedia Fintech News In 2021, Dogecoin and Floki Inu gained community attention and leveraged culture to achieve hype, all while transforming lives with investment opportunities under 2,000 USD. Now, in 2025, we are witnessing the community fast forward. The next wave of meme-driven assets is rising, and investors are positioning for the best coins to buy today for …

Author: CoinPedia

2025/09/02

Abu Dhabi’s G42 Eyes AMD, Qualcomm to Diversify Beyond Nvidia for AI Campus

Abu Dhabi’s G42 Eyes AMD, Qualcomm to Diversify Beyond Nvidia for AI Campus

TLDRs; G42 seeks to diversify chip supply, considering AMD, Qualcomm, and Cerebras alongside Nvidia for its AI campus. Major U.S. tech firms, including Google, Microsoft, AWS, and Meta, are in talks to join the campus. Microsoft has already invested $1.5 billion into G42, deepening AI and cloud collaborations across global markets. The strategy underscores rising [...] The post Abu Dhabi’s G42 Eyes AMD, Qualcomm to Diversify Beyond Nvidia for AI Campus appeared first on CoinCentral.

Author: Coincentral

2025/09/02

Ethereum Moves from Holesky to Hoodi for Future Protocol Testing After Failures

Ethereum Moves from Holesky to Hoodi for Future Protocol Testing After Failures

TLDR Holesky testnet will shut down after Fusaka upgrade; developers migrate to Hoodi. Holesky faced issues during Pectra testing, leading to the launch of Hoodi testnet. The Fusaka upgrade, scheduled for November, will improve rollup data availability. Developers encouraged to use Sepolia, Ephemery, or Hoodi for ongoing testing. Ethereum’s largest testnet, Holesky, is set to [...] The post Ethereum Moves from Holesky to Hoodi for Future Protocol Testing After Failures appeared first on CoinCentral.

Author: Coincentral

2025/09/02

Futian Investment Holding Launches World’s First Public Blockchain RWA Digital Bond on Ethereum

Futian Investment Holding Launches World’s First Public Blockchain RWA Digital Bond on Ethereum

Futian Investment Holdings has successfully issued the world's first public chain real-world asset (RWA) publicly listed digital bond on the Ethereum network.

Author: Blockchainreporter

2025/09/02

Largest Testnet Holesky to Close After Fusaka Upgrade

Largest Testnet Holesky to Close After Fusaka Upgrade

The post Largest Testnet Holesky to Close After Fusaka Upgrade appeared on BitcoinEthereumNews.com. A fresh slate of Ethereum testnets is replacing Holesky, the once-massive staging ground now set for shutdown after two years of service. The wind-down will occur two weeks after the Fusaka upgrade is finalized later this year, at which point client and infrastructure teams will cease providing support. Fusaka is set to make Ethereum rollups cheaper and faster by spreading out the “data storage work” more evenly across validators. Holesky went live in 2023 to stress-test Ethereum’s proof-of-stake machinery at scale. It quickly became the largest public testnet, providing thousands of validators with a platform to trial upgrades before they were deployed on the mainnet. Major milestones, such as the Dencun and Pectra upgrades — which lowered transaction costs and upgraded validator efficiency, among other features — were run through Holesky first. However, cracks began to appear as the network aged. Holesky encountered “inactivity leaks” after Pectra’s activation in early 2025, a term referring to validators going offline in large numbers, which created a significant backlog for those attempting to exit. The result was months-long queues that made it impractical to test the full validator lifecycle. For developers needing fast feedback loops, Holesky had become more of a roadblock than a tool. That’s why Ethereum launched Hoodi in March 2025, a clean-slate testnet built to sidestep Holesky’s problems while carrying forward its role as the go-to environment for validator and staking provider testing. Alongside Hoodi, Sepolia continues to serve as the main testnet for dapps (decentralized apps) and smart contracts, while Ephemery offers quick-reset validator cycles every 28 days. Ether (ETH) was trading at $4,380 in Asian morning hours Tuesday, nearly flat over the past 24 hours. Source: https://www.coindesk.com/tech/2025/09/02/ethereum-to-close-its-largest-testnet-holesky-after-fusaka-upgrade

Author: BitcoinEthereumNews

2025/09/02

India Deep Tech: Unleashing a Billion-Dollar Era of Innovation with U.S. India Alliance

India Deep Tech: Unleashing a Billion-Dollar Era of Innovation with U.S. India Alliance

BitcoinWorld India Deep Tech: Unleashing a Billion-Dollar Era of Innovation with U.S. India Alliance The global technology landscape is constantly evolving, and for those closely watching the intersection of venture capital and emerging markets, a monumental shift is underway. In a groundbreaking move that promises to redefine the future of innovation, a powerful U.S. India Alliance has emerged, pledging over $1 billion to supercharge India Deep Tech startups. This isn’t just another investment; it’s a strategic partnership designed to address long-standing funding gaps and catalyze a new era of technological advancement in India. For cryptocurrency enthusiasts and tech investors alike, understanding this alliance is crucial, as it lays the groundwork for foundational technologies that could reshape the digital economy and beyond. Unlocking Potential: The Genesis of the U.S. India Alliance Eight prominent U.S. and Indian venture capital and private equity firms have joined forces to create the India Deep Tech Investment Alliance. This unusual coalition, featuring industry giants like Accel, Blume Ventures, Celesta Capital, and Premji Invest, has committed more than $1 billion over the next decade. Their mission? To strengthen U.S.-India tech ties and provide critical capital to India’s deep tech sector. This initiative stands out in the competitive world of venture capital, where firms typically vie for deals rather than form such a structured, long-term pact. While co-investments are common, this alliance represents a coordinated capital bloc, signaling a deeper commitment to fostering a robust deep tech ecosystem in India. The formation of this alliance is a direct response to a recognized need within the Indian startup community. Earlier this year, Indian Commerce Minister Piyush Goyal sparked debate by criticizing domestic startups for their focus on areas like food delivery, contrasting them with innovation-driven Chinese firms. Many investors and founders quickly countered, highlighting a significant lack of capital specifically for deep tech ventures in India. This alliance directly addresses those concerns, aiming to channel substantial private capital into the very areas where founders have struggled to secure long-term funding. Bridging the Gap: Why VC Funding India is Crucial for Deep Tech For years, the challenge for deep tech companies in India has been access to patient, long-term capital. Traditional VC funding India has often favored quicker returns and scalable consumer internet models. Deep tech, by its nature, requires extensive research, development, and a longer gestation period before commercialization. This alliance seeks to fill that void, providing the financial runway necessary for these ambitious ventures to thrive. The commitment of over $1 billion from these esteemed firms is not just a monetary pledge; it’s a vote of confidence in India’s potential to become a global hub for foundational technologies. The alliance members include: Celesta Capital Accel Blume Ventures Gaja Capital Ideaspring Capital Premji Invest Tenacity Ventures Venture Catalysts Each member will commit private capital over a 5- to 10-year period, focusing on Indian-domiciled deep tech startups. This long-term view is crucial for technologies that require significant upfront investment and development cycles, such as AI, semiconductors, quantum computing, and biotech. Fueling the Future: The Vision for India Deep Tech Startups The vision for India Deep Tech is ambitious: to build and export breakthrough solutions to the world. Currently, many of India’s most recognized deep tech ventures with Indian founders are incorporated in the U.S. However, New Delhi’s new Research, Development, and Innovation (RDI) scheme, a ₹1 trillion (approximately $11 billion) initiative, mandates local incorporation for incentives. This alliance aims to leverage this scheme, ensuring that the capital and innovation remain within India, fostering a stronger domestic ecosystem. The focus sectors for these investments are at the forefront of global technological advancement: Artificial Intelligence (AI) Semiconductors Space Technology Quantum Computing Robotics Biotechnology Energy and Climate Tech These areas represent critical and emerging technologies that align with the strategic interests of both India and the U.S. at the governmental level. As Arun Kumar, managing partner at Celesta Capital and inaugural chair of the alliance, noted, this initiative directly supports bilateral governmental objectives. Beyond Capital: Mentorship and Market Access for Indian Startups The alliance offers more than just financial backing. Members will provide invaluable mentorship and access to their extensive networks. This is particularly vital for early-stage Indian startups, from seed to Series B, which often lack the strategic guidance and connections needed to scale effectively. The firms also plan to utilize the alliance to help their existing portfolio companies expand into the Indian market, creating a symbiotic relationship that benefits both local and international ventures. Sriram Vishwanathan, founding managing partner at Celesta Capital, emphasized the broader goal: “We have put this thing together to actually energize the ecosystem and bring like-minded investors together.” Celesta Capital, an early backer of Indian deep tech startups like space-tech venture Agnikul, drone maker IdeaForge, and AI-driven cancer diagnostics firm OneCell Diagnostics, spearheaded this effort, demonstrating their deep understanding of the market’s potential. The alliance’s commitment is seen as just the beginning. Vishwanathan anticipates that more firms, including financial VCs, private equity firms, and even corporates with significant investment programs, will join in the future. This expansion could further amplify the impact on the Indian deep tech landscape. Navigating the Waters: Geopolitical Dynamics and Driving Tech Innovation India The formation of this alliance occurs against a complex geopolitical backdrop. While initiatives like the TRUST (Transforming the Relationship Utilizing Strategic Technology) program aimed to deepen U.S.-India tech ties, recent tensions, such as tariffs imposed by President Donald Trump over India’s oil purchases from Russia, highlight a widening trade and geopolitical rift. Despite these challenges, the alliance is making a clear bet on India’s future as a hub for Tech Innovation India. Sriram Vishwanathan articulated this conviction, stating, “We find India as a particularly interesting market, not just for the opportunities that exist for new companies that get started in India, but also for companies in the U.S. that are seeking to expand into the Indian market.” This dual perspective underscores the strategic importance of India, not only as a source of innovation but also as a crucial market for global tech expansion. The alliance also plans to engage actively with the Indian government on policy and incentives, acting as a unified voice to advance private industry interests. This is a critical function, as past regulatory changes in India, implemented without sufficient industry input, have sometimes led to turmoil and criticism from U.S. investors. By coordinating and providing feedback, the alliance aims to foster a more stable and predictable regulatory environment conducive to deep tech growth. The Road Ahead: A Powerful Catalyst for the Indian Startup Ecosystem The India Deep Tech Investment Alliance represents a powerful catalyst for the Indian startup ecosystem. By pooling long-term capital, providing mentorship, and offering a unified voice to the government, it addresses many of the historical challenges faced by deep tech ventures. While the coordination among competing investors presents a unique challenge, the potential benefits far outweigh the risks. This alliance signals a maturing market and a strategic global recognition of India’s burgeoning talent and innovative spirit. As Accel partner Anand Daniel aptly summarized, “Over the next decade, startups will build in India and export breakthrough solutions to the world. The tailwinds are in place: ambition, talent, policy intent, and patient capital.” This sentiment encapsulates the hopeful and determined spirit behind this groundbreaking collaboration. The future of India Deep Tech is not just about local growth; it’s about global impact, driven by a powerful partnership. To learn more about the latest AI market trends, explore our article on key developments shaping AI features and institutional adoption. This post India Deep Tech: Unleashing a Billion-Dollar Era of Innovation with U.S. India Alliance first appeared on BitcoinWorld and is written by Editorial Team

Author: Coinstats

2025/09/02

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