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.

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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.

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

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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.

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 decentralised technologies.

Listen & subscribe
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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.

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.

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.

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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.

In this episode of the Applied Blockchain 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.

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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.

In this episode of the Applied Blockchain 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.

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Applied Blockchain

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⚠️ 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.

In this episode of the Applied Blockchain 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.

In this episode of the Applied Blockchain 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.

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Applied Blockchain⁠⁠

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⁠⁠⚠️ 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.

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

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GitHub ○ github.com/appliedblockchain/

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Applied Blockchain

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⚠️ 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.