For most people, crypto is still a speculative asset. Something you buy in the hope that it increases in value. But advocates argue that crypto is much more than that. They believe it’s a technology that could fundamentally change how money moves, how assets are owned, and who has access to financial systems.

In this episode, Andy Jones speaks with Jason Titman, CEO of Swyftx, about whether crypto can move beyond hype and deliver real-world utility. They explore decentralisation, stablecoins, cross-border payments and the tokenisation of assets, alongside the risks of volatility, scams and regulatory uncertainty. The question isn’t whether crypto exists. It’s whether it can mature into something that meaningfully reshapes finance.