In this episode of the Applied Blockchain Podcast, Adi Ben-Ari (Founder, CEO of Applied Blockchain) speaks with Patrick Hennes, a blockchain and digital assets servicing expert based in Luxembourg, specialising in tokenization, MiCA, and digital asset operating models.

Patrick has spent 26 years in Luxembourg's fund industry — from transfer agency and fund migrations to six years as Director at PwC Luxembourg, where he co-founded one of the earliest blockchain initiatives in European asset management. He is a speaker, author, and one of the genuine pioneers of tokenization in the institutional finance world.

Together, Adi and Patrick explore, but not limited to:

• How Patrick first encountered blockchain at a PwC management meeting in 2015 — and what immediately clicked
• The Fund Chain initiative: building the first Ethereum-based tokenization pilot for investment funds back in 2016
• Why digitalization must come before tokenization — and what that means in practice for the full asset servicing value chain
• The two missing pieces from the early days: digital custody and on-chain cash
• Stablecoins, deposit tokens, and the payment rail that will finally enable atomic settlement

Resources Mentioned & Themes Discussed

• Fund Chain initiative — PwC Luxembourg white paper: "The Genesis of a New Business Model for the Asset Management Industry"
• Forge stablecoin (accepted as settlement currency by Clearstream)
• Larry Fink's "era of tokenization of all assets"
• ERC standards & Polygon
• DORA, AML directives, MiFID2, GENIUS Act
• Atomic Habits – James Clear
• The 5 AM Club – Robin Sharma

This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 infrastructure and privacy-preserving blockchain solutions.

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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.

Episode description

In this episode of the Applied Blockchain Podcast, Adi Ben-Ari (Founder, CEO) speaks with Charles Adams, Head of Investor Relations at Nickel Digital Asset Management, one of Europe's leading digital asset hedge funds, about what a decade inside crypto actually looks like, and where the industry is heading next.

Charles is a true crypto native who has never worked in traditional finance. He bought a Bitcoin miner and a book on blockchain off eBay in 2013, set up a mining rig in his school dorm, and has been in the space ever since — through ICOs, DeFi, institutional adoption, and now the convergence of AI and digital assets.

Together, Adi and Charles explore, but not limited to:

• Why Charles started mining Bitcoin in his school dorm in 2013 — and why he originally planned to sell it all immediately
• Why utility tokens remain the most under-appreciated innovation in the ecosystem
• How Uniswap and automated market makers represent one of the few genuinely original innovations in digital assets
• Why autonomous AI agents may be the natural native users of crypto infrastructure
• The risk management challenges of deploying AI agents in a regulated investment environment
• Why hackathons are no longer just for coders — and what's coming up at Applied Blockchain's AI Hackathon

Resources Mentioned & Themes Discussed

• Uniswap and automated market makers
• Hyperliquid — decentralised perpetuals trading
• Stablecoins and the GENIUS Act
• KYC/AML friction in institutional fund operations

‍

The episode also covers Applied Blockchain's upcoming AI Hackathon, where participants can build AI-powered solutions, with Dan Brockwell (Portfolio Manager, Directional Digital Liquid Venture, Nickel Digital Asset Management) serving as a judge.

Register for the AI Hackathon → https://luma.com/5m9c16x4

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 Ziv Keinan, Tokenization & RWA expert and Curator of the STG-3 RWA Community, about why real-world asset tokenization is entering its institutional phase, and what that means for global capital markets.With over 17 years of experience spanning law, private equity, digital securities, and blockchain infrastructure, Ziv has been at the forefront of security token offerings, interoperability platforms, and institutional RWA initiatives. As founder of STG-3, one of the leading global communities for digital securities and real-world asset professionals, he brings a uniquely institutional lens to the conversation.Together, Adi and Ziv explore, including but not limited to:• Why ICOs and early STOs created two parallel financial worlds• How “security tokens” evolved into “digital securities” and now “RWAs”• Why tokenization is an efficiency play for capital markets — not just innovation theatre• Why stablecoins are the first true product-market fit in crypto• Why private credit and tokenized funds are emerging as major RWA pillars• Why privacy is not optional for institutional adoption• The convergence of regulation, capital, and technological maturity• Why tokenization is about rethinking processes — not just putting assets on-chain• How London and global financial centres are positioning for digital capital markets• Why the conversation has shifted from “What is blockchain?” to “How do we deploy this at scale?”The episode also covers the upcoming RWA London Summit, a curated gathering of institutional leaders, infrastructure providers, and senior decision-makers shaping the next phase of tokenized finance.Resources Mentioned & Themes Discussed• Regulation D and early security token offerings• Institutional adoption cycles vs crypto-native experimentation• Stablecoins as settlement infrastructure• Tokenized private credit and funds• Institutional privacy requirements on public blockchains• Interoperability and capital markets modernisation• The UK’s positioning in digital asset regulation• The role of curated communities like STG-3 in accelerating adoptionThis podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 infrastructure and privacy-preserving blockchain solutions.Listen & subscribeSpotify ○ ⁠spoti.fi/43AjliC⁠Apple Podcasts ○ ⁠apple.co/4izThbC⁠Amazon Music ○ ⁠amzn.to/41RVTfz⁠Anchor ○ ⁠bit.ly/4hufmY9⁠YouTube ○ ⁠bit.ly/3QZl2i8⁠Follow us for more blockchain insightsLinkedIn ○ ⁠bit.ly/3DsSNp3⁠X ○ ⁠bit.ly/4iCKhCB⁠YouTube ○ ⁠bit.ly/3QZl2i8⁠Medium ○ ⁠bit.ly/3R16Mp2⁠GitHub ○ ⁠github.com/appliedblockchain/⁠Linktree ○ ⁠linktr.ee/appblockchain⁠Thank you for tuning in, Applied Blockchain⁠⁠⁠appliedblockchain.com⁠⁠⁠ | ⁠⁠⁠silentdata.com⁠⁠⁠DisclaimerThis 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 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.

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 decentralized technologies.

Listen & subscribe

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GitHub ○ ⁠github.com/appliedblockchain/⁠

Linktree ○ ⁠linktr.ee/appblockchain⁠

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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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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⚠️ 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 Edge 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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⚠️ 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 Edge 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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⚠️ 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.