The hottest Digital Payments Substack posts right now

The war on cash is driven by capitalism, not conspiracy theories.
The push towards a cashless society is not a natural inevitability, but rather a narrative constructed by powerful entities.
Advocacy for physical currency protection is essential for combatting the digital takeover by big finance and tech.

The push towards cashless societies is driven by narratives of convenience, safety, and financial inclusion, but it also impacts privacy.
Central Bank Digital Currencies (CBDCs) pose a threat to decentralized transactions and individual control over finances.
In regions like the Southern Cone, the transition to digital payments is accelerating, but the shadow economy and cash transactions still play a significant role.

Using Ecash with Cashu Mints is a way to help more people adopt and use Bitcoin, especially for those who may find it challenging to start directly with UTXO.
Ecash is like digital gift cards that offer additional privacy and cryptographic proof of reserves, helping users make anonymous and instant electronic cash transactions.
Cashu Mints allow users to exchange tokens privately without fees within the same mint, providing a convenient option for local communities to transact with each other.

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Income and wealth inequality decreased during the pandemic due to stimulus and increased minimum wages.
The pandemic accelerated technological advancements, such as the development of mRNA vaccines and digital payments.
Changes in real estate preferences indicate a lasting shift towards valuing residential space over commercial space.

Cash plays a crucial role in balancing the power dynamics of digital money.
The narrative of a cashless society being a 'progressive upgrade' overlooks essential aspects of financial resilience and inclusion.
Digital payment systems can lead to excessive centralization, loss of autonomy, and potential privacy concerns, highlighting the importance of maintaining a balance between cash and digital options.

Fintech firms need to focus on survival and profitability in a competitive environment
Bank of England plans to reject Revolut's banking license due to concerns over balance sheets
Real-time payments are growing globally, driven by successful services and government mandates

There is a way to prevent falsification, forgery, and duplication of electronic promissory notes and bills of exchange online.
Delivery of electronic negotiable instruments is a key operational challenge as it determines the validity of the instrument.
Using non-fungible token (NFT) form can solve the double-spend problem for electronic negotiable instruments and ensure their integrity and distinct identity.