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Research
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Tokenized Cash as the Unit of Settlement: What a Stablecoin Actually Is on the Books
When an application settles in “dollars,” a finance professional asks the right question: a claim on what, held by whom, redeemable how? A bank deposit, e-money, a money-market share, and…
· 7 min read -
Losing Every Passkey Shouldn’t Mean Losing the Account
Recovery is the make-or-break problem for passkey wallets. Seed phrases were brutal, but everyone understood the recovery story. Passkeys deleted the twelve words — and if your credential lived in…
· 7 min read -
Passkey Smart Accounts: A Wallet You Open With Your Fingerprint
Most crypto onboarding still starts with “write down these twelve words.” Your phone already has better: the same Face ID / fingerprint tech you use to log in everywhere. We…
· 6 min read -
What Is DeFi Lending, and Where Does the Yield Come From?
Where does crypto “yield” actually come from? It’s worth being blunt about, because the honest answer separates real earning from too-good-to-be-true schemes. DeFi lending is the oldest idea in finance…
· 5 min read -
Sanctions Screening as a Shared Building Block: One Guard, Every Money Path
Frontend sanctions screening on a public blockchain is theater — anyone can call your contracts directly. We made screening a shared building block baked into the contracts: one fail-closed guard…
· 7 min read -
What Is a Stablecoin?
Ever wonder how a crypto app can hold “200 dollars” for you when crypto prices swing all day? The answer is stablecoins — and they’re the quiet foundation under nearly…
· 4 min read -
Put Your Idle Crypto to Work: Staking Comes to FairWins
Most crypto in a wallet just sits there. Today we gave it a job: staking is now live on FairWins. Open Finance → Earn → Staking, pick an asset, and…
· 5 min read -
Soulbound Memberships, Transferable Vouchers: Splitting a Token in Two
How do you gift a non-transferable membership? Split the token in two: an inert voucher (a prepaid gift card, really) that trades freely, plus a soulbound access record it burns…
· 7 min read -
Custody Without a Custodian: Rethinking Safekeeping When Nobody Holds Your Assets
Every custody due-diligence review is really answering three questions: Are the assets segregated? Are they insolvency-remote? Who owns the operational burden? A qualified custodian lets you answer “yes, yes, them.”…
· 7 min read -
What “Be Your Own Bank” Actually Means
Who actually holds the money in your bank account? Not you — the bank does. Crypto offers a different deal called self-custody, sometimes described as “being your own bank.” But…
· 5 min read