Posts from the 'Op-Ed' Category

Crypto, Web3 & AI Offers Us All A Chance to Be Involved

Crypto, Web3 & AI Offers Us All A Chance to Be Involved

Reflecting on my recent speech at the Web3BB Tokyo event, I am struck by the potent mix of artificial intelligence and Web3, and what they hold for the financial industry.

Having had the privilege of leading AI-driven innovations in finance, I am convinced that the convergence of these two technologies is the key to unlocking a more secure, efficient, and personalized financial landscape. Allow me to share my vision.

Key Takeaways

  • AI and Web3 offer the financial industry security, efficiency, and personalization.
  • Combine them with the decentralized nature of Web3 to add transparency and a user focus.
  • AI-driven insights and Web3’s data management enable sophisticated financial predictions and risk assessments.
  • This is a future worth fighting for, and I am excited to be a part of it.

The Relationship Between AI and Web3

The relationship between AI and Web3 is nothing short of symbiotic. Web3’s decentralized architecture offers a framework in which AI can function with enhanced transparency, security, and user focus.

And then with AI, we can unearth new insights and efficiencies within the financial sector while upholding the highest standards of data integrity and security.

Apply the fusion of AI and Web3 to finance, and you get new ways to trade, invest, and handle your financial planning. AI can also find sophisticated models for predicting market trends, identifying risks, and optimizing investment strategies — the change is unparalleled.

For this to work well, a critical juncture in AI and Web3 is in data management. AI algorithms thrive on data, and Web3’s decentralized nature ensures that the data is secure, transparent, and siloed as appropriate for the user.

The goal is then for AI to analyze vast amounts of decentralized data and offer valuable insights while maintaining privacy and security.

Ushering in a New Era of Financial Innovation

As I gaze into the future, I am exhilarated by the potential impact of AI and Web3 on the financial industry. As the Chairman of Neurai, a pioneering AI startup in Singapore, we are committed to pushing the boundaries of AI-powered finance. Our flagship product, COPX.AI, is already reaping the benefits.

“The future of finance transcends mere trading; it’s about crafting a more secure, efficient, and personalized experience for users,” I emphasized during my speech at Web3BB Tokyo.

But what does this mean for the future of finance? In my view, it signifies a shift towards more decentralized and democratized financial systems. With AI and Web3, we can create more accessible, transparent, and secure platforms. For instance, AI-powered trading platforms can analyze vast amounts of market data to identify trends and patterns that human traders might overlook. This leads to more informed investment decisions and better returns for investors.

Similarly, AI-driven risk management systems can detect potential risks and alert investors before they escalate into major issues, thereby safeguarding investors’ assets and preventing financial losses.

Charting the Path Forward

As the financial industry continues to evolve, we need prioritize innovation and experimentation. The integration of AI and Web3 has the potential to unlock new possibilities and drive growth across the sector, but it necessitates a commitment to ongoing research and development.

At the Web3BB Tokyo event, I had the opportunity to meet over 20 founders of Web3 and AI companies. Their dedication to harnessing the power of AI and Web3 to create a better future for finance is palpable. Many believe that these technologies can democratize access to financial services, promote greater transparency and accountability, and unlock new avenues for growth and innovation.

Navigating the Challenges Ahead

Of course, the road ahead is not without challenges. One of the most significant hurdles is regulatory uncertainty. As AI and Web3 continue to evolve, it remains unclear how regulators will respond. Will they introduce new rules and regulations, or will they adopt a more laissez-faire approach?

Another challenge is the need for education and awareness. Many individuals in the financial industry are still unfamiliar with AI and Web3, necessitating education and training to help them understand the potential benefits and risks of these technologies.

Lastly, there is the challenge of scalability. As AI and Web3 continue to grow and evolve, it remains to be seen whether they can scale to meet the demands of the financial industry.

Where We Go Next

As I look to the future, I am excited to witness the impact of these technologies on the sector. Being deeply involved in AI-powered innovation, I am confident that we can create a more secure, efficient, and personalized financial experience for all.

But this journey is not just about us. It’s about the entire financial industry coming together  and creating a world that is more decentralized, democratized, and accessible to all.

I am convinced that the financial industry will become increasingly decentralized.

Decentralized finance is already becoming a reality, with platforms like MakerDAO and Compound enabling users to lend and borrow cryptocurrencies in a decentralized manner.

But DeFi is just the beginning. With AI and Web3, we can create decentralized platforms for trading, investing, and financial planning. These platforms will be more secure, efficient, and personalized.

I am also convinced that the financial industry will become increasingly democratized — with platforms that are accessible to all, regardless of income or social status.

We can develop platforms that allow anyone to invest in cryptocurrencies, regardless of their financial background, and that provide access to financial services to anyone, regardless of their location or income.

The Bottom Line

Finally, I believe that the financial industry will become increasingly secure — resistant to hacking and cyber-attacks.

We can develop platforms that utilize AI-powered security systems to detect and prevent cyber-attacks. We can create platforms that leverage Web3’s decentralized architecture to protect user data and prevent hacking.

This is a future worth fighting for, and I am excited to be a part of it.

 

Source: https://www.techopedia.com/anndy-lian-crypto-web3-ai-offers-us-all-a-chance-to-be-involved

Anndy Lian is an early blockchain adopter and experienced serial entrepreneur who is known for his work in the government sector. He is a best selling book author- “NFT: From Zero to Hero” and “Blockchain Revolution 2030”.

Currently, he is appointed as the Chief Digital Advisor at Mongolia Productivity Organization, championing national digitization. Prior to his current appointments, he was the Chairman of BigONE Exchange, a global top 30 ranked crypto spot exchange and was also the Advisory Board Member for Hyundai DAC, the blockchain arm of South Korea’s largest car manufacturer Hyundai Motor Group. Lian played a pivotal role as the Blockchain Advisor for Asian Productivity Organisation (APO), an intergovernmental organization committed to improving productivity in the Asia-Pacific region.

An avid supporter of incubating start-ups, Anndy has also been a private investor for the past eight years. With a growth investment mindset, Anndy strategically demonstrates this in the companies he chooses to be involved with. He believes that what he is doing through blockchain technology currently will revolutionise and redefine traditional businesses. He also believes that the blockchain industry has to be “redecentralised”.

www.anndy.com
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Crypto in India: Balancing Adoption and Regulatory Challenges

Crypto in India: Balancing Adoption and Regulatory Challenges
Imagine a country caught between the excitement of new digital money and the worry of keeping its financial system safe. That’s India right now, grappling with the world of cryptocurrency. It’s like walking a tightrope – lean too far one way, and you might miss out on a financial revolution; lean too far the other, and you risk financial chaos.

This balancing act has led to a series of back-and-forth decisions, leaving both crypto enthusiasts and government officials scratching their heads. India isn’t saying a flat-out “yes” or “no” to crypto. Instead, it’s trying to find a sweet spot where it can enjoy the benefits of this new technology without putting its economy at risk. But with the government sending mixed signals and a much-anticipated Crypto Bill still in the works, everyone’s left wondering: what’s next for crypto in India?

The Crypto Bill: A Work in Progress

The Crypto Bill has become somewhat of a legend in Indian crypto circles. Initially seen as a potential game-changer, it was expected to pave the way for a digital currency issued by the Reserve Bank of India (RBI), hinting at a progressive stance that could put India at the forefront of the CBDC revolution.

The reality has been more complicated. The bill, years in the making, has faced numerous revisions and delays. Its contents remain unclear, with conflicting reports about its stance on private cryptocurrencies. This lack of clarity has left the Indian crypto community uncertain about the future of their investments and businesses. The bill’s journey mirrors the global struggle to effectively regulate digital assets. While governments see the potential of blockchain and digital currencies, concerns about financial stability, investor protection, and illicit activities remain significant.

Mixed Messages from the Ministry of Finance

Adding to the complexity, India’s Ministry of Finance recently stated there are no proposals for legislation governing digital asset trading. This announcement surprised many, given the ongoing discussions about the Crypto Bill. This apparent contradiction reveals differing viewpoints within the Indian government regarding cryptocurrency regulation. It also highlights the challenge policymakers face in keeping up with the rapidly evolving crypto landscape.

The Ministry’s statement is open to interpretation. It could suggest a hands-off approach, allowing organic market evolution. It might indicate that the government is still formulating its position, preferring to observe global regulatory trends before committing to a specific course of action.

The Adoption Paradox: India and China

One intriguing aspect of India’s crypto story is the disconnect between regulatory caution and widespread adoption. Despite the government’s cautious stance and occasional anti-crypto rhetoric, India has seen a surge in crypto adoption. This phenomenon isn’t unique to India. China, despite taking a stricter approach with outright bans on cryptocurrency trading and mining, also continues to see strong crypto adoption among its citizens.

A Chainalysis report revealed that India ranked second largest crypto market in the world in terms of raw transaction volume, beating UK, Turkey and Russia. This high adoption rate, despite regulatory uncertainty, speaks volumes about the perceived value and potential of cryptocurrencies among the Indian population. The situations in India and China offer valuable insights for policymakers worldwide. They suggest that heavy-handed attempts to discourage crypto adoption may be ineffective and potentially counterproductive. Instead, a more nuanced and adaptive approach to crypto regulation may be necessary.

Self-Regulation: A Potential Bridge

Given the challenges of top-down regulation, there’s growing support for self-regulation within India’s crypto sector. This approach could offer a middle ground between unfettered market freedom and stringent government control.

Self-regulation in the crypto space could involve industry-led initiatives to establish best practices, implement robust KYC and AML procedures, and create consumer protection mechanisms. By proactively addressing regulatory concerns, the crypto industry could demonstrate its commitment to responsible growth and potentially ease some of the government’s apprehensions. Some Indian crypto exchanges have already taken steps in this direction. WazirX, a major Indian crypto exchange, has implemented stringent KYC procedures and collaborates with law enforcement agencies to prevent illicit activities.

Nevertheless, self-regulation has its limitations. I would argue that it may not sufficiently address all regulatory concerns and could potentially lead to conflicts of interest. Despite these challenges, self-regulation could play a crucial role in the short to medium term, especially given the current regulatory uncertainty.

The Current Landscape: Taxation and AML Measures

While India may lack a comprehensive crypto regulatory framework, it has taken steps to bring the sector under some form of oversight, primarily through taxation and anti-money laundering measures. The 2022 budget introduced a 30% tax on income from cryptocurrencies and other digital assets. Additionally, a 1% Tax Deducted at Source (TDS) was imposed on crypto transactions above a certain threshold. On the AML front, crypto exchanges operating in India must comply with the Prevention of Money Laundering Act (PMLA).

These measures represent a pragmatic approach to crypto regulation. By focusing on taxation and AML compliance, the government has found a way to exercise some control over the crypto sector without explicitly legalizing or banning cryptocurrencies.

Binance’s Regulatory Milestone in India

I believe this is a significant development that could reshape India’s crypto landscape. Global cryptocurrency exchange Binance achieved a major regulatory breakthrough on August 15, 2024. Binance announced its successful registration as a reporting entity with India’s Financial Intelligence Unit (FIU-IND), marking its 19th global regulatory milestone. This registration underscores a pivotal shift in India’s approach to cryptocurrency regulation and offers a compelling case study of how international players can navigate the country’s evolving regulatory framework.

Binance’s registration demonstrates its commitment to adhering to India’s anti-money laundering (AML) standards, aligning with the government’s focus on preventing illicit activities in the crypto sector. It also allows Binance to fully operate its website and application for Indian users, providing them access to a comprehensive suite of crypto services and tools.

Binance CEO Richard Teng emphasized the significance of this milestone, stating, “Recognizing the vitality and potential of the Indian VDA market, this alignment with Indian regulations allows us to tailor our services to the needs of Indian users.”

This development is particularly noteworthy given India’s position in the global crypto landscape. India leads the world in grassroots adoption according to Chainalysis’ 2023 Global Crypto Adoption Index, India leads the world in grassroots crypto adoption, ranking in the top five by estimated transaction volume across various crypto platforms and protocols.

Binance’s successful registration and entry into the Indian market could serve as a catalyst for more comprehensive crypto regulations in India. It demonstrates that it’s possible for global crypto players to operate within India’s regulatory framework, potentially encouraging the government to develop more detailed guidelines for the industry.

The Need for Clarity: A Growing Chorus

Despite recent developments, there’s a growing chorus calling for greater regulatory clarity. The crypto industry in India argues that clear regulations are essential for the sector’s growth and for attracting institutional investments. They contend that regulatory uncertainty hampers innovation and puts India at risk of falling behind in the global crypto race.

Moreover, clear regulations could provide better protection for retail investors and help prevent illicit activities. The Supreme Court of India, in its 2020 judgment that lifted the RBI’s banking ban on crypto, emphasized the need for clear regulations, noting that the absence of regulations does not make an activity illegal by default.

Global Lessons: Charting a Path Forward

As India navigates its crypto regulatory journey, it can learn from global experiences. Different countries have adopted varying approaches to crypto regulation, ranging from outright bans to embracing cryptocurrencies as legal tender.

The United States has taken a largely fragmented approach, with different agencies exercising oversight based on their jurisdictions. In contrast, countries like Switzerland and Singapore have developed more comprehensive crypto-friendly regulations. El Salvador’s bold move to adopt Bitcoin as legal tender offers another interesting case study, albeit one that comes with significant risks and challenges. India could potentially carve out a middle path, drawing on these global experiences while tailoring its approach to its unique economic and social context.

Finding the Balance: Embracing the Inevitable

Looking ahead, it’s clear that India needs a balanced and nuanced approach to crypto regulation. The country’s large and tech-savvy population, coupled with its growing digital economy, presents immense opportunities in the crypto space. These opportunities however must be balanced against legitimate concerns about financial stability, consumer protection, and illicit activities.

A potential roadmap for India could involve developing clear legal definitions for cryptocurrencies, creating a regulatory framework that distinguishes between different crypto activities, establishing a licensing regime for crypto businesses, encouraging innovation through regulatory sandboxes, investing in public education about cryptocurrencies, and collaborating with international bodies to develop global standards for crypto regulation.

In conclusion, India’s journey with cryptocurrency regulation reflects the global struggle to come to terms with this disruptive technology. The high adoption rates despite regulatory uncertainty demonstrate that cryptocurrencies are not a passing fad, but a financial innovation that’s here to stay. By embracing the inevitability of crypto adoption and working towards clear, balanced regulations, India has the opportunity to position itself as a leader in the global crypto economy. This approach could unlock significant economic benefits while addressing legitimate regulatory concerns.

As India stands at this crucial juncture, the decisions it makes regarding crypto regulation will have far-reaching implications, not just for its own economy, but for the global financial landscape. The world watches with keen interest as this crypto conundrum unfolds in one of the world’s largest and most dynamic economies.

 

Source: https://www.securities.io/crypto-in-india-balancing-adoption-and-regulatory-challenges/

Anndy Lian is an early blockchain adopter and experienced serial entrepreneur who is known for his work in the government sector. He is a best selling book author- “NFT: From Zero to Hero” and “Blockchain Revolution 2030”.

Currently, he is appointed as the Chief Digital Advisor at Mongolia Productivity Organization, championing national digitization. Prior to his current appointments, he was the Chairman of BigONE Exchange, a global top 30 ranked crypto spot exchange and was also the Advisory Board Member for Hyundai DAC, the blockchain arm of South Korea’s largest car manufacturer Hyundai Motor Group. Lian played a pivotal role as the Blockchain Advisor for Asian Productivity Organisation (APO), an intergovernmental organization committed to improving productivity in the Asia-Pacific region.

An avid supporter of incubating start-ups, Anndy has also been a private investor for the past eight years. With a growth investment mindset, Anndy strategically demonstrates this in the companies he chooses to be involved with. He believes that what he is doing through blockchain technology currently will revolutionise and redefine traditional businesses. He also believes that the blockchain industry has to be “redecentralised”.

www.anndy.com
j j j

Data security and analytics in the age of AI and Blockchain: A Cryptocurrency case study

Data security and analytics in the age of AI and Blockchain: A Cryptocurrency case study

In today’s rapidly evolving digital landscape, data security and analytics have become paramount concerns, especially with the advent of artificial intelligence (AI) and blockchain technology. These innovations promise to revolutionise various sectors, including finance, healthcare, and supply chain management, by enhancing efficiency, transparency, and security. However, they also introduce new challenges and vulnerabilities that must be addressed to fully realise their potential. I will share the intricacies of data security and analytics in the context of AI and blockchain, using cryptocurrency as a case study to illustrate the opportunities and risks involved.

The rise of AI and Blockchain

Artificial intelligence and blockchain are two of the most transformative technologies of the 21st century. AI, with its ability to process vast amounts of data and generate insights, is reshaping industries by automating tasks, improving decision-making, and enabling new business models. I remember reading a report by McKinsey, AI could potentially deliver an additional $13 trillion to the global economy by 2030.

Blockchain, on the other hand, offers a decentralised and immutable ledger system that ensures transparency and security in transactions. Originally developed as the underlying technology for Bitcoin, blockchain has found applications in various fields, from supply chain management, education to healthcare systems. A study by PwC estimates that blockchain could boost global GDP by $1.76 trillion by 2030 through increased transparency, efficiency, and trust. To be honest, given how the regulators are approving cryptocurrencies, that amount could be 10 times more than what was estimated.

Cryptocurrency: A Case Study

Cryptocurrency, a digital or virtual form of currency that uses cryptography for security, is perhaps the most well-known application of blockchain technology. Bitcoin, the first and most prominent cryptocurrency, was introduced in 2009 by an anonymous entity known as Satoshi Nakamoto. Since then, thousands of cryptocurrencies have emerged, with a total market capitalisation exceeding $2 trillion as of 2023.

Cryptocurrencies operate on decentralised networks, typically using blockchain technology to record transactions. This decentralisation offers several advantages, including reduced transaction costs, increased transparency, and resistance to censorship. However, it also presents significant challenges in terms of data security and analytics.

Data security in Cryptocurrency

One of the primary concerns with cryptocurrencies is the security of digital assets. Unlike traditional financial systems, where transactions are mediated by banks and other financial institutions, cryptocurrency transactions occur directly between users. This peer-to-peer nature of transactions, while offering greater autonomy, also makes cryptocurrencies a target for cybercriminals.

Just last year alone, the industry saw a record of 286 crypto thefts incidents which added up to be around $2.3 million. If you total all the crypto hacks from 2011, there are more than $19 billion. High-profile incidents, such as the Mt. Gox hack in 2014, where approximately 850,000 Bitcoins were stolen, highlight the vulnerabilities in the cryptocurrency ecosystem. These security breaches often result from weaknesses in the underlying technology, such as software bugs, as well as human factors, such as poor password management and phishing attacks.

Blockchain technology itself is inherently secure due to its decentralised and immutable nature. Each block in the blockchain contains a cryptographic hash of the previous block, a timestamp, and transaction data, making it extremely difficult to alter past transactions without altering subsequent blocks. However, the security of the overall system depends on the implementation and the security practices of the users.

The role of AI in enhancing security

Artificial intelligence can play a crucial role in enhancing the security of cryptocurrency systems. AI algorithms can analyse vast amounts of data to detect patterns and anomalies that may indicate fraudulent activities. For instance, machine learning models can be trained to identify unusual transaction patterns that deviate from a user’s typical behavior, flagging potential security threats in real-time.

AI can also be used to improve the security of cryptocurrency exchanges, which are often targeted by hackers. By analysing network traffic and user behavior, AI systems can detect and mitigate distributed denial-of-service (DDoS) attacks, phishing attempts, and other cyber threats. Additionally, AI-powered identity verification systems can enhance the security of user accounts by using biometric data, such as facial recognition and fingerprint scanning, to prevent unauthorised access.

Data analytics in Cryptocurrency

Data analytics is another critical aspect of the cryptocurrency ecosystem. The decentralised nature of blockchain technology generates a vast amount of data, which can be analysed to gain insights into market trends, user behavior, and network performance. This data can be invaluable for investors, developers, and regulators.

For investors, data analytics can provide insights into market trends and help identify investment opportunities. By analysing historical price data, trading volumes, and social media sentiment, investors can make more informed decisions and develop strategies to maximise their returns. Here’s a report by Singapore Management University on predicting Bitcoin and Ethereum pricing using Tweet data and Google Trends.

For developers, data analytics can help optimise the performance of blockchain networks. By analysing transaction data, developers can identify bottlenecks and inefficiencies in the network, enabling them to make improvements and enhance scalability. For example, Ethereum, the second-largest cryptocurrency by market capitalisation, has undergone several upgrades to improve its transaction throughput and reduce fees, driven by insights gained from data analytics.

For regulators, data analytics can provide valuable insights into the cryptocurrency market and help detect illegal activities, such as money laundering and tax evasion. By analysing transaction data and identifying patterns associated with illicit activities, regulators can develop more effective policies and enforcement strategies.

The intersection of AI, Blockchain, and data security

The intersection of AI, blockchain, and data security presents both opportunities and challenges. On one hand, AI can enhance the security and efficiency of blockchain networks by detecting and mitigating threats, optimizing performance, and providing valuable insights. On the other hand, the integration of AI and blockchain also introduces new risks and complexities.

One of the key challenges is the potential for AI algorithms to be manipulated or biased. AI systems rely on large datasets to train their models, and if these datasets are biased or manipulated, the resulting models may produce inaccurate or unfair outcomes. For instance, if an AI system used to detect fraudulent transactions is trained on biased data, it may disproportionately flag transactions from certain regions or demographics, leading to unfair treatment of users.

Another challenge is the scalability of AI and blockchain systems. Both AI and blockchain require significant computational resources, and integrating the two technologies can exacerbate scalability issues. Training AI models on blockchain data can be computationally intensive, and the decentralised nature of blockchain networks can make it difficult to achieve the necessary computational power. Solutions such as off-chain computation and layer-2 scaling solutions are being explored to address these challenges.

The future of data security and analytics in Cryptocurrency

The future of data security and analytics in the cryptocurrency ecosystem will likely be shaped by ongoing advancements in AI and blockchain technology. As these technologies continue to evolve, they will offer new opportunities to enhance security, efficiency, and transparency in the cryptocurrency market.

One promising development is the use of zero-knowledge proofs (ZKPs) in blockchain networks. ZKPs are cryptographic techniques that allow one party to prove to another that a statement is true without revealing any additional information. This can enhance the privacy and security of blockchain transactions by allowing users to verify transactions without exposing sensitive data. For instance, Zcash, a privacy-focused cryptocurrency, uses ZKPs to enable confidential transactions. Another example would be Silentswap, a decentralised, private, non-custodial protocol that allows users to swap crypto tokens while safeguarding their privacy.

Another development is the integration of AI and blockchain in decentralised finance (DeFi) platforms. DeFi platforms use blockchain technology to offer financial services, such as lending, borrowing, and trading, without intermediaries. By integrating AI, these platforms can offer more sophisticated financial products and services, such as algorithmic trading and automated portfolio management. Bybit’s TradeGPT is one good example. This AI powered tool empowers users with enhanced understanding and formulation of trading strategies within the exchange platform. If you are platform agnostic, COPX used AI to co-pilot, scrutinising real-time market data alongside personal preferences to create customised trading strategies. However, this also introduces new security risks, as AI algorithms can be exploited by malicious actors. Higher security measures must be implemented.

Bottom Line

In conclusion, data security and analytics are critical components of the cryptocurrency ecosystem, especially in the age of AI and blockchain. While these technologies offer significant benefits in terms of efficiency, transparency, and security, they also introduce new challenges and vulnerabilities.

By leveraging AI to enhance security and using data analytics to gain insights, the cryptocurrency market can continue to grow and evolve. However, it is essential to address the potential risks and ensure that these technologies are implemented in a fair and secure manner. As the digital landscape continues to evolve, the intersection of AI, blockchain, and data security will play a crucial role in shaping the future of finance and beyond.

 

 

 

Source: https://ciosea.economictimes.indiatimes.com/blog/data-security-and-analytics-in-the-age-of-ai-and-blockchain-a-cryptocurrency-case-study/111916894

 

Anndy Lian is an early blockchain adopter and experienced serial entrepreneur who is known for his work in the government sector. He is a best selling book author- “NFT: From Zero to Hero” and “Blockchain Revolution 2030”.

Currently, he is appointed as the Chief Digital Advisor at Mongolia Productivity Organization, championing national digitization. Prior to his current appointments, he was the Chairman of BigONE Exchange, a global top 30 ranked crypto spot exchange and was also the Advisory Board Member for Hyundai DAC, the blockchain arm of South Korea’s largest car manufacturer Hyundai Motor Group. Lian played a pivotal role as the Blockchain Advisor for Asian Productivity Organisation (APO), an intergovernmental organization committed to improving productivity in the Asia-Pacific region.

An avid supporter of incubating start-ups, Anndy has also been a private investor for the past eight years. With a growth investment mindset, Anndy strategically demonstrates this in the companies he chooses to be involved with. He believes that what he is doing through blockchain technology currently will revolutionise and redefine traditional businesses. He also believes that the blockchain industry has to be “redecentralised”.

www.anndy.com
j j j