FinCEN's guidance on crypto business models: are you a money transmitter?

If you’re transmitting value that substitutes for currency, FinCEN’s Bank Secrecy Act will probably apply. This is about activities, not status or labels. | Continue reading


@davidgerard.co.uk | 5 years ago

Binance hacked: largest Tether exchange cuts off withdrawals for the next week

Crypto exchange hacks are incredibly rare, and only happen every month or so. Here’s hoping there’s no big Bitcoin price crash before withdrawals are back on! | Continue reading


@davidgerard.co.uk | 5 years ago

Crypto Capital and Bitfinex's Missing Millions, and Reggie Fowler

Reggie Fowler was indicted on Tuesday. The US Government has filed a motion to detain him as a flight risk. And it’s amazing. | Continue reading


@davidgerard.co.uk | 5 years ago

Bitfinex, Tether and the NY Attorney General: Everything Is Fine

A roundup of the latest news in Tether’s New York legal troubles, and that inconvenient near-billion-dollar hole in their accounts. | Continue reading


@davidgerard.co.uk | 5 years ago

What ordinary people think a “blockchain” is; the term “Blockchain Technology”

Ordinary people project all manner of things onto the word “blockchain.” This leaves them wide-open to con men. | Continue reading


@davidgerard.co.uk | 5 years ago

Smart contracts, stupid humans: major Ethereum ERC-20 token bugs (2018)

Smart contracts are fundamentally bad software engineering, part 666 in a never-ending series. | Continue reading


@davidgerard.co.uk | 5 years ago

Medical records, but on the blockchain: the history of a bad idea

Patients having some sort of “control” over their own medical data is a perennial favourite blockchain pitch. We may have found the source. | Continue reading


@davidgerard.co.uk | 5 years ago

Telegram TON ICO: network in beta, Gram sales agreement, new partner Wirecard

What do Telegram have to provide by October 2019? And why partner with Wirecard, who are currently trying to get Financial Times journalists prosecuted for writing about them? | Continue reading


@davidgerard.co.uk | 5 years ago

The AlphaSmart Neo 2 keyboard: for writing without Twitter

I got a new gadget. Let’s see if it helps. | Continue reading


@davidgerard.co.uk | 5 years ago

Brexit: Is it time for another ill-informed article about Blockchain?

You might think that glibly advocating a nonexistent technical solution for a centuries-long political conflict is somehow “fatuous” and “offensive.” But if you think in a m… | Continue reading


@davidgerard.co.uk | 5 years ago

China is kicking out Bitcoin mining: what happens next

China is pushing out Bitcoin, starting immediately. What will this do to Bitcoin? | Continue reading


@davidgerard.co.uk | 5 years ago

ShapeShift and CipherBlade: bad PR, and shells within shells

There’s stuff you can’t say in a proper magazine with offices and so on. So here’s a few outtakes from the Decrypt article on ShapeShift and CipherBlade. | Continue reading


@davidgerard.co.uk | 5 years ago

QuadrigaCX crypto exchange collapse: what we know so far

Remember that time your bank manager died, and suddenly all your money was gone? | Continue reading


@davidgerard.co.uk | 6 years ago

UK Financial Conduct Authority Draft “Guidance on Cryptoassets”

Even if you’re not in the UK, this will affect you — because all the regulators talk to each other, as they try to understand crypto. | Continue reading


@davidgerard.co.uk | 6 years ago

Brave web browser no longer claims to fundraise on behalf of others

Despite Brendan Eich tweeting for about five days to defend Brave’s previous behaviour, his web browser is no longer displaying apparent donation pages for creators who never signed up. | Continue reading


@davidgerard.co.uk | 6 years ago

KodakOne claims ONE MILLION DOLLARS of hypothetical copyright-trolling income

Not answered: just how KodakOne’s “artificial intelligence” is supposed to automatically divine the correct email address to send a notice concerning any random web page. | Continue reading


@davidgerard.co.uk | 6 years ago

Telegram ICO TON blockchain: questionable security, will probably centralise

I’m pretty sure Nikolai Durov is confident nobody could outsmart him here — he’s thought about it really hard, after all. But what happens when someone comes at the Telegram Open Network with a ham… | Continue reading


@davidgerard.co.uk | 6 years ago

The "Bart": sudden hundreds-of-Bitcoin pumps or dumps to burn the margin traders

Finance journalists need to stop treating crypto as an efficient market that responds to concerns. It’s a thinly-traded unregulated playground for whales, out to wreck the margin traders. | Continue reading


@davidgerard.co.uk | 6 years ago

No, Nick Szabo wasn't Satoshi in 2014 either

I’m writing an albatross of a book review. The book fingers Szabo as the most likely candidate for Satoshi Nakamoto. So I thought I’d share my pain. | Continue reading


@davidgerard.co.uk | 6 years ago

The KodakCoin ICO failed, and now everyone wants their money

The ICO failed, and nobody’s getting paid. Except ICOx Innovations. Also, one of the developers they stiffed is holding their Post-Licensing Portal software hostage | Continue reading


@davidgerard.co.uk | 6 years ago

Copytrack: a German photography ICO being sued over where it sent the money

We need to catch up with KodakOne and KodakCoin. But first, let’s catch up with their competitor — Copytrack. | Continue reading


@davidgerard.co.uk | 6 years ago

The Bitcoin hash rate for the past year; the squeeze miners find themselves in

In a bubble, Bitcoin miners can do very well. But what bubbles do is … pop. | Continue reading


@davidgerard.co.uk | 6 years ago

NewMR: What is Blockchain: a primer for market researchers

My back-to-basics “what actually is a blockchain?” talk, tuned to market researchers. The Q&A at the end was good too. | Continue reading


@davidgerard.co.uk | 6 years ago

The SEC's templated admin orders against ICOs – what happens next

What to do if you were foolish enough to run an ICO in the US and want to make good. | Continue reading


@davidgerard.co.uk | 6 years ago

IMF's central bank digital currency isn't about crypto, but centralising banking

Control addiction, and the fallacy of big data. | Continue reading


@davidgerard.co.uk | 6 years ago

Crypto 101 Podcast – Bitcoin Criticism: Attack of the 50 Foot Blockchain

A podcast interview with Matthew Aaron of Crypto 101 — going through Attack of the 50 Foot Blockchain, chapter-by-chapter. | Continue reading


@davidgerard.co.uk | 6 years ago

1 Kings 3:16-28: the Judgement of Solomon when Bitcoin is brought before him

Scene: King Solomon’s court. Two harlots, LUKE-JR and ROGER VER, rock up in front of KING SOLOMON with a baby called BITCOIN. | Continue reading


@davidgerard.co.uk | 6 years ago

When you sell tokens, don't claim SEC approval – Simex and bad ideas

If you’re a public company, it’s probably a bad idea to claim the SEC’s explicit approval for your operations. | Continue reading


@davidgerard.co.uk | 6 years ago

Initiative Q: a response from Saar Wilf

Saar Wilf, founder of Initiative Q, just emailed a response to my June post and October followup. With his permission, I’m reprinting it here. | Continue reading


@davidgerard.co.uk | 6 years ago

From the Musical “Initiative Q”: “The Internet Is for Scams”

I’m so sorry.(not sorry really) | Continue reading


@davidgerard.co.uk | 6 years ago

Initiative Q is doing the rounds again, and here's Q's economist on Bitcoin

My June post on Initiative Q takes off, I talk on BBC Radio about it, and Q’s economist talks about Bitcoin. | Continue reading


@davidgerard.co.uk | 6 years ago

Transcript: Digital Transformation Agency on Blockchain to Australian Senate

The widely-reported quote was: “For every use of blockchain that you would consider today there is a better technology.” The full transcript goes into more nuance. | Continue reading


@davidgerard.co.uk | 6 years ago

Vincent Chen and Wallok: 99 Bitcoins and an Elephant

A fully-worked example of Silicon Valley tunnel vision, where bitcoiners’ dreams of the grim meathook post-apocalyptic Mad Max petrolpunk future have come true. | Continue reading


@davidgerard.co.uk | 6 years ago

Is Bitcoin going TO THE MOON? No, it's Tether going down the plughole

If a dollar costs 85 cents … you have to wonder what’s up with that dollar. | Continue reading


@davidgerard.co.uk | 6 years ago

Everipedia: The Wikipedia for being wrong ... but on the blockchain

Everipedia is not going to revolutionise the world of knowledge production. | Continue reading


@davidgerard.co.uk | 6 years ago

Blockchain: Magic (Probably) Doesn't Happen

A talk for the Information Security Group at Royal Holloway. A basic overview of the engineering and computer science problems of blockchain and smart contract promises. On video! | Continue reading


@davidgerard.co.uk | 6 years ago

First legally-mandated blockchain: TRAI India's spam call complaint database

Requiring a particular deep implementation is bad — and especially because of unrealisable hype. | Continue reading


@davidgerard.co.uk | 6 years ago

Saïd Business School: the astounding blockchain of the future! Not the present

Business students are actively seeking out courses on “blockchain.” This one is very optimistic — and leaves its students susceptlble to the hype. | Continue reading


@davidgerard.co.uk | 6 years ago

DPW restores hydroelectric plant in upstate NY for crypto mining

DPW would do far better just selling the electricity locally. This plan doesn’t make sense as a business. | Continue reading


@davidgerard.co.uk | 6 years ago

The KODAKCoin/KodakOne Confidential Offering Memorandum, 21 May 2018

It wasn’t widely circulated — but I have a copy of the KodakOne Confidential Offering Memorandum. The official, authoritative statement of what WENN Digital are trying to sell you. | Continue reading


@davidgerard.co.uk | 6 years ago

Unikorn Gold: the 506(c) SAFT ICO that didn't bother checking accreditation

To be fair, even an accredited investor should realise that if you’re buying “unicorn gold,” the name might be a warning sign. | Continue reading


@davidgerard.co.uk | 6 years ago

SEC v Tomahawk: “Free” ICO tokens constitute a sale of securities

ICO tokens are (almost certainly) securities — and promotional bounty programmes are a sale of securities. | Continue reading


@davidgerard.co.uk | 6 years ago

The JPEG Committee Is “exploring Blockchain” – To Put DRM into JPEG

Advancing the cause of DRMed JPEGs with a bit of applied blockchain. | Continue reading


@davidgerard.co.uk | 6 years ago

The OKEx margin trading disaster: how crypto margin trading goes wrong

How the eye-watering margin leverage on crypto exchanges works in practice, and what happens when things go wrong. | Continue reading


@davidgerard.co.uk | 6 years ago

W. Va. and the Voatz “blockchain” voting system: scaling and security concerns

The slapstick comedy horror saga of a plucky little blockchain startup who aren’t quite ready for every state-level hacker in the world, or more than eleven voters. | Continue reading


@davidgerard.co.uk | 6 years ago

The ICO Grant Shapps quit: OpenBrix, a property website on the blockchain

Jemima Kelly from FT asked Grant Shapps just one question about the OpenBrix ICO, and hilarity ensued. | Continue reading


@davidgerard.co.uk | 6 years ago

Augur's big problem is not the assassination markets – it's being a bucket shop

Assassination markets on Augur are in the news lately — but I think their practical problem’s going to be the SEC and CFTC — who really don’t like bucket shops. | Continue reading


@davidgerard.co.uk | 6 years ago

City A.M.: “Approach Blockchain with Caution”

The text of of my article “Approach Blockchain with Caution,” from last week’s City A.M. | Continue reading


@davidgerard.co.uk | 6 years ago