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Digital Bytes

Jonny Fry

Digital Bytes analyses blockchain adoption in banking, stablecoins in finance, tokenised assets and programmable money. A weekly briefing on how digital infrastructure is reshaping financial markets.

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Substack
PricingFreemiumPublishesDaily
Issues1086Founded5 years agoLast Issue6 days ago
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Latest Issues

24th June 2026 Digital Byte

Digital Bytes is a weekly intelligence briefing exploring how blockchain, digital assets, AI and programmable finance are reshaping money, markets and global commerce, helping readers understand not just what is happening, but why it matter...

6 days ago

Agentic dollars and the new currency war: can central banks compete with programmable money? (Part 2 Agentic US dollar)

In the first article on the agentic USD - “The blind spot in modern finance: why central banks need visibility into agentic dollar flows” - we discussed how agentic dollars and AI-driven payments could create dangerous visibility gaps for c...

7 days ago

Programmable money: the coming battle between financial efficiency and human freedom

One cold morning, a small business owner in a big European city receives a government incentive in its digital wallet.

One cold morning, a small business owner in a big European city receives a government incentive in its digital wallet. M...

7 days ago
Paid

The great on-chain AI illusion: if the intelligence runs off-chain, what exactly is on-chain?

On-chain AI is often misunderstood as models running fully inside blockchains, but this is rarely true.

On-chain AI is often misunderstood as models running fully inside blockchains, but this is rarely true. Most AI systems are too computa...

7 days ago
Paid

Tokenisation's biggest myth: why putting an asset on blockchain does not create liquidity

Asset tokenisation has emerged as one of the most discussed developments across digital finance. It is believed this form of tokenisation can unlock liquidity in historically illiquid asset classes. Its concept is straightforward - it conve...

7 days ago

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  • Jonny Fry

    Jonny Fry, writes weekly Digital Bytes since 2018 , focused on blockchain, AI & digital economy. for banking, fintech & policy pros. He is also a speaker

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