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The Grammar of our Economy

Timo Hotti

Charting the digital territory between Finance and the rest of the Economy.

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Substack
PricingOnly free issuesPublishesDaily
Issues194Founded4 years agoLast Issue8 days ago
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Artwork for The Grammar of our Economy

Latest Issues

The Digital Twin of The Economy

The phrase “a digital twin of the economy” already means something. It means a simulation — a model of supply, demand, prices, and shocks that runs on a server while an analyst watches from above. Central banks build these to stress-test th...

8 days ago

The Apprentice That Never Forgets

We have been taught to think of artificial intelligence as weather. It comes from somewhere far away, vast and centralized, built by a handful of organizations with data centers the size of towns. The rest of us stand under it. We can shelt...

15 days ago
1

Twelve Corrections for a Trustworthy Internet

The goal is plain: a fully decentralised network that can execute banking-grade transactions between any two parties on the internet. No privileged operator. No central directory. No bearer instruments that break the chain of custody. No le...

21 days ago
8

Reconstruction Is Not Monitoring

European banks are being offered two stablecoin architectures. Different shapes. Same flaw.

The first is banks issuing a euro-denominated bearer token alone or jointly. The economics are spread across the members, the brand is the consorti...

a month ago

Agentic Banking, or the Toxic Coin

Banks have spent the last few years committing themselves to the crypto world. Some have issued tokens. Some have formed consortiums for such purpose. Others have signed correspondent agreements with stablecoin issuers, custodied tokenised...

a month ago
1

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  • Timo Hotti

    Charting the new digital territory between banks and their customers. Principal @ OP Pohjola. Opinions are mine only.

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