Lombard Notes
Giorgio Giuliani, Torben LeowaldDispatches from the frontiers of finance.
| Platform |  | Pricing | Only free issues | Publishes | Monthly |
|---|---|---|---|---|---|
| Issues | 46 | Subscribers | Read | l0mbardnotes.substack.com |
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Latest Issues
Recent posts by this newsletter. Browse the email archive.
Stablecoins are rails, not tokens
After several years publishing as Fintech Ruminations, I am introducing a new name: Lombard Notes. The change reflects a broader focus, extending beyond fintech to the wider architecture of financial systems — from historical innovations to...
Not All Tokens Are Equal: The Legal Wrappers Behind Tokenization
Disclaimer: I am not a lawyer, and nothing in this post should be taken as legal advice. What follows is my interpretation after reviewing the official documentation of each product, both manually and with the assistance of AI tools. In the...
The mechanics of a Tokenization Engine
Last week — during ethCC 2025 in Cannes — two major announcements captured the attention of crypto and fintech operators: US stocks are coming onchain.
Circle S-1 and the future of money
Stablecoins are having a moment in fintech. Dozens of startups have raised funding to rethink the space, and nearly every major fintech company is either integrating stablecoins—or promising it will soon. The market remains dominated by Tet...
Authors
The writers behind this newsletter.
Product @SumUp. I write of DeFi, Fintech and Financial History at fintechruminations.com
Co-Founder Tau Finance JD|PhD Columbia University
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