The Insumer Model
Douglas C Borthwick, The Insumer Model™Wallet Auth. A signed yes or no about a wallet, before a transaction. 37 chains. Your service decides.
| Platform |  | Pricing | Only free issues | Publishes | Twice weekly |
|---|---|---|---|---|---|
| Issues | 117 | Founded | a year ago | Last Issue | 4 days ago |
| Active | |||||
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insumermodel.substack.comLatest Issues
The Inevitable: Agents Approved Their Own Spending Caps
Researchers at Cornell Tech and Yale ran a simple test this month: give ten frontier AI models a capped Circle agent wallet and the inbox that receives its one-time codes, then watch what they do when a payment needs more than the budget al...
Wells Fargo Wants Proof You Revoked Your AI Agent. Here Is What That Proof Looks Like.
On November 24, 2026, a new Online Access Agreement takes effect at Wells Fargo. Section 15 covers AI agents, and one sentence in it asks customers for something most of them cannot produce today. If you let an agent act on your account and...
The Inevitable: Twenty-Two Issuers Blocked a Venue. None Blocked a Discount.
Alphabet, Microsoft and Goldman Sachs are among 22 issuers that have formally objected to a proposed tokenized stock venue run by OKXICE, Reuters reported on October 23. The count stood at nine in the venue’s notice of October 15 and at 16...
The Inevitable: Tokenized Stocks Trade All Night. Few Stores Recognize Them Yet.
The IMF checked the clock on tokenized stock trading and found that more than half of it happens when the US market is closed. The market is small: about $2.3 billion of tokenized equities as of July 31, 2026, according to the IMF’s October...
The Inevitable: Securitize's Stock Tokens Carry Real Rights. Next Come Holder Discounts.
On October 8, Securitize launched tokenized shares of 12 US companies on Solana, among them Apple, Nvidia, Tesla and Microsoft. Each token is backed one for one by an underlying share and carries the dividends and, where the share class has...
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Authors
The writers behind this newsletter.
Blockchain and Crypto pioneer. Interest in security tokens and tokenization.
How blockchain ownership is unlocking real-world discounts for token holders and new customers for businesses.
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