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Oct 07, 2025
CBDCs + Open Credit: A Three-Layer Model for Privacy, Inclusion, and Audit
By separating settlement, credit, and privacy layers, this architectural model for CBDCs aims to prevent surveillance while enabli...
Oct 07, 2025
Can Decentralized Finance Truly Fix Global Credit Inequality, or Will New Forms...
In 2022, over 200 bank accounts in Canada were frozen without notice, leaving protesters unable to access their money. This event...
Sep 18, 2025
Gluwa: A Financial Haven for the Uncredited
Gluwa is pushing the radical idea that credit access should be available to anyone, anywhere, who demonstrates creditworthiness an...
