Consensus magazine

A U.S. $20 currency jigsaw puzzle with pieces missing, part of a solution for home finances or solving financial problems. (Getty Images)
Dollar Stablecoins Are Great for Users and the US Government
Economist Omid Malekan responds to a recent CoinDesk editorial, arguing that stablecoins are worth the risk.
A U.S. $20 currency jigsaw puzzle with pieces missing, part of a solution for home finances or solving financial problems. (Getty Images)

Manuel Alzuru, the founder of DoinGud, says "a social awakening is happening," and the future of crypto will be tied closely to ReFi. "This is the very beginning." (Kristopher Roller, Unsplash)
The Rise of Crypto's Brand of Regenerative Finance
Call it a culture shift or an evolutionary process, why this group of crypto-natives is building "public goods" for the longterm rather than focusing on short term profits.
Manuel Alzuru, the founder of DoinGud, says "a social awakening is happening," and the future of crypto will be tied closely to ReFi. "This is the very beginning." (Kristopher Roller, Unsplash)

(Robert Daly/Getty Images)
Code vs. Values: The Crypto Twist on ‘Trust’
The annual "Edelman Trust Barometer" shows society has worsening trust issues. Crypto promises a different type of trust alternative and nudges us toward a new understanding o...
(Robert Daly/Getty Images)

Legislators need to educate themselves on Web3 if they care about protecting consumers, writes Steven Eisenhauer. (SwapnIl Dwivedi/Unsplash)
Why Real Regulatory Change In Crypto Has Not Happened
Legislators need to educate themselves on Web3 if they care about protecting consumers, Steven Eisenhauer, chief risk and compliance officer at Ramp, writes.
Legislators need to educate themselves on Web3 if they care about protecting consumers, writes Steven Eisenhauer. (SwapnIl Dwivedi/Unsplash)

Several regulatory initiatives are underway to expand oversight of this nascent industry, the former head of fintech at the U.K. Financial Conduct Authority writes. (Javier Miranda/Unsplash)
What Crypto Legislation Could Look Like for the US, UK and Europe
Several regulatory initiatives are underway to expand oversight of this nascent industry, the former head of fintech at the U.K. Financial Conduct Authority writes.
Several regulatory initiatives are underway to expand oversight of this nascent industry, the former head of fintech at the U.K. Financial Conduct Authority writes. (Javier Miranda/Unsplash)

Securities and Exchange Commission (SEC) Chair Gary Gensler testifies before the Senate Banking, Housing, and Urban Affairs Committee, on Capitol Hill, September 15, 2022 in Washington, DC.  (Kevin Dietsch/Getty Images)
Chalk and Cheese: When Crypto Assets Meet the Securities Laws
Crypto assets cannot function as they're designed to – while being securities, Lewis Cohen, co-founder of DLx Law, writes.
Securities and Exchange Commission (SEC) Chair Gary Gensler testifies before the Senate Banking, Housing, and Urban Affairs Committee, on Capitol Hill, September 15, 2022 in Washington, DC.  (Kevin Dietsch/Getty Images)

Thomas Hogan argues that because the issuance of redeemable notes by private banks, in paper or electronic form exists in the U.S., firms should be able to issue stablecoins to their users. (K8/Unsplash)
Can Banks Issue Stablecoins?
There is no law that bans U.S. banks from issuing paper or digital private banknotes, American Institute for Economic Research senior fellow Thomas Hogan writes.
Thomas Hogan argues that because the issuance of redeemable notes by private banks, in paper or electronic form exists in the U.S., firms should be able to issue stablecoins to their users. (K8/Unsplash)

Most Influential 2022: The People Who Defined the Year in Crypto
Most Influential 2022: The People Who Defined the Year in Crypto
CoinDesk unveiled its 2022 Most Influential list, the definitive list of the biggest change makers in crypto, blockchain and Web3 this year. CoinDesk Head of Magazine Ben Schi...
Most Influential 2022: The People Who Defined the Year in Crypto