Curated writing on money, crypto, investing and much more - using terms that you'll actually understand.
Jerome Powell hands the Fed Chair seat to Kevin Warsh on May 15, a transition that could shift rate and liquidity signals for crypto. The Senate Banking Committee marks up the Digital Asset Market Clarity Act on May 14, potentially resolving the SEC vs. CFTC question that's blocked institutional adoption for years. And 13F filings due Thursday will finally reveal whether the big money was buying or bailing on spot Bitcoin ETFs in Q1.
Holding crypto is a smart hedge against inflation — but if your assets are just sitting in a wallet, you're leaving returns on the table. Crypto yield products let you earn on what you already own, without giving up access to your funds. This piece breaks down how yield works, what assets you can earn on, and why Tap Earn — with up to 7% APY, no minimums, and no lock-up periods — is worth a serious look.
Avalanche is a blockchain platform built for speed and scale — processing up to 4,500 transactions per second with near-instant finality. Its three-chain architecture handles everything from asset creation to smart contracts, while its subnet system lets developers build custom blockchains on top of it. This piece covers how Avalanche works, what makes it different, and why it's become one of the more serious contenders in a crowded space.
Traditional cross-border payments are often plagued by hidden fees and multi-day delays. Stablecoins like USDC and USDT solve this by offering near-instant global transfers. However, their success relies on on-ramps and off-ramps, the critical infrastructure connecting traditional banks (via SEPA or Faster Payments) to the blockchain. By utilizing virtual accounts for instant reconciliation, businesses can eliminate idle capital, streamline cash flow, and move money at the speed of the modern internet.
Blockchains use layered architecture to balance the blockchain trilemma: security, decentralization, and scalability. Five foundational layers include infrastructure (nodes/hardware), data (transaction records), network (node communication), consensus (validation mechanisms like Proof of Work/Stake), and application (wallets, DeFi, NFTs). Additionally, Layer 0 enables blockchain interoperability (Polkadot), Layer 1 provides base security/consensus (Bitcoin, Ethereum), Layer 2 scales through off-chain processing (Lightning Network, rollups) for faster, cheaper transactions, and Layer 3 hosts user-facing apps (Uniswap, Aave). This separation allows each layer to specialize, improving performance without compromising core blockchain principles.
The Tap card gives you as much as 8% cashback to let you earn more on your everyday spending. No credit check required.
Sky is the rebranded MakerDAO ecosystem on Ethereum, launching in 2024 with improved governance and user experience. It centers on two assets: USDS (decentralized dollar-pegged stablecoin) and SKY (governance token replacing MKR at 1:24,000 ratio). Users earn yield through USDS staking via Sky Savings Rate and participate in protocol governance through SKY voting. Sky introduces modular Sky Stars projects for scalability. MKR holders can upgrade to SKY with penalties starting September 18, 2025. Sky combines savings, payments, and decentralized control while maintaining MakerDAO's transparency and risk management.
USDS is a crypto-backed stablecoin pegged to $1, governed by the Sky Protocol (formerly MakerDAO) through decentralized smart contracts. Created via Sky Vaults where users deposit collateral (ETH, USDC, tokenized assets) to mint USDS, it's overcollateralized for stability. Unlike centralized stablecoins (USDT, USDC), USDS offers transparent on-chain reserves without corporate control. Users can upgrade DAI to USDS 1:1, earn through Sky Savings Rate and token rewards, and use it across DeFi for lending, payments, and liquidity. USDS balances price stability with decentralization and multi-chain scalability.
One app. Your crypto, your card, your money — all working together. No complexity, no compromise, just a smarter way to manage what you've got.
