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Why We Need Agentic Banking, Not Retail CBDCs, Let Alone Stablecoins
 • Timo Hotti
7:33

December 2025

From Messaging to Shared Context
The 4-Step (r)Evolution of Cross-Border Payments
 • Timo Hotti
7:19
The Internet Trust Layer Explained
An explainer video about the core ideas of the Internet Trust Layer and a "digital twin" that explains the rest.
 • Timo Hotti
8:14
HottiBot - My Digital Twin
Most of my articles have now been taught to a Gemini Gem
 • Timo Hotti
"Banks Would Never..." video
A Non-Consensus Strategy Lesson
 • Timo Hotti
7:32
“Banks Would Never...”
5 assumptions that every Bank CEO should revisit
 • Timo Hotti
13:13
7 Heresies for the Future of Finance
A re-cap of some themes I've discussed recently. Thank God It's Friday
 • Timo Hotti
From Open Banking to Agentic Banking
Why “compliance as usual” won’t work for FIDA, PSD3, and the Digital Euro—and what will.
 • Timo Hotti
15:02
The Casino Delusion
Why the “Real Economy” will never run on “Crypto Rails”—and why banks must stop trying to build them.
 • Timo Hotti
16:54
When Money Wakes Up
Why the future belongs to Active Liabilities, not Digital Custody.
 • Timo Hotti
13:38
The Tokenization Trap
Why Digital Finance Needs Verifiable Relationships, Not Just Digital Objects
 • Timo Hotti
14:09
The Fact Factory
Why the Banks That Win the Next Decade Won’t Own the Rails—They’ll Feed Them.
 • Timo Hotti
15:35
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