WHO cares about the money of the future? WHY should I care about money of the future? This book explains and shows that, by 2030, as money becomes digital, it will revolutionise everything. Digital money will make money personal; individualise currency and its usage; secure it; enable it to automatically grow to meet our personal goals; manage risk automatically; and make life simpler and easier for all. The most critical aspect of this book is HOW money becomes intelligent ... digitally ... and artificially. For over ten years, liberterians have said that bitcoin will be the currency of Planet Earth. Chris Skinner has always argued that you cannot have money without government. Who is right?

For over ten years, libertarians have accused people like Chris of being a Statist - someone who support national government states in implementing law - and saying he is wrong. What they didn't ask is: who is the government? Is the government the State or the network?

This issue has been at the heart of a debate for over ten years, and may finally be coming to some resolution thanks to the collapse of FTX, Celsius, ThreeArrows, Terra-Luna and many other cryptocurrency market trading platforms in the last years.

The core of this argument is what is the future of money. Is it decentralised or centralised. Is it DeFi - decentralised finance - or CeFi - centralised finance? This book argues that it's HyFi or, in other words, hybrid finance. The future of money requires regulatory oversight but can operate in a decentralised form. Why? Because if you lose all of your money to a decentralised exchange, platform or currency, there needs to be a way to get it back.