Jonny Fry / James Tylee of Digital Bytes by Team Blockchain on Cyber.FM featuring Peter Habermacher, CEO of Aaro Capital

Welcome to this week's Digital Bytes where we have analysis on the following topics: The role of metaverse as an educational tool - when it comes to education, learning and training, there is always a need for innovation. Schools and education centres do more than simply teach; they actively shape and prepare young people for the future - something which goes beyond the workplace, lecture theatres, classrooms and colleges. The metaverse has many established uses in the digital age but when it comes to education there are speculations as to how the metaverse can significantly improve the sector. PayPal: super-app or Trojan horse? - PayPal is now allowing its 300million clients to trade crypto. This is presumably being driven by client demand since in a survey in conjunction with Deloitte, 75% of merchants are looking to accept crypto as a form of payment. Are we seeing the rise of a super-app from PayPal, or a Trojan horse, as it creates the infrastructure for others to move between digital assets and traditional fiat currencies? Lessons to be learnt from Terra's collapse - the downfall of Terra Luna has shocked the cryptocurrency community. Caused by different moving parts eventually hitting equilibrium, the failure could have been avoided. The collapse was dramatic and its effects were felt in the Terra Luna ecosystem and the wider crypto market due to its affiliation with Bitcoin (as a reserve). Mr Do Kwon, the brain behind the project, had developed a brilliant idea, so perhaps there are things we can learn from the collapse of his project. Terra’s birth and death are fraught with lessons for the crypto industry and a cautionary tale for algorithmic stablecoins. Trading tokenised funds: efficiencies and challenges - Franklin Templeton recently launched the first mutual fund that is solely traded on the blockchain. Although it is a pilot, it provides a powerful proof of concept for an asset class that is both very popular for retail investors and massive in terms of assets under management. In this note, we discuss the potential challenges and efficiencies from using blockchain technology to process transactions and record share ownership in tokenised funds. Thank you for all the positive feedback and do keep your suggestions as to other topics for us to cover in future editions.