Digital Bytes by Team Blockchain Radio; Powered By Cyber.FM
by James Tylee / Jonny Fry
Each week on the Digital Bytes Show, James Tylee, founder Cyber.FM in the USA, talks to Jonny Fry from TeamBlockchain reviewing the latest Digital Bytes. They explore how, where and why Blockchain technology and/or Digital Assets are being used in various industries and jurisdictions globally. Cyber.FM Radio, a product of Distributed Ledger Performance Rights Organization (DLPRO LLC), was established in 2008 and has 4.6 million listeners across 140 countries.
Episodes
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Nov 4th: When AI Agents Control the Money: Digital Cash Turns Software into Economic Actors with Cristiano Ventricelli at Moody’s Rating
Artificial intelligence is rapidly moving from answering questions to taking actions. Yet there is an important difference between an AI system that tells a treasurer what to do and one that can move the company’s money.
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Sept 22nd: From Wallet Data to Evidence: How AI is Rewriting Source of Wealth with Liande Visscher Founder and CEO of BARP
blockchain technology is giving compliance teams a new evidence layer for ‘source of wealth’ and ‘source of funds’ investigations whilst AI is helping turn vast transaction histories into understandable, auditable narratives. But neither technology removes the need for human judgement. Wallet...
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Sept 29th: Google Sold the First Page: AI Agents Will Buy Without Seeing It
Search websites trained people to pick from ten blue links, but AI agents will not shop that way. They will look up signed facts about who can do the work, who is in charge of the software and whether insurance cover sits behind a mistake. Brand, ads and search tricks were built for human eyes…
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Sept 16th: The Wizard of OZ Was Really About US Stablecoins ft: Antony Abell, CEO & Co-founder of the TPX Property Exchanges Group
The Wizard of Oz, written in 1900, can now be taken as being an antecedent to the story of US stablecoins. Not the yellow brick road but the road to US stablecoins: from redeemable gold to redeemable digital currencies. The evolution of the US dollar, from Civil War, era redeemable banknotes to...
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Sept 9th: Stablecoin Economics Have Shifted: Institutional Strategy Should, Too featuring Sonali Gupta, Research Lead at AMINA Bank AG
Europe has entered its first post-MiCA implementation phase whilst Washington pushes to finalise the CLARITY Act as part of a broader bid to strengthen US leadership in digital assets. With the regulatory foundations solidifying, the more pressing question is how institutions should rethink their...
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Sept 2nd: MiCAR - A Journey Not a Destination with Breige Tinnelly at Reed Smith
MiCAR gave Europe a common regulatory framework for crypto-assets but implementation has exposed continuing challenges around licensing, token classification, whitepapers, legacy assets and regulatory consistency. The European Commission’s 2026 review reflects this evolving landscape whilst gaps...
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Aug 18th: How Lawyers Recovered $1.5 Million in Stolen USDC in Just 9 Working Days ft: Matt Green, Director and Head of Blockchain and Digital Assets at the Law Firm Lawernce Stephens
How lawyers, investigators and blockchain forensic firms helped recover 1.5m USDC within nine working days from being instructed through to recovery, and how the most “nuclear” of legal tools can be used to secure fast and substantial results. Click here to read the full article
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Aug 25th: Two Financial Worlds Are Colliding with Nicholas Daniel
Humans tolerate cut-off times, logins, reconciliation delays and T+1 settlement. Agentic AI does not naturally operate that way. It works continuously - searching, negotiating, contracting, monitoring collateral and initiating transactions around the clock. This makes programmable…
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What Attracts Trillions? Why Tokenisation Could Decide the Future of Global Wholesale Finance with John Bertrand, Director at On Demand Payment Technologies
The global race to tokenise wholesale financial markets has begun. Foreign exchange, government bonds, derivatives, repo and private assets are moving towards programmable, always-on financial infrastructure measured in trillions of dollars. The UK starts from a position of exceptional strength,...
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July 22nd: Guided Autonomous AI: Why the Smartest AI Will Not Win, But the Most Trusted One Will. with: Nina Stewart and Jamil El-Imad of Astrea
Artificial intelligence is rapidly evolving into an autonomous economic actor capable of negotiating contracts, allocating capital and initiating payments. But as AI gains greater capability, the defining challenge is no longer intelligence - it is authority. This article introduces guided...
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The AI Dollar Takeover: Why Agentic Agents Could Make the US Dollar More Powerful Than Ever with David Parsons
The next wave of dollarization may not be driven by people, banks or governments. It will be driven by Agentic AI agents. As AI systems increasingly manage payments, trade, treasury functions and investment decisions, they are likely to favour stable, yield-bearing Agentic USD over local…
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Agentic Dollars and the New Currency War: Can Central Banks Compete With Programmable Money? w/ David Parsons, London Digital Escrow
The rise of Agentic Dollars marks a new phase in the evolution of money, where stablecoins, artificial intelligence and programmable finance begin challenging the traditional power of central banks. As AI agents increasingly transact in digital dollars, monetary sovereignty, policy effectiveness...
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July 1st: How Law and Regulation Are Responding To Technological Change In Digital Assets and Money: What Does It Mean For Businesses? with Brett Hillis, Partner Reed Smith LLP
As stablecoins, CBDCs, tokenisation and AI-driven commerce move from theory to reality, businesses face a rapidly changing regulatory landscape. Whilst the US embraces private digital money through stablecoins and China doubles down on state-controlled digital currency, the UK and Europe are...
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The Blind Spot in Modern Finance: Why Central Banks Need Visibility Into Agentic Dollar Flows with David Parsons
The traditional financial system, for all its complexities, has historically provided central banks and state treasuries with a relatively clear picture of economic activity. Commercial banks, payment processors and regulated financial institutions act as intermediaries, generating data trails…
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June 16th: UK Stablecoin Regulation: The Time Is Now w/ Professor Sarah Green
The regulation of stablecoins has emerged as one of the most pressing issues in UK financial law and policy, and the time for decisive action is now. Designed to maintain stable value by reference to fiat currency or other assets, stablecoins sit at the intersection of payments, banking…
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June 10th: The Next Banking War Is Not About Money: It Is About Identity with Dan Feaheny
Artificial intelligence is rapidly evolving from a tool into an autonomous actor capable of trading, managing capital and executing transactions. Yet the internet was never designed with a trusted identity layer for machines. As AI agents increasingly move both information and value, a…
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June 3rd: Not Your Keys, Not Your Justice: How Self-Custody Is Breaking Traditional Asset Recovery w/ James Ramsden KC
As self-custody wallets and decentralised exchanges rapidly grow, legal recovery of Bitcoin and stablecoins is becoming dramatically harder. Over 580 million crypto users globally now increasingly control assets directly through private keys rather than regulated intermediaries, while DeFi…
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May 27th: Why Banking Was Faster in Roman Times: How Stablecoins Are Reviving Ancient Financial Efficiency w/ David Parsons at London Digital Escrow Limited
Ancient Rome built one of history’s most efficient financial systems through trusted networks, standardised currency and rapid cross-border settlement. Today, USD stablecoins and agentic payment systems are reviving many of those same principles by enabling near-instant programmable transactions...
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May 13th: Time is the Risk: Why Crypto Insurance is Mis-priced at Blockchain Speed with Freddie Palmer, Head Blockchain and Digital Assets at Howden Group
Crypto insurance is being fundamentally mispriced because it fails to reflect the speed and irreversibility of blockchain-based losses. Traditional underwriting assumes slow, assessable events, but, in crypto, loss unfolds in minutes and recovery windows close rapidly. As a result, response speed...
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May 20th: The Workforce Gap That Could Break Financial Services: AI, Tokenisation and the Missing Talent Layer w/ Declan Sheehy
Remarkably, the most compelling argument for reskilling your workforce is not about people at all but about pure economics. On this episode of The Digital Byte Show, where Jonny Fry and James Tylee sits down with guest Declan Sheehy, a veteran with over 26 years in financial services including 18...
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May 7th: Mate With the T-REX or Be Devoured: Why the UK & Europe Need a Strategic Partnership With the Agentic US Dollar w/ Tom Francis from London Digital Escrow
Imagine transferring money internationally in seconds instead of waiting three to five days. That is the future Tom Francis, a former British Army officer turned tech strategist, believes is not just possible but imminent. Joining James Tylee and Jonny Fry, Tom breaks down why UK and European...
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April 29th: Why Lawyers Must Rethink Digital Asset Escrow w/ David Parsons at London Digital Escrow
Imagine completing a sterling-to-dollar transfer in seconds for just two basis points. That kind of speed and efficiency is now possible, and it is forcing lawyers and financial professionals to completely rethink how escrow works in the modern economy. David Parsons from London Digital Escrow...
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April 22nd: The End of Client Accounts: How Tokenisation and AI Are Forcing a New Legal Infrastructure w/ John Bertram, Director at On Demand Payment Technologies
Rarely does a single conversation connect 1980s Citigroup trading floors to the future of programmable money so compellingly. John Bertrand, director at On Demand Payment Technologies, joins hosts James Tylee and Jonny Fry to trace how decades of financial infrastructure work have led us to this...
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April 15th: Agentic AI Is making Zillow, Rightmove and Zoopla Obsolete: The Collapse of Software as a Service (SaaS) Property Aggregators w/ James Tylee
Imagine bypassing Zillow entirely and letting your personal AI agent find, compare, and handle the paperwork on your next home. That future is closer than most people realize, and it's the core of this fascinating conversation between Jonny Fry of Team Blockchain and James Tylee, founder of...
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April 8th: Wall Street Goes On-Chain: Nasdaq’s Tokenization Pivot May Force a New Kind of Transparency w/ Jason Meyers Creator of Pacioli.ai
Nasdaq’s move to enable tokenised equity trading within DTCC infrastructure signals that blockchain settlement is shifting from crypto experiment to core capital-market plumbing. If the world’s deepest and most liquid market adopts programmable securities and near-continuous trading, global...
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April 1st: The Bank of England’s Stablecoin Regime is Already Dead: UK Companies are Settling £ Trillions Without Sterling, So Has the Bank Just Regulated a Ghost? Ft: Erich Schoeckel of 2Tokens
English law has never required sterling/legal tender to settle obligations. Precursor to the Bank of England, the 1694 National Land Bank failed, but its idea of using assets as payment lives on through freedom of contract. Corporates are able to legally settle £trillions in tokenised property,...
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March 25th: Stablecoins and the Banking System: What Happens to Bank Deposits? With: Lamine Brahimi, Co-Founder, Taurus
As stablecoins move into regulated mainstream finance, they are shifting from crypto gateways to always-available digital cash for payments, settlement and treasury use. This raises a critical question: how much transactional liquidity could migrate away from bank deposits - traditionally the...
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March 17th: Designing Digital Money for a Fragmented World with Christopher Woolard, Chair, EY Global Regulatory Network
Digital money is increasingly shaped by national policy and regulatory design. Whilst authorities are converging on some core principles, they are diverging in how those principles are applied - with implications for organisations seeking to scale across borders. This article explores how...
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March 10th: Programmable Money in Practice w/ Markus Bergvinson,
Tokenised money has moved from a niche crypto application to a central consideration for institutional finance and public policy. Across stablecoins, tokenised deposits, CBDCs and money market funds, differing design choices shape risk, usability and regulatory treatment. The evolving landscape...
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March 3rd: AI Agents and the Future of Real Estate Acquisition in London with Charlotte Hill, Partner, Penningtons Manches Cooper LLP
AI agents and the future of real estate acquisition in London - London’s property market remains one of the world’s most valuable, but it is still too often slow, opaque and labour intensive. Transactions can take months, depend on fragmented data and require a choreography of intermediaries…
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March 11th: Soapbox! Not Your Keys, Not Your.... Asset?
When James Tylee and Johnny Fry dig into digital wallets and crypto custody, they land on something pretty interesting: that old crypto mantra "not your keys, not your crypto" is fading fast. More people are trusting big custodial companies with their assets instead of managing their own wallets,...
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Copy Trading: Why Is the Market Growing So Fast? - with James Tylee
Copy trading lets you mirror professional traders automatically, select who to follow, adjust allocation, and stop anytime, while retaining full control and responsibility for your account. No one else accesses your funds. It democratizes elite strategies via AI and enables 24/7 trading allowing...
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Jan 28th: Why Wall Street’s Latest tokenization Rush Will Fail Without Market Readiness with Mike Foy, CFO, Amina Bank
Wall Street’s new tokenization wave will stall without market readiness. A Swiss tokenized gold product failed because gold buyers rejected digital wrappers and crypto investors ignored gold. Infrastructure can fix custody and settlement, but adoption requires aligning blockchain’s 24/7 markets...
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Jan 7th: When Game Worlds Think For Themselves: How AI Agents and Web3 Are Rewriting Play, Work and Value ft: Dr Jane Thomason Leader in AI, Web3, Gaming & Digital Transformation
Online gaming is mutating from entertainment into a self-organising digital economy. AI agents now design worlds, manage resources and shape narratives in real time, while Web3 anchors ownership, governance and value on chain. The impact is profound: games become laboratories for autonomous...
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Jan 21st Why Lawyers Will Be Human Oracles for AI Agents w: David Parsons, TPX Property Exchanges
In 2026, the proliferation of autonomous AI agents marks a paradigm shift from “reactive” tools to “proactive” systems. Whilst AI excels at mechanics and volume, it falters in moral ambiguity and real-world certification. Lawyers serve as “human oracles” - indispensable interpreters who provide…
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Jan 14th: Programmable Privacy: Balancing Confidentiality and Transparency in Tokenised Finance with Alex Bausch of 2Tokens
Programmable privacy reshapes financial infrastructure by enabling institution-grade confidentiality on public or shared ledgers. Banks, asset managers and market venues can prove compliance (AML, KYC, solvency, reporting) without exposing trading strategies, customer data or collateral…
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Dec 24th: The Paradox of Digital Property: Why Legal Recognition Doesn't Guarantee Liquidity with Jonathan Bloom, Author of BLINDSPOTS
When a seasoned lawyer loses his own business despite two decades of advising on major international transactions, something profound shifts. This episode features a former Legal Partner turned Entrepreneur who discovered that sophisticated founders face predictable blind spots—patterns that...
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Dec 17th: 330 Years of Tokenised Property as Legal Tender: From 1696's National Land Bank Gamble to Bockchain's Revolution ft: David Parsons, TPX Property Exchanges
In 1696, England attempted the world’s first tokenised property system, turning land into state-mandated legal-tender bills to rescue a collapsing monetary system. The National Land Bank failed, but its blueprint echoes today’s blockchain revolution. As the UK pushes toward a projected $4trillion...
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Dec 10th: Driving Public Blockchain Integration in Banking with Lewis McLellan, Digital Monetary Institute Editor, OMFIF
Public blockchains are moving from experimental rails to components of regulated financial infrastructure, but adoption remains constrained by legacy policy frameworks. Institutional tokenisation is gaining traction (Franklin Templeton, Apollo and others now issue blockchain-native funds) as...
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Dec 3rd: Why Automation, and Not Liquidity, Will Decide Tokenisation’s Future with Philipp Pieper, co-founder of Swarm Markets
Tokenisation has long been judged through the DeFi lens of total value locked (TVL) but for real-world assets, equities, gold, treasuries (already supported by deep liquidity) TVL is a false signal. The real innovation is automation: the ability for on-chain smart contracts to execute real-world...
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Nov 26th: Insured Reality: How Blockchain and Insurance Will Redefine Property Ownership with Reid A. Winthrop, Managing Partner, Winthrop Law Group, PC
Reid Winthrop returns to explain how insurance isn't just a safety net—it's the key to unlocking blockchain's real estate revolution. Did you know that insurance has been foundational to modern finance since 1710, when Sun Fire Office property owners displayed plaques to receive fire brigade...
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Nov 19th: Crypto Recovery in the UK: Policing and Private Recovery Mandates with Matt Green, Director at Law Firm and Richard Daws, Founder and CEO at insurer, Redefind
Crypto recovery in the UK sits at a crossroads: increasingly sophisticated crime on one side, and rapidly evolving legal and policing capabilities on the other. Recovery-room scams remain rampant with fraudsters posing as experts to re-victimise those already defrauded, whilst social-engineering...
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Nov 12th: Tokenisation at the Crossroads: Reshaping Capital Markets Amid Regulation and Innovation
What if you could slice up your house like a pizza and sell pieces of it? That's essentially what tokenization is doing to financial markets right now. James Tylee breaks down how blockchain is transforming everything from stocks and bonds to real estate and gold. The numbers are staggering:...
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Nov 5th: Lost Keys, Lost Fortunes: The Inheritance Crisis of Digital Assets featuring Reid A. Winthrop, Managing Partner, Winthrop Law Group, PC
Here's something that should keep you up at night: what happens to your cryptocurrency and digital assets when you die? Reid Winthrop, managing partner at Winthrop Law Group, and David Parsons joined hosts James Tylee and Jonny Fry to tackle this increasingly urgent problem. As property,...
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Oct 29th: Tackling the £58 Billion Corporate Actions Problem w/ Jeffrey Mushens, Head of Proposition at TURN
Each year, global finance spends £58 billion on corporate actions processing, with costs rising 10% annually and automation below 40%. Reliance on manual validation, fragmented systems and inconsistent data flows results in widespread inefficiency, high risk and unnecessary expense. Recent…
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Oct 21st: Bridging the Digital Continuity Gap: Why Blockchain Belongs at the Core of Business Resilience w/ Emily Landis Walker, CEO Landis & Co
Digital disruption is the new business threat. Old continuity plans focused historically on fires, floods or server outages but, today, centralised failure can mean billion-dollar crypto collapses, regulatory shockwaves or code bugs that freeze assets overnight. Decentralised blockchains flip the...
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Dollarization Benefits for London Property
If US dollar stablecoins such as USDT or USDC take over London’s £5-50 million prime property market, the Bank of England could lose control over one of its richest asset classes. Foreign buyers could move capital instantly, bypassing sterling, whilst estate agents’ market in US dollars and…
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Oct 8th, 2025: Are We to See Dollarization of the UK? The Bank of England's Struggle with the USD Stablecoin Revolution w/ James Tylee
Could Britain accidentally become financially American? The Bank of England governor's shocking endorsement of stablecoins in the Financial Times has sparked a fascinating debate about the UK's potential "dollarization." James Tylee, a Wall Street veteran with 20 years of algorithmic trading...
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Sep 24th: From E-commerce to D-commerce: Why the Future of Trade is Decentralised with Helen Disney, Founder of Unblocked
AI agents could be handling $1.7 trillion worth of your shopping decisions by 2030 – and Helen Disney, founder of Unblocked, explains exactly how this transformation will unfold. In this fascinating return to Digital Bytes, Disney breaks down the evolution from traditional e-commerce to...
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July 23rd: USD Stablecoins Not Legal Tender - Yet? w/ Kelly Kennedy, Editor-in-Chief, UC Law Science and Technology Journal ft. David Parsons, London Digital Escrow
Stablecoins are increasingly flowing through global payment rails. But here is the catch: in the US, they are still not legal tender - only US coins and Federal Reserve notes qualify. The IRS even classifies stablecoins as property, meaning every payment could trigger capital gains tax. But winds...
About this show
Each week on the Digital Bytes Show, James Tylee, founder Cyber.FM in the USA, talks to Jonny Fry from TeamBlockchain reviewing the latest Digital Bytes. They explore how, where and why Blockchain technology and/or Digital Assets are being used in various industries and jurisdictions globally. Cyber.FM Radio, a product of Distributed Ledger Performance Rights Organization (DLPRO LLC), was established in 2008 and has 4.6 million listeners across 140 countries.
Hosted by
James Tylee / Jonny Fry
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