“It is dangerous to be right in matters where established men are wrong”
-Voltaire, 1752
At Decentralised is at the forefront of the blockchain revolution.
We prioritise
Investment opportunities that promote individual & corporate financial freedom.
We are:
A Strategic advisory services, helping clients navigate the complexities of digital assets while emphasising the importance of self-custody.
We have
A mission is to democratise finance by offering solutions that are not only secure but also align with the ethos of personal sovereignty, enabling clients to manage their wealth without reliance on traditional financial intermediaries.
Through education, investment, and advocacy,
Decentralised is committed to fostering a new era of financial independence powered by blockchain technology.
At Decentralised we don’t offer financial advise, we do however offer strategies to hold a percentage of your wealth in a decentralised system
We can offer advise on how to hold your crypto assets in your own wallet. Offline or {cold} wallet safe storage and other options for non-custodial safe keeping
Knowledge of the Crypto markets empowers you towards having sovereign wealth and creates a hedge against inflation.
This service provides training and development to enhance personal wealth, equipping you with the tools & knowledge to contribute to wealth goals.
Decentralised offers a free data base of Crypto knowledge base. This service allows you get deep into the cryptoverse.
Cyprus faced a severe banking crisis in 2012–2013, triggered by the GFC and Greek debt exposure.
The 2013 bailout and the unprecedented depositor “bail-in” and the subsequent reshaping of the banking sector caused significant economic and social disruption. The government, while stable, lost public trust due to the crisis’s mis-management, leading to a change in leadership in 2013.
However it was the Confiscation of Money from Personal Accounts that woke a lot of people up to the actual nature of banking.
The bail-in was effectively a forced seizure of funds from personal and corporate bank accounts above €100,000 Unlike a tax, the confiscated funds were either written off or converted into bank shares, offering little immediate liquidity to affected depositors.
Some Key Figures
- Total Bail-in Amount: ~€4–5 billion from uninsured deposits.
- Laiki Bank Losses: 70–80% of uninsured deposits (>€100,000) lost.
- Bank of Cyprus Losses: ~47.5% of uninsured deposits converted to shares or frozen.
- Capital Controls Duration: March 2013–April 2015.
- Limits on daily cash withdrawals (initially €300).
- Restrictions on transferring money abroad.
- Caps on credit card transactions.
These controls applied to all accounts, even those unaffected by the bail-in, causing widespread disruption for individuals and businesses. Capital controls were gradually lifted and fully removed by April 2015.
The key takeaway at the time was an understanding that your bank account was not really yours. The Government could take your savings and limit any withdrawal, ultimately the use of your money is only with the permission of your government of the day.
Enter Bitcoin in 2009, and with the very first on the Genesis Block containing the now-famous Times of London newspaper headline message “The Times 03/Jan/2009 Chancellor on brink of second bailout for banks“. and so for the first time in history, every person has financial sovereignty. Private property can now truly be controlled by the owner, and nobody else.
The rules of finance, and our economic relationships, now become set and regulated by markets instead of by politicians; by the individual, not the collective. The value of one’s savings now cannot be reduced through inflation and debasement. Trade between individuals is now the business of only those individuals. Money has been separated from the state.
knowing that Bitcoin could actually transform the global economy by addressing the flaws of the current financial system.
Bitcoin is a digital currency, created in 2009 by an anonymous figure (or group) called Satoshi Nakamoto. Unlike traditional money issued by governments (like the U.S. dollar), Bitcoin exists only electronically and operates on a decentralised network of computers. Think of it as a kind of “internet cash” that isn’t controlled by any central bank, government, or company.
What exactly is Crypto? + How would you explain Bitcoin and blockchain to someone who is hearing about them for the first time?
Bitcoin was the first cryptocurrency, but now there are thousands (e.g., Ethereum, Ripple, Solana). A cryptocurrency is any digital currency that uses cryptography—secure math-based code—to ensure transactions are private, authentic, and can’t be counterfeited. Most cryptocurrencies run on their own blockchains, each with unique features (e.g., Ethereum supports “smart contracts” for automated agreements/ contracts).
How many crypto currencies are there?
Thousands
Which are the main ones?
Bitcoin, Ethereum, Solana, Ripple, Polkadot, LTC + Stable Coins (USDT + USDC)
It is a shorthand for the cryptography that underpins it. Cryptography secures transactions and ensures the integrity of digital currencies like Bitcoin or Ethereum. It uses mathematical algorithms to encrypt data, verify identities, and prevent tampering in decentralised systems without relying on central authorities.
Who started Crypto? When did Crypto commence? How did that name come about?
In Bitcoin’s early days (2009–2013), the term “cyberpunks” often referred to the tech-savvy, libertarian-leaning, and crypto-anarchist communities that embraced Bitcoin’s decentralised vision. These were coders, hackers, and cryptography enthusiasts inspired by the original cyberpunk ethos of the 1980s sci-fi movement—think distrust of centralised authority and a passion for tech-driven freedom.
Key players included:
Satoshi Nakamoto, Bitcoin’s pseudonymous creator, whose white-paper (2008) and early forum posts on Bitcointalk.org resonated with cyberpunk ideals of privacy and financial sovereignty.
Early adopters like Hal Finney, a cryptographer who received the first Bitcoin transaction, and Gavin Andresen, who helped develop Bitcoin’s software.
Why did they start it?
To address the flaws of the current centralised inflationary fiat monetary system— or the government-issued money which has not been backed by a physical commodity like gold since the Nixon Shock of 1971, when the U.S. abandoned the gold standard, creating a global system of unbacked fiat currencies. This shift, enabled central banks and governments to manipulate money supply through practices like quantitative easing (QE) and zero interest rate policies (ZIRP)
Bitcoin’s early adopters—tech enthusiasts and libertarians—saw it as a way to bypass banks and governments.
Now, with institutional adoption (e.g., BlackRock’s Bitcoin ETF & Government adoption as a reserve asset), it’s creeping into mainstream finance.
A quick comparison the consequences of our current centralised inflationary fiat monetary policy to a decentralised deflationary monetary policy, particularly in the context of an the emerging AI-driven economy, involves analysing their mechanics, incentives, and impacts on economic behavior, wealth distribution, and technological adoption.
A system where central banks (e.g., Federal Reserve, ECB) control the money supply, typically increasing it to stimulate growth, resulting in inflation (decreasing purchasing power over time).
Mechanics
Money Creation: Central banks print money or adjust interest rates, expanding the money supply.
Inflation: Prices rise as more money chases goods/services, eroding currency value.
Centralised Control: Policy decisions are made by government or banking authorities.
Consequences Economic Behavior:
Encourages Spending/Borrowing: Inflation penalises saving, as money loses value, pushing consumption and debt.
Asset Price Inflation: Stocks, real estate, and commodities rise in nominal value, favouring asset owners.
Short-Term Focus: Businesses and individuals prioritise quick returns to outpace inflation.
Wealth Distribution:
Widens Inequality: Asset holders and those with access to credit benefit; savers and wage earners lose purchasing power.
Cantillon Effect: New money benefits those closest to its creation (e.g., banks, elites) first.
Systemic Impacts:
Debt Growth: Encourages public/private borrowing, increasing systemic fragility.
Currency Devaluation: Persistent inflation risks eroding trust in fiat, especially in crises.
Boom-Bust Cycles: Loose policy can fuel bubbles, followed by corrections or recessions. For example: The US dollar has lost approximately 96.91% of its purchasing power from 1913 to 2025, meaning $1 in 1913 is worth just 3.09 cents today. This reflects the cumulative impact of inflation under centralised fiat monetary policy, driven by money supply growth and policy decisions. Since the gold standard’s end in 1971, the loss is still significant at ~87.35%. These figures highlight the long-term erosion of the dollar’s value, a key consequence of inflationary fiat systems.
A system with a fixed or slowly growing money supply, often associated with cryptocurrencies like Bitcoin, leading to deflation (increasing purchasing power over time).
Mechanics
Fixed Supply: Money supply is capped or predictable (e.g., Bitcoin’s 21 million coins).
Deflation: Limited money supply with growing demand lowers prices over time.
Decentralised Control: Rules are enforced by code and distributed networks (e.g., blockchain)
Consequences Economic Behavior:
Encourages Saving: Deflation rewards holding money, as its value grows, reducing consumption.
Discourages Borrowing: Loans are repaid with more valuable money, deterring debt.
Long-Term Focus: Businesses prioritise sustainable investments over speculative ventures.
Wealth Distribution:
Favours Early Adopters: Those who acquire deflationary assets early gain as value rises, creating new wealth hierarchies.
Reduces Cantillon Effect: Transparent money creation limits favouritism toward elites.
Access Gaps: Those without access to decentralised systems may be excluded, risking inequality.
Systemic Impacts:
Economic Slowdown: Reduced spending can lower economic velocity, potentially causing stagnation.
Volatility: Decentralised assets are prone to price swings, complicating their use as stable currency.
Regulatory Resistance: Governments may oppose systems that undermine fiat control.
Conclusion
Centralised Inflationary Fiat: Promotes growth through spending and borrowing but exacerbates inequality, debt, and instability. It suits economies reliant on consumption but risks long-term erosion of trust.
Decentralised Deflationary Policy: Encourages saving and sustainability but may hinder growth and faces adoption challenges. It appeals to those seeking independence from centralised control but risks exclusion and volatility.
Additionally with the inflationary fiat system as fundamentally incompatible with the deflationary forces of technology, resulting in inequality, instability, and unsustainable debt. Bitcoin, with its decentralised structure and fixed supply, offers a way out—a currency that could harness technology’s potential for abundance while dismantling the flaws of the old order.
Because it’s a fundamental shift from debt-based fiat money to a Bitcoin standard or “hard money”—where money is decentralised, permissionless, and rooted in personal sovereignty—I feel it would fundamentally reshape communities, economies, and cities as they would likely become more autonomous, resilient, and value-oriented, with cities blending cutting-edge tech (blockchain, renewable energy) and timeless principles (durability, public space). Life would demand more responsibility—your keys, your coins—but offer unmatched freedom. The transition, though, could be messy, with winners and losers as fiat’s distortions unwind. Still, the endgame might feel like a modern Renaissance, grounded in sovereignty and trustless exchange.
Is Crypto a fad?
In my humble opinion it’s definitely not a Fad, it’s a revolution and the separation of State and Money
Summary of Recent Crypto Regulatory Changes and Adoption (as of May 15, 2025)
Regulatory Changes:
U.S. Banking: Restrictions lifted, allowing banks to custody and transact Bitcoin and stablecoins without prior approval; SAB-121 repealed, easing balance sheet rules.
U.S. DOJ : Disbanded crypto enforcement unit, shifting oversight to regulators, suggesting lighter enforcement.
Executive Order: Trump’s Jan 2025 order created a task force for crypto regulation, aiming for new rules by Feb 2026.
U.S. Treasury/IRS: Excluded non-custodial entities (wallets, DeFi) from broker rules, reducing reporting burdens.
State-Level: New Hampshire’s HB 302 (effective July 2025) allows up to 5% of state treasury in Bitcoin.
Institutional Adoption:
Bitcoin and Ethereum spot ETFs approved (Jan/May 2024), driving institutional investment (e.g., BlackRock holds 51.7% of BTC ETF assets).
Institutions globally increased crypto allocations in 2024, with Ethereum-based funds like BlackRock’s BUIDL growing.
Regulatory clarity fuels confidence, though some barriers (e.g., trusted partners) persist.
Government Adoption:
U.S.: Proposed BITCOIN Act for a 1M BTC strategic reserve; Trump supports mining incentives and potential tax exemptions.
State: New Hampshire pioneers state-level Bitcoin reserve.
Global: Limited direct government adoption; regulatory frameworks evolve but focus on oversight, not asset holding.
In the future will Crypto be a part of investment portfolios (similar to what Gold has been) or is its place in the payment systems?
Cryptocurrencies like Bitcoin and Ethereum are poised to play significant roles in both investment portfolios and payment systems, but their future leans more toward portfolio integration, akin to gold, than dominating payments.
Portfolio Role: Bitcoin’s fixed 21 million supply and Ethereum’s deflationary model (via EIP-1559 fee burning and proof-of-stake) position them as hedges against fiat’s flaws—$315 trillion global debt, 3–5% inflation, and inequality.
Institutional adoption (e.g., $50 billion in crypto ETFs) and regulatory clarity (e.g., U.S. Bitcoin ETFs, 2023) suggest 3–10% portfolio allocations by 2030, rivaling gold’s 2–10% share. Volatility and regulatory risks remain hurdles. Payment Role: Crypto’s speed and low fees (e.g., Bitcoin’s Lightning Network, Ethereum’s layer-2s) suit remittances and DeFi, with $500 billion–$1 trillion in annual transactions projected by 2030 (5–10% of global payments). However, scalability limits (Bitcoin’s 7 TPS vs. Visa’s 65,000), volatility, and CBDC competition curb mass adoption.
Conclusion: Crypto will likely be a portfolio staple, driven by fiat’s crises, but remain a niche payment system due to technical and regulatory challenges.
Will Central Banks get involved and regulate Crypto defeating its purpose?Central banks will try to regulate crypto with KYC/AML and stablecoin oversight by 2030, potentially limiting privacy and payment adoption but not defeating its core purpose.
Decentralisation and fiat alternative roles will persist, especially in portfolios (5–10% allocations, akin to gold) and niche payments (5–10% of transactions, e.g., remittances), driven by Bitcoin’s resilience and Ethereum’s DeFi. Heavy regulation or CBDC dominance could centralise crypto, but its 220 million users, $2.5 trillion market, and technological evolution (e.g., Lightning, Ethereum’s layer-2s) make total suppression unlikely.
The most positive outcome for crypto is its transformation into a global portfolio staple (15–25% allocations, $5–10 trillion Bitcoin market cap) and a dominant payment system (30–50% of $2–3 trillion in transactions), displacing fiat’s $400 trillion debt-driven system. Bitcoin and Ethereum lead, leveraging scalability (1 million TPS), regulatory coexistence (50+ crypto hubs), and fiat’s collapse (10% inflation).
The Challenges—regulation, centralisation, inequality—are overcome by privacy tools, global adoption, and technological leaps. Crypto becomes the backbone of a decentralised, abundant financial system, countering fiat’s flaws and realising its revolutionary potential.
