Is the global financial system undergoing its biggest transformation in modern history? Could blockchain technology, decentralized finance (DeFi), digital currencies and the tokenization of real-world assets fundamentally change how we earn, save, invest and exchange money?

In this fascinating episode of Herstory Revisited, hosts Pamela Millar and Sophie Lapaire welcome Joshua Smeltzer, Forbes contributor, tax attorney and blockchain and digital asset legal expert, to demystify the emerging world.

See Joshua's articles at Forbes magazine: https://www.forbes.com/sites/joshuasmeltzer/d of digital finance.

Watch his podcast: https://youtu.be/VK6mjiXW3sw?is=mbyW9uiUPCxkM9mV

Together, we explore the transformation of the global money supply, the future of banking, the GENIUS Act and what the emerging decentralized economy could mean for everyday Americans.

🌎 LIBERATING THE MONEY SUPPLY: DEMOCRATIZING FINANCE For generations, traditional banks, financial institutions and governments have played central roles in controlling how money circulates throughout the economy. But a financial revolution is underway. Blockchain technology, cryptocurrencies, stablecoins and decentralized financial networks are creating new possibilities for peer-to-peer transactions, global payments, financial inclusion and digital ownership. Could these innovations make financial services more accessible, efficient and transparent? Or will traditional financial institutions simply gain new tools for controlling the system?

🔗 BLOCKCHAIN EXPLAINED: HOW DOES IT ACTUALLY WORK? Forget the confusing technical jargon! Joshua helps us understand the fundamentals of blockchain technology and why it matters beyond Bitcoin. Discover how distributed ledgers, digital assets and programmable transactions could transform banking, international trade, investment markets and financial services.

We explore the essential terminology everyone should understand: 🔹Blockchain: The digital ledger technology behind cryptocurrencies and other applications.

🔹 Smart Contracts: Programs that automatically execute transactions when predefined conditions are met. 🔹 Altcoins: Cryptocurrencies other than Bitcoin, including tokens designed for different applications. 🔹 Stablecoins: Digital currencies designed to maintain a stable value, often linked to the U.S. dollar. 🔹 DeFi: Decentralized finance applications that provide financial services through blockchain-based systems. 🔹 Tokenization: Representing ownership or rights associated with real-world assets using digital tokens. 💵 THE GENIUS ACT OF 2025: WHAT CHANGES IN 2027? The GENIUS Act, signed into law in July 2025, establishes the first comprehensive federal regulatory framework for payment stablecoins in the United States. But what does it actually mean for consumers? Will stablecoins transform payments and international money transfers? Could digital currencies reduce transaction costs and expand financial access? How will banks, businesses and government regulators adapt? And what protections will consumers have in this emerging financial environment? 🏠 THE TOKENIZATION OF EVERYTHING: A NEW FINANCIAL FRONTIER Imagine a world where real estate, stocks, bonds, commodities, artwork and other real-world assets can be represented digitally and traded through blockchain networks. Tokenization could create opportunities for fractional ownership, more efficient transactions, global investment access and new forms of financial participation. But who will own these digital assets? Who will regulate the platforms? And how will ordinary people navigate this increasingly complex financial landscape? We explore the opportunities, risks and unanswered questions surrounding the tokenization of real-world assets (RWA).

⚡ THE FUTURE OF MONEY IS EVERYONE'S BUSINESS You don't need to be a cryptocurrency investor or financial expert to understand why these changes matter. From retirement accounts and personal savings to banking, small businesses, international commerce and everyday purchases, digital finance could eventually affect nearly every aspect of our economic lives. Is decentralization truly democratizing finance—or simply rebuilding the old financial system on new technology? Join us for an accessible, thought-provoking conversation about financial innovation, blockchain regulation, the GENIUS Act, digital assets and the future of the global economy.

🔔 Subscribe and join Pamela and Sophie as we question conventional narratives and explore the extraordinary changes shaping our future.

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