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  • Episode 6: Programmable Finance in Action: Case Studies That Signal the Future

    Episode 6: Programmable Finance in Action: Case Studies That Signal the Future
    2025/08/19

    In this episode of The Smart Money Stack, Rameez Ali breaks down three powerful case studies that demonstrate how programmable finance is transitioning from theory to reality.

    • Trafigura: How a commodities giant cut payment processing time by 72% through programmable workflows

    • Visa and BBVA: Piloting tokenized deposits and programmable compliance through Visa’s Tokenized Asset Platform

    • Stripe: Expanding stablecoin accounts to 100+ countries and scaling stablecoin payments after its Bridge acquisition

    Beyond the headlines, Rameez introduces two simple frameworks for analyzing developments in programmable finance:

    1. The Layers – Infrastructure, Platforms, Applications

    2. The Lenses – Efficiency, Resilience, Scalability

    Together, they offer a way to understand not just what companies are doing today, but how these moves shape the financial system of tomorrow.

    📖 Inspired by Rameez’s book Programmable Finance: The Future of Money in a Tokenized World, this episode helps listeners see programmable finance as the new operating system for money.

    • (00:03) - Introduction to Programmable Finance
    • (01:56) - Beyond Commodities: Universal Applications
    • (03:20) - Visa's Role in Programmable Payments
    • (04:22) - Stripe and the Rise of Stablecoins
    • (05:23) - Connecting the Case Studies to Programmable Finance
    • (07:33) - The Future of Payments and Finance
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    9 分
  • Episode 5 : Case Study - Visa’s Stablecoin Shakeup: Settling Card Payments

    Episode 5 : Case Study - Visa’s Stablecoin Shakeup: Settling Card Payments
    2025/08/15

    In this episode of The Smart Money Stack, we move from theory to reality with a deep dive into how Visa is using stablecoins to transform card payment settlement.

    We unpack the basics we have already covered, including blockchain smart contracts, tokenization, stablecoins, and agentic AI, and show how they converge in Visa’s groundbreaking stablecoin settlement program.

    You will learn how a payment giant is shifting from decades-old banking rails to blockchain-based settlement, what this means for merchants, banks, and consumers, and why it is a pivotal step toward a faster, smarter, and more transparent financial system.

    • (00:03) - Introduction to Programmable Finance
    • (00:50) - Recap of Key Pillars
    • (03:09) - Visa's Stablecoin Settlement Program
    • (05:36) - Pilot Program with Crypto.com
    • (06:23) - Expanding the Program and Future Implications
    • (06:51) - Challenges and Future of Programmable Finance
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    8 分
  • Episode 4 : Agentic AI - The Basics

    Episode 4 : Agentic AI - The Basics
    2025/08/09
    In this episode of The Smart Money Stack, Rameez Ali, certified blockchain expert, senior executive in the crypto industry, and author of Programmable Finance: The Future of Money in a Tokenized World, dives into the rise of Agentic AI and its game-changing role in the future of finance. Discover how autonomous AI agents, powered by blockchain and smart contracts, can analyze markets, execute trades, settle payments, and even negotiate deals without human intervention. We explore real-world examples, the technology stack that makes them possible, and the opportunities and risks they bring to programmable finance. Drawing on key insights from Programmable Finance, this episode connects the dots between AI, decentralization, and the next generation of money.
    • (00:03) - Introduction to Agentic AI
    • (02:11) - How Agentic AI Works
    • (03:13) - Real-World Applications of Agentic AI
    • (04:21) - Trust and Transparency in AI Management
    • (05:29) - Tokenization and AI Integration
    • (06:33) - Risks and Challenges Ahead
    • (07:20) - The Future of Finance with AI
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    9 分
  • Episode 3: Stablecoins - The Basics

    Episode 3: Stablecoins - The Basics
    2025/08/06
    Join Rameez Ali, a certified blockchain expert, as he delves into the world of stablecoins in the latest episode of the Smart Money Stack podcast. Discover what stablecoins are, their significance in the modern financial system, and the different types that exist, including fiat-collateralized, crypto-collateralized, and algorithmic stablecoins. Learn how stablecoins offer stability, speed, and global reach without the traditional financial intermediaries. Explore real-world use cases like cross-border remittances, DeFi trading, and e-commerce, and understand the regulatory landscape evolving around them. Finally, Rameez discusses the exciting programmability of stablecoins and their role in the tokenized finance ecosystem.
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    9 分
  • Episode 2: Tokenization - The Basics

    Episode 2: Tokenization - The Basics
    2025/08/04
    What if you could own a slice of a luxury condo, a fine art masterpiece, or even a money market fund, all through a digital token? In this episode, Rameez Ali dives deep into tokenization: what it is, how it works, and why it's redefining ownership, access, and value in the digital economy. Anchored in insights from his book Programmable Finance, Rameez explores how tokenization is transforming real estate, finance, carbon markets, and beyond. From fractional ownership to automated income and programmable compliance, this episode breaks down the tokenization stack and what it means for the future of finance. Whether you're a crypto beginner or a fintech professional, you'll walk away with a crystal-clear understanding of one of blockchain’s most powerful innovations.
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    8 分
  • Episode 1, Part 2: Smart Contracts - The Basics

    Episode 1, Part 2: Smart Contracts - The Basics
    2025/08/03
    In this episode, Rameez Ali breaks down the buzz around smart contracts: what they are, how they work, and why they’re transforming industries from finance to real estate. Using everyday examples and insights from his book Programmable Finance, Rameez explains how smart contracts automate trust, eliminate middlemen, and make money truly programmable. Whether you’re new to crypto or brushing up on blockchain tech, this episode will give you a clear, practical understanding of one of the most important innovations powering Web3.
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    7 分
  • Episode 1, Part 1: Blockchain Technology - The Basics

    Episode 1, Part 1: Blockchain Technology - The Basics
    2025/08/03
    Welcome to Episode 1 Part 1 "The Basics of Blockchain Technology", hosted by Rameez Ali, a Certified Blockchain Expert. Dive into the core concepts of blockchain, a revolutionary technology reshaping the landscape of digital trust, value, and ownership. Explore how blockchain serves as a decentralized and transparent ledger, distinct from being merely a foundation for cryptocurrency. Our host dissects the architecture of blockchain, likening it to a shared digital notebook with entries visible to all participants, ensuring no single entity controls the data. Learn how transactions are securely linked through cryptographic hashes, creating an immutable chain that redefines how information is authenticated and recorded. Debunk common misconceptions about blockchain's assumed anonymity and environmental impact, and discover its diverse applications beyond crypto, such as document authentication and land registry systems. This episode sets the stage for understanding blockchain's role in a smarter, more resilient financial infrastructure.
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    8 分