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DeFi: The Financial System With No Head Office

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Let me start with a confession. “Decentralised finance” is one of those phrases flung about constantly and explained clearly rarely. It sounds important. It sounds technical. And a great many of the people nodding along to it in conversation are doing precisely that nodding along. I was one of them for an embarrassingly long time.

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Twenty-Four Years. Then One Decision Epilogue

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The journey from that redundancy letter to where I stand today has not been linear. There have been false starts. Recalibrations. Days of genuine doubt, when the safety of the old life looked almost appealing set against the uncertainty of building something new; days when I caught myself idly wondering what the old team was

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Twenty-Four Years. Then One Decision – Part 4

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There is something nobody prepares you for when you leave a long career. Not the paperwork. Not the practicalities. Not even the identity crisis, though that arrives reliably enough, usually around week three, when the novelty wears thin, and the silence gets loud. What nobody prepares you for is the temptation to go back. Not

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Twenty-Four Years. Then One Decision – Part 3

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When the offer came, I was not entirely sure what I expected to feel. Shock, perhaps. Anger. That particular sting of being told a role you have given years of your life to is no longer required the small, undignified indignation of it. What I actually felt, sitting at the kitchen table with that letter

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Twenty-Four Years. Then One Decision – Part 2

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There comes a point, and I do wish somebody had told me this a decade earlier, where the question is no longer whether you can do the job. It is whether the job is still doing anything meaningful for you. For a very long time, I confused capability with purpose. I was still good at

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Twenty-Four Years. Then One Decision.

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On leaving a career that no longer fits, finding the courage to start over, and building something that is entirely, unapologetically mine. Twenty-four years in corporate. When I say it out loud, it still surprises me. That is not a phase, and it isn’t a chapter. That is a substantial portion of one life, handed

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The Blockchain Series – Part 4

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Part 4 of 4: what blockchain is genuinely good for, and what it is not. Here is the part nobody leads with, because it doesn’t sell tickets. Blockchain is slow. It is expensive. It is fragmented into hundreds of chains that cannot speak to one another. Seventeen years after the first block was mined, it

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The Blockchain Mini Series – Part 3

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Part 3 of 4: When the ledger stops recording and starts doing. Bitcoin proved that a shared ledger could record who paid whom without a soul in the middle vouching for any of it. Which is a marvellous achievement, and also, if you and I are going to be honest with one another, a rather

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The Blockchain Mini Series – Part 2

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Part 2 of 4: why nobody can rewrite the past, and why nobody wants to. The shared notebook is brilliant, until somebody picks up an eraser. That is where we left off: a public ledger, copied across thousands of computers, readable by anybody who fancies a look. Wonderful feature. Rather obvious problem. If everyone can

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Blockchain The Mini Series – Part 1

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How do you send money to a stranger on the other side of the world no bank, no middleman, and still be certain that nobody cheated? That is the question which invented blockchain. And I’d like to walk you through the answer slowly, because it is genuinely one of the more beautiful ideas of the

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©2026 The Jacqueline Brand Limited. Registered in England and Wales, company number 17256775. Registered office: 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ. Content is for educational purposes only and does not constitute financial advice.

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