Joel Timothy
Joel is an online privacy advocate, writer, and editor with a special interest in cyber security and internet freedom. He likes helping readers tackle tricky tech and internet issues, as well as maximize the boundless power of the internet.
World
Stablecoins & Cross‑Border Payments: The Quiet Revolution Reshaping Global Finance
In August 2025, a strategic partnership was formed between stablecoin market leader Circle and Finastra, which facilitates an estimated $7 trillion in daily bank-to-bank...
World
Institutional Crypto Adoption & Spot ETFs: How the 2025 Rally Is Being Underpinned by Big Players
After years on the sidelines, many traditional finance giants have begun investing in cryptocurrencies. Small retail investors own just about 9.5 per cent of...
World
The Fragmented Global Crypto-Regulatory Landscape: Why the Financial Stability Board (FSB) Says ‘Significant Gaps’ Remain
The Financial Stability Board (FSB) recently called for a unified approach to cryptocurrency. The G20 watchdog said that there were "significant gaps" in governments'...
Australia
Stablecoins & Financial‑Stability Risk in Australia: What the RBA Warning Means for Investors
In its October 2025 Financial Stability Review, the Reserve Bank of Australia (RBA) has issued a warning that stablecoins pose several financial stability risks...
Australia
Australia’s Digital‑Asset Platforms: Navigating the New ASIC Info Sheet 225 & Licensing Regime
The Australian Securities and Investment Commission (ASIC) has finally released its final update to Information Sheet 225 (INFO 225). The update sets out ASIC’s...
World
AML, Enforcement and Global Sanctions: Cross-Border Crypto Risks Shaped by Recent Regulator Actions
In late October, Canada’s financial crimes regulator, FINTRAC, slapped a $126.14 million fine on Cryptomus for violating money-laundering laws and enabling ransomware payments and...
World
Institutional Flows and Crypto ETFs: What October 2025 Market Activity Signals for Investors and Custody Demand
Exchange-traded funds (ETFs) have rebounded after a mid-October slump that triggered massive outflows. Bitcoin spot ETFs have drawn impressive net inflows, with $202.40 million across...
World
MiCA Compliance Update: EU White Paper Rules and Delisting Risks for Token Issuers
The effects of the Markets in Crypto-Assets Regulation (MiCA) have started to bite, and many crypto asset issuers across the EU are already facing...
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