From 1865 to 1870, a crisis atmosphere hovered around the issue of the massive public debt created during the recently concluded Civil War, leading, in part, to the passage of a Constitutional Amendment ensuring the “validity of the public debt.” However, the Civil War debt crisis was not a...

As an organization, Vemanti is focused on utilizing technology to advance financial inclusion. It has designed a financial ecosystem that will provide a range of services to the banked, underbanked, and unbanked around the world. Code-named The Divitia Network (Divitia), this system will provide...

As Central Bank Digital Currencies (CBDCs) become reality and the use of cryptocurrencies for payments becomes ever more mainstream, concerns have arisen about the widespread adoption of these new digital monies. Particularly worrisome are how to make them available to everyone, everywhere, at...

We are heading for a cashless world. At some point, we will say goodbye to all those pieces of paper and polymer and switch to an electronic alternative. The only problem with these statements is that people have been saying them since the late 1960s. Banknotes have a robust technology and will...