Better-than-money: Full investment in interfungible assets you choose

A practical proposal turns traditional finance on its head by letting users keep all their assets, including what would have been cash, invested all the time with personalised investment advice from AI. The user experience that will be demonstrated shows how easy it is to use your portfolio to directly pay or receive asset-based value while staying with your investment strategy. The cryptography is stronger than quantum-safe against forgery of the underlying digital instruments and lets users protect their own privacy. Combining secure transparency with asset-backing moots much current systemic risk. Scalable to a large and rich range of assets, this disruptive innovation should let everyone stay fully invested while helping to reduce global inequality.


David Chaum

David Chaum

Founder, Digital Community

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