Digital Bytes by Team Blockchain Radio; Powered By Cyber.FM

James Tylee / Jonny Fry
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Each week on the Digital Bytes Show, James Tylee, founder Cyber.FM in the USA, talks to Jonny Fry from TeamBlockchain reviewing the latest Digital Bytes. They explore how, where and why Blockchain technology and/or Digital Assets are being used in various industries and jurisdictions globally. Cyber.FM Radio, a product of Distributed Ledger Performance Rights Organization (DLPRO LLC), was established in 2008 and has 4.6 million listeners across 140 countries.

  1. April 29th: Why Lawyers Must Rethink Digital Asset Escrow w/ David Parsons at London Digital Escrow

    3 DAYS AGO

    April 29th: Why Lawyers Must Rethink Digital Asset Escrow w/ David Parsons at London Digital Escrow

    Imagine completing a sterling-to-dollar transfer in seconds for just two basis points. That kind of speed and efficiency is now possible, and it is forcing lawyers and financial professionals to completely rethink how escrow works in the modern economy. David Parsons from London Digital Escrow makes a compelling case that traditional bank-based escrow converts real assets into IOUs, creating counterparty risk that simply does not exist with direct digital asset transfers. By surrendering ownership to intermediaries like Coinbase or Kraken, parties unknowingly change the entire legal and risk profile of their transaction. This risk is real, and it fundamentally alters the nature of the deal. Surprisingly, lawyers are not becoming less relevant here. When tokenized assets like property enter the picture, attorneys must legally assume responsibility for transfers on behalf of the state, a role that has no equivalent in traditional fiat transactions. What happens to legal professionals who fail to understand digital asset escrow as agentic AI increasingly manages transactions directly? With 1.4 billion unbanked people globally (particularly in Commonwealth and developing nations) driving demand for digital payments, the opportunity is enormous. Lawyers who adapt will thrive. Those who do not may find themselves left behind. Listen to this episode to understand why this shift cannot wait.

    20 min
  2. April 22nd: The End of Client Accounts: How Tokenisation and AI Are Forcing a New Legal Infrastructure w/ John Bertram, Director at On Demand Payment Technologies

    3 DAYS AGO

    April 22nd: The End of Client Accounts: How Tokenisation and AI Are Forcing a New Legal Infrastructure w/ John Bertram, Director at On Demand Payment Technologies

    Rarely does a single conversation connect 1980s Citigroup trading floors to the future of programmable money so compellingly. John Bertrand, director at On Demand Payment Technologies, joins hosts James Tylee and Jonny Fry to trace how decades of financial infrastructure work have led us to this precise inflection point in banking history. John's ten years at Citigroup in New York shaped his understanding of how legacy systems resist change even when they are clearly inefficient and clearly holding everyone back. He points to UK government payment delays averaging 58 days as a striking example of how broken the status quo remains. Could programmable digital money finally solve what outdated systems like SWIFT's correspondent networks have failed to fix for generations? The conversation covers everything from the Bank of England's digital sandbox experiments with repos to HSBC's tokenized gold project in Hong Kong, painting a picture of transformation that is already underway. Fortunately, the hosts ground these big ideas in practical reality. (John's FX Match system, which helped inspire SWIFT, shows he has been here before.) The key insight is that scalability is already proven through trillions in monthly blockchain transactions. The real work now involves legal frameworks and regulatory change. Tune in for a genuinely illuminating conversation about where money is heading next.

    25 min

  3. 3 DAYS AGO

    April 15th: Agentic AI Is making Zillow, Rightmove and Zoopla Obsolete: The Collapse of Software as a Service (SaaS) Property Aggregators w/ James Tylee

    Imagine bypassing Zillow entirely and letting your personal AI agent find, compare, and handle the paperwork on your next home. That future is closer than most people realize, and it's the core of this fascinating conversation between Jonny Fry of Team Blockchain and James Tylee, founder of Cyber.fm. James brings a remarkable background to this discussion. After building high-frequency trading platforms on Wall Street and surviving the 2008 financial collapse, he watched colleagues lose everything and musicians he knew get financially devastated. That experience pushed him to launch Cyber FM radio, which now reaches **5 million listeners across 170 countries**. Could property giants like Zillow, Rightmove, and Booking.com actually face the same fate as Netscape? James and Jonny argue yes, and the numbers support their concern. LLM revenues are projected to surge from $4.5 billion in 2023 to over $82 billion by 2033, fundamentally changing how consumers find information. (A Dublin entrepreneur already demonstrated this principle by building a database comparing Guinness prices, forcing pub owners to compete more fairly.) Because when AI can summarize neighborhoods, handle tax grievances, and negotiate directly, traditional aggregators lose their entire reason to exist. Small businesses employing 60% of G7 workers can actually gain from this shift, improving profitability by roughly 13%. Tune in to hear the full conversation and understand how to position yourself before the disruption arrives.

    26 min
  4. April 8th: Wall Street Goes On-Chain: Nasdaq’s Tokenization Pivot May Force a New Kind of Transparency w/ Jason Meyers Creator of Pacioli.ai

    15 APR

    April 8th: Wall Street Goes On-Chain: Nasdaq’s Tokenization Pivot May Force a New Kind of Transparency w/ Jason Meyers Creator of Pacioli.ai

    Nasdaq’s move to enable tokenised equity trading within DTCC infrastructure signals that blockchain settlement is shifting from crypto experiment to core capital-market plumbing. If the world’s deepest and most liquid market adopts programmable securities and near-continuous trading, global exchanges, regulators and asset managers may face competitive pressure to modernise faster, or risk liquidity migration toward jurisdictions willing to embrace tokenised market structure.

    23 min
  5. April 1st: The Bank of England’s Stablecoin Regime is Already Dead: UK Companies are Settling £ Trillions Without Sterling, So Has the Bank Just Regulated a Ghost? Ft: Erich Schoeckel of 2Tokens

    8 APR

    April 1st: The Bank of England’s Stablecoin Regime is Already Dead: UK Companies are Settling £ Trillions Without Sterling, So Has the Bank Just Regulated a Ghost? Ft: Erich Schoeckel of 2Tokens

    English law has never required sterling/legal tender to settle obligations. Precursor to the Bank of England, the 1694 National Land Bank failed, but its idea of using assets as payment lives on through freedom of contract. Corporates are able to legally settle £trillions in tokenised property, stablecoins or RWAs, therefore bypassing the BOE’s 40/60 regime, holding limits and unremunerated deposits entirely. Click here to read the article

    24 min
  6. March 25th: Stablecoins and the Banking System: What Happens to Bank Deposits? With: Lamine Brahimi, Co-Founder, Taurus

    1 APR

    March 25th: Stablecoins and the Banking System: What Happens to Bank Deposits? With: Lamine Brahimi, Co-Founder, Taurus

    As stablecoins move into regulated mainstream finance, they are shifting from crypto gateways to always-available digital cash for payments, settlement and treasury use. This raises a critical question: how much transactional liquidity could migrate away from bank deposits - traditionally the cheapest funding source for lending? Drawing on Taurus research and global regulatory developments, this article examines potential deposit pressures, balance-sheet implications and the strategic choices banks face as digital money becomes more mobile, competitive and embedded in financial infrastructure. Click here to read the article

    22 min
  7. March 17th: Designing Digital Money for a Fragmented World with Christopher Woolard, Chair, EY Global Regulatory Network

    1 APR

    March 17th: Designing Digital Money for a Fragmented World with Christopher Woolard, Chair, EY Global Regulatory Network

    Digital money is increasingly shaped by national policy and regulatory design. Whilst authorities are converging on some core principles, they are diverging in how those principles are applied - with implications for organisations seeking to scale across borders. This article explores how regulatory divergence changes the way digital money needs to be designed, and what firms should do in response. Click here to read the full article

    20 min
  8. March 10th: Programmable Money in Practice w/ Markus Bergvinson,

    1 APR

    March 10th: Programmable Money in Practice w/ Markus Bergvinson,

    Tokenised money has moved from a niche crypto application to a central consideration for institutional finance and public policy. Across stablecoins, tokenised deposits, CBDCs and money market funds, differing design choices shape risk, usability and regulatory treatment. The evolving landscape reveals strong momentum in cross-border payments and settlement, alongside unresolved challenges around interoperability, governance and cross-border supervision that will determine how tokenised money integrates into the global financial system. Click here to read the full article

    20 min
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Each week on the Digital Bytes Show, James Tylee, founder Cyber.FM in the USA, talks to Jonny Fry from TeamBlockchain reviewing the latest Digital Bytes. They explore how, where and why Blockchain technology and/or Digital Assets are being used in various industries and jurisdictions globally. Cyber.FM Radio, a product of Distributed Ledger Performance Rights Organization (DLPRO LLC), was established in 2008 and has 4.6 million listeners across 140 countries.

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