Banks are Ditching Old Databases for Blockchains | Scott Dykstra
In this episode of Talking Tokens, Jacquelyn Melinek speaks with Scott Dykstra, co-founder and CTO of Space and Time, about how the crypto market has evolved from the 2021 NFT craze to the 2026 institutional era. Scott explains why almost every bank is now writing smart contracts, how Space and Time helps financial institutions connect offchain data to onchain markets, and why blockchains are fundamentally better transactional databases than traditional systems like Oracle.He walks through the shift from early crypto startups to mature DeFi protocols to enterprise clients, how banks are building pilots for stablecoins and tokenizing real-world assets, and why the Wells Fargo data manipulation case proves the need for verifiable compute. The conversation covers Space and Time's Proof of SQL technology, how the company enables stablecoin yields institutions' need for offchain data, and why AI agents buying their own services with stablecoins may be the next frontier for crypto adoption.TIMESTAMPS (00:00) Intro (01:31) How WisdomTree defines tokenization as recordkeeping technology (04:16) Growth from $30M to $770M in tokenized assets within one year (06:13) Three use cases: stablecoin reserves, treasury management, and DeFi collateral (08:01) Talking to Aave and Morpho about integrating tokenized funds as collateral (09:17) Why its tokenized money market fund could become WisdomTree's largest fund overall (10:17) SEC approval for 24/7 trading and instant settlement: the big unlock (13:11) Why 24/7 trading only works with tokenized funds, not traditional infrastructure (16:02) DeFi and TradFi convergence: partnership not competition (18:28) Customer journey: wallet-first users, not brokerage account holders (27:42) Why liquid assets benefit more from tokenization than illiquid real estateESSENTIALS You can subscribe to the podcast on Spotify, Apple or YouTube. If you enjoy the show, please leave a review — it really helps. Spotify: https://open.spotify.com/show/0LOgWxIQ0NnNUD5eXsSuoZ Apple Podcasts: https://podcasts.apple.com/us/podcast/talking-tokens/id1743669141 Follow us on X Jacquelyn: https://twitter.com/jacqmelinek Talking Tokens: https://twitter.com/_TalkingTokens Follow us on Instagram https://www.instagram.com/_talkingtokens/ Note: This podcast is for informational purposes only. Views shared are opinions, not financial advice. The host or guests may have financial interests in discussed content.
Banks are Ditching Old Databases for Blockchains | Scott Dykstra
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Evernorth Has 473 Million XRP And An Argument to Why Idle Capital Should Not Exist | Asheesh Birla
On today's Talking Tokens, Jacquelyn sits down with Asheesh Birla, CEO of Evernorth, the Ripple-backed digital asset treasury firm holding roughly 473 million XRP tokens, to talk about why he thinks we've finally hit the inflection point that blockchain has been building toward for over a decade. Asheesh breaks down why most digital assets sit idle the same way cash sits in a bank account, how Evernorth is building a real-time agentic risk engine to change that, and why he believes the winners in this space will be the ones who develop the three pillars of tech, commercialization and liquidity. TIMESTAMPS: 02:00 - The best use case for blockchains 04:16 - The pace of blockchain adoption vs expectations 08:15 - How Evernorth is creating liquidity for XRP and digital assets 10:00 - Industry misconceptions: tech vs adoption focus 11:33 - The Evernorth report findings for RLUSD and XRP 14:11 - The significance of stablecoins for institutional markets 21:01 - The importance of asset optimization and real-time capital management 25:28 - How stablecoins strengthen crypto ecosystems rather than compete 30:33 - Idle capital as an overlooked signal and how to put assets to work 33:00 - Building trust and institutional confidence in blockchain 37:46 - The maturation of DeFi vaults and institutional-grade protocols 40:11 - Preparing Evernorth for listing and success metrics 46:42 - Long-term vision and advice for blockchain enthusiasts You can subscribe to the podcast on Spotify, Apple or YouTube. If you enjoy the show, please leave a review — it really helps. Spotify: https://open.spotify.com/show/0LOgWxIQ0NnNUD5eXsSuoZ Apple Podcasts: https://podcasts.apple.com/us/podcast/talking-tokens/id1743669141 YouTube: https://www.youtube.com/@TalkingTokens Follow us on X Jacquelyn: / jacqmelinek Talking Tokens: / _talkingtokens Follow us on Instagram / _talkingtokens Note: This podcast is for informational purposes only. Views shared are opinions, not financial advice. The host or guests may have financial interests in discussed content.
Why Aave V4 Is Built Like a Central Bank for DeFi | Stani Kulechov
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