Blog
Fact-based Analyzes
Independent, source-transparent articles on blockchain, stablecoins, CBDCs and the YEM Benchmark Coin.
AnalysisWhy Bitcoin Has Failed as a Means of Payment
Bitcoin was invented as "peer-to-peer electronic cash." Sixteen years later, it has failed as a means of payment. El Salvador, volatility, fees—the facts.
AnalysisStablecoins: Why “stable” Doesn’t Mean Stable
The GENIUS Act enshrines stablecoins in law. Tether holds $141 billion in U.S. Treasuries, but users receive no interest. Who really benefits?
Fundamentals1 YEM = 1 CHF — How a benchmark coin works
YEM is not a stablecoin. The benchmark coin is supported by governance and an algorithm. Why 1 YEM = 1 CHF is a deliberate design choice.
TechnologyYEMChain V2 — Private Blockchain as the Key to Stable Money
Hyperledger Besu, 3,000 TPS, Proof of Authority, Net-Zero Carbon: A detailed look at the technology behind YEMChain V2.
PracticeYEM in Practice — From a Hotel in Lusaka to a Bank in Berlin
Four use cases from Zambia, Germany, Ivory Coast, and Uganda show that YEM is already being used in over 90 countries.
AnalysisCBDCs: When the Government Controls Your Wallet
More than 130 central banks are working on digital central bank money. CBDCs promise efficiency—but deliver total surveillance and programmable control.
Legal AnalysisBaFin & FMA on YEM — What the Regulators Actually Said
Legal Analysis of BaFin and FMA Publications on YEM: What the Warnings Mean and the Most Common Misconceptions.
AnalysisWhen the watchdog has a business model
Fact-based analysis of the business model of crypto recovery firms. Stiftung Warentest warning list, preliminary injunctions.