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Today my second book is published: Everyday Crypto. An Everyday Guide to Cryptocurrency, managing your crypto wealth and protecting yourself and your family.
Crypto has stopped being exotic. A quarter of Americans, and one in twelve British adults, now own some, and most of them bought it on their phone in a few minutes. Nobody told them how to keep it, who really holds it, or what happens to it when they are gone. Everyday Crypto is the plain guide to owning it well.
It answers the questions people ask me most often and rarely get a straight answer to. Is it too late to buy, and how much is a sensible amount? The app says my crypto could be earning, so where does the yield come from? My coins are on an exchange: do I own them, or does it? I bought a hardware wallet, am I safe now? A text from my bank, a call from my son: how do I know it’s real? And the one that started the whole series: what happens to my crypto when I die, and who can my family call?
The book is built from true stories rather than theory. The exchange that failed with the customers’ money inside. The hardware wallet whose faulty dice cost its owners their coins five years later. The text message that opens a months-long con. Each one shows what went wrong, why, and the calm habits that would have stopped it.
Then it changes register. For the holder of real wealth, and for the wealth managers who have spent years forbidden from touching this asset, it sets out custody that survives an audit, the concentrated position, crypto philanthropy, and inheritance that works on the day. The regulators and legislators in Washington and Westminster who are, at last, writing rules that let banks and advisors offer this safely get a chapter of their own, because that is where crypto goes next: into the ordinary bank account.
Five questions run through every chapter: how much, who holds it, in what form, what the tax authority needs, and who inherits it. They are the same questions at fifty dollars a month and at fifty million. Only the zeros change.
It is the second of The Everyday Guides, following Who Holds the Key?, and like that book it assumes nothing beyond the ability to use a phone. You don’t need to become a security expert. But by the time you finish this book, you will know how to protect yourself and your family.
Available now on Amazon (Kindle, paperback and hardcover), Apple Books, Barnes & Noble and at independent bookshops through Bookshop.org. Details and all the store links are at everydaycryptocurrency.com.
If you read it, a review on Amazon or Apple Books helps more than you would think. Thank you to everyone who made it possible; you know who you are, and you are in the Acknowledgements.
I’ve spent the morning looking at AI agents managing venture portfolios. It’s impressive, certainly. But I still find myself looking for that human spark—the slightly irrational belief in an idea that no LLM would ever greenlight. #AI #startups #venturecapital
Wasim Ahmad retweeted
25 years ago today, we introduced the iPod. 1,000 songs in your pocket.
A small team. An unforgiving deadline. We had months to bring the hardware, software, and music experience together. Proud of what we built and that it means so much to people still today. A device that has been woven in many ways into our lives. People have filled their iPods with road trips, breakups, workouts, special occasions with family and friends.
How cool that the iPod has become part of culture and our stories. 25 years, it’s hard to believe! Celebrating the team that made it happen today 👏
@StevenLevy was there from the start @WIRED wired.com/story/im-still-con…
It’s here - my new book Everyday Crypto - 6 years in the making - everything you need to know about crypto, how to protect yourself and more importantly how to protect your family
Everydaycryptocurrency.com
Exchanges haven’t bothered to list legacy project tokens - here’s what we told the SEC: that this was because of concerns over SEC reclassifying tokens as securities and we proposed a fix… but the heart of the matter is that Exchange listing teams (I’m thinking of you Kraken) are using wholly outdated criteria to choose which assets to list eg social media following and txns but legacy token projects haven’t been allowed to decentralize by prior SEC administrations leading to a lack of American crypto projects being listed priority being given to meme coins
We’ve asked the SEC to tighten up the proposed regs and to issue certifications swiftly.
More to come soon
Exchanges still haven’t listed VGT, even after @Vault12 completed or retired every original commitment and fulfilled every other requirement laid out by the SEC.
Why? They fear the SEC could reverse a token's transition out of an investment contract.
Our proposed fix:
coindesk.com/policy/2026/10/…
sec.gov/comments/S7-2026-27/…
In 2026, we’ve mastered the art of building wealth on-chain, yet I still see brilliant founders forget the simplest thing: what happens to those keys if they aren't here tomorrow? It’s not about fear, just quiet preparation. #crypto #inheritance #web3
Wasim Ahmad retweeted
A $17.45 million token sale from 2018 still can't get a CEX listing. That's the whole story on legacy issuance, and it explains where listing flow has gone.
Vault12's read: venues won't touch $VGT without explicit SEC immunity, because a listing today can be re-read as an unregistered securities distribution years later. The proposal is a 60-day clock, file it, and if the SEC stays silent the filing becomes conclusive.
What that changes for structure: a silence-is-consent rule would pull a backlog of 2017-2018 vintage tokens toward listing, and each one is fresh float hitting order books with no price discovery behind it. Venues would reprice listing fees around that risk.
Until a rule like this exists, the flow stays in the private and OTC channels, thin books, wide spreads. The 60-day window is the number that decides whether that changes.
Wasim Ahmad retweeted
Why centralized exchanges refuse to list legacy crypto tokens without explicit SEC immunity
Vault12 raised $17.45 million selling VGT in 2018 and says it met or dropped every promise, yet the token has never traded on a centralized exchange.
coindesk.com/policy/2026/10/…
Wasim Ahmad retweeted
Last week I was in Washington, DC with a parliamentary delegation led by Dr Lisa Cameron, Founder, US-UK Crypto Alliance, former Chair UK Crypto All Party Parliamentary Group APPG and former-MP, @KulveerRanger, UK House of Lords, and @Lord_ofWarwick for three days of meetings across Capitol Hill, the White House and the regulators. Here's what I took away:
The Clarity Act will be back.
The cloture vote failed to advance the bill. But on both sides of the aisle, lawmakers told us they're confident it gets picked back up after the midterms. Senator Tillis's voting maneuver keeps the door open for the bill to be called back for another vote. The other factor was simply time: Congress left DC at the end of last week, presumably to prepare for the midterms, and there was no room left to finish the process.
The people in the room.
We met with senior members who lead or sit on the key financial services committees and subcommittees:
Chairman French Hill, who brings real financial services experience, having built a bank himself
Bryan Steil, Chairman of the House Subcommittee on Digital Assets, Financial Technology and AI
Rep. William Timmons of House Financial Services Committee
Senator @SenLummis’s team and @gillibrandn’s team
President's Council of Economic Advisors at the Whitehouse
Commissioner @HesterPeirce and team at the SEC
The banking lobby's argument is weaker than it sounds.
Banks are working hard to hold on to every last point of margin they earn from customers, which is why we keep hearing FUD about deposit flight and credit unions. At the @CEA47 in the White House walked us through their report issued last week. It uses extensive data to show that the risk stablecoin yield poses to the banking sector has been dramatically overstated.
The regulators aren't waiting.
The SEC and CFTC have stepped up work on market regulation. These rules would have been needed to implement the Clarity Act anyway. Now they're moving ahead with a tighter, more comprehensive framework for market structure. We look forward to the rapid implementation of these regulations.
A final meeting.
We met with SEC Commissioner Hester Peirce and her Crypto Task Force team. Commissioner Peirce will be stepping down soon, and the industry owes her a great deal for what she has led over the last several years. Her team has clear momentum in carrying that work forward
What's next: Vault12 will be submitting a comment letter on the proposed regulations. Stay tuned.
Thank you to everyone who took the time to meet with us.
A great many thanks to Jennifer Summers FCIM and Stefan Muehlbauer for organizing the meetings and shepherding us through the US Capitol
#Crypto #ClarityAct #DigitalAssets #Stablecoins #Web3 #Vault12 #UKUSCryptoAlliance
@EasyA (@dom_kwok, @kwok_phil), @Vault12 (@wasima), @Chilliz (Alexandre Dreyfus), @Monotlith (Rufus Daniel), @OpenPayd (Iana Dimitrova, David Bull)
Wasim Ahmad retweeted
SEC Crypto Safe Harbor Tested as Vault12’s $17.45M VGT Stalls
#SEC #CryptoRegulation #Vault12 #VGT #CryptoNews
bitcoinworld.news/article/re…
Wasim Ahmad retweeted
REGULATION: 🏛 Vault12 argues SEC safe harbor may not be enough for exchanges to list legacy tokens. #Crypto #SEC #Regulation
Wasim Ahmad retweeted
Vault12 raised $17.45 million selling VGT in 2018. Seven years later, the token has never traded on a single centralized exchange.
Not because it failed. Because nobody will give it permission.
→ Vault12 says it met or dropped every promise attached to the offering
→ Exchanges still won't list ICO-era tokens without explicit SEC cover
→ The block isn't a ban — it's an absence of permission
The result is a quiet two-tier market: legacy tokens sit outside the venues where most liquidity now lives, whether or not the issuer kept its side of the bargain.
Critics call it a regulatory Catch-22. Recent SEC and CFTC work leans on disclosure — what the issuer promised, not how the token was sold.
Which raises the question the article digs into: if a clean record still isn't enough for a listing, what actually unblocks one?
📚 Read it here:
jardinfinanciero.com/article…
#Vault12 #VGT #SEC
Wasim Ahmad retweeted
Centralized exchanges won't list legacy tokens unless SEC immunity, like Vault12's 8-year VGT. I'm surprised it took so long. Which legacy token do you think will get the green light first? #Crypto NFA.
Wasim Ahmad retweeted
This is how banks are planning to stop those "agentic bank runs." Watch closely: their business model depends on seeding this narrative that AI agents are dangerous.
Remember, an "agentic bank run" (coined by Apollo) means agents helping customers move their own money en masse to higher-yielding products.
Once agents are ubiquitous, there are only a few ways for banks to hold onto cheap retail deposits.
Option A: Raise APYs (lol no)
Option B: Reduce leverage via fewer loans (no fun)
Option C: Ban AI agents, claiming they are a security risk (ding ding ding)
Cloud agents like Muse and Dot are trivial to stop, since they come from Meta / OAI IP ranges. If JPM sends them a cease and desist, they will comply.
Why would JPM bother? Because their business model depends on it; a huge portion of their ROE comes from cheap retail deposits. This is not theoretical. Just like Amazon banned Muse from shopping there to protect their ad revenue, JPM and Schwab have already banned AI agents to protect sticky deposits.
Are agents perfectly reliable today? Of course not. But look at the fix they chose. Not "here's a safe API for agents," it's "no agents ever." That tells you they're not protecting customers, they're protecting themselves.
No company ever wins a technological revolution this way. It's the last gasp of a dying business model. It's like the retailers who refused to put their inventory online and demanded users walk into the storefront. Over time they will lose market share to those platforms that embrace what's coming. Their whole deposit franchise depends on users unthinkingly clicking through walls of T&Cs and accepting 0.2% when the risk free rate is closer to 4%. Agents read the fine print and do their research, even when humans don't.
For users, the answer is simple: local AI agent frameworks like Hermes, that will actually act on your behalf and that the banks can't block. As the article says, if the agent is running on your own computer, they can't actually tell it's not you.
SCOOP: Major U.S. banks are detecting unauthorized third-party AI agents inside customer accounts, including some attempting to take actions that appear to be independent of user instructions, sources told Axios.
The findings have alarmed banking executives, who are racing to restrict access to their systems as AI moves at a velocity faster than financial institutions can respond, multiple industry and bank executives told Axios.
Several banks are now preparing for worst-case and even “day after” scenarios, including how to rapidly secure or restore customer accounts if things go wrong, the people said.
Several bank executives told Axios they're struggling to distinguish between human users and AI agents. One executive said banks also struggle to determine whether agents are authorized by customers or potentially operating without their permission, more akin to rogue agent behavior.
Read my latest for Axios here: axios.com/2026/10/22/ai-agen…
Wasim Ahmad retweeted
Spot on — the plan for the family is the next maturity step after keys. Non-custodial tracking + clear recovery keep control with the owner.
Building a brand isn't about being a 'guru.' It’s just about sharing the lessons learned while failing. I’ve failed quite a bit, so I suppose I have plenty to talk about. Simply grateful to still be in the game. #PersonalBranding #Startups #Entrepreneurship
