Discover millions of ebooks, audiobooks, and so much more with a free trial

Only $11.99/month after trial. Cancel anytime.

Cloudmoney: Cash, Cards, Crypto, and the War for Our Wallets
Cloudmoney: Cash, Cards, Crypto, and the War for Our Wallets
Cloudmoney: Cash, Cards, Crypto, and the War for Our Wallets
Ebook359 pages6 hours

Cloudmoney: Cash, Cards, Crypto, and the War for Our Wallets

Rating: 0 out of 5 stars

()

Read preview

About this ebook

Axiom Award Gold Medalist for Business Commentary

The reach of Corporations into our lives via cards and apps has never been greater; many of us rarely use cash these days. But what we’re told is a natural and inevitable move is actually the work of powerful interests. And the great battle of our time is the battle for ownership of the digital footprints that make up our lives.

In Cloudmoney, Brett Scott tells an urgent and revelatory story about how the fusion of Big Finance and Big Tech requires “cloudmoney”—digital money underpinned by the banking sector—to replace physical cash. He dives beneath the surface of the global financial system to uncover a long-established lobbying infrastructure: an alliance of partners waging a covert war on cash. He explains the technical, political, and cultural differences between our various forms of money and shows how the cash system has been under attack for decades, as banking and tech companies promote a cashless society under the banner of progress.

Cloudmoney takes us to the front lines of a war for our wallets that is also about our freedom, from marketing strategies against cash to the weaponization of COVID-19 to push fintech platforms, and from there to the rise of the cryptocurrency rebels and fringe groups pushing back. It asks the most pressing questions:

Who benefits from a cashless society and who gets left behind?

Is the end of cash the end of true privacy?

And is our cloudmoney future closer than we think it is?

LanguageEnglish
PublisherHarperCollins
Release dateJul 5, 2022
ISBN9780062936325
Author

Brett Scott

Brett Scott is an economic anthropologist, financial activist, and former broker. In 2013 he published The Heretic’s Guide to Global Finance: Hacking the Future of Money, and since then has spoken at hundreds of events across the globe and has appeared across international media, including BBC World News and Sky News. He has written extensively on financial reform, digital finance, alternative currency, blockchain technology, and the cashless society for publications like the Guardian, New Scientist, Huffington Post, Wired, and CNN.com, and also publishes the Altered States of Monetary Consciousness newsletter. He has worked on financial reform campaigns and alternative currency systems with a wide range of groups and is a Senior Fellow of the Finance Innovation Lab (UK). He lives in Berlin.

Related to Cloudmoney

Related ebooks

Finance & Money Management For You

View More

Related articles

Reviews for Cloudmoney

Rating: 0 out of 5 stars
0 ratings

0 ratings0 reviews

What did you think?

Tap to rate

Review must be at least 10 words

    Book preview

    Cloudmoney - Brett Scott

    ګdbook_preview_excerpt.html}۲ǑД= 9Hɔ)+Lي3ot(FW/<9_/9k&g" 뒗+_\~/Zcm/_~ ~_/i9?V34V*5WOSzQ}k>[m5Sqz՛Ԇ5xC,_|f5.]*qcvM˘-5Mu Oц3a\U!b8VEb_`: ߟklǨmtOx0E{{pi)T矱4^pV_ Op= #:-8w)\bOi1W]<|wUߪSjGnRx^MW37m0¦ѝ{2T]Fq_UgL qMAg*@}0b:>vxJq[l)q}8)lƩ9bpS-ҡTR_=y]bK 'upXQF-t5A\0![Q= ]`>Y HGȟynSSuP hC}{e SA掩'g^Y{\޵>q\LS(85GBcSzdߜ MQJmy8G~-۷OpEip{;e6NbcZŦPo/vT%asIJL4.SNf6.RU??y zK tL!1瓿aom+U:=h IC;hHLn3ARLhjtLA2B1&8x&8왩FޘtyA9ܻ0 ~:=8''봴o_QVwXΗ14 <h|%6zhKKz;܇t [p <{qIJJ[u_x&D(iUKPR&+kK.!Sr;f[Q ͬJ`֌-o;a8c'HX,m~51 [;'.|_T?- }hxb\/Bqܭl3w6jj;yXi16>BO \- _8Ƕ<=rEP.pS85Rk :{Mf!C<ǂadSHSiFl{l4<"93X%gU,M z}G-F j'O k7ߨ&JSo%+GĢyW?*'%:99axaG|PD*=n4`MtĂ94] "TŎ{+@ ;ѠȽ|,rXw5-iiW'缫1{/^55`#+,5]N5sP=iMĜ.ml4s[Zd$^;MG:ig?uY;:r6M:`@Kuox{kTqu/ MpNii4>Sf NZџC?-bm|v-$86>(uSc}UCRc#lIjoTVi%6әSʫKBWμ2|Ģ0n).bցAV0tDHA3 8LX > PHaIIcs ,Ʊ9(BGX9c1(#"TOh;A4a5J</^ZM2 ~eVsX>AY(4P YAi!>{OX1wZ[Na#H=~1.L}b(DhW:v1)cOI))7o ǢT\i!ᑱ;!䩼ܽPj!K9:{!)WLA>sN+AJ@/Re)q-=S1 ˗p`ΕjtrPgHBW[%֙AF-YUtH֘c&b=>_FdLsHSX?$$!Ѱ=Vme()4 z Jq !`3@S:u nzrHsUCI&/#{|L҄؞Cn*#tv1OXH0\3f!fe~ (&R{%:bW< '#8LP61JYD˦L[*0xܹ-1"z4O: j"lnO( =SG -gSP1p7%s}aD##͵Z aah?} lbϝj}Ε)N$Y/fa 凓 &#Do$%tW ̨I;it= cFc!KÂcfHyWiTF&y9F)985,qT [CŬ ]8S;YL^X=-KnuP.”$=DSJ9<OU8FAenKzxGRZHld"զc+R̖˃ruP'@XLc9|%VIF)3 R)4A@(`6X향au]M3cfe#T|{yVփ4FbYJþ .<D$ug!X,;|W4s9'DG9_͉:Fp>s ~\VJ^`6#|#ྡྷ-rp%k&R]yo^Z (atRfsJ< 6LRd tBNe 8%F:OUzipT3gLy꽨EMw^y3- 궵 gBRHp ?-h:ncZS% `H`؝™-Q@Xw%d[K,Y vl (gƒg/ypwm?vU(N.1~DxY3~ڸ|OHJ]r#B4`Pbn`c%6 x-9GXۋdX8c#-g,L!L=8  ~}.!X+Þ8!%U5Wg"]J%8%(dgN|KLx )AUs %rccD*)݆8 %LYx4`)w+E$F-%GP[2jZB:]9D(N_Tu"6lS2H.r]Rbag׊nЖ%qvü?lDj,ْ`$&(0+6bϰ.'f.m*N U-n@I`q79S!,eݙSjih *{y2@lQUufqjG,*À(!=ꆣ'! QHA%^QZ2b^+>ˑ1UEacS򿜽Iϡ-ǬTlL‰¬ ܧ=@IlYpThR=4!}6QbW Ma߬K:}TC;q˶v܋+CT0J f&̘i`YR9KlH?EG,:#O{R]a &~$,I?>>4:)kk)KK<9Ғ"LH@p|g踃i8蔥r%3 iUn~.%Yϴb9Q&k@CMS83"Yp%n^WP`;Uo.7U0 :Mxj+óTM;Fk5];8|E{'MT"^%?OͥtAn: HK\%OIloOIշc IXDSz B]IF@sZ?!f=YԖIs]g)ǐ}s6ܡ""7/88VkRKT+mk{Ax#Z|Lk9-xr0tn˪K WmK E6Q8SFQ 9ш OO97oL@2yy!K0-׫Ex)~z6LBK9lD8%=8I͓+ɠ-Kx\$]dMI8/Ԍ2GS wh,n[{)kF^~j8Z Ov%(|5߯,^h"aRԮcp~1i)7!+/BoPRP' nj @4pOQD/v%PIf^Q ñ*M#vEOzAN†Y<;=ůw&ϓ%TGt> 5"+{㖹Ycx)+/\㙡qs 3 5ܓ"0R4C{ge'C`j8gxȌZ]1/IVX#hM hl04~ ׽cY0z\-Ѱ<̤[0fs"5?/\8ހ)Rޘ9:rGL3P_54>{zUma2d`.ɊNPܲ_TOKeuzuv:пKU=hMgaQe)4LWeͫ8@-}cOŘI1##LZcM$Az(9u|0l•c ނSp_MG9H ೫:JZʂ ``&@(w6`砙AHUv3҈o{sK/mDD,~(1:-J-f L4.k,gͿ}{6OR.;Wy(\jA.M \'_wqTfYNƲΑ\®wҰc-.a(;;Pq#)0RzFQ\DHk0g&vx Τӵ82pm_څ縊$HJN?14͔b-r^tNB4N,D"T_T߽@3$O(H\){QEsTfp\|GoӘGeN{6#)!yEɭw&Jq3!4}'"ׁxD1.P)tP ФZ~`Ͱ:ԓӂXŹأ+̙fv 2n "ֱe+XEezBxE1h4/৑X̤!sruX.pDIfm%݅Wcr0ߗg+ -rQ˟sr ;ꍹraJX#{tgZoqhs50<Ģ!ϋ8A}`xba(Ŷm)U lN/,_ӳW鲬N?hɊi۟Ei=6y`3r:^{Za>(LtVn e+5Pc_gru}=.(;|5+ȓZ m["F|cj˹֢A7C;F'i+BU3naBX'ȂX3"$mY-^n,7^_֤0,f֗9 ɐH&e=28nMiP2}solڐ 7EJCk&E`N+]շ~yBqqGݭ;/B~fΘg'>yĩur]C$Uehv4xMU3,AÇ4P&NjJhR[M+aYI%a/C;^])ȏ Wg'"[IVե&sPYơ@_)*J5`C'ri!㎻z?ٷc΍>gX*[S J5Vܭ2yzw\d BeǶ`)VVbX `Zހ[ VCá7Yp F3sRHd7o)$7),JW39xxJ={b8BQ5xƖ7%'n @͇\b9'!;]E@!JZ?_7Cnl!v;b'1ly }~R9l8"Kf7]~TI0qLծ 峺nc>߶@dw#%/҇.'+Jm.p(M@?S=@oKߢU}nVpruZ;Q]xC l|<(.[0u8KZ{(xKv9y P=X]I !Ỳ:v I:Sr;Ǘ2h0wPꋥ3J5;C v4 #ݥ_SYmy a7|ʣK]fS)98KWJSK)Յ%a,^7zy7P"K)/-+BzQ]v 0 t0EN*w>v Ab[ʜ^a?>=XΎ[QSxT7Q֛auZķp|o7oa<^\*笡ESAUNwe;3p/ X˖~,SsoRhW6f; r~YK}Uw+G5ZaݝHR`\/=mK_ŠDVe`¡4=+U;0u1COkeKJi c19UkHxh @'(I"Mmjs[9|JX?gse)z6MU~c0A]x];lRY#rnAQ yIvg}:_e9iC21,om3|0gޠJcg-'k[%SDsq!^W9TVtZP}MgJu{^@1\K XQtQ;U.3[&a%sAlbJu ss\]]xYY,nR*|ɶ+FQxax_N@N*8u*s)ٝmp#~`دڄ%<Y!.us tN9ecp'n@L~nx̭>";q(]vUg̽>H"|H0$I1_Z]v2+jyjMFo֡B_Zi^h[Rޮ-IFnZ.9܀v ~soaq~XcUq!ocilϰ[ܬu2܌:)hLJ>ko.Xp8FfK;]R-ÐCK{۩KCME,񢔈?=wi__G' |b%2H6#a*~Unq(s"5VxXϜ|]CPTRmiK9yURYMH'ڌɕ5Q6IHp{ç;HITh [5yۧ@f93K0,kv in\_0W=-kZo Mai_i2i^cC3&Mb|W"K杙,73s;).Aً*H]$wC3"`ψ/\u*2s/󱈯}Ǩ仯@jcpDuΏV<-)ݩ:G8ϫWwpOlVEZedtRh|Zחy qBt{עޅ1T}\:`l&(ډ&*ldY9vyպVܕD1EkvxҪ_[v{Ylۂ$7㨴ֲֳxMi+PID3w*bPWq{pEHl52]EV1 ^(??ɸ.3C_RW#,x-|:үT˔ou4\%nH?,H ikRWn';ɕ㕓Cc}e]|_}a 7L~*2Uϝ:kav{ &23!_5,@X"tc!-sM[mtgdΕ ֪_s\ޯț0&<t5| m #NQJhYaw]s6<-S?-oc5 n.auP <'5x[:~bWy͗ܘn܌--Az=r)doZB@ #oݜ2ɋG'д {YV8=f|d\;~i6^SpJ=bwOлs.'L'f1nܥ.CV)~Nm3zl}Tj7M%4S %թ[9$%ڂŗ覄nL?-lNTW\Qi.fkTU1Ή4*pWeoRڒ:DQT; E۳7j"LX1skzXyR7NG[LAl-/ 1+l2^9mty]1OOd\/QܔԕJ"Z+ӽVe0{D+knw[Ța~ ض71p~̥(i
    Enjoying the preview?
    Page 1 of 1