Writing

Perspectives on risk, written to be used.

Long-form pieces on credit risk and emerging risk — and on risk thinking as a discipline for life, not just balance sheets.

Digital Assets · Credit Risk

The Battle for the Deposit Has Already Started: Most Banks Just Haven't Noticed

Stablecoins and tokenized funds are competing for the liability side of the balance sheet, on both sides of the border. The banks that treat risk management as their product, not their obstacle, will own the next decade.

July 1, 2026 · 7 min read

Risk Thinking

Personal Risk Policy 101

Banks have risk policies. Venture funds have investment theses. A framework for bringing the same rigour — limits, tolerance, appetite — to your own life.

June 10, 2026 · 8 min read