Community Controlled Credit — UNION is live: 0x5dfe42eea70a3e6f93ee54ed9c321af07a85535c Note: UNION is a non-transferable governance token thats earned by using the Union protocol; it can not be purchased or sold. Union is an open, permission-less, credit network protocol currently live and functioning on both Ethereum MainNet and Arbitrum. …

The global, permission-less credit protocol — Credit is simply giving someone a dollar and expecting them to return it, often with interest. Simple. Yet, access to credit determines who and what can grow at a pace faster than their bootstraps naturally allow. Imagine you’re a seamstress, and can sew by hand 1 dress a month which…

designing credit models for the metaverse — Who you are doesn’t matter Long gone are the days of the friendly town banker who knows you, deciding if you’re worth underwriting based on their personal experience with who you are (or perceived you to be). Instead, whether and how much credit you get is determined based on a mathematical model that’s guessing what…

We believe the new decentralized economy can and should work for those without assets. In pursuit of that vision, we’ve built Union, a permission-less credit network that enables a crypto-native form of credit, as well as a number of new financial primitives. We’ve been testing the protocol on Kovan for…

I’m excited to share that Union has raised $3M in funding to build a global, permission-less credit network, enabling any person, or smart contract, with access to Ethereum the ability to accrue credit. The Problem Union Solves Without the presence of a functioning credit system, the only ones who can benefit from debt are…

Congratulations! You just got your dream job. To celebrate we go out for dinner and when it comes time to pay, we both hand our cards to the waiter. *Your card was declined, insufficient funds* You are mortified, so I do the friendly thing and drive you to a pawn…

The Open Protocol for Maximizing Yield — At the start of the summer while on a particularly turbulent red-eye flight I was reading about interest rate swaps. Not as a form of literary NyQuil. …

Drug development is expensive, inefficient, regulated, exploitative and deathly dependent on monopolies. I propose here an organization and fundraising structure that has the potential to solve the incentive problems around drug development for smaller markets, while also giving more control and potential returns to those contributing both time, money, and…