Rise of the Money Apps

If This, Then Money

Surfing the Digital Asset Tsunami for Fun & Profit.

I Heart Programmable Money

As Andreas Antonopolous is to Bitcoin, as Vitalik Buterkin is to Ethereum, as Charlie Lee is to Litecoin, so am I to Programmable Money[1]: a zealot with a vested interest[2].


Emoji + Money = Monoji

For a sterling example of a Programmable Money app, check out Monoji, a CMV portfolio start-up that launched last year (developed at Subvisual in Braga, Portugal). Monoji is both an Uphold App and a Slack App, a bridge between a Programmable Money platform and an addictive collaboration tool used by millions of teams around the world.

Cadoo is an E-card with Money Attached.

Cadoo: Cash Rewards Triggered by Online Events

Programmable Money apps distilled to their essence are all : “If this, then money.” A pre-defined online action (or lack of action) triggers the transfer of money to an email, cellphone, or crypto address (should be fiat-tethered crypto to make it money that the masses will accept). The “if this” part can be programmed via any digital ledger’s API, whether the digital ledger belongs to a bank, fintech platform like Uphold, or a cryptocurrency like Ether. The money transferred needs to be proximate to Bank Money, i.e. easily withdrawn from app account to bank account.

Cash-Out Cadoo = Online Trigger = Eureka!

To API, or Not To API?

Of the early fintech platforms that connect cryptos to Bank Money— Coinbase, Circle, and Uphold — only Uphold’s API remains available for entrepreneurs who want to build the next killer Programmable Money app.

State of the Dapps

Fishing in the Primordial Soup

Shapeshift’s Erik Vorhees — another zealot with a vested interest — in a blog post announcing the launch of Prism (a trustless crypto portfolio managment tool), described the explosion of blockchain tokens and ICOs as a Bitcoin-ignited “Crypto-Cambrian Explosion” of digital value.