Layered Money: From Gold and Dollars to Bitcoin and Central Bank Digital Currencies by Nik Bhatia

Layered Money: From Gold and Dollars to Bitcoin and Central Bank Digital Currencies by Nik Bhatia 

Bhatia argues that money has evolved in a "layered" manner, with each new layer building on the previous one. He uses the example of gold to illustrate this point, tracing its history from raw mined material to gold coins to bank-issued gold certificates. Bhatia then applies this same framework to the evolution of digital currencies, beginning with the gold Florin coin in Renaissance Florence and continuing with the development of central banking and the invention of Bitcoin.  He concludes with a vision for the future of our international monetary system, arguing that CBDCs and cryptocurrencies will interact in new and interesting ways. Layered Money is a fascinating and insightful look at the history and future of money. It is a must-read for anyone interested in economics, finance, or the future of technology.

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