Mike Flache retweeted
The case for global benefit from AI institute.deepmind.com/essay… ✍️ @IasonGabriel @Dr_Atoosa via "DeepMind Institute" @GoogleDeepMind 👉 The authors present a rigorous philosophical defence of the "Global View," arguing that people everywhere possess a legitimate moral claim to the fruits of advanced AI. 👉 They unpack four ethical dimensions—rights, reciprocity, fairness, and beneficence—to show that developers must look beyond the localised tech hubs where AI is built. 💡 However, this highly principled moral vision faces a harsh geopolitical reality, as getting competing frontier labs and national governments to voluntarily prioritise global fairness over national dominance and corporate profitability remains a massive unresolved issue. @Corix_JC @SonuMonika @TheAIObserverX @maponi @JagersbergKnut @ahier @ChuckDBrooks @Shi4Tech @CEO_AISOMA @sallyeaves @EchoofLight11 @dinisguarda @TarakRindani @FrRonconii @Nicochan33 @Khulood_Almani @TysonLester @SusanHayes_ @EstelaMandela @JoannMoretti @sulefati7 @FernandaKellner @pchamard @NeiraOsci @darioandriani @ALouiseLavalett @Fabriziobustama @amalmerzouk @mikeflache @RLDI_Lamy @smaksked @Eli_Krumova @PVynckier @chidambara09 @sminaev2015 @NathaliaLeHen @MHcommunicate @Analytics_699 @DanielleLargier
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Mike Flache retweeted
The challenge isn't deciding whether children need more protection online; they do. The key point is how to do that without creating a surveillance system that makes age verification the norm for everyone. I've seen enough regulation across markets to know that good intentions don't guarantee good implementation. The details matter, and in this specific case, they matter more than the headline. What's your take on this development? @pchamard @Khulood_Almani @antgrasso @GlenGilmore @Shi4Tech @chidambara09 @CurieuxExplorer @EchoofLight11 @Nicochan33 @nafisalam @smaksked @Corix_JC @amalmerzouk @quepasachico @IngridVasiliu @EstelaMandela @sonu_monika @RLDI_Lamy @SpirosMargaris @Timothy_Hughes @avrohomg @bimedotcom @HaroldSinnott @mvollmer1 @DG_Collective @sijlalhussain wired.com/story/the-eu-bans-…
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Mike Flache retweeted
This week's Cashless newsletter has three articles pulling the stablecoin dominance thesis apart. The cracks are structural. Stablecoins can't legally settle tokenized assets. 99.5% of their market cap is dollar-denominated while only 50% of global trade invoices in dollars. And the WTO says moving money fast isn't trade finance. No letters of credit, no guarantees, no risk mitigation. Settlement, currency, trade finance. Three pillars, three problems. JPMorgan, Citi, and Wells Fargo are already building the replacement with tokenized deposits launching in 2027. Everyone assumed stablecoins would become financial infrastructure. What if they're just the prototype? This week's topics: -The Battle for Tokenization's Soul Isn't About the Assets, but How You Pay for Them -Stablecoins' 99% Problem: The US Dollar -WTO: Stablecoins May Speed Payments but Not Trade Finance -Will AI Exterminate Humankind? That's the Wrong Question. -Prediction Markets Are Not the "Wisdom of the Crowd" if Just 3% Set the Price -Dive into the Knowledge Vaults — Start with two free reads -Chart and Art of the Day — Superapps Help China Take the Lead Over the US in AI Adoption buff.ly/RBYu9hz #fintech #tech #finserv #AI @BetaMoroney @efipm @BrettKing @spirosmargaris @jasuja @enricomolinari @mikeflache #CBDC #FinTech #FinServ @efipm @Kiffmeister @sonjadav @Jonas__Gross @conrad_kraft @JoshuaLipsky
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Mike Flache retweeted
The Hidden Agenda Behind the AI Panic wsj.com/opinion/the-hidden-a… ✍️ Gabriele Mazzini via @WSJopinion 👉 The author argues that sensationalist corporate warnings of an impending AI apocalypse serve as a calculated narrative to anthropomorphise mathematical models and shield tech executives from accountability. 💡 This analysis offers a timely reminder to policymakers that the primary risk stems from human builders abdicating responsibility rather than from autonomous software. @Corix_JC @SonuMonika @TheAIObserverX @maponi @JagersbergKnut @ahier @ChuckDBrooks @Shi4Tech @CEO_AISOMA @sallyeaves @EchoofLight11 @dinisguarda @TarakRindani @FrRonconii @Nicochan33 @Khulood_Almani @TysonLester @SusanHayes_ @EstelaMandela @JoannMoretti @sulefati7 @FernandaKellner @pchamard @NeiraOsci @darioandriani @ALouiseLavalett @Fabriziobustama @amalmerzouk @mikeflache @RLDI_Lamy @smaksked @Eli_Krumova @PVynckier @chidambara09 @sminaev2015 @NathaliaLeHen @Analytics_699 @DanielleLargier
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Researchers show a thermodynamic system can generate images without a single neural network call. It's called Generative Thermodynamic Computing. Right now, every image generator works the same way. It uses massive, energy-hungry neural networks to mathematically "denoise" static until a picture appears. It requires billions of parameters. And millions of dollars in GPU compute. But this paper proved that is completely unnecessary. They replaced the neural network with a physical thermodynamic system. Instead of writing code to calculate the denoising, they just let physical matter evolve over time according to the laws of physics. The information isn’t stored in software weights. It is encoded directly into the physical dynamics of the system itself. But here is the craziest part. How does it learn? It minimizes heat. They trained the system by forcing it to reverse a trajectory from noise back to structure. In physics, doing this efficiently means producing the absolute minimum amount of heat. By simply optimizing for the lowest heat emission, the system naturally learned to generate perfectly structured data from pure noise. Zero neural networks. Zero artificial noise injection. Zero active software control. It just naturally synthesizes structure out of chaos, exactly the way physical matter forms in the universe. If this gets built into analog hardware, the implications are staggering. You wouldn’t need software to run a generative AI. You would just turn on a physical chip, let it naturally relax, and watch it generate data. We have spent billions trying to make software simulate reality. It turns out it's infinitely cheaper to just let reality compute the software.
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Mike Flache retweeted
Everyone thinks the AI safety debate is brave. CEOs warning that AI might wipe out humanity sounds like courage. It's not. It's the safest position they can take. Debating extinction costs nothing. No product changes. No liability. No accountability. It's a press release dressed as a moral stance. Meanwhile, 87% of companies have no AI governance framework. 84.6% have nobody responsible when AI causes harm. A deepfake Zoom call stole $3.8 million. Teenagers died from AI companion interactions. These are fixable problems with known solutions. The extinction debate isn't courage. It's the most convenient distraction in tech history. Which is harder to fix: a hypothetical future or the 87% governance gap that exists right now? richturrin.substack.com/p/wi… #fintech #tech #finserv #AI @BetaMoroney @efipm @BrettKing @spirosmargaris @jasuja @enricomolinari @mikeflache
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Mike Flache retweeted
Gold Tokenisation (Part 1): The 5,000-Year Asset Meets the Programmable Blockchain Present Gold occupies a peculiar place in the periodic table. Of all 118 elements, only one is simultaneously dense enough to be portable in concentrated value, soft enough to be worked by hand, chemically inert enough to survive millennia in a riverbed, and rare enough that scarcity is a function of cosmology rather than policy. Astrophysicists now believe most of the gold in the Earth’s crust was forged in the collisions of neutron stars, kilonova events, billions of years before our planet condensed. Every wedding ring, every central bank reserve, every PAXG token represents a fragment of stellar catastrophe that became, through the slow alchemy of geology and human attention, the most universally recognised store of value our species has ever produced. In the spring of our times, that 5,000-year story enters a new and structurally different chapter. Gold has become programmable. The tokenised commodity market expanded from approximately $1.9 billion in January 2025 to $7.13 billion by February 2026, a fourfold increase driven almost entirely by gold-backed tokens. Tether Gold (XAUT) and Paxos Gold (PAXG) alone account for roughly 73% of the segment, and tokenised gold has now ranked as the world’s second-largest gold investment vehicle by trading volume, trailing only the SPDR Gold Shares ETF. hedgethink.com/gold-tokenisa… CC @enilev @JagersbergKnut @TysonLester @CurieuxExplorer @GlenGilmore @FrRonconii @chidambara09 @jeancayeux @mvollmer1 @Nicochan33 @RLDI_Lamy @pchamard @mikeflache @Fabriziobustama @EchoofLight11 @Mack1510019 @ipfconline1 @PawlowskiMario @drsharwood @kalydeoo @baski_LA @AnthonyRochand @smaksked @Eli_Krumova @andresvilarino @gvalan @AI_4_Healthcare @bimedotcom @arlenenewbigg @NewsNeus @domingonarvaez1 @bamitav @jornalistavitor @jblefevre60 @FmFrancoise @MHcommunicate @Corix_JC @c4trends @smoothsale @amalmerzouk @PVynckier @bbailey39 @ralf_ladner @mary_gambara
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Mike Flache retweeted
Banks positioned themselves as victims of fintech disruption. The data tells a different story. Customers revolted against historically high payment fees because banks gave them no alternative. 53% of retail cross-border payments now go through fintechs. That didn't happen because Wise had better marketing. It happened because banks charged 3-5% on international transfers for decades and assumed nobody would notice. The G20 now mandates retail payment costs below 1%. Banks created the regulatory and competitive backlash they're now complaining about. Is banking's payments crisis self-inflicted? richturrin.substack.com/p/ba… #fintech #tech #finserv #AI @BetaMoroney @efipm @BrettKing @spirosmargaris @jasuja @enricomolinari @mikeflache
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Mike Flache retweeted
The Einstein test: what happens when AI tries to rediscover relativity? nature.com/articles/d41586-0… ✍️ Philip Ball via @Nature 👉 The article examines whether language models trained on historical data can independently replicate monumental creative breakthroughs in physics. 👉 The feature explores a retrospective benchmark to see if the system can shift from accelerating pattern recognition to independently formulating radical concepts like the equivalence principle and curved spacetime. 💡 By framing scientific creativity around the complex, long chains of conceptual reasoning that led to general relativity, Ball establishes a brilliant and necessary benchmark that moves the evaluation of AI past simple equation-solving or raw data ingestion. @Corix_JC @SonuMonika @TheAIObserverX @maponi @JagersbergKnut @ahier @ChuckDBrooks @Shi4Tech @CEO_AISOMA @sallyeaves @EchoofLight11 @dinisguarda @TarakRindani @FrRonconii @Nicochan33 @Khulood_Almani @TysonLester @SusanHayes_ @EstelaMandela @JoannMoretti @sulefati7 @FernandaKellner @pchamard @NeiraOsci @darioandriani @ALouiseLavalett @Fabriziobustama @amalmerzouk @mikeflache @RLDI_Lamy @smaksked @Eli_Krumova @PVynckier @chidambara09 @sminaev2015 @NathaliaLeHen @MHcommunicate @Analytics_699 @DanielleLargier
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Mike Flache retweeted
The interesting aspect isn't whether AI development should slow down, but who decides where to apply the brakes. In every major technology cycle, the tension between innovation and regulation is real; yet regulation that tries to slow technology itself rarely ages well. A more constructive question is how we govern the consequences without preventing the underlying progress. That distinction will matter more as AI moves from "experimentation" into critical infrastructure. What's your take on this development? @pchamard @Khulood_Almani @antgrasso @GlenGilmore @Shi4Tech @chidambara09 @CurieuxExplorer @EchoofLight11 @Nicochan33 @nafisalam @smaksked @Corix_JC @amalmerzouk @quepasachico @IngridVasiliu @EstelaMandela @sonu_monika @RLDI_Lamy @SpirosMargaris @Timothy_Hughes @avrohomg @bimedotcom @HaroldSinnott @mvollmer1 @DG_Collective @sijlalhussain wired.com/story/ai-leaders-a…
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Mike Flache retweeted
Banks think AI personalization will make customers stay. The data says customers already decided to leave and are just waiting for the door to open. 62% would switch if it were easier. Digital account opening is making it easier every quarter. Instant transfers mean your paycheck follows you out. Lifelong banking loyalty is extinct. Personalizing a late fee notification doesn't bring it back. Neither does a birthday email from an algorithm. When the switching cost hits zero, what's the personalization strategy then? richturrin.substack.com/p/ai… #fintech #tech #finserv #AI @BetaMoroney @efipm @BrettKing @spirosmargaris @jasuja @enricomolinari @mikeflache
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Replying to @RLDI_Lamy
🧠 Your Brain May Be More Complex Than We Ever Imagined What if a tiny piece of brain tissue could be described using up to 11 mathematical dimensions? In a study, scientists from the Blue Brain Project used advanced mathematics to study how groups of connected neurons form complex structures. They found patterns that could be represented in dimensions far beyond the familiar 3D world. But there’s a fascinating twist: the brain is not physically 11-dimensional. These extra dimensions are mathematical ways of describing the incredibly complex connections between neurons. The discovery gives scientists a new way to explore how the brain organizes information and shows just how much we may still have to learn about the organ inside our heads. Source: Reimann, M. W., et al. (2017). Cliques of neurons bound into cavities provide a missing link between structure and function. Frontiers in Computational Neuroscience, 11, 48.
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