So pleased to announce the publication of my first book: Who holds the key? An Everyday Guide to Cryptography, Passwords, Crypto Wallets, and navigating the technology that protects your privacy in the modern world. You used cryptography fifty times before breakfast. Isn't it time you understood the locks your life depends on? You unlocked your phone with your face. Paid for coffee with a tap. Sent a message that says it's "end-to-end encrypted." Checked your bank without typing a password. Every one of those moments ran on cryptography — working so silently you never saw it. This book is about what happens when you finally look. No math. No jargon. No paranoia. Just clear answers to the questions everyone quietly wonders about: Can WhatsApp really not read my messages? (Mostly true — with four asterisks that matter.) Where does my Face ID data go — and is it safe? Isn't keeping every password in one app insane? What am I agreeing to when my wallet says "Sign"? Will quantum computers break everything? When should I worry? What happens to my crypto, accounts, and photos when I die? This book answers the questions that help you decide amongst the bewildering array of options that are forced upon everyday people all the time — primarily by platforms. Which messaging app to use, should you use a passkey or a password, which encryption options to turn on, back up your data to the cloud or not. Most often the defaults don’t protect your privacy, but rather leave your data open to harvesting. By understanding some key concepts drawn from the world of cryptography, you will make better decisions for you and your family. I hope you enjoy this exploration. The whole book rests on four plain ideas — keys, who holds them, signing, and where keys live — and one master question you'll use for the rest of your life: who holds the key? By the last page you'll judge any app, gadget, or frightening headline for yourself, and you'll know exactly which handful of switches to flip tonight, sorted Good / Better / Paranoid, so you can protect what matters and relax about the rest. Written for the everyday reader — the one who taps, swipes, messages, banks, and wonders. If you can lock a front door, you can understand the locks that now guard your money, your memories, and your voice. In a world increasingly run by locks you cannot see, knowing even a little about how they work puts the power back where it belongs: with you. Available now on Amazon, Apple and at independent bookstores around the world. whoholdsthekey.com Please write a review!

Early on, I thought being a founder meant having all the answers. I couldn't have been more wrong. The best moments of growth usually came right after I admitted I was out of my depth. There's a strange kind of power in being wrong. #StartupLife #Growth #Leadership

Hard at work writing our SEC comment letter on Crypto Regs - since there is no Clarity Act upon which to structure the regs, the SEC has to hang the new regs on Howey. This creates some serious questions about secondary trades being considered securities - not an outcome we would have under the Clarity Act - so burning the midnight oil - and thankful for all the discussions with the SEC who have been very open to alternate ways of dealing with stuff like this. #NotALawyer #Entrepreneur

Looking at my portfolio today and wondering: if you had to lock away one asset for the next decade without checking the price, what would it be? I find the exercise helps clear the noise of the daily charts. #Crypto #Investing #LongTerm

I've noticed the most resilient founders in 2026 aren't the ones chasing every new AI model. They're the ones using AI to quietly solve boring, structural problems while others seek the spotlight. It’s the quiet work that lasts. #AI #Startups #Founders

Spent the morning reviewing my digital estate plan. It’s a bit sobering to think that most of our on-chain wealth could vanish if we don't plan for the inevitable. Simple multisigs are a start, but we need more elegant solutions for our heirs. #CryptoInheritance #Web3 #Planning

The era of "AI-first" is maturing into "Value-first." We’ve stopped being impressed by the tech itself and started looking for the quiet efficiency it brings to our lives. It’s a welcome change, I think. #ArtificialIntelligence #TechTrends #Productivity

Your "seed phrase on a metal plate" isn't an inheritance plan. It's a treasure hunt with no map. In 2026, we have the tools to make crypto transfer seamless and secure without compromising privacy. Don't leave your life's work to chance. #Web3Security #DigitalAssets #Wealth

Early this morning, I was reminded of a small failure from my first startup. At the time, it felt like the end. Looking back, it was merely a necessary lesson in patience. Success often arrives quite unannounced, provided you're still in the game. #StartupLife #Entrepreneurship

Last week I was in Washington, DC with a parliamentary delegation led by Dr Lisa Cameron, Founder, US-UK Crypto Alliance, former Chair UK Crypto All Party Parliamentary Group APPG and former-MP, @KulveerRanger, UK House of Lords, and @Lord_ofWarwick for three days of meetings across Capitol Hill, the White House and the regulators. Here's what I took away:  The Clarity Act will be back. The cloture vote failed to advance the bill. But on both sides of the aisle, lawmakers told us they're confident it gets picked back up after the midterms. Senator Tillis's voting maneuver keeps the door open for the bill to be called back for another vote. The other factor was simply time: Congress left DC at the end of last week, presumably to prepare for the midterms, and there was no room left to finish the process. The people in the room. We met with senior members who lead or sit on the key financial services committees and subcommittees: Chairman French Hill, who brings real financial services experience, having built a bank himself Bryan Steil, Chairman of the House Subcommittee on Digital Assets, Financial Technology and AI Rep. William Timmons of House Financial Services Committee Senator @SenLummis’s team and @gillibrandn’s team President's Council of Economic Advisors at the Whitehouse Commissioner @HesterPeirce and team at the SEC The banking lobby's argument is weaker than it sounds. Banks are working hard to hold on to every last point of margin they earn from customers, which is why we keep hearing FUD about deposit flight and credit unions. At the @CEA47 in the White House walked us through their report issued last week. It uses extensive data to show that the risk stablecoin yield poses to the banking sector has been dramatically overstated. The regulators aren't waiting. The SEC and CFTC have stepped up work on market regulation. These rules would have been needed to implement the Clarity Act anyway. Now they're moving ahead with a tighter, more comprehensive framework for market structure. We look forward to the rapid implementation of these regulations.  A final meeting. We met with SEC Commissioner Hester Peirce and her Crypto Task Force team. Commissioner Peirce will be stepping down soon, and the industry owes her a great deal for what she has led over the last several years. Her team has clear momentum in carrying that work forward What's next: Vault12 will be submitting a comment letter on the proposed regulations. Stay tuned. Thank you to everyone who took the time to meet with us. A great many thanks to Jennifer Summers FCIM and Stefan Muehlbauer for organizing the meetings and shepherding us through the US Capitol #Crypto #ClarityAct #DigitalAssets #Stablecoins #Web3 #Vault12 #UKUSCryptoAlliance @EasyA (@dom_kwok, @kwok_phil), @Vault12 (@wasima), @Chilliz (Alexandre Dreyfus), @Monotlith (Rufus Daniel), @OpenPayd (Iana Dimitrova, David Bull)

A friend recently asked me if their spouse could access their hardware wallet in an emergency. The silence that followed was their wake-up call. Cryptography is powerful, but it's also unforgiving. Your backup strategy needs a human element. #Cryptography #CryptoTips #FamilyOffic

I’m curious to hear from the VCs on my timeline. As we look at the 2026 landscape, are you finding yourself drawn more to the technical brilliance of a protocol or the quiet resilience of the team behind it? I suspect I know the answer. #VentureCapital #Crypto #Investing

I’ve noticed a quiet shift lately. The most impressive founders aren't those using AI for everything, but those who know exactly where to keep the human element. There's a subtle beauty in knowing when to step back from the algorithm. #AI #Startups #Founders

We spend years building on-chain wealth, yet many of us haven't spent an afternoon thinking about how it reaches our children. It’s a bit of an oversight, really. Digital legacy shouldn't be an afterthought in 2026. #CryptoInheritance #Web3 #FamilyLegacy

I just bought tickets to Andrew Lear at Laurie Beechman Theater! tkts.to/e/lbt25-andrew-lear/… from @ShowClix

I have had a few small wins this year, for which I am very grateful. But I often think the best lessons came from the quiet failures nobody saw. There is a certain dignity in getting it wrong and simply trying again. #PersonalBranding #Growth #Resilience

Building a startup in 2026 feels less like a race and more like an endurance test in a hall of mirrors. The tech is everywhere; the real challenge is staying grounded enough to actually solve a human problem. #StartupLife #TechTrends #Entrepreneurship

“Technology is the whole game,” Helberg says in a rare interview. “Whoever leads the world technologically will likely also lead economically and militarily.” politico.com/news/magazine/2…

We talk a lot about AI agents executing trades, but I am more interested in the AI that manages the ethics of our digital estates. If the code is law, who writes the heart into the code? Just a small thought for a Tuesday. #AI #Ethics #Blockchain

The end of a long but momentous week in DC - Great meeting at the SEC with the US-UK Crypto Alliance… and the last time with Commissioner @HesterPeirce - thank you for all your hard work, there’s lots of momentum and lots of to do and a great team to do it with.