The Digital Assets Revolution

What This Digital Assets Book Is About

I was born to be the Underdog. Not by choice. But once I realized I'd beat the competition in one of the most severe situations possible, I understood I could take on anything else.

There's a famous story from New York in 1940: a press agent led a bull through a china shop as a publicity stunt. The bull walked through without breaking a single thing. The damage was caused by a bystander—terrified of what might happen—who panicked and backed into shelves. For decades, I've thought about what that story really means.

It's about fear. It's about how the expectation of damage causes the damage. It's about how other people's fear becomes your problem to manage. It's the story of blockchain technology in America. It's the story of any digital asset system that was never built for someone like me.

I've spent 30 years on Wall Street—Bloomberg, Merrill Lynch, Bank of America—building financial infrastructure and blockchain systems. I've also spent my entire life in a wheelchair, navigating a world that wasn't designed for my body. Those two experiences aren't separate. They're the same lens applied to different problems.

People will tell you I'm arrogant. What they're really seeing is self-confidence. Confidence that comes from never having the luxury of low expectations. Confidence that comes from proving yourself constantly, not to others, but to yourself. From competing with yourself instead of waiting for the world to give you permission.

This book is about financial infrastructure. About how money moves. About stablecoins and digital assets. About how systems work or fail. But underneath all of that, it's about what you learn when you're forced to see systems from the outside—from the position of the person they weren't built for.

The best infrastructure isn't built for the person with perfect conditions. It's built for the person with the most constraints. And when you do that, it works for everyone.

This is not a book about cryptocurrency hype. This is about the future of money, the role of disability in redesigning systems, and why the underdog perspective is the clearest one you can have.