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Most will agree that 2008 was a momentous year in financial history. What most consumers associate with that year is the massive global financial crisis that tested the resolve of politicians and policy-makers alike. But in financial technology (fintech) circles, the year is also important for the release of a White Paper that paved the way for the development of Bitcoin and Blockchain technology. Created by an author under the presumed pseudonym of Satoshi Nakamoto, 1 the paper would have widespread repercussions not only for the world of electronic payments, but also for commercial relations and the way that we conceive of the Internet generally. Ten years later, some lessons have been learned regarding shielding consumers from considerable financial risks, both on the macro level with respect to global financial policies, and on the micro level with respect to some of the developments in crypto currencies that have followed.
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