Financial Technology Β· SMU Β· Bitcoin

Decentralized Finance & Sovereignty

Where cryptographic architecture meets ethical finance β€” my work explores Bitcoin, Layer 2 protocols, and digital asset sovereignty as tools of community empowerment.

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Financial Technology Certificate

Southern Methodist University (SMU) Β· Completed 2024
Blockchain Β· DeFi Β· Digital Asset Policy Β· AI in Finance

Why FinTech?

The relationship between money, power, and access has always been a moral issue before it was a technical one. The communities I served in the nonprofit sector were not underbanked by accident. They were excluded by design β€” by credit scoring algorithms, by geographic redlining encoded into data systems, by a financial infrastructure that optimizes for the already-wealthy.

Financial technology, at its best, is a wrench thrown into that machinery. Bitcoin and the protocols being built on top of it offer, for the first time in history, a genuinely permissionless, non-confiscatable financial layer. This is not speculative idealism. It is an engineering fact β€” and an ethical opportunity.

Core Research Areas

Bitcoin Layer 1

Bitcoin Ordinals & Inscriptions

Research into the Ordinals protocol β€” the system enabling arbitrary data inscription onto individual satoshis β€” and its implications for digital ownership, identity, and decentralized creative economies.

Bitcoin Layer 2

Layer 2 Scaling Protocols

Analysis of Lightning Network, Ark, and RGB Layer 2 solutions for Bitcoin. Submitted protocol improvement commentary and engaged directly with developer communities on ordinal asset standards.

Ethical Finance

Digital Sovereignty & Wealth Preservation

Research on non-confiscatable wealth structures β€” Bitcoin as sound money, family trust architectures, and private placement strategies for communities historically excluded from generational wealth.

AI + Finance

AI-Powered Financial Inclusion Tools

Concept and early development of LLM-powered tools for financial literacy β€” making complex asset structures, DeFi protocols, and tax-advantaged strategies accessible to underserved communities.

Bitcoin Ordinals: Protocol Submissions

My engagement with the Bitcoin development community goes beyond passive study. I have submitted improvement requests and commentary on specific ordinal and Layer 2 asset standards, engaging with the technical questions of inscription permanence, provenance verification, and the ethical dimensions of digital scarcity.

This work is ongoing. As these protocols evolve, I am tracking their implications for digital creative economies β€” a direct intersection with my SCAD background in design and my AI research practice.

The Theological Dimension of Sound Money

One of the most underexplored intersections in my research agenda is the relationship between Bitcoin's fixed supply, the concept of stewardship in Judeo-Christian ethics, and the Confucian principle of zhengming (正名) β€” the rectification of names. What does it mean for money to be honest? What is the moral weight of a currency that cannot be inflated away? These questions sit at the edge of FinTech, philosophy, and theology β€” precisely where I work.

External Projects & Links

The following are live and developing projects. Links will be updated as projects launch: