Contents of https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/ https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/ Contents of https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/ en-GB (C) 2026 University of Warwick Wed, 26 Aug 2026 16:33:40 GMT http://blogs.law.harvard.edu/tech/rss SiteBuilder2, University of Warwick, http://go.warwick.ac.uk/sitebuilder A Two-Layer Architecture for Digital Assets: Decoupling Asset Custody from the Ownership Record https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/two_layer_architecture_for_digital_assets/ This paper argues that the future of finance lies in a hybrid model where stablecoins operate on public blockchains with banks serving as regulated intermediaries, balancing innovation with compliance, stability, and the essential role of money creation. Stable Coin CBDC Blockchain Wed, 26 Aug 2026 12:42:08 GMT Mohammad Nourbakhsh https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/two_layer_architecture_for_digital_assets/ Bridging the Divide: The Hybrid Future of Stablecoins and Traditional Finance https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/bridging_the_divide/ This paper argues that the future of finance lies in a hybrid model where stablecoins operate on public blockchains with banks serving as regulated intermediaries, balancing innovation with compliance, stability, and the essential role of money creation. Stable Coin CBDC Blockchain Wed, 26 Aug 2026 12:42:08 GMT Mohammad Nourbakhsh https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/bridging_the_divide/ Deposit Tokens: The Banking Response to Stablecoins https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/deposit_tokens/ This paper argues that the true innovation of stablecoins is the public blockchain platform itself and asserts that commercial banks can directly compete by issuing their own deposit tokens on these networks, combining the efficiency of digital assets with the inherent trust, regulatory compliance, and yield-bearing nature of traditional bank deposits. Stable Coin CBDC Blockchain Wed, 26 Aug 2026 12:42:08 GMT Mohammad Nourbakhsh https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/deposit_tokens/ Emerging Architecture of Clearing and Settlement in Digital Finance https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/emerging_architecture_of_clearing_and_settlement_in_digital_finance/ This paper argues that the true innovation of stablecoins is the public blockchain platform itself and asserts that commercial banks can directly compete by issuing their own deposit tokens on these networks, combining the efficiency of digital assets with the inherent trust, regulatory compliance, and yield-bearing nature of traditional bank deposits. Stable Coin CBDC Blockchain Wed, 26 Aug 2026 12:42:08 GMT Mohammad Nourbakhsh https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/emerging_architecture_of_clearing_and_settlement_in_digital_finance/ From "Trust the Issuer" to "Verify the Ledger": Designing the Token Operator https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/designing-the-token-operator/ This paper argues that the future of finance lies in a hybrid model where stablecoins operate on public blockchains with banks serving as regulated intermediaries, balancing innovation with compliance, stability, and the essential role of money creation. Stable Coin CBDC Blockchain Wed, 26 Aug 2026 12:42:08 GMT Mohammad Nourbakhsh https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/designing-the-token-operator/ The Bank of England’s stablecoin regime: the missing liquidity lens and open questions on credit https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/boe_stablecoin_regime/ This paper argues that the future of finance lies in a hybrid model where stablecoins operate on public blockchains with banks serving as regulated intermediaries, balancing innovation with compliance, stability, and the essential role of money creation. Stable Coin CBDC Blockchain Wed, 26 Aug 2026 12:42:08 GMT Mohammad Nourbakhsh https://warwick.ac.uk/fac/soc/wbs/subjects/finance/gillmore/publications/insightpapers-copy/boe_stablecoin_regime/