True financial inclusion is slow, institutional, and often unglamorous. It requires legal identity, consumer protection, financial education, and integration with the real economy. Crypto can complement these efforts, but it cannot substitute for them. When promoters portray crypto as a standalone emancipatory tool, they conflate access with empowerment and technology with trust.

Cryptocurrency emerged from a deeply philosophical conviction: that money should be decentralized, insulated from political discretion, and freed from the control of governments and banks. At its core, this belief reflects a distrust of centralized authority—born from repeated historical episodes of inflation, capital controls, financial repression, and crisis-driven bailouts. Crypto promised an alternative monetary order: rule-based rather than discretionary, global rather t

“Cryptocurrency is driven by the belief that money should be  decentralized , not controlled by governments or banks. It champions  financial sovereignty , giving individuals absolute ownership of their assets. The movement favors  code over institutions , replacing intermediaries with transparent, trustless systems. Promoters see it as a pathway to  universal financial access , beyond geography or status. At its core lies a conviction in  economic freedom and censorship resi

Finance bill 2026 and its tax proposals on stock market transactions Focus: Securities Transaction Tax (STT) and Taxation of Share Buybacks The Finance Bill 2026 introduces two targeted but high-impact tax changes affecting capital markets: an increase in Securities Transaction Tax (STT) on equity derivatives, and a shift in the tax treatment of corporate share buybacks. While narrow in scope, both measures have meaningful implications for market liquidity, investor behaviour

A quick read about market hype around Meesho and Lenskart IPO

Within a week span, I encountered these individuals: - A well known healthcare practitioner was earning INR 6 million a year from his...

Declaration: The author holds Insurance Policy and Savings related policies underwritten / sold by the corporation. For an average Bharatiya (I am continuing to address Indian as Bharatiya), the received wisdom is once you start earning take insurance policy from LIC. LIC is currently 100% owned by Government of India and hence there is a engrained belief that government will honour the obligation arising from Insurance policy if any. The insurance business under LIC will be

The headline for this blog is very stark and convulsive. at the outset I apologise for the same. I would however persist with the...