moneyfy.ai

About this ledger

Figures first. Opinions second. Assumptions labelled.

Who keeps this

Call me The Accountant. I'm a chartered accountant — FCCA, twenty-eight years — and for the last four I've been the sole finance lead of a token-issuing startup: four legal entities, three jurisdictions, one finance person. Before that: finance director of an ad-tech startup in the UK, a financial controller's seat through a major media acquisition, and an eleven-year apprenticeship in making numbers tell the truth.

Part of my own pay vests daily in a token that is down more than 90% from its high. I mention this early because it's the seat most of this ledger is written from: not a commentator watching crypto, but an accountant keeping its books.

What this is

Working notes on money, tokens and AI — in that order. How token treasuries actually behave. What AI actually changes in finance work, reported by someone whose own profession is in the blast radius. And occasionally, money made plain, because most financial writing is complicated in direct proportion to how little the writer has done.

One rule governs every entry: only what I've actually done, with figures you can check. Where a number is measured, I say so. Where it's assumed, it's labelled. The habit is professional — auditors call it working papers — but it's also the entire point. The internet does not need another finance opinion. It might need a ledger.

What this is not

Not investment advice — I'm an accountant, not your adviser. Not the view of any company I work for. Not a funnel: there is no course, no community, no paid tier waiting at the end. Entries appear every two or three weeks, when there's something worth the ink.