The exponential growth of AI is outpacing our ability to govern the safety and security of its data use. Agentic AI, a rapidly advancing form of autonomous decision-making AI, is transforming industries while raising new data privacy concerns due to the vast volumes of sensitive prompt data generated in real
Digital identity is at a turning point. Terminal 3’s new paper explores Verifiable Private Identity (VPI), a user-centric approach that uses decentralized and privacy-enhancing technologies to transform how individuals and enterprises manage identity, security, and compliance. inside you'll lear * How Verifiable Private Identity protects user privacy &
The final installment of our three-part series on Tether, the backbone of Web3 which makes tens of billions per year, looks at the future as it bids to grow its influence from the stablecoin leader to one of the most powerful firms in technology.
This is the second in our three-part series looking at Tether, the shadowy company behind the world’s most traded cryptocurrency—the USDT stablecoin.
GM, This week is the first of a three-part series of Tether, the company behind USDT—the world’s most traded stablecoin—which has grown into a multi-billion dollar business that holds more US bonds than many countries, and is charging into AI and other areas. Let’s start with
As AI agents become increasingly capable of handling complex tasks, they also require more sensitive personal information to function effectively. This creates a fundamental paradox: the more useful an AI assistant becomes, the greater the privacy risk it potentially poses. Terminal 3's decentralized private data network solves this
Users are unaware of how their personal information is collected, stored, and utilized, leading to skepticism about the safety of their data. At the intersection of decentralized technologies and privacy-enhancing technologies (PETs)—lies the solution to this trust deficit.
In just a few short years, artificial intelligence (AI) has transformed from an abstract concept to a ubiquitous technology reshaping our daily lives. How can we govern the safety and security of it's data use?
TL;DR * Hong Kong and Singapore are at the forefront of stablecoin regulation in Asia, each constructing frameworks aimed at balancing innovation, financial stability, and trust. * Hong Kong has implemented an extensive, mandatory licensing regime for fiat-backed stablecoins. * Singapore has developed a tiered model under revised Payment Services Act amendments,
Learn how chip-level Trusted Execution Environments protect data in the cloud while enabling fast AI automation and compliance. TL;DR * Heavy fines, rising insurance premiums, and public distrust now follow every data leak or software mishap, costing companies billions each year. * TEEs: a proven chip-level security method that acts like
GM, Decentralized identity is the hot topic in Web3 right now. The launch of a token for the billion-dollar valued Humanity Protocol and World’s big-name partnerships with Tinder, Razer, and Visa mark a turning point: decentralized ID is finally going mainstream. As AI blurs the line between real and
Discover how zero-knowledge proofs prove compliance, block fraud, and slash breach costs without revealing customer data.
Global Regulations
Discover how Vietnam’s Digital Technology Law defines crypto assets, mandates strong KYC / AML controls, and how Terminal 3’s ZKP identity rails keep firms compliant.
SO WHAT?
GM, Shopify, Stripe, PayPal, Visa, Uber, Apple, Google… these are some of the companies that have integrated or are considering integrating stablecoins into their business. We wrote about the potential of stablecoins nearly 18 months ago, but the concept of digital money has rapidly gained traction even over that short
SO WHAT?
GM, Launching a token can make founders of Web3 startups rich—and in far quicker time than it takes to be acquired or go public in an IPO. Cryptocurrency markets are liquid, but that can also spell peril for companies if their token price falls. That’s the subject of
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Dear Friends, When we founded Terminal 3, we were imagining what the internet could be if it were truly equitable. We envisioned a digital world where privacy is a right not a privilege, and where businesses can innovate without compromising trust. Our mission is to prove that data should be
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Hong Kong, 30 April 2025: Terminal 3, a Hong Kong-based Web3 startup, has successfully raised a seed funding round of US$8m. The investment will drive the development of a novel data privacy and security protocol due for launch later in the year and accelerate the adoption of the company’
SO WHAT?
GM, Circle’s IPO has been talked about for a number of years, and finally it just took a big step to reality after the US firm—which issues popular stablecoin USDC—filed to go public on the New York Stock Exchange (NYSE). This week we’re digging into its
SO WHAT?
GM, This week we’re looking at the growing convergence between traditional finance and payments and the Web3 industry. This year alone, billions have been spent on acquisitions both ways and companies on both sides are likely to increasingly look like each other. Let’s dive in! Best, Jon and
SO WHAT?
GM, It’s been a month since Web3’s largest ever hack took place: ByBit lost $1.5 billion at the hands of North Korea-affiliated hackers. The audits are in, the real-time stories have been written, but what are the bigger takeaways from this catastrophic event? Our newsletter this week
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Dropping 2-year-old Coinbase lawsuit signals a major shift in US crypto regulation
SO WHAT?
Our predictions for this year and our review of last year’s forecasts
SO WHAT?
GM, Happy New Year! We enjoyed a restful festive period here at SO WHAT and we are excited to be back. How excited you ask? Excited enough to 10X our annual recap, which includes 30 must-note topics from the year that was 2024. Stand by for our predictions, which will
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We are excited to announce our strategic partnership with Varmeta, an end-to-end development studio building products with emerging technologies to revolutionize industries. This collaboration brings together Terminal 3's expertise in privacy-preserving verifiable identities with Varmeta's comprehensive capabilities in Blockchain and AI development. Together, we are set