A bridge connecting old ideas to new technologies


Just released!

About the book

What is the future of money? What is the difference between bitcoin, blockchain, coins and tokens? What is cryptocurrency and why all the fuss? And what about gold?  What will be a long-term stable store of value and how does that relate to what may or may not be valuable as an investment? Is blockchain a short-term fad or will it truly disrupt everything? 

Money Without Boundaries is a must-have resource for anyone interested in exploring these questions. See how over 100 years of theory converge with emerging technologies to create a new 5G reality. The punchline: the convergence of these megatrends changes and disrupts everything as you know it today.

Why I Wrote it

I wrote this book because I do not understand exactly why the $100 bill in my pocket is worth more than than the $20 bill. Money should be simple and easy to understand. Nothing could be further from the truth.  

My quest to understand the future of money begins by recognizing that the fascination with money is in fact a well-studied, old topic - not an emerging Reddit meme. I begin with a foundation looking at: 

  1. The history of money. 
  2. Money from the perspective of Plato, Adam Smith, Milton Friedman, Friedrich Hayek and many others. 
  3. The present - including the rise of cryptocurrency and the revolutionary technology behind it, blockchain.

I conclude that new technologies make it possible for over 100 years of monetary and portfolio theory to unite and converge. 

Because the conclusion is part theory and part prediction, I freely admit that I could be wrong. Fortunately, "right or wrong" isn't the point of the book. As billions of dollars are pouring into this space, and trillions more depend on the outcome, my goal is to enable a broader group of people make their own connections between old ideas and new technologies.

Main Ideas


1. The future of money must not be dependent on any single technology

For many people blockchain is a hammer and everything looks like a nail. Money Without Boundaries did not begin as a project with an end in mind. My view is that blockchain will facilitate the denationalization of money – it contributes to the future of money, but it isn’t necessary.

2. The holy grail for optimal money is the risk-free asset – a constant, steady store of value

Optimal money must be:

  • A stable store of value. A unit should buy the same amount of goods and services in 100 years as it does today. 
  • Steady and constant relative to every other currency. 
  • Easily understood - not only its value, but also exactly why society values it. 
  • Accessible in any medium of exchange, now or ever in existence (checks, electronic, debit cards or payments of the future)

3: The holy grail is within our reach

About me


My name is Tom Anderson. I am the founder of two financial technology platforms: Supernova Technology (a provider of critical infrastructure to large banks and insurance companies) and Anasova  (an early-stage company leveraging blockchain technology to organize and optimize individuals' financial picture). 

Prior to working in technology, I worked in investment banking and wealth management for Wells Fargo, Deutsche Bank, Merrill Lynch, and Morgan Stanley where I served as Executive Director, Morgan Stanley Wealth Management. I have authored three books prior to Money Without Boundaries, most notably The Value of Debt, a New York Times bestseller.  

I have been interviewed  in news media outlets around the world including the New York Times, USA Today, Forbes, CNBC, Fox, Bloomberg, and the Washington Post. I am a regular speaker at events throughout the financial services industry. I received my M.B.A. from the University of Chicago and a B.S.B.A. from Washington University in St. Louis. 


Many technologists I have met understand the potential weakness of “consensus” but have never heard of Friedrich Hayek or the theoretical basis of the risk-free rate. Some finance executives I know understand the inner-workings of repurchase agreements but have never heard of a “hash” and do not understand tokens and their role in managing distributed technologies. There is a lot to bridge. 

Money Without Boundaries was designed to be approachable for people from diverse backgrounds. Due to the nature of the topic, some readers may find some of the content advanced. We have created an online resource center to bridge this gap. Here you will find videos and links to more information on: blockchain, money, banking, capital markets, Hayek and Friedman, interest and inflation, the risk-free asset, and the market in money

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