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In today's bonus episode Simon joined by a host of brilliant guests directly from the stage at Money20/20, including:

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• Matthew Pollard, Founder Archax
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• Sandra Ro, CEO, CBBC
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• Lasse Meholm, Head of Blockchain & DLT Strategy, DNB Bank
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First up the panel discuss Centralised VS Decentralised. Is the word decentralisation scary? Should we use the word distributed instead? Banks are already decentralised, but would it be more efficient to have one bank to rule them all? Can we move to a world where there is a mutable ledger? Or are we just dropping buzzwords at this point?

Next, we talk about Utilities VS Securities! So, what is a token? What is the difference between a token and a traditional accounting entry? Can you think of tokens as loyalty points? What about the word security? Also, salt, squirrels and gold dragons, have you got your historical currencies straight? Join us for a quick quiz on what items used to be treated as currency!

Finally, our panel talks about the future of programmable money. First of all, what does it mean? Could there be a case of social money granted from the government getting programmed to only be useable in the way the government wants you to use it? Should the government have access to that information? Or, could it mean a more frictionless way for companies to participate in capital formation?

All this and so much more on this week's bonus episode of Blockchain Insider. And why not send us your best tweets? See if you can get a shout out on the show!
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\\nWe hope you enjoy the show and, as ever, don't forget to subscribe!
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\\nWant to join the conversation on all the topics discussed? Tweet the show @bchaininsider and if you really love the show, please leave us a review on iTunes.
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\\nThis week's episode of Blockchain Insider was produced by Laura Watkins and Petrit Berisha. Edited by Alex Woodhouse.

Special Guests: Lasse Meholm, Matthew Pollard, and Sandra Ro.