Blockchain Bytes #9 Discover the latest blockchain news. 

Blockchain Bytes #9 Discover the latest blockchain news. 

November 13, 2025

Blockchain Bytes #9 Discover the latest blockchain news.

we though we'd write only about 1 thing this newsletter

Coinbase Partners with American Express to Launch the First Bitcoin Rewards Credit Card

The world of finance is evolving — and faster than anyone expected.

Coinbase has just announced a groundbreaking partnership with American Express to launch a crypto credit card that rewards users in Bitcoin for everyday purchases.

Instead of earning points or cashback, every swipe converts a percentage of your purchase directly into Bitcoin, deposited seamlessly into your Coinbase account. Through the Coinbase app, users can track their rewards, manage spending, and even convert their Bitcoin to cash — all in one place.

This isn’t just a new payment method — it’s a milestone in the integration of traditional finance and blockchain technology.

This partnership marks a pivotal shift in how value is created, stored, and exchanged.

  • For accountants and finance professionals, it introduces both new complexity and new opportunity:
  • Digital assets are now part of everyday financial transactions.
  • Accounting standards for crypto rewards, valuation, and reporting are evolving rapidly.
  • Blockchain literacy is becoming as essential as understanding Excel or financial modeling.

Enjoy the article (https://marketing.mmba.io/e3t/Ctc/I8+113/d2z1K704/VWPmkS8RFwHWW5tkqzh51Bw4FVhPn1w5FRmk9MyCDms2-6YCW7lCdLW6lZ3mrW17rCh-4SWw5VW5W1hLC6NL0mqW5nvN-f5RPRN0W1z9CjQ2bhgTlW5z3FHH3fcxVYW8cWfyL32DtgPV_rHGG6ss0l1W5Fw_zC4kYw1xW91HHVF19VNVCW6PcjSj81GdKXW740T8P5BcZG1W4MMnZ47wHxfpW6szWn14nBmRLW3XhC4V5wgXZ-W5SCMp011ZLMxW7ZCSRw3Tb7txW89x7mR1dV-4gW4RSlBZ8-JGJJW5msfqJ80df2LW4HZCs24PVRFlW3Wmx5F5VwT21W4gHn_B6l2yz3W3LFQFN5h4Ns9Vh7XZW8Lhj3Hf8LtJZ204 )

MMBA Partners with the Oregon Society of CPAs to Advance Blockchain Education in Accounting and Finance

We’re thrilled to announce a new partnership between MMBA and the Oregon Society of CPAs (OSCPA) — a collaboration that brings the future of accounting and finance directly to today’s professionals.

Through this partnership, OSCPA members will now have exclusive discounted access to MMBA’s accredited blockchain certifications:

  • Certified Blockchain Accounting Professional (CBAP™)
  • Certified Blockchain Finance Professional (CBFP™)

These online, self-paced programs are designed to upskill and reskill accountants, CPAs, and finance professionals seeking to stay competitive in an evolving financial landscape. Participants will gain hands-on experience in wallet reconciliation, crypto gain/loss reporting, stablecoin accounting, and blockchain data analysis — all aligned with the latest IRS, Treasury, and FASB guidance.

This collaboration reinforces MMBA’s mission to ensure finance professionals remain relevant, respected, and ready in the digital age. As Darlene Boles, VP & COO of OSCPA, shared:

“Blockchain and digital assets are complex, fast-moving topics. Our partnership with MMBA adds a valuable resource to OSCPA’s growing ecosystem of educational offerings—helping members explore these innovative technologies from multiple perspectives.”

We’re proud to support OSCPA in building the next generation of blockchain-literate accountants and finance leaders.

If you’re an OSCPA member interested in receiving discounted access to MMBA’s Blockchain Certifications, visit:

OSCPA existing members link

Non-Members Link

From Pilot Projects to Portfolio Impact: Blockchain’s Real-World Transformation in FX Markets

We’re proud to spotlight Baxter Hines, CFA, one of our strategic partners at MMBA, whose latest article in the CFA Institute’s Enterprising Investor underscores why blockchain education is now mission-critical for today’s investment professionals.

In his piece, “Blockchain in FX and Remittances: From Pilot to Portfolio Impact,” Baxter explores how institutional investors are already using blockchain to revolutionize foreign exchange and remittance operations.

Key Insights from the Article:

  • Faster Settlements: Tokenized collateral is cutting FX settlement times from days to minutes.
  • Lower Costs: Stablecoins are replacing SWIFT transfers, reducing cross-border transaction fees.
  • Better Liquidity: 24/7 blockchain settlement improves global liquidity management.
  • Enhanced Compliance: Immutable audit trails strengthen regulatory oversight and transparency.

Real-World Examples:

  • Lloyds Bank & Aberdeen Asset Management executing FX trades with tokenized collateral on Hedera.
  • Shinhan Bank (South Korea) and SCB (Thailand) completing real-time stablecoin remittances.

With new regulatory clarity under the GENIUS Act and growing institutional adoption, Baxter emphasizes a critical truth:

“The tools for frictionless, blockchain-based global capital movement are no longer five years away — they’re being piloted today".

Watch Baxter's discussion on the CFA Institute Podcast: (https://marketing.mmba.io/e3t/Ctc/I8+113/d2z1K704/VWPmkS8RFwHWW5tkqzh51Bw4FVhPn1w5FRmk9MyCDmM3l5QzW7Y8-PT6lZ3mGVPMZr85MPXGsVvZ_QH8YJ8xLW2D8h9D3X5glDW1GZRk74WDdRcW4tFgJd6LkWtQW3_V_Q38J1Kx5W798s914hyXjbW1z0C9M7l68vVW4LKByj94fhCDW3srT-75Kp865W8yzwkR5Bxv0wW2c2DTR5618xsVh9XdD90wDPwVDwqnx3dTSC7W9hDMR32P9vnLN2hqd28rxk6lW5LkfCZ5YHW_WW2v1L9c3YdPV1W1wzC9286pBCZW6mhqr78r1hGvVTLGWK2d12sPW2V1BB16cPfj8W4zTMtV49jlHxW4wLCc_4Fhv84W9kW8sK5TNpZLW8rm02p61Rbq-f832Y9Y04)

Enjoy Baxter Article (https://marketing.mmba.io/e3t/Ctc/I8+113/d2z1K704/VWPmkS8RFwHWW5tkqzh51Bw4FVhPn1w5FRmk9MyCDn22-6YCW8wLKSR6lZ3p9W4tSVg65vn9JdW1vphNl974z8qW6CspT16wWWbyV956G78_TnXFW37bCbr6SYY59W676-ym45HGl5W6qvz5K2NdsP-W8m_H051TYnv2VXSD3X5tHrhBW7gglmx5Z3MLKN3rttbCKFYR7W854_s14f_FTWN42GX6_sPRRJN8fwFf75Bm4ZW4WfDlK8fGnrRW8sKgm094byKdW3VGWfG8WrPmsW7QBjBq38v-t2W7-drj14fNp78W4SQBKb8hWQHnW1qyc9M6fzRBhW8jCRpT7RDw7VW793d601NcdrTW5SqjZ28CDF6MV2-Qb73-yW7MW7YtkDy3mLLZ6W1ZYkND6d-wJXW8xTQCq33dbJCf4ccVtK04)

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Unsubscribe Manage preferences (https://marketing.mmba.io/hs/preferences-center/en/page?data=W2nXS-N30h-BkW2nHCjX3z1G6SW3yMHkq47LTTmW3BTLw42TMWDFW3GZh_R2HQFK4W2nSHDw45pN2wW3blKTZ3VY6xZW3B-D2c32rd6bW2WwVqX2nFpTzW3gwrTX1QwVLMW2Tt-xK2MzQtRW3z27tj2y0WCKW2sShxJ4kM4p6W3FfkR91Z8HlPW2zz6RZ3CdllCW3__cBV3_KHsrW230Gl84cCr4RW3K6fW42YJ8YWW4tjR7S3VPBywW21qRQC3W1TLhW36BCXJ3H5GTkW3_GM4q32cfgnW2MxhMR1L5RNLW49kf2M328NLfW1Bfh4S1NtbFvW4mBD9f3dn_CjW24_9rn4tD0QLW2TB0891_b_VTW3z2sln2MMKzvW2Px14_3NSg4xW3hZHjc2RR3dxW38dJyC3K5tkjW3zcJlR23hBC_W3F9ZKQ1S3ycpW3db8XC38zB8hW3LGXQy2v_T09W1Vy2Y93X-rmMW3gfl-s2r6sKGW3GXFs_4rzQZ0W1VbMzD32bS38W2nFryR34plqTW49RgH_3VG6MtW45HQQ-3j154ZW1Q2ScM3zb2w3W3c_S4z3yQzdrW1Xr75b1XhZNcW2Wzpdt2PRjMkW3Cj5wz49sfT-W3zfmYt22V_WMW2zG5tg41TQMNW2sMlnS3XFZKGW2zvKjl2Tv0Lxf2TpQVb04&_hsenc=p2ANqtz-93a1HquqxMUO6VmkoQEMycVTzdWdnj8H7mq9fQP5dQf9nUHf-oa9dcvnigKMXMUIhplFdiC76PwlsAmGS9B9kXkCzl3-UUfyAnsAKBY-PjcNmi08I&_hsmi=389768665)

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Blockchain Bytes #9 Discover the latest blockchain news. 

By
Larry Liermann
November 13, 2025
5 min read
Share this post

Blockchain Bytes #9 Discover the latest blockchain news.

we though we'd write only about 1 thing this newsletter

Coinbase Partners with American Express to Launch the First Bitcoin Rewards Credit Card

The world of finance is evolving — and faster than anyone expected.

Coinbase has just announced a groundbreaking partnership with American Express to launch a crypto credit card that rewards users in Bitcoin for everyday purchases.

Instead of earning points or cashback, every swipe converts a percentage of your purchase directly into Bitcoin, deposited seamlessly into your Coinbase account. Through the Coinbase app, users can track their rewards, manage spending, and even convert their Bitcoin to cash — all in one place.

This isn’t just a new payment method — it’s a milestone in the integration of traditional finance and blockchain technology.

This partnership marks a pivotal shift in how value is created, stored, and exchanged.

  • For accountants and finance professionals, it introduces both new complexity and new opportunity:
  • Digital assets are now part of everyday financial transactions.
  • Accounting standards for crypto rewards, valuation, and reporting are evolving rapidly.
  • Blockchain literacy is becoming as essential as understanding Excel or financial modeling.

Enjoy the article (https://marketing.mmba.io/e3t/Ctc/I8+113/d2z1K704/VWPmkS8RFwHWW5tkqzh51Bw4FVhPn1w5FRmk9MyCDms2-6YCW7lCdLW6lZ3mrW17rCh-4SWw5VW5W1hLC6NL0mqW5nvN-f5RPRN0W1z9CjQ2bhgTlW5z3FHH3fcxVYW8cWfyL32DtgPV_rHGG6ss0l1W5Fw_zC4kYw1xW91HHVF19VNVCW6PcjSj81GdKXW740T8P5BcZG1W4MMnZ47wHxfpW6szWn14nBmRLW3XhC4V5wgXZ-W5SCMp011ZLMxW7ZCSRw3Tb7txW89x7mR1dV-4gW4RSlBZ8-JGJJW5msfqJ80df2LW4HZCs24PVRFlW3Wmx5F5VwT21W4gHn_B6l2yz3W3LFQFN5h4Ns9Vh7XZW8Lhj3Hf8LtJZ204 )

MMBA Partners with the Oregon Society of CPAs to Advance Blockchain Education in Accounting and Finance

We’re thrilled to announce a new partnership between MMBA and the Oregon Society of CPAs (OSCPA) — a collaboration that brings the future of accounting and finance directly to today’s professionals.

Through this partnership, OSCPA members will now have exclusive discounted access to MMBA’s accredited blockchain certifications:

  • Certified Blockchain Accounting Professional (CBAP™)
  • Certified Blockchain Finance Professional (CBFP™)

These online, self-paced programs are designed to upskill and reskill accountants, CPAs, and finance professionals seeking to stay competitive in an evolving financial landscape. Participants will gain hands-on experience in wallet reconciliation, crypto gain/loss reporting, stablecoin accounting, and blockchain data analysis — all aligned with the latest IRS, Treasury, and FASB guidance.

This collaboration reinforces MMBA’s mission to ensure finance professionals remain relevant, respected, and ready in the digital age. As Darlene Boles, VP & COO of OSCPA, shared:

“Blockchain and digital assets are complex, fast-moving topics. Our partnership with MMBA adds a valuable resource to OSCPA’s growing ecosystem of educational offerings—helping members explore these innovative technologies from multiple perspectives.”

We’re proud to support OSCPA in building the next generation of blockchain-literate accountants and finance leaders.

If you’re an OSCPA member interested in receiving discounted access to MMBA’s Blockchain Certifications, visit:

OSCPA existing members link

Non-Members Link

From Pilot Projects to Portfolio Impact: Blockchain’s Real-World Transformation in FX Markets

We’re proud to spotlight Baxter Hines, CFA, one of our strategic partners at MMBA, whose latest article in the CFA Institute’s Enterprising Investor underscores why blockchain education is now mission-critical for today’s investment professionals.

In his piece, “Blockchain in FX and Remittances: From Pilot to Portfolio Impact,” Baxter explores how institutional investors are already using blockchain to revolutionize foreign exchange and remittance operations.

Key Insights from the Article:

  • Faster Settlements: Tokenized collateral is cutting FX settlement times from days to minutes.
  • Lower Costs: Stablecoins are replacing SWIFT transfers, reducing cross-border transaction fees.
  • Better Liquidity: 24/7 blockchain settlement improves global liquidity management.
  • Enhanced Compliance: Immutable audit trails strengthen regulatory oversight and transparency.

Real-World Examples:

  • Lloyds Bank & Aberdeen Asset Management executing FX trades with tokenized collateral on Hedera.
  • Shinhan Bank (South Korea) and SCB (Thailand) completing real-time stablecoin remittances.

With new regulatory clarity under the GENIUS Act and growing institutional adoption, Baxter emphasizes a critical truth:

“The tools for frictionless, blockchain-based global capital movement are no longer five years away — they’re being piloted today".

Watch Baxter's discussion on the CFA Institute Podcast: (https://marketing.mmba.io/e3t/Ctc/I8+113/d2z1K704/VWPmkS8RFwHWW5tkqzh51Bw4FVhPn1w5FRmk9MyCDmM3l5QzW7Y8-PT6lZ3mGVPMZr85MPXGsVvZ_QH8YJ8xLW2D8h9D3X5glDW1GZRk74WDdRcW4tFgJd6LkWtQW3_V_Q38J1Kx5W798s914hyXjbW1z0C9M7l68vVW4LKByj94fhCDW3srT-75Kp865W8yzwkR5Bxv0wW2c2DTR5618xsVh9XdD90wDPwVDwqnx3dTSC7W9hDMR32P9vnLN2hqd28rxk6lW5LkfCZ5YHW_WW2v1L9c3YdPV1W1wzC9286pBCZW6mhqr78r1hGvVTLGWK2d12sPW2V1BB16cPfj8W4zTMtV49jlHxW4wLCc_4Fhv84W9kW8sK5TNpZLW8rm02p61Rbq-f832Y9Y04)

Enjoy Baxter Article (https://marketing.mmba.io/e3t/Ctc/I8+113/d2z1K704/VWPmkS8RFwHWW5tkqzh51Bw4FVhPn1w5FRmk9MyCDn22-6YCW8wLKSR6lZ3p9W4tSVg65vn9JdW1vphNl974z8qW6CspT16wWWbyV956G78_TnXFW37bCbr6SYY59W676-ym45HGl5W6qvz5K2NdsP-W8m_H051TYnv2VXSD3X5tHrhBW7gglmx5Z3MLKN3rttbCKFYR7W854_s14f_FTWN42GX6_sPRRJN8fwFf75Bm4ZW4WfDlK8fGnrRW8sKgm094byKdW3VGWfG8WrPmsW7QBjBq38v-t2W7-drj14fNp78W4SQBKb8hWQHnW1qyc9M6fzRBhW8jCRpT7RDw7VW793d601NcdrTW5SqjZ28CDF6MV2-Qb73-yW7MW7YtkDy3mLLZ6W1ZYkND6d-wJXW8xTQCq33dbJCf4ccVtK04)

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Has this been an enjoyable read for you? If so, you can forward it to your friends and colleagues to read it. If you got this as a forward, you can subscribe below

Thanks, and reply to us if you found this email interesting!

MM Blockchain Academy

Follow us on LinkedIn

MM Blockchain Academy, 1100 Summer Street, Suite 1401, Stamford, CT 06905, United States

Unsubscribe Manage preferences (https://marketing.mmba.io/hs/preferences-center/en/page?data=W2nXS-N30h-BkW2nHCjX3z1G6SW3yMHkq47LTTmW3BTLw42TMWDFW3GZh_R2HQFK4W2nSHDw45pN2wW3blKTZ3VY6xZW3B-D2c32rd6bW2WwVqX2nFpTzW3gwrTX1QwVLMW2Tt-xK2MzQtRW3z27tj2y0WCKW2sShxJ4kM4p6W3FfkR91Z8HlPW2zz6RZ3CdllCW3__cBV3_KHsrW230Gl84cCr4RW3K6fW42YJ8YWW4tjR7S3VPBywW21qRQC3W1TLhW36BCXJ3H5GTkW3_GM4q32cfgnW2MxhMR1L5RNLW49kf2M328NLfW1Bfh4S1NtbFvW4mBD9f3dn_CjW24_9rn4tD0QLW2TB0891_b_VTW3z2sln2MMKzvW2Px14_3NSg4xW3hZHjc2RR3dxW38dJyC3K5tkjW3zcJlR23hBC_W3F9ZKQ1S3ycpW3db8XC38zB8hW3LGXQy2v_T09W1Vy2Y93X-rmMW3gfl-s2r6sKGW3GXFs_4rzQZ0W1VbMzD32bS38W2nFryR34plqTW49RgH_3VG6MtW45HQQ-3j154ZW1Q2ScM3zb2w3W3c_S4z3yQzdrW1Xr75b1XhZNcW2Wzpdt2PRjMkW3Cj5wz49sfT-W3zfmYt22V_WMW2zG5tg41TQMNW2sMlnS3XFZKGW2zvKjl2Tv0Lxf2TpQVb04&_hsenc=p2ANqtz-93a1HquqxMUO6VmkoQEMycVTzdWdnj8H7mq9fQP5dQf9nUHf-oa9dcvnigKMXMUIhplFdiC76PwlsAmGS9B9kXkCzl3-UUfyAnsAKBY-PjcNmi08I&_hsmi=389768665)

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Larry Liermann
Larry Liermann is Co-Founder and Head of Sales & Partnerships at MMBA, where he leads the company’s business development efforts and discussions with strategic partners, including Higher Education Institutions, Enterprise clients, and various industry organizations. He has led global sales teams at trading technology companies and is also a former Co-Founder of another Educational Technology startup.

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