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AI Build Copilot, Part 5: Bonus Bits & Pieces

July 21, 2026 By Scott

Intro

I thought Part 4: Preparing for Production was going to wrap up the series. But wait, there’s more! Not every useful lesson about building with AI tools fits neatly into the larger themes of the past articles in this series. So this final section is a collection of extra bits and pieces that don’t quite belong anywhere else, but may still save you a lot of trouble. Yes, I could have just called it “Misc.” I suppose. But in any case, there’s just some random bits that didn’t fit cleanly into earlier docs and fell out of the edits.

Here they are in one random walk place.

[Read more…]

Filed Under: Product Management, Tech / Business / General, UI / UX

AI Build Copilot, Part 4: Preparing for Production

July 14, 2026 By Scott

Part 3 was about building durably, so what happens after that? A successful prototype creates a new problem if you actually put it into some form of production. Not too long ago, if we built what we called prototypes, maybe they went to user testing, or we ‘sort of’ put them out there. But now? A lot of so-called tests really aren’t. That is, they’re really more actual rollouts. Just maybe not necessarily with the same rigor we used to give product launches. The line between that which was intended as prototype testing and so-called Minimum Viable Product (MVP) seems like it might get blurry.

The next challenge with launching a kind of prototype, but that which is maybe real product is someone may decide to use it. So… Is it really a prototype? Meaning… is this just some brochureware for testing or is there actual sign-up functionality, any kind of real billing, private information collection, and so on.

This is when the low-stakes experiment begins accumulating customers, private information, billing relationships, operational dependencies, and consequences. You have to make your own call on this kind of thing. I have to tell you, personally I’ve never loved the “false front door” thing for testing. I get that it can be useful, but sometimes it’s on the edge of unethical in how it seems to trick people. If your prototype is really a test and that’s understood, great. If the truth is it’s not much of a test, but a rollout? Then there’s probably some more risk elements and due diligence that should be covered.

Prototypes have a way of becoming products. Temporary credentials become permanent. Test data becomes customer data. A one-time API connection becomes a critical service. The final part of an AI-assisted build is not clicking Deploy.

It’s deciding whether the thing can be operated safely. One thing that I’ve done along the way when building is created something I’ve called “Launch Blockers.” This is different than a UI backlog or minor changes you find along the way. It’s things like purging schemas, or making sure live production feature flags are set properly. It means a real security review. Things like that.

[Read more…]

Filed Under: Product Management, Tech / Business / General, UI / UX

I Built a Joke Site with AI – Then It Became a Production System

July 14, 2026 By Scott

This started as a joke that got out of control, but the build produced a few lessons worth sharing.

Most of my work is product-focused rather than production-focused. Product and marketing people should spend their time with customers, markets, competitors, business models, and worthwhile problems. Becoming absorbed in production can turn attention inward instead of outward.

Still, sometimes you need or just want to build something yourself. Like everyone else, I now use AI for all manner of things. But there’s a difference between a throwaway prototype for quick user testing and something that might approach production. For one project, I had to move beyond simple prototypes and build a modern AI-assisted production pipeline without experimenting on a client’s product, a company’s core offering, or anything containing important customer data. So I needed something harmless, but sort of real, to test with. To borrow from my woodworking hobby, I practice new techniques on cheap material before touching fine red oak. The same principle applies here: make early mistakes where failure costs essentially nothing.

So I built a joke website, but the tools and methods behind it are no joke. They are genuinely powerful. At the same time, the more serious project benefits from using this as a no risk practice platform. So here’s where we come out:

  • This article: I’ll just tell you what I built and some of the tools I used to do it.
  • Next Up: A series on AI Build Copiloting in general for “semi” technical users. That is, product folks with some basic engineering familiarity, who need to dive a bit deeper into these areas, even if only part of the time.
  • After that: Another series focused on building in databases with AI assistance.
[Read more…]

Filed Under: Marketing, Product Management, Tech / Business / General, UI / UX

Part 1: Stablecoin Flavors – What Are You Holding?

June 10, 2026 By Scott

Stablecoins are moving what we call Crypto more towards just “this is just Digital Money now.”

This two-part article series examines the current landscape of various “stablecoins” to clarify labels that often sound functionally descriptive but frequently aren’t. It also highlights under-discussed aspects in this evolving space. We need clearer understanding of what these assets are and as importantly, what they’re not. Even with the GENIUS Act and ongoing work on the CLARITY Act, significant ambiguity remains for some token types.

Stablecoins are not one thing. They’re a family of tokens with dollar-like claims, and the important questions aren’t whether they appear stable, but what kind of claim they represent, what backs them, who gets the yield, how they redeem, and what happens under stress.

Along the way, I’ll go into some of the oddities and implications of stablecoins. Some may seem slightly off topic. However, they’re all part of what’s becoming this ecosystem and therefore I believe useful in understanding how things fit together.

[Read more…]

Filed Under: Crypto, Tech / Business / General

Of Oracles & RWA Headwinds

June 3, 2026 By Scott

Tokenization of Real World Assets (RWA) is on a tear, but will some aspects be held back from mass market adoption for lack of trusted information about certain types of assets? Today’s Oracles, (that supply external, off-chain information to a blockchain or smart contracts), don’t seem ready for richer types of information that we’ll need. Today’s oracle infrastructure is better suited to selected structured data points than to richer, messy reporting packages such as engineering reports, appraisals, legal exceptions, maintenance issues, lease details, or materiality judgments.

Mckinsey estimates tokenization markets worth somewhere from $2T – $4T by 2030. They aptly point out, “Tokenization’s rate and timing of adoption will vary across asset classes” and “Given their characteristics, certain asset classes will likely be faster to reach meaningful adoption.” In other words, easier things will happen faster. Obvious enough. Others assessing future tokenization markets show more of the usual charts with curves bending quickly upwards. The more challenging areas though, will be where they’ve always been challenging in terms of regulatory issues, information flows and so on. When we get into “REAL” real world assets is where things are harder. That is, things like gold, mutual funds, or others that are already virtualized really, should translate more easily to representative onchain tokens than messier deals such as a local shopping center development, a piece of art, or similar. Let’s say a token says you own part of a building. But what if that asset has a problem? Who reports it? Where does the report live? Who’s liable if nobody updates investors?

Traditional finance has longstanding reporting structures. And they still get things wrong sometimes or suffer from fraudulent claims. When we build an abstraction layer like a blockchain on top, we need ways to bridge a reporting gap. Successful adoption here isn’t going to be about just splitting things into smaller pieces with tokens. It’s time to look at why and suggest some solutions.

The idea for this post came out of a LinkedIn thread where Igor Samotesov talked about why trillions aren’t flowing quickly into onchain RWA instruments. And I just happen to be re-reading a book on taxonomies. So this is the result. Here are some more potential reasons for what’s going on and possible solutions.

[Read more…]

Filed Under: Crypto, Product Management, Tech / Business / General

Using Skills for AI Builds: Product Safety

May 28, 2026 By Scott

Note: This isn’t about general skill in building things with AI… it’s specifically about things called Skill files or their similar counterparts.

Are you a product person at any level who is either building yourself or managing others that are increasingly doing some direct building?

Like a lot of us, I’ve been making some of my own stuff with AI tools. Or in some cases experimenting to understand their use cases better. Among the hype cycle things of this year are Skill files. (Or more generally skill type instructions for AI tools.) There’s whole marketplaces for them. This post is just a warning I’m throwing out there as a caution along with some ideas for mitigating risk. It’s not meant to be overly alarmist, but the “You can use skills to do anything!” hype is so overwhelmingly thick sometimes, it just needs some balance. And actually, I think it’s not just clickbait, it sometimes feels irresponsible and dangerous.

[Read more…]

Filed Under: Product Management, Tech / Business / General, UI / UX

Estate Planning & Digital Assets

May 22, 2026 By Scott

Safeguarding Your Digital Wealth

Cryptocurrency represents a rapidly growing class of digital assets. And actually, as Decentralized Finance (DeFi) gets more mainstream, I’m not even sure the original term “crypto” will even apply for much longer. Either way, more folks have Bitcoin, Ethereum, stablecoins, NFTs, and self-custodied wallets. Any might hold substantial value but behave very differently from traditional property in estate planning. Unlike bank accounts or stocks with named beneficiaries and institutional custodians, crypto relies entirely on private keys, seed phrases, and blockchain addresses. If using a more mainstream centralized exchange as a custodied solution, things might possibly work similarly to a typical brokerage firm. For everything else though? Without proper planning, these assets can become permanently inaccessible upon the owner’s death or incapacity, turning theoretical inheritance into real-world loss. While there’s all kinds of pros and cons we could talk about regarding truly self-sovereign control of your assets, one of the obvious ones goes beyond “Be more careful with your pass code info.” It’s that you can make it so secure, even you or your family can never get to it again.

[Read more…]

Filed Under: Crypto, Tech / Business / General

Web3 Consumer Protection: Progress, Gaps, and What You Can Do

May 18, 2026 By Scott

Consumer protection in Web3 has come a long way, but it’s still nowhere near what you’d get from a traditional bank or broker. Billions in losses from hacks, rug pulls, and failed platforms tell a story that headlines alone can’t fully capture.

Some frameworks are in place now, and more are taking shape. But the gaps are significant, and they affect you directly.

This post breaks down what protections actually exist in Web3 today, where they fall short, and what you can do to protect yourself while the rules keep catching up.

This article is mostly for ordinary users and investors trying to understand what protections they actually have before using exchanges, wallets, tokens, or DeFi protocols. However, it’s also useful for those building in Web3, because these unresolved protection gaps are the kinds of issues that shape user trust, investor confidence, and adoption decisions.

[Read more…]

Filed Under: Crypto, Product Management, Tech / Business / General

Why the Best Web3 Products Feel Less Like Crypto

May 4, 2026 By Scott

For too long, the crypto space has been obsessed with selling the “engine” of the blockchain. Whitepapers of new projects focused on technical features and used a special jargon (e.g. words like “gwei” “slippage” and “hash”). It was like showing users the gears, the grease, and the technical specifications of a new car model, and then wondering why the general public wasn’t buying it.

It finally seems that in 2026, maybe this attitude is giving way to better product sense. Successful Web3 products are starting to make the technology invisible. Or at least trying. They have finally realized that users don’t care about features for their own sake, but instead about the benefit they get.

The era of “crypto-first” because it’s some self-sovereign anti-establishement thing that’s good for you is dead. The era of “stealth Web3” has begun. Here are some guiding principles for this new era.

[Read more…]

Filed Under: Crypto, Marketing, Product Management, Tech / Business / General, UI / UX, Uncategorized

Security Tokenization Oddities: Unresolved Issues Behind the Hype

April 30, 2026 By Scott

There’s a lot of tokenization discussion in 2026 that seems flooded with hype from issuers, banks, and crypto natives. I’d like to try for some balanced realism vs. breathless promotion or vague warnings.

Ripped from the hands of early pure Crypto exuberance, tokenization is clearly the big innovation in finance right now. Early crypto may have been as much ideological as it was a maybe useful new form of finance. But at this point, the benefits and use cases for more mainstream tokenization are becoming clearer. Securities that move on digital rails could settle faster, reduce reconciliation, support fractional ownership, improve transparency, automate parts of the asset lifecycle, and create new ways to use assets as collateral, and more. What could be better?

Some industry estimates, including Fireblocks’ 2026 tokenization guide, project or report post-trade processing cost reductions of 35–65% depending on asset class, issuance cost savings of 40–50% for certain corporate bonds, faster settlement, and improved capital efficiency through programmable collateral and liquidity management. These efficiencies compound across issuance, reconciliation, and treasury operations. (Check out Fireblocks Executive’s Guide to Tokenization 2026.) As much as I’m a fan of what’s going on, among my favorite things to do is look behind the curtains, around the corners and so on. To understand and help others see what’s not always clear through the hype. And there’s a lot of hype. Though my personal favorite is collapse of settlement times. I’ve always found it interesting that something that started due to the need to reconcile physical paper strips moving around Wall St. persists even with today’s systems.

The benefits show the attractive version. And it’s all generally true enough. Still, even with recent advances, we’re early in these efforts. The deeper version is more complicated. There’s still holes in this area. The more serious tokenization becomes, the less it looks like simply “putting stocks on-chain.” (Or whatever asset we’d be talking about.) It starts looking like a full-stack rebuild of financial market infrastructure, including issuance, investor onboarding, KYC (Know Your Customer), custody, smart contracts (which are of course a new element), transfer agents, settlement assets, corporate actions, reporting, legal records, and dispute handling. And more. Those are just the big pieces.

This is progress. But it also proves the central point. The token is only one layer. And not everything is better. This is an opportunity to make things better. And yet there’s some new issues that get created here that we still have to collectively sort out. A recurring theme in recent tokenization discussions is that institutional tokenization is no longer being framed as crypto experimentation. It’s being framed as regulated, programmable financial infrastructure. This may be obvious. And it’s a good thing, (my opinion anyway), yet we need to pay closer attention than ever. While we create more efficiency, we’re going so fast we may also be creating some possibly dangerous dependencies as we string more of these tools together. (Consider my October, 2025 article on Will RWA Tokenization Growth Increase Systemic Risk? It was focused more on Real World Assets, but a lot of the ecosystem risks are similar.)

Since tokenization is becoming real financial infrastructure, this means the unresolved details matter more.

[Read more…]

Filed Under: Crypto, Marketing, Product Management, Tech / Business / General

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