Terminal 3— Empower a more equitable digital future

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Agentic AI is coming to enterprises, but to succeed it needs trust and receipts
Agentic AI is the biggest change happening in enterprises today, but what's being overlooked is receipts and auditing agents just as we do employees.
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The Agentic AI Security & Governance Manifesto
A new class of software is being deployed faster than the infrastructure to govern it. Autonomous AI agents — systems that can plan, reason, and act across networks, applications, and counterparties — have moved from research demos to live commerce, customer support, software engineering, and financial workflows in roughly eighteen months. McKinsey
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Why stablecoins are building a new global banking system
Our newest blog post is a little different, an interview with Daren Guo, co-founder of Reap. Reap is a Hong Kong-based stablecoin infrastructure platform that lets businesses issue cards, manage business accounts and expenses, and make global payments using stablecoins.
Reap was acquired by Payward, the parent company
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The world’s age verification laws show digital identity remains broken
In December 2025, Australia did what everyone said was impossible and banned teenagers from social media.
In a few days, Meta, X and other platforms had removed 4.7 million accounts. The Australian approach sparked a chain that has seen dozens of countries follow with their own versions or efforts
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Apple’s Digital ID is a glimpse at a future we all will need
Apple Wallet has made life a breeze for millions of iPhone owners worldwide. You can add all the bank cards in your wallet to your phone digitally and tap to pay securely.
As a result, many of us now have less need to carry a wallet unless we are traveling
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Openclaw Is a Glimpse of the Future. It’s Also a Security Wake-Up Call.
Every so often, technology gives you a glimpse of the future. It's magical, but also unfinished and dangerous.
That’s the experience of using Openclaw.
In the first two weeks of launch, the open source AI agent platform attracted more than 100,000 users. It spread mostly by
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How Asian governments are tackling digital ID and trust
The phrase ‘digital identification’ conjures up vivid images of the future, which may include flying cards and everyone living in VR, but the concept is already here and advanced in many parts of Asia.
Forward-thinking governments across the region have turned their already-successful physical ID card programmes into
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W3TS Recap: SMART CONTACT feat. Kevin Kang (Reap)
The Web3 Trust Summit 2025 concluded with a conversation that reframed stablecoins not as speculative instruments but as infrastructure for financial services export.
The fireside chat between Kevin Kang (Co-Founder, Reap) and Yam Ki Chan (VP APAC, Circle) was yet another insightful addition to the Web3 Harbour SMART CONTACT
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W3TS Recap: Securing Digital Assets— Trust in Custody Solutions
Why business viability matters as much as investor protection
How do you build custody infrastructure that's both secure enough for institutions and flexible enough for emerging use cases?
We concluded the 2025 Summit with experts coming together to tackle this fundamental question. The discussion, moderated by Dea Markova
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W3TS Recap: Capital Confidence— Institutional Investment in Digital Assets
A panel on institutional investment in digital assets at the Web3 Trust Summit 2025, hosted by Terminal 3, revealed a rather counterintuitive truth: crypto's professionalization is succeeding precisely because it is becoming less exciting.
The panel was moderated by Syed Musheer Ahmed (Founder, FinStep Asia) and brought together:
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W3TS Recap: Exchanges, Market Makers, and the Future of Digital Assets
How did the collapse of FTX help the Web3 industry revaluate what really matters in scaling digital assets? At the 2025 Web3 Trust Summit, panelists explored the gap in exchange infrastructure that was exposed by the November 2022 incident, and what technologies are needed to be ready for institutional capital
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W3TS25 Recap: Building Trusted Digital Identities in the Web3 Era
At the Web3 Trust Summit 2025, hosted by Terminal 3, the conversation turned to the most foundational infrastructure challenge that we face today: digital identity. Together, panelists explored how identity systems must evolve for a world of blockchain transparency and AI agents.
The discussion revealed a paradox: we are building
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