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Author page: Oleg Turceac

HomeAuthor page: Oleg Turceac

STEELLDYThrough Steelldy consulting company, I assist companies, fintechs, and institutions in two key areas: ◙ Economic and financial statistical modeling via our DaaS & SaaS software (macroeconomic index platform). Analysis of the transition to a multipolar world: stablecoins, gold, copper, precious metals, industrial metals, oil, dollars, euros, yuan, yen, rubles, CBDC, BISIH, mBridge, Unified Ledger, BRICS, and global regulations. ◙ Web3 Law & Taxation Legal and Tax structuring of blockchain-based projects, RWA, tokenization, cryptocurrency (stablecoins, CBDC), decentralized autonomous organizations (DAO), MiCA compliance, ISO 20022, AI, MANBRIC/biotech technologies, robotics, smart cities, and ESG taxonomy.

Oleg Turceac

815 articles published Follow:

Cryptos

Crypto Duration Under Siege: Why Hot Inflation Holds the Key to BTC, ETH, SOL, and XRP

Three macro variables dominate the pricing of five crypto assets today. The August CPI, released on September 11, is the last inflation print before the FOMC. A "hot" print raises perceived r* and compresses crypto duration, while a disinflationary print reopens the hold scenario. The FOMC meeting on September 15-16 has hike probabilities of…

09/11/20260Comments

ByOleg Turceac

Cryptos

Ethereum ETF Struggles for Inertia as ETH/BTC Ratio Tracks Risk Appetite Below $82K

Bitcoin remains anchored as a macro duration asset, with ETF float around 6% of market cap. The repeated rejection near $82k defines a distribution range, not a structural bear market, as long as support at $75-77k and the cycle floor near $58k hold. Post-rally outflows reflect pre-CPI rebalancing, not capitulation, with BlackRock’s IBIT concentrating flow…

09/11/20260Comments

ByOleg Turceac

A collection of various cryptocurrency coins including Bitcoin, Ethereum, and Dogecoin.

Cryptos

Stablecoins & CBDC: the programmable currency war enters its terminal phase

Thesis. 2026 marks the global doctrinal shift. Private-regulated dollar (GENIUS Act), public-regulated euro (ECB), public-interest-bearing yuan (PBOC). Stablecoins become a treasury instrument; CBDCs become a sovereignty instrument. Key Data. Stablecoin market: ~$290–321B (USDT ~$184–190B; USDC ~$73B). MiCA: fully applicable since 30/12/2024, transition period ends 01/07/2026; approximately twenty licensed EMTs (USDC, USDG, EURC, EURCV, EURI,…

09/11/20260Comments

ByOleg Turceac

Dynamic urban scene showcasing interconnected light trails representing digital communication networks.

Digitalisation lntélligence artificielle

Agentic AI, robotics, biotech (MANBRIC) & smart cities: capital shifts from software to physical.

Thesis. The 2026 AI cycle shifts from conversational models to "digital workers" (agents) and physical AI (robots, driving, inspection); value migrates from the model layer to operational integration and automated real assets, converging directly with smart cities and tokenizable infrastructure. Key Data. ~71% of companies are expected to integrate AI agents into key functions…

09/09/20260Comments

ByOleg Turceac

Black and white image highlighting a 20 euro bill in a cash register, capturing financial concepts.

Cryptos

MiCA × ISO 20022: The Dual Plumbing Reshaping European Finance

Thesis. Two "invisible" projects converge in 2026: the completion of the licensed perimeter under MiCA (crypto) and the ISO 20022 mandate for structured addresses (payments). Together, they shape the compliance-execution layer of European programmable finance. Key data. MiCA: ART/EMT applicable since 30/06/2024; CASP since 30/12/2024; end of grandfathering on 01/07/2026 (some states earlier: Germany/Ireland…

09/09/20260Comments

ByOleg Turceac

Detailed view of brown coffee beans being roasted in a steel machine, capturing the industrial process.

Analyse de marché

Commodities & ESG taxonomy: real returns in a world of real assets

Thesis. Raw materials are regaining a core portfolio role (hedging a multipolar world and AI electrification), while European ESG shifts from an obligation-based regime to a market-driven one, less reporting, more pricing. Key Data. January 2026 records: gold ~$5,405/oz (2025 annual average: $3,431, +44%), silver >$121/oz, LME copper $13,238/t. Citi scenarios (Q3 2026): Brent…

09/09/20260Comments

ByOleg Turceac

A close-up of a futuristic robot toy on a reflective surface against a gradient background.

lntélligence artificielle

The Silent Crisis: How AI Is Accelerating the Dumbing Down of Society

AI will lead to mass dumbing down of society. This is one of the most underestimated risks of AI transformation. The process of societal dumbing down was already rapid before LLMs, but now it could accelerate exponentially. Not progress, but degradation of society will speed up. This involves the gradual destruction of the very mechanism…

09/08/20260Comments

ByOleg Turceac

Close-up of euro banknotes with financial market graphs in the background, depicting finance and investment themes.

Cryptos

ISO 20022: the most underrated plumbing trade of 2026

Thesis. While the market watches tokens, the largest financial data upgrade in history is concluding: after the end of the MT/MX coexistence period (November 22, 2025 — 97% of cross-border payments now in ISO 20022), 2027 mandates structured/hybrid addresses on SWIFT CBPR+ (SEPA on the 15th), with 65% of messages still non-compliant and 44% of…

09/07/20260Comments

ByOleg Turceac

Analyzing financial charts with a calculator and chocolate coins.

Analyse de marché

Gold against stocks

Gold was indeed a high-Sharpe asset during certain windows from 2025 to early 2026, and long-term bonds did under perform. However, as of September 7, 2026, gold does not "beat tech stocks" over 12 months. NVDA and the S&P have higher TTM returns than those shown in the table. The illustrative recalibration (TTM window,…

09/07/20260Comments

ByOleg Turceac

Minimalist image of Bitcoin, Ethereum, and Litecoin coins on a baby blue background.

Cryptos

The Income Paradigm: How Tokenized RWAs Are Becoming the New Private Credit

Digital finance is shifting gears. For ten years, the value of a digital asset rested on a promise of appreciation. Since 2024, a new paradigm has taken hold: the value of a tokenized asset is read in its cash flows, rent, interest, coupons—generated by the underlying asset and automatically distributed by smart contracts. RWAs are…

09/07/20260Comments

ByOleg Turceac