Headless Banker · Book One

Decentralized Finance

The Technology-First Revolution in Private Banking

Decentralized Finance book cover — a pinstripe suit and floating bowler hat against a blue sky
About the Book

When Private Banking Meets Permissionless Finance

Picture seasoned private bankers confronted with decentralized finance at their own boardroom table. Centuries of relationship-driven discretion colliding with open, software-governed financial architecture — permissionless, transparent, and borderless.

That collision is the heart of this book. Drawing on lessons from the Medici to MakerDAO, from Kodak's collapse to Ethereum's Merge, the authors map how DeFi is unbundling the private bank — and hand executives a playbook to respond: tokenization of real-world assets, curated DeFi yield, the Digital Family Office, on-chain compliance, and institutional-grade custody.

Neither hype nor fear — a clear-eyed, evidence-based guide to reimagining how trust, stewardship, and personalization can coexist with DeFi's radical transparency and efficiency.

13+
Chapters of strategy
10+
Case studies
3
Books in the series
1
Revolution underway
Inside the Book

Explore the chapters

From first principles to civilizational consequences — click any chapter to preview its abstract.

Beyond the Page

A book that practices what it preaches

A book about decentralization shouldn't live only on paper. The Headless Banker universe extends on-chain, into the metaverse, and into an AI you can interrogate.

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Chapter NFTs

Each chapter minted as a limited digital collectible with original artwork. Holders unlock annotated author commentary, early access to Books II & III, and collector-only events.

Minting Soon
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Headless Banker Lab

A hands-on platform to experience the primitives of decentralized finance covered in the book — no wallet risk, no real capital, just the mechanics laid bare.

Coming Soon
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Ask the Headless Banker

An AI agent trained on the full text of the book. Query any concept — impermanent loss, MiCA, MPC custody — and get answers grounded in the authors' framework, with chapter references.

In Training
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The Metaverse Office

Step into the Headless Banker's virtual private bank — browse the library, attend author talks and reader roundtables, and experience the branch of the future the book describes.

Opening Soon
The Authors

Written from both sides of the revolution

Patrick Schueffel

Patrick Schueffel

Ex-Banker · Academic · Fintech Researcher

Adjunct professor at Fribourg's School of Management, focusing on Fintech, Entrepreneurship in Banking & Finance, and Innovation. He has published extensively in academic journals and practitioner outlets. Alongside academia, he has held various senior roles in Swiss and Liechtenstein banks, including C-level positions, and works as a corporate advisor.

Floyd DCosta

Floyd DCosta

Entrepreneur · Web3 & SpaceTech

Co-founder of Blockchain Worx, a Web3 studio harnessing blockchain and AI for sustainable digital transformation, and co-founder of Space Armour, a SpaceTech venture building sovereign agentic AI for space and mission-critical environments. A regular speaker, writer, and contributor to multiple forums on emerging technologies and innovation.

The Trilogy

The Headless Banker series

Three books charting the full arc of finance without intermediaries.

Available in Q4 2026
I

Decentralized Finance

The Technology-First Revolution in Private Banking. The foundation: what DeFi is, why it matters, and the playbook for institutions.

Coming Next
II

From Branches to Bots

How AI is Rewriting the Rules of Banking. Examines one of the most important transformations reshaping financial services today: the rise of artificial intelligence as a new operating layer for banking.

Coming Later
III

Book Three

The trilogy's conclusion — the synthesized financial ecosystem and what it means for wealth, society, and the human banker.

Who It's For

Clarity over fear, for those who need it most

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Private Bankers

Understand the unbundling of your service model — and the offensive playbook to respond before disruption arrives.

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Wealth Managers

Serve the next-gen inheritor, the crypto whale, and the tech founder — three clients no single legacy model can satisfy.

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Institutional Leaders

Frameworks for regulation, risk, custody, and culture — from MiCA to MPC to the DeFi-native operating model.

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Students & Builders

A rigorous, hype-free map of DeFi's primitives, from AMMs and oracles to DAOs and the tokenization of everything.

Stay in the Loop

Join the Headless Banker inner circle

Launch events, NFT mint dates, metaverse office openings, and early access to Books II & III — straight to your inbox.