Adam Ludwin has a tweet sequence you should read. It’s about how blockchain crosses the innovation chasm
![]() |
Larry Chiang (@LarryChiang) |
|
Not to sound like I’m Chinese 6.5, but instead of dApps mimicking an app, why not launch an app as a dApp!?! #djApi
#LaunchParty #DRA twitter.com/adamludwin/sta… |
|
Apps and distributed apps INSIGHT
![]() |
Adam Ludwin (@adamludwin) |
|
6/Just as Bitcoin is a dapp for payments, Ethereum is a dapp for computing, and Filecoin is a dapp for storage
|
|

What about a dApp for Debit Reporting as a method to augment FICO’s shortcomings?

Fair Isaacs algorithm. It’s like getting a Stanford engineering coterm only to learn that accountants use double entry as a jargon filled method in doing arithmetic. And then wrapping your IQ 488 brain around “triple entry accounting” that utilizes the blockchain for audits to avoid a Texas A&M sized meltdown like David Duncan’s M-E-L-T-D-O-W-N de la audit.
![]() |
Larry Chiang (@LarryChiang) |
|
Gen pop has not a single clue about fair Isaac’s algo, how #poBox16589 works & 🇺🇸’s counterintuitive FCRA law.
#cs183bc 🐼 🐳 🐥 pic.twitter.com/LtNy1s94tS |
|
A protocol hiding in the real world is #poBox16589. I see a Distributed App where paying your rent on time is as valuable as paying your Victoria’s Secret credit card.






Duck9 is a credit score prep program that is like a Kaplan or Princeton Review test preparation service. We don't teach beating the SAT, but we do get you to a higher credit FICO score using secret methods that have gotten us on TV, Congress and newspaper articles. Say hi or check out some of our free resources before you pay for a thing. You can also text the CEO:







