Fintech Engineer & Independent Crypto Researcher
Marcus Webb spent nearly a decade working in fintech — building payment infrastructure and API integrations for financial software companies. That background gave him an inside view of how money actually moves through the traditional financial system, and why that system has so many friction points that blockchain technology is trying to solve.
He bought his first Bitcoin in 2017, lost money in the 2018 crash, learned from it, and has been closely following the crypto space ever since — through the NFT boom, the DeFi summer, the FTX collapse, and the institutional wave of 2024–2026. He's not a maximalist for any particular coin or chain. He's interested in which parts of this technology are genuinely useful and which parts are hype.
ChainClarity is his attempt to write the explainers he wished existed when he was first trying to understand this space: clear, honest, and written for people who aren't already deep in the crypto rabbit hole.
First exposure to Bitcoin and Ethereum while working on a payment API integration. Bought first crypto. Lost a significant amount in the 2018 bear market. Started taking research seriously.
Worked on fintech infrastructure projects involving cross-border payments and stablecoin settlement prototypes. Began tracking DeFi protocols and the Ethereum ecosystem professionally.
Closely followed the Terra/Luna collapse, Celsius bankruptcy, and FTX implosion. Wrote internal research notes on what went wrong and why — the origin of ChainClarity's focus on honest risk disclosure.
Launched ChainClarity as an independent educational blog. Tracks US crypto regulation, institutional adoption, stablecoin developments, and emerging use cases like RWA tokenization and AI agent payments.
Every article on ChainClarity is written with three rules: explain it clearly enough that a smart non-expert can understand it, acknowledge the real risks (not just the upside), and never tell anyone what to do with their money. Marcus reviews all content for technical accuracy before publication. When something is uncertain or contested, the article says so.