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Cover of Layered Money by Nik Bhatia

Layered Money

From Gold and Dollars to Bitcoin and Central Bank Digital Currencies

by Nik Bhatia

4/5
Nik Bhatia 188 pages January 18, 2021

Discover the evolution of money. Nik Bhatia, a former Treasury trader, presents a clean framework for understanding the layers of the modern monetary system — from medieval bills of exchange to Eurodollars, Bitcoin, and the coming central bank digital currencies.

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Jim's Review

🐛
Bhatia spent years as a Treasury trader and brings the trader's clarity to a topic most people find baffling: how does money actually work? His "layered money" framework — base money, deposits, derivatives — is the cleanest mental model Jim has encountered for thinking about dollars, gold, and bitcoin in the same picture. Short (under 200 pages), no math beyond basic arithmetic, and ruthlessly clear. Four worms. The book Jim recommends to friends who want to understand the financial system before they have opinions about it. Pair with The Price of Tomorrow.

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