Money is becoming software—and software now thinks. In The Liquidity Brain: AI, Fintech, and the Real-Time Economy, Ali Taraghijah takes readers on an electrifying journey through the most profound transformation in the history of money and banking. From Bitcoin's early peer-to-peer dream to today's AI-driven, always-on financial networks, this book shows how fintech and blockchain have converged with artificial intelligence to create a real-time global economy.

Inside you'll discover:

Blending sharp storytelling with deep technical insight, Taraghijah unveils the hidden architecture of payments: central bank money and commercial deposits, the delicate dance between RTGS and net settlement, and the overlooked economics of interchange and network fees. He brings to life the builders and systems—from M-Pesa to Wise, from Layer-2 netting to ISO 20022 messaging—that are creating a safer, faster, more inclusive financial world.

The Liquidity Brain speaks to entrepreneurs, fintech innovators, regulators, bankers, and curious readers alike. Whether you're launching a start-up, shaping policy, or simply eager to understand how money moves, this book equips you with the knowledge to thrive in the AI-native economy.