In this episode of the DevReady Podcast, host Anthony Sapountzis sits down with Joni Pirovich, Founder of Crystal Agentic Operating System and Australia’s specialist crypto law firm B’DASL (Blockchain & Digital Assets: Services + Law), to unpack how blockchain is moving from speculation to real utility. Joni explains where stablecoins, DeFi and tokenisation fit, why regulation and licences matter, and how Crystal reduces the compliance burden so individuals and enterprises can safely participate. In this episode, expect clear examples from Australia and abroad, plus practical insight into self-custody, institutional adoption and the road to mainstream.

Joni outlines why stablecoins matter for faster, lower cost payments and why self-custody appeals to users who want control, while acknowledging that responsibility and security still sit with the individual. She contrasts slow, fee-heavy banking rails with near-instant settlement on chain, and counters the “speculation only” narrative with real use cases such as automating governance, security reviews and company procedures across open protocols that already process significant transaction volume. Regulatory uncertainty has slowed this progress, but US-led clarity is emerging and other jurisdictions are following with clearer rules of the road.

In Australia, first-wave crypto ETFs have opened exposure for brokers, super funds and everyday investors, while DeFi lets users connect a wallet to aggregation and investment protocols to automate asset management and routing. Locally, corporates are beginning to add Bitcoin to treasuries, and standout projects include Immutable in gaming and Synthetix in DeFi. At the same time, stricter licensing has pushed some builders offshore to crypto-friendly regimes, a pragmatic move until domestic frameworks catch up.

Tokenisation is gathering pace, from fractional property exposure to real-world assets more broadly. Joni explains why Dubai is further along, whereas Australia still contends with stamp duty, land tax, CGT and state-based land titles. For teams seeking to launch at speed, she points to Cayman Islands, BVI, Panama, Isle of Man, Gibraltar and Malta, while EU pathways allow firms to obtain a crypto-asset licence and passport across Italy, France, Germany and Portugal. Switzerland remains a long-standing, crypto-friendly hub, albeit with higher costs.

Looking ahead, Joni’s vision is simple. Crystal Agentic OS becomes a daily companion that surfaces your crypto activity, highlights value-aligned communities and recommends compliant actions that could improve outcomes. Her thesis is that every business will become a crypto business and most online actions will create tokenised value, which brings tax and reporting obligations that Crystal abstracts away. Built first for her own workflow after a decade advising in crypto, Crystal is now being shared so users can enjoy innovation without the compliance headache. The mainstream moment is still ahead, and better UX, clearer regulation and trusted automation are what will unlock it.

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