Founder, Encume
Kshitij Chitransh
Chartered Accountant. Finance professional by day, Web3 advisor and educator alongside it. I started Encume to make crypto and digital assets understandable for ordinary Indians, without the hype or the jargon.
- Qualification
- Chartered Accountant
- Currently
- Barclays
- Previously
- Macquarie, HSBC
- Web3 work
- Independent, since 2021
Background
My career has been in financial services, across regulatory, treasury and disclosure work. That work teaches you how money moves through an institution: how it is recorded, reconciled, reported and supervised.
Since 2021 I have also worked independently with blockchain projects: writing whitepapers, building tokenomics models, researching markets and preparing licensing documents for exchanges and fund managers. Token economies turned out to be financial systems too. They have supply schedules, obligations to early backers and treasuries to manage, and they fail for the same reasons weak balance sheets do.
Encume brings the two together. For everyday readers, it explains crypto in plain language with the risks stated. For founders, it applies the discipline of institutional finance to token design.
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BarclaysCurrent
Currently working in financial services at Barclays.
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HSBC
Disclosure assurance and financial reporting.
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Macquarie
Regulatory and treasury reporting in financial services.
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Independent Web3 practice
Tokenomics, whitepapers, research and licensing work for blockchain projects, alongside each of these roles. See the case studies.
Two ledgers, one discipline
How ideas from banking map onto Web3. Select a row to read the note.
Both exist to keep one agreed record. One gets there through reconciliation, the other through consensus.
A cap table and an unlock schedule answer the same question: who owns what, and when they can sell it.
A token treasury is a funding plan. Emissions with no revenue behind them are slow dilution.
Public data is not the same as disclosure. Someone still has to explain what the numbers mean.
The obligations carry over almost unchanged. The tooling and the evidence change.
Immutability proves what happened. It says nothing about whether it should have.
What I'm building
Three names, three jobs.
Kshitij Chitransh
Educator, creator and founder. The face on Instagram, YouTube and LinkedIn.
Encume
This website: the guides, the resources and the services, in one place.
MQ Encume
The longer-term business, which may grow into further products and services over time.
Encume will add workshops, courses and research over time. It will not offer personalised investment advice, portfolio management, custody or trade execution unless and until the legal and regulatory requirements for those services are met.
Published
Tokenomics for Beginners: A Non-Tech Guide to Understanding Crypto
A plain-language introduction to how tokens are issued, distributed and valued.