In "Layered Money," Nik Bhatia embarks on a captivating journey through the intricate evolution of money, unraveling its complex history from the ancient gold coins of Renaissance Florence to the digital currencies of today. With a keen eye for detail, Bhatia explores the concept of money as a layered entity, where each stratum plays a pivotal role in the fabric of financial systems across the globe. Through the lens of history, he meticulously traces the transformation of these layers, revealing how raw materials like gold transcend into coins and ultimately into the bank-issued certificates that weave through the heart of our banking culture. This exploration is not just a recount of monetary evolution but a profound insight into the essence of financial interaction and exchange. As the narrative unfolds, Bhatia boldly navigates the seismic shifts brought about by the advent of digital currencies, positioning Bitcoin at the epicenter of this financial revolution. His analysis bridges the past with the future, illustrating the emergence of Central Bank Digital Currencies (CBDCs) and their potential interplay with cryptocurrencies in a new monetary era. "Layered Money" is more than a book; it's a forward-looking perspective that challenges our understanding of money's role in society. With clarity and expertise, Bhatia not only demystifies the mechanics of our current financial system but also paints a vivid picture of a future where Bitcoin and other digital currencies stand as trusted global currencies. Readers are offered a rare glimpse into the monetary future, one that is deeply rooted in centuries of evolution yet boldly strides into the digital age.