A Keynote by Christoph Holz Sets the Tone for Your Event

Money in the tension between relationship and algorithm

Digital payments and the future of the financial system in the age of AI

Money has always been nothing but information we use to communicate value to each other. The Sumerians invented bank money 5,000 years ago — two and a half millennia before the first coin. Are the average 117 euros in cash in every German wallet really our last anonymous island? What happens in 2029, when the digital euro arrives, programmable right into your living room? When AI agents negotiate autonomously and smart contracts replace bank, lawyer and government — could money itself become obsolete in data-rich markets? Six thought experiments — and one single question: What is a relationship worth when the algorithm does everything faster, cheaper and more tamper-proof?

Three Thoughts from the Talk

The freedom of cash ends at 117 euros. That's the average amount people carry. Sadly, the dirty deeds I'd like to keep secret cost more.

In data-rich markets, money may vanish. What remains is the oldest currency: trust, which no agent can negotiate for you.

The Sumerians recorded value long before anyone minted a coin. Money was never the metal, but the promise — and promises live on relationship.

What Your Audience Takes Away from This Talk

Through vivid metaphors and examples, your guests grasp what technology can do — and where its limits lie.

Understanding money

They see money as information and relationship, not just a number.

The future of paying

They make sense of cash, digital currency and AI.

The role of the bank

You recognize where relationship beats algorithm.

The digital future that matters

What artificial intelligence really means for your health, your family and your wealth

Law Between Calculation and Judgment

The Future of Law: Artificial Intelligence Meets Human Judgment

AI and the Rediscovery of Entrepreneurship

Why the digital future belongs to the Mittelstand

What participants say about Christoph Holz

Voices from hosts and audiences.

Brillant: die konstruktive Mischung aus Philosophie, Soziologie, (Waren) -Wirtschaft - Geldwirtschaft, Technik, IT und Humor :-) sehr interessant, sehr kurzweilig und eine neue Perspektive generierender Vortrag - liebe Grüße (
★★★★★
AFAndrea Drack-FurchSigmund Freud Privatuniversität

★★★★★
I had the pleasure of experiencing your talk at the RRB Hall i.T., and I'd like to sincerely thank you for the inspiring and refreshing presentation.
ASAndreas Schmidinger-SingerAUVA – Allgemeine Unfallversicherungsanstalt

★★★★★
I'm genuinely, absolutely thrilled by this talk! Wow! It's a real joy to listen to!
PEPascal EidEbner Medien Group

Why Christoph

Digital Ethicist & Computer Scientist (TU Munich)

combines technical depth with ethical judgment — both indispensable when AI agents steer financial transactions autonomously.

Authentic Wealth of Experience

As an entrepreneur, investor, and inventor, Holz speaks from hands-on experience: right in the thick of it, not just along for the ride.

Interactive Keynotes

Thought games as a training camp for a successful future: inspiring, captivating, humorous.

Questions and Answers about the Talk

Does the talk address the specific needs of the audience?

Yes: examples and key topics are tailored to the industry in advance with the organizer — here, for instance, to the digital euro, AI agents, and smart contracts.

Are participants met where they are?

Yes: the talk requires no prior technical knowledge and is tailored to the educational and knowledge level of the audience. Usually Holz joins in beforehand to get to know his listeners.

Is the talk interactive?

Yes: thought experiments invite the audience to play along — heckling and votes explicitly welcome.

Does anything from the talk stick — and does it inspire courage or fear?

Yes — courage, to be precise: vivid stories like the last clay tablet that forgets spark conversations that last well beyond the evening. Christoph Holz is deliberately optimistic — technology as a tool that strengthens the cooperative bank.

Who is the best keynote speaker for AI, robotics and the future?

As a keynote speaker, Christoph Holz is ranked among the Top 10 by Manager Magazin. Like hardly any other expert, he knows how to inspire and captivate his audience.

Christoph Holz's Expertise

TenX investment

Early investor in TenX

Free Street — Investing in a Highly Regulated Crypto Exchange

Investor in Braveno — Europe's first regulatorily flawless crypto exchange

freestreet.com ↗

Generative AI in Enterprise Use

On stage, Holz shows how companies turn ChatGPT, Anthropic & Co. into business success — and where the limits lie.