Dr David Utzke is a researcher, developer, educator, and author focused on Distributed Leger Technology (DLT) Architectural Engineering, Digital Currency Alternative Payment Systems, Digital Asset Economics, Layer 2 Token Technology, Extended Reality (XR) technologies, Cybersecurity, Cryptography, Quantum Computing, AI Technologies, and Data Security and Analytics. Dr Utzke holds a doctorate in Financial Economics and Data Security, MBA in Forensic Accounting and International Finance, MSc in Blockchain Engineering and Digital Currency Coding, post-doctoral work in Digital Asset Economics as well as Smart City Design with Technology Integration at MIT, and post-doctoral work in XR design at the University of Michigan’s XR Dept with a focus on ethical use, accessibility, social implications, privacy, and user security. His accomplishments include receiving numerous prestigious awards from the U.S. Dept. of Justice for application of unique investigative and analytic methods supporting high-profile investigations, and the IRS Commissioner’s Award for his pioneering work in developing tools.