Jon Karolczak

I grew up in Perth, Western Australia, and currently live in Nashville, TN, via Sydney and New York.

I've spent my career at the intersection of technology, law, and operations, most recently as COO at Priori, a legal technology platform serving Fortune 500 and leading technology companies.

I write two newsletters to stay sharp and close to the spaces I care about. Substrate covers the forces shaping AI: power, compute, models, and capital. Settlement Layer covers the latest in stablecoins and tokenization.

I enjoy working with the latest in technology and have a deep appreciation for tools designed with care and polish. I consider myself an operator and builder at heart and am currently exploring what's next while enjoying time with my wife (a Grammy Award-winning audio engineer) and our daughter.

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Writing