I always thought it was J Orlin Grabbe

I figured he learned some lessons from Digital Monetary Trust during late 1990's.

https://en.wikipedia.org/wiki/James_Orlin_Grabbe

https://www.hermetic.ch/crypto/kalliste/money1.htm

https://www.hermetic.ch/crypto/kalliste/money2.htm

https://page.math.tu-berlin.de/~kant/teaching/hess/krypto-ws...

His textbook "International financial markets" has some C++ code.

"What forbids us to tell the truth, laughingly?" — Horace, Satires, I.24.