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Last Notes

2025-10-17 19:37:34 UTC

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Regional (small) banks have a bit under 50% of the commercial real estate market. This market has been in deep shit for quite some time. The loans are written for much shorter periods than residential real estate.
Occupancy rates are down and continue to drop. Interest rates are up. When these loans come due the buyer will turn in the keys as opposed to being upside down. Has been a slow grind the past few years and under reported. Just one rather large piece of shit to hit the fan in the everything bubble.

2025-10-17 19:16:58 UTC

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already plenty of bad bitcoin actors out there. evil always co-opts useful innovations. this is why decentralization is so important in the tech space.

2025-10-17 19:09:13 UTC

There is roughly 4 trillion in #cash on the planet. Half of this is the US Dollar. Apart from the camera in the store surveilling you one of the most important and unique properties of cash is its transactional anonymity.
Privacy coins like #zcash and #monero are the digital equivalent of cash. They allow private transactions.
As the world becomes more dystopic as the West slowly implodes both socially and economically these coins will grow in popularity as well as market cap.
Who knows how long it will be until brick and mortar and online retail begin to accept crypto currencies. The risk is actually quite low for accepting crypto currencies with adequate liquidity as they can be converted back into a fiat backed stablecoin in seconds.
Privacy coins represent an incredible opportunity for investment for one reason. Potential market cap. The combined market cap of zcash and monero on 10/17/2025 is roughly 8.7 billion dollars.
8.7 billion dollars for a potential 4 trillion dollar (or more) market. As the new financial and monetary rails continue to evolve we will see accelerating growth in the market cap of privacy coins.