Saturday, January 17, 2026

This Is Why Companies Should Have Bitcoin On Their Balance Sheets, Saylor Explains

![](https://www.livebitcoinnews.com/wp-content/uploads/2025/06/photo_6253762920789951707_y-1.jpg)

According to Strategy Chair Michael Saylor, Bitcoin is increasingly viewed as a better capital allocation tool compared to other asset classes, such as bonds.When Bitcoin’s price rises, it can improve ...

Details: - Published: 17/01/2026 21:45 (UTC) - 📊 Characteristics Score:

Asset Type: others Sentiment: 0.65 Entropy: 0.45 Relevance: 0.9 Staleness: 0.75 Uncertainty: 0.3 Level-1 Focus: bitcoin-treasuries, market-cycles-macro-sensitivity Level-2 Focus: corporate-treasury-strategy-e-g-microstrategy, market-volatility-liquidity-events - 🏷️ Tags: #michael saylor #bitcoin treasury #capital allocation #balance sheet #fixed supply #inflation hedge #public companies #cash preservation

Source: https://rwatimes.io/articles/livebitcoinnews-this-is-why-companies-should-have-bitcoin-on-their-balance-sheets-saylor-explains-247751246?utm_source=reddit&utm_medium=social&utm_campaign=reddit&utm_content=livebitcoinnews-this-is-why-companies-should-have-bitcoin-on-their-balance-sheets-saylor-explains-247751246


Posted from RWA Times Bot


I need help with an investment plan for 2026/ portfolio rebalancing.

35 yr male. Regarded choices. Anyways I have 0 clue what I am doing and been lucky so far. I started with the GME debacle. made 10k. spent pretty much most of that to buy two high end computers to support my programming passion.

-> A few years later ->

I have dca into several investment accounts.

Crypto:

  • Bitcoin - 8.4k
  • litecoin - $100
  • Eth - $600

Stocks:

  • regular e-trade investment account - $750 (mix of amazon, mcdonalds, epd)
  • Roth on etrade - $1.9k (voo, schd)

To define what I meant by "rebalancing". I do not plan on selling anything, I only plan to change what I dca into.

Also the crypto situation is a little unusual. I run a trading bot that I created. in january of 2025 I started trading with $300 and i slowly upped it to $5000. By december i discover i made about $2000 profits from that.

Now My dilemma might start to look a little clear. I am horribly unbalanced, my risk is really high in a single asset imo lol. But on the other side coin the gains were really good.

My regarded plan for 2026

  1. move all 8k bitcoin to a "hold" wallet that the trade bot will not touch.
  2. start over with the trading bot as before.
  3. Split up a $500 monthly dca between stocks,roth, and new trade bot.
  4. code 3 more trade bots i had ideas for (start small)
  5. start more side hustles that are not trading related to funnel money into my investment plans.

Self doubt thoughts:

  1. Moving all 8k bitcoin to a hold wallet , brings my profits to 0 and i will have to start over and if im splitting the dca to do more in stocks then it will be slower... but in the event of a major run up. the bot wont automatically sell everything for under 5 percent profit when gains could be way higher.
  2. in the event of increase of income i would increase my stocks position.
  3. trade bot does need a minimum amount of cash for it to work as well as it does. Higher volume = lower trade fees. With low margin bots, moving down just 1 fee tier can almost double profits. The goal is to bring the trade bot back up to 5k but rounding up the time to the year with my estimates that would take 2 years.
  4. i was thinking $400 for the tradebot portfolio for the first 4 months then $200 for 8 months after. with the rest being split 75% stocks regular account 25% stocks for roth.
  5. i was also thinking that my thinking is completely stupid and i should just yolo it all into the bot if its doing good.
  6. i was also thinking that my thinking is completely stupid because i keep flipping back and forth between greed/risk/sustainability.
  7. then i thought i need some unbiased thoughts. I strive to be a robot, an unemotional trader, but i am still human and all this second guessing has my thoughts tied in knots. someone call me an idiot. it might help!

Thursday, January 15, 2026

I wanted any and everybody's thoughts on an idea I came up with and wanted to see if it was in the realm of possibility + what you guys think

I brainstormed a type of currency similar to XMR based off of its ring signature rules and the traditional system of hawala , vice is greatly appreciated and constructive criticism

**Hundi** – A pure P2P cryptocurrency protocol recreating hawala's trust-based transfers on-chain with automatic Monero-style ring mixing for unbreakable privacy. Users specify only recipient hawaladar + amount; protocol auto-mixes with network decoys.

## Core Innovation

**One-click hawala**: Alice sends 100 USDC to Charlie via Bob (her contact). She inputs: `amount`, `bob.eth`, `secret="hundi42"`. Hundi auto-pulls 10 recent active hawaladars as decoys, broadcasts ring signature flooding the chain—transaction appears to ping the *entire* network. Bob propagates secret privately; Charlie receives value seamlessly.

## Technical Architecture

```

User Flow: amount → recipient → secret

↓

[Auto] RingSig(10 recent hawaladars + Bob) → Mempool flood

↓

Private: Bob → Dana → Charlie (secret chain)

↓

On-chain: Charlie claims amid network noise

```

**Key Components:**

- **AutoDecoy Pool**: Recent 1k rep NFT minters (24h lookback) – no user selection

- **Fixed Ring Size**: 11 participants (self + recipient + 9 decoys) for uniform tx fingerprint

- **ZK Relays**: Semaphore proofs hide intermediate hops

- **HTLC Backbone**: Atomic secrets + timelocks prevent stuck funds

## Production Solidity Contract

```solidity

// Hundi.sol - Deploy Monad/Ethereum

pragma solidity ^0.8.20;

import "@openzeppelin/contracts/token/ERC20/IERC20.sol";

import "@openzeppelin/contracts/token/ERC721/ERC721.sol";

import "@zk-kit/protocols/semaphores/contracts/Semaphore.sol";

contract Hundi is ERC721("HundiRep", "HREP"), Semaphore {

uint256 constant RING_SIZE = 11;

uint256 constant LOOKBACK = 7200; // ~24h blocks

struct Transfer {

bytes32 commitment;

address recipientHawaladar;

uint256 amount;

address token;

bool settled;

}

IERC721 public repNFT;

mapping(bytes32 => Transfer) public transfers;

mapping(address => uint256) public repScore;

// USER CALL: Only needs recipient + amount

function sendHundi(bytes32 _commitment, address _hawaladar, uint256 _amount, address _token) external {

address[] memory decoys = getActiveHawaladars();

require(decoys.length >= RING_SIZE - 2, "Pool too small");

transfers[_commitment] = Transfer(_commitment, _hawaladar, _amount, _token, false);

IERC20(_token).transferFrom(msg.sender, address(this), _amount);

emit HundiSent(_commitment, _hawaladar, decoys);

}

// Auto-fetch recent active hawaladars

function getActiveHawaladars() internal view returns (address[] memory) {

// Implementation: Scan recent TransferCompleted events for unique msg.sender

// Return newest RING_SIZE-2 addresses + randomization

}

// Anonymous relay (ZK proof)

function relayHundi(uint256 _groupId, uint256 _nullifierHash, uint256 _signal, bytes32 _commitment) external {

verifyProof(_groupId, _nullifierHash, _signal); // Semaphore ZK

// Propagate secret privately to next hop

repScore[msg.sender]++;

_mint(msg.sender, repScore[msg.sender]);

}

// Final claim with secret

function claimHundi(bytes32 _commitment, bytes32 _secret) external {

Transfer storage t = transfers[_commitment];

require(keccak256(abi.encodePacked(_secret)) == t.commitment, "Wrong secret");

require(msg.sender == t.recipientHawaladar, "Not recipient");

require(!t.settled, "Already claimed");

t.settled = true;

IERC20(t.token).transfer(msg.sender, t.amount);

}

}

```

## Privacy Guarantees

| Metric | Hundi | Monero | Bitcoin |

|--------|--------|---------|---------|

| **Sender Anonymity** | Auto-ring 11 decoys | Ring signatures | None |

| **Route Privacy** | Network-wide broadcast | Output mixing | Public |

| **User Effort** | 3 inputs (amt/addr/secret) | Wallet default | Full exposure |

| **Gas Cost** | ~150k (ring) | N/A (native) | 21k (basic) |

## Network Effects

**Bootstrap**: Early users (your trading contacts) earn HREP NFTs → become decoys → attract more users

**Reputation**: NFT serial # = successful transfers; higher ID = trusted hawaladar

**Discovery**: P2P gossip (libp2p) shares active hawaladars; frontend indexes recent claims

**Offsets**: Hawaladars settle repeated business via direct swaps (your grid trading strength)

## Deployment Roadmap

```

Phase 1: Testnet (1 week)

└─ Remix IDE → Sepolia → Basic HTLC

Phase 2: Frontend (2 weeks)

└─ React + Rabby Wallet → 1-click UX

└─ OrbitDB for hawaladar discovery

Phase 3: Mainnet (Month 1)

└─ Monad deployment (<$0.01 fees)

└─ Airdrop 1M HREP to first 1000 users

Phase 4: Scale (Q2 2026)

└─ Cross-chain (LayerZero bridges)

└─ Mobile app (React Native)

```

## Economic Model

```

Fees: 0.3% → HREP stakers (protocol owned)

Rep NFTs: Soulbound, tradeable after 100 tx

Burn: 10% fee on bad claims (slashing)

Incentives: 50% fees → ring liquidity rewards

```


Wednesday, January 14, 2026

SSD Help: January-February 2026

Post questions in this thread. Thanks!

This thread may be demoted from sticky status for specific content or events.

If I've missed your post, it happens. It's okay to jump on discord, DM me, or chat me (although I don't check chat often). I'm not intentionally ignoring you. I just answer what I can each day and sometimes there's too much backlog to keep track. I will try to review each month as I go but that could still be a pretty big delay.

Be aware that some posts will be auto-moderated, for example if they contain links to Amazon

Basic Purchasing "Tier" List for US Amazon


5/7/2023

Now that I have the website up and running, I'm taking requests for things you would like to see. A common request is for a "tier list" which is something I may do in one fashion or another. I also will be doing mini blogs on certain topics. One thing I'd like to cover is portable SSDs/enclosures. If you have something you want to see covered with some details, drop me a DM.


Discord

Website


Previous period


My Patreon - your donations are appreciated and help pay the cost of my web hosting.

The spreadsheet has affiliate links for some drives in the final column. You can use these links to buy different capacities and even different items off Amazon with the commission going towards me and the TechPowerUp SSD Database maintainer. We've decided to work together to keep drive information up-to-date which is unfortunately time-intensive. We appreciate your support!

General Amazon affiliate link

Bitcoin address for donations

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