Living Ethically and Strategically on the Bitcoin Standard. All articles have been published on Substack. • Introduction -

Living Ethically and Strategically on the Bitcoin Standard

Introduction

• Chapter 0: Why the Bitcoin Standard? A Foundation for Ethical Finance -

Chapter 0: Why the Bitcoin Standard? A Foundation for Ethical Finance

Part 1: The Foundations of the Bitcoin Standard

• Chapter 1: Getting Out of Debt on the Bitcoin Standard: A Roadmap to Financial Freedom -

Chapter 1: Getting Out of Debt on the Bitcoin Standard: A Roadmap to Financial Freedom

Part 2: Personal Finance Strategies

• Chapter 2: Education Without Chains: The Bitcoin Standard Approach to Student Loans -

Chapter 2: Education Without Chains: The Bitcoin Standard Approach to Student Loans

Part 2: Personal Finance Strategies

• Chapter 3: Building Your Foundation: Saving for Property on the Bitcoin Standard -

Chapter 3: Building Your Foundation: Saving for Property on the Bitcoin Standard

Part 2: Personal Finance Strategies

• Chapter 4:The Ultimate Insurance: A Self-Custodied Bitcoin Emergency Fund -

Chapter 4:The Ultimate Insurance: A Self-Custodied Bitcoin Emergency Fund

Part 2: Personal Finance Strategies

• Chapter 5: Building a Resilient Retirement on the Bitcoin Standard -

Chapter 5: Building a Resilient Retirement on the Bitcoin Standard

Part 3: Family & Legacy Planning

• Chapter 6: The Digital Inheritance: Leaving a Legacy on the Bitcoin Standard -

Chapter 6: The Digital Inheritance: Leaving a Legacy on the Bitcoin Standard

Part 3: Family & Legacy Planning

• Chapter 7: Saving for Hajj Without Riba: A Journey of Faith on the Bitcoin Standard -

Chapter 7: Saving for Hajj Without Riba: A Journey of Faith on the Bitcoin Standard

Part 3: Family & Legacy Planning

• Chapter 8: For Small Business: Why Bitcoin Belongs on the Balance Sheet -

Chapter 8: For Small Business: Why Bitcoin Belongs on the Balance Sheet

Part 4: Business & Treasury Strategy

• Chapter 9: Money Without Borders: Payments & Remittances on the Lightning Network -

Chapter 9: Money Without Borders: Payments & Remittances on the Lightning Network

Part 4: Business & Treasury Strategy

• Chapter 10: Building an Ethical Business: Operating Riba-Free on the Bitcoin Standard -

Chapter 10: Building an Ethical Business: Operating Riba-Free on the Bitcoin Standard

Part 4: Business & Treasury Strategy

• Chapter 11: The Journey to Sovereignty: Practical First Steps on the Bitcoin Standard -

Chapter 11: The Journey to Sovereignty: Practical First Steps on the Bitcoin Standard

Part 5: Practical Tools & Resources

#Bitcoin Is #Halal book Bahasa #Indonesia 🇮🇩 edition update: 50 books have been printed and on their way to Bitcoin Bali House ahead of Bitcoin Indonesia conference! The print book is published by Bukunesia and will be available for order soon.

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While other chase fiat fantasies... He built a legacy of faith, freedom, and generational wealth! #BitcoinMemes

Recommended #Bitcoin Books: 📘 1. Bitcoin is Halal: Adam and Layla Discover Digital Gold Audience: Muslim teens, families, and curious beginners exploring Bitcoin through a faith-based lens Type: Illustrated educational narrative; family-friendly intro to Bitcoin and Islamic finance Description: A playful, principled journey where two siblings explore Bitcoin’s ethics, technology, and halal potential—making digital money make sense for the whole family. 📗 2. Anti-Riba Money: Dismantling Usury through Bitcoin Audience: Ethically-driven Muslims, Islamic finance students, and justice-oriented Bitcoiners Type: Philosophical and economic critique; Islamic finance meets Austrian economics Description: A bold manifesto exposing fiat’s usurious roots and presenting Bitcoin as a spiritually sound alternative for financial sovereignty. 📙 3. The Bitcoin Standard Audience: Economists, Bitcoin maximalists, policy thinkers, and serious students of monetary history Type: Seminal economic treatise; Austrian economics applied to Bitcoin Description: A sweeping exploration of sound money, from seashells to Satoshi—arguing Bitcoin as the digital heir to the gold standard.

NEW BOOK REVIEW: ANTI-RIBA MONEY - Dismantling Usury Through Bitcoin by @Muslim Bitcoiner,

"Anti-Riba Money: Dismantling Usury Through Bitcoin" – A Ground-breaking Roadmap to Financial Liberation

Abdullah ibn Oda's Anti-Riba Money: Escaping Usury Through Bitcoin is far more than just another Bitcoin book; it's a powerful call to action for t...

Left panel: So my daughter tells me you've heard about Bitcoin? "Bitcoin is haram" You have 21 seconds to get out of my house Right panel: "I propose a dowry of 0.1 bitcoin for your daughter's hand in marriage" Allahumma baarik! Come and sit down son

❤️ 21 Ways a Muslim Bitcoiner Maxi Says “I Love You” to His Wife 1. “You’re my only counterparty risk. And I trust you more than multisig.” 2. “I prayed for a righteous spouse. Allah gave me one who understands proof-of-work and tawakkul.” 3. “You’re my halal node in a noisy world. Always validating, never draining.” 4. “Even if fiat collapses, my love for you stays pegged to divine value.” 5. “You’re the only one I’d share my seed phrase with. And I mean that spiritually and literally.” 6. “Our marriage is like Bitcoin: built on consensus, resilient to volatility, and protected by divine protocol.” 7. “I’d cross timechains for you. You’re my final settlement.” 8. “You make me want to hodl sabr and taqwa like it’s a bull market.” 9. “You’re my Layer 2 — scaling my patience, speeding up my gratitude.” 10. “I don’t need a pump to feel rich. I have you, and that’s real wealth.” 11. “You’re my halal yield. No riba, just rizq.” 12. “I’d rather lose my cold wallet than lose your du’as.” 13. “You’re the only one I’d go off-chain for. But even then, I’d come back to you.” 14. “You’re my spiritual ledger — recording every act of kindness, every moment of mercy.” 15. “I love you more than I hate central banks. And that’s saying something.” 16. “You’re my sovereign companion. No intermediaries, no inflation — just pure love.” 17. “You’re the only fork I’d follow. Because you lead me closer to Jannah.” 18. “You’re my halal hash rate — the strength behind every test, every trial, every triumph.” 19. “You’re my spiritual cold storage. Protected, precious, and always close to my heart.” 20. “You’re my favorite block reward. Every day with you is a new confirmation.” 21. “If love were a ledger, you’d be my Genesis block. Everything starts with you.”

Part 3: Family & Legacy Planning Section 6: The Digital Inheritance: Leaving a Legacy on the Bitcoin Standard "The best of people are those who are most beneficial to people."  -  Prophet Muhammad (ﷺ) Leaving a legacy is about more than just money; it's about passing on values and tools for sovereignty. Inheriting Bitcoin involves unique legal, spiritual, and technical considerations that every family should plan for. 1. The Unique Challenge of Digital Inheritance: You can't just list "Bitcoin" in a will and expect it to work. If your private keys are lost, the wealth is gone forever. If they are not secured properly, they can be stolen. Planning is not optional; it is a duty. 2. Technical, Legal, and Spiritual Considerations: - Technical: The core of your plan is a secure key management strategy. Multi-sig wallets are the ideal solution. A clear, documented plan for how your heirs can access the keys is essential. This could involve sealed letters, safe deposit boxes, or trusted custodians. - Legal: Work with a lawyer who understands Bitcoin. Your will should specify the existence of your digital assets and point to the instructions for accessing them, without revealing the private keys in the document itself. - Spiritual (Ethical Wills): An ethical will is not a legal document; it's a letter to your heirs. In it, you can explain why you chose the Bitcoin Standard. Explain the values of sovereignty, low time preference, and escaping riba. This context transforms a financial inheritance into a legacy of wisdom. 3. Educating the Next Generation: The greatest inheritance you can leave is knowledge. Teach your children and grandchildren about the nature of money. Explain why you are saving in a system designed for freedom and long-term prosperity. Make them partners in the journey of building multi-generational wealth on a foundation of sound principles. Call to Action & Reflection: If you were to pass away tomorrow, would your loved ones be able to access your Bitcoin? Start the conversation today. Document your plan, educate your heirs, and turn your financial strategy into a lasting legacy of empowerment. Disclaimer: The content of this article is not intended as financial, investment, or religious advice. Readers are encouraged to conduct their own research and consult with qualified professionals for specific guidance. #BitcoinStandard #Bitcoin #Legacy #Inheritance

They were wrong again. #Bitcoin

Part 3: Family & Legacy Planning Section 5: Building a Resilient Retirement on the Bitcoin Standard Traditional pensions are a promise based on a failing system. They invest in a market fuelled by debt and are denominated in currencies designed to lose value. For the next generation, relying solely on these systems is a risky bet. It's time to build a parallel, sovereign retirement plan. 1. Why Traditional Pensions Are Failing: Pensions face a perfect storm: longer life expectancies, low interest rates, and the constant debasement of the fiat currency they hold. The promise made to you today may not have the purchasing power you need in 30 years. 2. Bitcoin as Your Long-Term Retirement Hedge: Your retirement plan is the ultimate low-time-preference goal. You are saving value across decades. - A Lifelong Savings Vehicle: Think of Bitcoin as a personal pension fund that you control. By converting a portion of your income into Bitcoin throughout your working life, you are opting into a system with a fixed supply, protecting your future self from the monetary inflation of the fiat world. - Global Portability: Your Bitcoin retirement fund is not tied to a government or a country. If you decide to retire abroad, your wealth moves with you, seamlessly and without permission. 3. Custody Strategies for Aging Individuals: Self-custody is empowering, but it requires responsibility. As we age, it's wise to plan for secure and accessible custody. - Collaborative Custody (Multi-Sig): This is the gold standard. A 2-of-3 or 3-of-5 multi-sig setup with trusted heirs and advisors ensures that no single person can move the funds, but also that the funds are not lost if one person becomes incapacitated. - Bitcoin ETFs in a SIPP: If self-custody and multi-sig are not something you are comfortable with, Bitcoin ETFs in a Self-Invested Pension Plan (SIPP) might be an option to consider. A SIPP is a type of personal pension that gives you more control over your investments for retirement. Unlike standard pensions, SIPPs allow you to choose from a wider range of investment options, including stocks, shares, and various types of funds. You can manage these investments yourself or appoint a financial advisor to do so. If Bitcoin ETFs are available in your jurisdiction, this may be a tax efficient option for you to consider. - Education is Key: The most important part of this strategy is educating your loved ones. They need to understand what Bitcoin is, why it's valuable, and how to securely access it when the time comes. Call to Action & Reflection: What percentage of your retirement plan is outside of your direct control? Begin learning about self-custody and multi-sig solutions today. Building a sovereign retirement plan is a gift of security you give to your future self. Disclaimer: The content of this article is not intended as financial, investment, or religious advice. Readers are encouraged to conduct their own research and consult with qualified professionals for specific guidance. #BitcoinStandard #Ritirement

Part 2: Personal Finance Strategies  Section 4: The Ultimate Insurance: A Self-Custodied Bitcoin Emergency Fund Life is unpredictable. The conventional answer is insurance, often a complex product with misaligned incentives. A more sovereign approach is to build a resilient emergency fund that you, and only you, control. Bitcoin provides the ultimate tool for this. 1. Takaful vs. Conventional Insurance: Many conventional insurance models are problematic from an ethical standpoint, involving uncertainty (gharar) and gambling (maysir). Takaful (Islamic insurance) offers a cooperative model based on mutual support. It's a step in the right direction, but what about the money it operates on? 2. Bitcoin as Your Sovereign Emergency Fund: An emergency fund needs to be liquid, accessible, and censorship-resistant. - True Ownership: A bank can freeze your savings account during a crisis. Bitcoin held in self-custody is yours alone. With your private keys, you have access to your wealth anywhere in the world with an internet connection. This is critical during political instability, natural disasters, or personal emergencies. - Inflation Resistance: A typical emergency fund of 3–6 months of expenses sitting in a bank is constantly losing purchasing power. A fund held in Bitcoin is designed to preserve that power over the long term, ensuring your safety net remains strong. 3. Multi-Sig Wallets for Family Security: How do you ensure your family can access funds if something happens to you? A multi-signature (multi-sig) wallet is the answer. - Shared Control: A multi-sig wallet requires multiple keys to authorise a transaction (e.g., 2-of-3 keys). You could hold one key, your spouse another, and a trusted family member or lawyer the third. This prevents a single point of failure and ensures responsible access in an emergency, without sacrificing self-custody. Call to Action & Reflection: Is your emergency fund truly under your control? What are the potential points of failure in your current safety net? Explore how self-custody and multi-sig solutions can provide your family with a new level of resilience and peace of mind. Disclaimer: The content of this article is not intended as financial, investment, or religious advice. Readers are encouraged to conduct their own research and consult with qualified professionals for specific guidance. #AntiRiba #BitcoinStandard #BitcoinIsHalal

Bitcoin Is Halal #Istanbul

Bitcoin is Halal In #Türkiye

Why Are We All In Debt? Because the money we use is designed to keep us there. Governments print it. Banks lend it. You borrow it. And every unit created comes with interest attached. That’s not a bug—it’s the system. 🧵👇 1. Fiat money = debt money Every dollar, euro, or lira is born as a loan. Central banks issue it. Commercial banks multiply it. You pay the price through inflation and interest. 2. Inflation steals silently Your salary doesn’t keep up. Your savings lose value. Your rent goes up. Your future shrinks. 3. You’re not alone - Students: in debt - Families: in debt - Nations: in debt Even central banks owe trillions. It’s a treadmill with no off switch. 4. Bitcoin fixes this - No central issuer - No inflation schedule - No debt-based creation - Just maths, consensus, and scarcity 5. Bitcoin is freedom money It’s open-source. It’s borderless. It’s permissionless. It’s anti-Riba. It’s built for sovereignty. 6. The punchline? We’re in debt because fiat is a trap. Bitcoin is the exit.

Part 2: Personal Finance Strategies Section 3: Building Your Foundation: Saving for Property on the Bitcoin Standard For many, the dream of owning a home feels increasingly out of reach. High inflation, rising property prices, and riba-based mortgages create a system where you are forced to rent while your savings devalue. Bitcoin offers a strategic hedge to help you build a down payment on your own terms. 1. The Problem: Racing Against Inflation: Saving for a down payment in a fiat currency is a race you are destined to lose. The value of your cash decreases year after year, while the price of real estate often rises. You are saving in a melting ice cube to buy an asset that is getting more expensive. 2. Bitcoin: A Long-Term Store of Value for Your Goal: Think of Bitcoin as a savings account that operates on a different set of rules. - Preserving Purchasing Power: The primary goal when saving for a large, long-term purchase is to ensure your money holds its value. Bitcoin's fixed supply makes it a superior long-term store of value compared to inflationary currencies. It's designed to protect your hard work. - Case Studies from Volatile Economies: Look at families in countries like Argentina, Türkiye, or Nigeria. They don't have the luxury of stable local currencies. Many are already using Bitcoin to save for homes, cars, and businesses, protecting their wealth from hyperinflation and giving them a chance to build a secure future. 3. A Disciplined Strategy: Using a volatile asset for a medium-term goal requires a clear plan. - Dollar-Cost Averaging (DCA): Don't try to time the market. Consistently convert a portion of your income into Bitcoin. This DCA strategy smooths out volatility and builds your position over time. (Note: substitute USD$ for your own fiat currency). - Low Time Preference: This journey requires patience. Instead of seeking a "quick flip," you are steadily building a foundation over 3, 5, or 7 years. This disciplined approach aligns perfectly with the gravity of purchasing a home. Call to Action & Reflection: Calculate how much your savings have lost to inflation over the past five years. Now, imagine if you had a savings tool designed to hold its value against that decline. What does true ownership mean to you, and how can a sound savings strategy help you achieve it? Disclaimer: The content of this article is not intended as financial, investment, or religious advice. Readers are encouraged to conduct their own research and consult with qualified professionals for specific guidance. #BitcoinStandard #SoundMoney #PersonalFinance

🧠 “Who Created Bitcoin?” The Conspiracy Board - 🕵️‍♂️ “It was the CIA!” - 👽 “Aliens dropped it in 2009!” - 🧙‍♂️ “A time-traveling monk from Andalusia!” - 🧛 “Satoshi is actually a vampire who hates fiat!” - 🐙 “The Deep State coded it in Atlantis!” Muslim Bitcoiner Maxi: “Bro… it doesn’t matter.” The Moral of the Meme: Bitcoin is open source. - Anyone can inspect the code - No central authority controls it - It runs on math, not trust - The community maintains it - The protocol speaks for itself Muslim Bitcoiner Maxi: “Satoshi could be a cat. Doesn’t change the block size.”

Part 2: Personal Finance Strategies Section 2: Education Without Chains: The Bitcoin Standard Approach to Student Loans & Education Planning The promise of education has been twisted into a lifetime of debt for millions. The student loan system, built on riba (interest), is a crushing weight on a graduate's future. It's time to rethink how we fund learning, using principles of foresight and sound money. 1. Acknowledging the Riba Trap in Education: Interest-based student loans are one of the most insidious forms of modern debt. They burden young people just as they begin their careers, delaying homeownership, family formation, and financial independence. This system is fundamentally misaligned with the ethical pursuit of knowledge. 2. Bitcoin Savings Plans: Funding the Future Today: Instead of borrowing from the future, we can save for it. A Bitcoin savings plan for a child's education is a powerful, long-term strategy. - Front-Running Inflation: University costs are rising faster than inflation. Saving in fiat is like trying to fill a leaky bucket. Saving in Bitcoin, a deflationary asset, gives you a tool designed to preserve and grow purchasing power over the 18+ year timeframe needed to save for university. A somewhat controversial take on this could involve taking out a Sharia-compliant loan (available in the UK and other countries), and putting the equivalent amount in bitcoin, ideally in a tax-wrapper ISA. The loan is then paid back in full after graduation and there should be some bitcoin remaining for HODLing or for other use. - Teaching Financial Responsibility: Involving your children in this savings plan teaches them about low time preference, the nature of sound money, and the importance of avoiding riba. It becomes a multi-generational lesson in financial sovereignty. 3. Decentralised & Community-Based Alternatives: The Bitcoin ethos encourages us to build new systems, not just critique the old ones. - Scholarships & Crowdfunding: The Bitcoin community is global and generous. We are seeing the rise of Bitcoin-funded scholarships and crowdfunding platforms where individuals can support students directly, peer-to-peer, without intermediaries. - Qardh-Hasana (interest-free) Student Loan: Explore ethical, non-riba student loans where a student agrees to pay a percentage of their income for a set period after graduation. This is a partnership, not a debt, as the funder shares in the risk and reward of the student's success. Call to Action & Reflection: How can we, as a community, begin building funding models for education that empower students instead of indebting them? What's one step your family can take to prioritise saving over borrowing for future learning? Disclaimer: The content of this article is not intended as financial, investment, or religious advice. Readers are encouraged to conduct their own research and consult with qualified professionals for specific guidance. #RibaFree #StudenLoans #EducationPlanning #BitcoinStandard

You cannot help people who do not want to be helped. #FiatMaxi

We now have a faster and halal way to buy a house. "No thanks... Bitcoin is too risky and volatile"