US banks are growing loans into deteriorating credit and changing the rules to hide it.
Q4 2025 call report data tells a story Wall Street won't.
Today's Bitcoin Brief:
OpenClaw founder was close to deleting the entire codebase because of crypto harassment.
"I didn't know that they're not just good at harassment, they are also really good at using scripts and tools. I underestimated those people."
We're not built to think in exponentials, what if AI disruption is only 20% right over 2-3 years?
"We're not well prepared to think in exponents and how quickly these things can move." - @JOHN ARNOLD
CBO revised the deficit up $1.4 trillion, projections don't account for AI disruption.
"If you Control+F artificial intelligence or AI, I think you get like one hit back." - @JOHN ARNOLD
$10 billion annually through Lightning, before AI payments and stablecoins take off.
"These are the numbers before agentic payments really take off and before stablecoins get involved, which are both massive drivers." - @Jestopher
Operating purely on Bitcoin means you never have to touch the traditional financial system.
"It's gonna be flat flat flat and then it's gonna be vertical. This is gradually then suddenly type of adoption for Bitcoin payments." - @Jestopher
"The barrier to entry has collapsed to zero. A few years ago you'd need VC capital and engineers. Now you can just sit down and start building." - @JOHN ARNOLD of @TEN31
We discuss:
⚡ Vibe Coding Revolution
⚡ Bitcoin + AI
⚡ Builder Opportunity