jack mallers

the Strike line of credit may be my favorite thing we’ve ever built. it’s unbelievable.
- it’s an open term loan. no origination fee, no early repayment fee, and you only accrue interest on what you actually use
- it’s a payment method. i can withdraw cash from it instantly, i can pay bills with it, i can even stack sats with it
- because strike is effectively a bank, i also have my paychecks land there, and can configure my paychecks to pay down my line of credit
how do i live on bitcoin?
i have a bitcoin line of credit on Strike. i spend on credit cards, and pay my HOA, ComEd, credit card, and other bills with my line of credit. i also have small DCA going on the line of credit at these price levels. my paychecks come into strike and i configure it to pay down my line of credit and stack sats with the excess cash. i never have to sell my bitcoins and deal with tax triggers.
this also ensures my LTV is never dangerous. i don’t need to borrow a massive lump sum at once and risk a dip. my LTV for a line of credit is like less than 1% of my bitcoin.
a financial account from the future.
we start rolling it out externally next week. so excited
https://blossom.primal.net/4bae1ef8f0eb98a6bf8d85b17f86b8e643a53f5fafb0a3b67527de8cda14b217.jpg
https://blossom.primal.net/a997bc28dd613c69c118c4c1a23245c830625b14537798d907ec19e1493f844f.jpg
https://blossom.primal.net/d351b6af8453648221a64932c2c52f6d1a946f3ccda73df591c3eafdc915e558.jpg
https://blossom.primal.net/57ff97f763353503165fe44f8a4ec02430148a44f182ff5a2dd7296e20c9216c.jpg

2026-02-25 04:38:22 CET

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i don’t think so man.
Bitcoin adoption is path dependent.
in some emerging markets, it’s used as money first because their money is so broken. however, you’d be surprised how much is oversold on twitter versus what is reality. USDT has way more adoption than BTC does for medium of exchange. it’s likely because such a volatile (and high performing) emerging store of value is a tough sell for a medium of exchange at scale.
in developed markets, that’s even more the case. it’s adopted as savings first because fiat “works”, for now. I live in Chicago, nobody accepts bitcoin.
using credit against BTC doesn’t slow adoption, it accelerates it in my opinion. encourages people to buy and save in BTC while spending the shitty money. Gresham’s Law

2026-02-25 00:44:37 CET

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every time i’m done with Mailbag Mondays my Oura ring asks if I just went “swimming”
#nevent1q…7ye3

2026-02-24 17:28:38 CET

We've reached the "everyone knows that everyone knows" chapter. AI is a deflationary force barreling into our highly indebted fiat pile of trash financial system.
With this much debt, authorities can only take so much pain.
When do they surrender and whip out the money printer?
https://blossom.primal.net/34ad1e94108ed9e9d8da79d87a674116bd6812dcead02d41c8216fce5773404a.mp4

2026-02-24 16:45:41 CET

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what does that mean

2026-02-24 16:44:59 CET

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go on

2026-02-24 12:00:40 CET

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you must be in the UK? EU/UK have much stricter rules. much much stricter.
i don’t have that. i will check with the team

2026-02-24 00:00:03 CET

has bitcoin been warning us about a credit crisis?
the deflationary AI trend is now all the rave. going live to break down the markets reaction to AI and what to expect from bitcoin
https://www.youtube.com/live/5V-q3Sc0UIg?si=4Ue5htwIbKZbe4kA

2026-02-23 22:29:42 CET

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what?

2026-02-23 22:15:27 CET

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Some more color on the Line of Credit product we're rolling out:
Most Bitcoin-backed credit today is structured as a 12-month term loan.
That product makes sense if you're financing something discrete:
– a wedding
– a home renovation
– starting a business
– a major life event
You take a chunk of capital upfront, lock in the term, and deploy it. We see this a lot.
But a 12-month loan doesn’t solve for something much more common: What's the best way for me to live on my bitcoins?
If you're not financing a large one-time expense, taking 12 months of capital all at once can sometimes increase risk.
Because Bitcoin is volatile. If you borrow a large amount upfront and the price drops significantly, your starting LTV might be 50%. Now you're stressing about margin calls, collateral top ups, etc. Many people actually don't use Bitcoin credit products for this exact reason.
If you didn’t need all that capital in the first place because you are just trying to pay normal bills, that’s where a Line of Credit is different and extremely valuabke.
With a Line of Credit, you don’t take 12 months of capital on day one.
You draw what you need, when you need it. You pay interest only on what you draw.
On Strike, it acts as another payment method like a linked bank account. Have a bills to pay? Select your line of credit as your payment method.
Now combine that with:
– Direct Deposit
– Bill Pay
– Buying and saving in bitcoin
Here’s what Strike enables:
You hold some portion of your savings in Bitcoin that you're comfortable with on Strike.
A bill comes in: your mortgage, HOA, utilities, credit card, etc.
Instead of selling Bitcoin (and triggering capital gains), you draw a small amount from your Line of Credit to cover the expense.
If your Bitcoin savings are substantial relative to your monthly expenses, your is not 50%, it's probably closer to 1%.
Completely different risk profile and allowing people to use bitcoin as an active savings account that benefits their everyday life!
Then your paycheck hits via Direct Deposit.
You can:
– Pay down the balance entirely
– Pay it down partially
– Or manage it however you choose
You’re dynamically financing your life against your savings instead of liquidating your savings.
Strike enables you to own more BTC. Accumulate more than you otherwise would and sell less than you'd otherwise have to. That’s how you live on an appreciating asset without constantly selling it.
The 12-month term loan still has its place. It’s a great product for specific use cases.
But a Line of Credit turns Bitcoin from something you occasionally borrow against into something you can build a financial life around.
Direct deposit.
Bill pay.
Buy and hold bitcoin.
Line of credit.
All in one place.
Strike is starting to look like a bank account from the future. This is only the start of what will be a massive 2026 for us. Can't wait to get this to you guys. We are cooking!
#nevent1q…zugz

2026-02-23 21:58:09 CET

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🫂

2026-02-23 18:54:31 CET

🤗
https://blossom.primal.net/366bf2b51f76abe1acde84c983f28d0b946a5168bfff66edea84f551656eebcc.png

2026-02-22 00:00:22 CET

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🙏
if there’s anything we can do to help, let me know

2026-02-21 18:56:46 CET

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❤️

2026-02-21 05:31:35 CET

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2026-02-20 18:23:57 CET

does anyone know where i can watch the old Bitcoin Uncensored shows?
my all time favorite was the Vinay Gupta one. would pay some sats to be able to watch that rn

2026-02-18 01:19:15 CET

https://blossom.primal.net/cd8f4fed63bb5f7bac14220c80ddf4fc8163bacd1b0b4bba24d44b75ab1d3303.jpg

2026-02-17 02:55:17 CET

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because i borrowed money from someone else to lend you the fiat.
i don’t want to own billions of dollars of fiat and lend it out to make petty yields of 6%-12%. i want to own bitcoin.
so if i borrow $100 from someone else and then lend a bitcoiner the $100, if the bitcoiner defaults, i have to pay back the $100 i borrowed… has nothing to do with my conviction.
i am working on a product that removes liquidations entirely but it will be more expensive and its not as easy as people make it sound on the internet

2026-02-17 02:21:48 CET

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🫡

2026-02-17 00:02:01 CET

things are starting to look bad...
jobs revision, delinquencies, white collar confidence, etc.
the japan + AI combo looks lethal. maybe thats what bitcoin is telling us?
going live now
https://www.youtube.com/watch?v=BFt82dw0ci8

2026-02-12 16:45:10 CET

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2026-02-12 03:15:23 CET

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we are working on this

2026-02-12 01:28:52 CET

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super logical. you do what you want either way your property. makes a lot of sense

2026-02-12 01:17:54 CET

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in the screenshot, 72 hours (3 days)

2026-02-12 01:16:26 CET

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genuine question: do people actually believe this?
to state the obvious, my business incentive is to keep the loan open for as long as possible. i get paid servicing my customer.
“taking their bitcoin” onto my balance sheet would be about the dumbest way imaginable for me to acquire bitcoin.
if i want to buy bitcoin at these levels (which i do every day, regardless of price), i buy it with profit.
we don’t lend out cash from our balance sheet because we don’t want to own billions of dollars of fiat. Strike owns as much bitcoin as possible. we lend out fiat that we got from someone else.
when a loan gets liquidated, it’s because i owe that cash back to someone else who gave me fiat. if the customer defaults, i have to sell the bitcoin to get them back the cash.
what do i want? i want bitcoiners to have healthy loans and never sell, forever. i buy bitcoin with the money i earn providing the service…
duh?
#nevent1q…vq3m

2026-02-12 01:00:41 CET

fyi
https://blossom.primal.net/94ce4fdc402cdcba03b231a352680a9942df183e7708665c321445553c3e95c3.png

2026-02-06 02:59:58 CET

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i’ve never met Howard, i’ve never accepted funding from him or Cantor, my only partners on Twenty One are Tether and Softbank.
i’m cool with criticism but I don’t know what to do about the FUD. none of that is true

2026-02-06 01:58:17 CET

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People can say whatever they want.
What they can’t say is we don’t show up, we don’t listen, we don’t bust our ass, and we don’t care.
Keep the feedback coming and let me know how we can help
#nevent1q…jf2d

2026-02-04 02:30:18 CET

i love these moments in bitcoin. where opportunity is born and legacy is made.
remember, words are cheap. the WORDS/BTC exchange rate is and will always be zero.
when the going gets tough, the tough get going. proof of work. let’s fucking go boys 🫡

2026-01-27 01:56:45 CET

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😂💯🤷‍♂️

2026-01-26 23:50:24 CET

bitcoin and the end of globalism
gold, silver, and japan are telling us fiat as we know it is did. we live in the best timeline. what a time to be alive.
also, over the weekend I built a bunch of AI tools that enhance my ability to produce keynotes and express my ideas. this weeks livestream presentation is the quality of when I present at conferences. really cool and really exciting.
going live at the top of the hour. join me, fellow plebs. see you soon.
https://www.youtube.com/live/xJ6fRNHT_KU?si=rH5ktfXTLKiQj3ys

2026-01-23 04:03:54 CET

what is your AI environment?
spending a lot of time on mine recently. shocked at how much it is empowering me and my companies

2026-01-18 23:50:35 CET

war ready
https://blossom.primal.net/af6df27c626e8304fba29bbdd2c6085b45ac2cdaad43e31621d05bbaf5160947.jpg

2026-01-14 03:02:23 CET

The shipping will continue until morale improves
https://blossom.primal.net/f95ee218b435ba6faec8d9d8606988a2cadeb4ff687c657becf3d5c3258465c6.jpg

2026-01-11 05:57:24 CET

🐻⬇️
https://blossom.primal.net/3d4598583b2bc0d7df42da0750106884b5e59fdcba0dcdc35781e4a130fb2f78.jpg

2025-12-19 03:22:56 CET

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what features would you need on a credit card? i still can’t tell if it’s worth building

2025-12-16 00:00:37 CET

the president of the united states is admitting our interest expense is a threat to the American Empire and hinting at Wartime financing.
going live now. get in here!
https://www.youtube.com/live/iHiVFJEKKuc?si=dBDPELyDmFhfp3UA

2025-12-09 00:00:10 CET

going live now from the city where degen hedge fund bros leverage themselves to death and need a bailout over a 3% move.
see you all in a few and at the new york stock exchange in the morning
https://www.youtube.com/live/Nt3TeLmXKWU?si=xdpiRT9JRdBaslZ0

2025-12-05 04:58:40 CET

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🫡

2025-12-05 04:58:26 CET

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miss me with dead cats bouncing 🚫

2025-12-05 04:56:38 CET

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yes, sorry have just been a little more busy recently.
we are working on more EU banking features.
for multiple DCAs, here is a link with more info on our subreddit. are you still not seeing the feature?
https://www.reddit.com/r/strikebtc/s/PNM8V3ecwE

2025-12-02 00:01:07 CET

going live now:
https://www.youtube.com/live/nZX0Rco7-WA?si=u3mjlPCyfazAMma0

2025-11-24 22:45:24 CET

Real. That’s the revolution.
https://blossom.primal.net/97855bf619871658c3f3cf3dfaf846235b5d80ba3215d08e6ff63b6617133dd8.mp4

2025-11-24 21:41:01 CET

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i don’t. i just use Strike

2025-11-23 00:28:52 CET

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yes and yes 👍

2025-11-20 13:44:23 CET

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Are you still having issues? We just opened some channels, should resolve things

2025-11-20 03:49:30 CET

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I mean they’re a $40B company that was founded when I was in high school.
we have made a lot of mistakes certainly, i don’t hide from that. but we are a 5 year old company. hopefully we get there some day 🤷‍♂️

2025-11-15 19:01:53 CET

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great, I love visiting Europe. great culture, great food, kind people.
the west will find its way to the other side of all this. European Bitcoiners are family, I can feel the love and the joint mission when I visit 🇪🇺🧡
#nevent1q…gmx9

2025-08-19 15:25:17 CEST

psa
https://blossom.primal.net/60f0af1ebd55b1ba7eebb482db2a89a74aef34430f909b4f2866e013faa890f8.mp4

2025-08-05 03:58:46 CEST

everything you want is on the other side of hard. easy won’t get you there

2025-07-10 23:32:53 CEST

“Cantor Equity Partners, Inc. and Twenty One Capital, Inc. Announce Filing of Draft Registration Statement on Form S-4 with the SEC”
Tick tock, next block.
Soon™️ :)
https://www.businesswire.com/news/home/20250710890547/en/Cantor-Equity-Partners-Inc.-and-Twenty-One-Capital-Inc.-Announce-Filing-of-Draft-Registration-Statement-on-Form-S-4-with-the-SEC

2025-06-05 05:22:25 CEST

I’m so proud of the Strike team.
Focused. Relentless. Mission-driven.
We build through every bit of feedback, criticism, and even the FUD others spin to promote themselves by attacking us.
For what it’s worth, none of the people accusing us of being criminals, liars, smooth talkers, or any of the other nonsense ever reach out to me directly. Not once. If they genuinely cared, they’d give me a call. But instead, they skip that part and post on Twitter, trying to boost themselves by tearing us down.
That’s not accountability. That's self-promotion dressed up as concern.
I’ve been dealing with this kind of thing for a while now. I’m used to it. But being the leader of some incredible people and watching them work so hard for Bitcoin, sometimes you have to open your nostr client and have their back.
The Strike team is world class. Don't trust all of the nonsense you read. A lot of people's recent marketing strategies are to shit on me and my businesses.
We’re at 1,500 BTC and stacking with every ounce of profits. Not bad for the five-year-old startup that could. That’s a whole lot of proof of work. 🫡
https://blossom.primal.net/a37dd9d0692b57b115895adbe7ebded2fbbbd923e2cc126b2f421b321f5995f8.png

2025-06-05 00:28:40 CEST

Twenty One's Proof of Reserves is live.
Anyone in the world can now audit and verify that we own the #Bitcoin we say we do.
You can’t do this with gold. #Bitcoin is the best money in human history.
At Twenty One, we are bringing #Bitcoin to the capital markets.
https://blossom.primal.net/658f561f7b542ea6af5e809d8a2ce51b6eb1338c285765164db3d456ed26d9cb.mov

2025-06-04 20:08:30 CEST

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Here is the updated agreement (Section 3.K).
✅ We work with partners to facilitate the loan
✅ Your collateral is securely held in segregated wallets with us and partners
✅ Your collateral is NEVER rehypothecated, on-lent, or used in any other way
Our goal is to offer the best possible terms and experience for Bitcoiners. We will continue to iterate with you all based on feedback. Next up, we plan to provide proof-of-reserves based lending.
We work for you, #Bitcoin. Thanks for the feedback.
We want to be the most customer focused company in the world. Built by Bitcoiners, for Bitcoiners.
https://blossom.primal.net/1c24864b9937095389c5d0b485b723b0690aab59408f9339850ee0622afe4b71.jpg
#nevent1q…ltd7

2025-05-16 21:25:51 CEST

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https://blossom.primal.net/92d478ec47ef289fae541ce7ca2700f4947a85faa13e8635c6c4823a99cae666.jpg
nevent1qqs9dy4uueldfv0gmk5gh5qs6jxnhdahte635hcdzdcwyh625lpxsxqkatvke

2025-05-06 17:22:17 CEST

Announcing Strike Lending
You shouldn’t have to sell the best-performing asset in human history to access cash. Now you don't have to.
Access your bitcoin wealth without selling it. Build a better life on top of bitcoin with Strike.
Borrow fiat. HODL bitcoin.
https://youtu.be/PdttkQAZ2BM

2025-04-24 19:05:01 CEST

To be clear, I am the CEO of Strike. I will lead both companies.
At Strike, we will continue building #Bitcoin financial services for the world, making Bitcoin more accessible for all.
Today, we’re sharing some of our financials for the first time:
2024 Volume: $6B+
YOY Growth: 600%
Gross Profit Margin: 85%
Customer Acquisition Cost (CAC): $0
Largest Customer Cohort: $50K-$500K/month
Profitability Statement: We expect to generate 8-9 figures in net profit in 2025 with just ~75 full-time employees
Strike is lean, profitable, and growing.
Strike operates on a #Bitcoin standard. We hold almost all of our balance sheet in #bitcoin and sweep all of our cash flow into our #bitcoin treasury.
We’re just getting started at @Strike 🫡🚀
https://youtu.be/w6FEKDrlLH4

2025-02-04 02:34:49 CET

ran into a venture capitalist’s at an “all white party”
don’t Hollywood elites do these? what’s happening? 🤔🧐
https://m.primal.net/OPLr.jpg

2025-01-25 16:52:52 CET

No one person should be held accountable for the choices another person makes with their body.
Personal responsibility lies at the heart of individual freedom, and any attempt to restore harmony in society must focus on renewing that principle.
#note1vt3…hdc6
https://m.primal.net/NzjK.jpg

2025-01-22 02:49:04 CET

EMERGENCY PRESS CONFERENCE
Ross, the man who taught us all so much about freedom, is finally free.
We launched merch in his honor, with 100% of proceeds going to Ross. $50k sold in the first hour, and we’re just getting started.
Welcome home, Ross. Bitcoiners stand with you!
https://m.primal.net/NtsS.mov