Nostr notes by Bitcredit Protocol

True. Scaling and privacy are not capabilities of the Bitcoin ...

2026-07-31T21:31:03Z

In reply to nevent1q…3cym
_________________________

True. Scaling and privacy are not capabilities of the Bitcoin timechain. But for us, scarcity and transparency are a feature, not a bug.

For a private an sclaable retail money layer, Bitcredit Protocol had to build a novel form of non-custodial e-cash.

It’s now in cautious Beta on mainchain.

It’s precisely not „old“ Technology. The Bitcredit Protocol ...

2026-07-12T09:32:29Z

In reply to nevent1q…zjdz
_________________________

It’s precisely not „old“ Technology.

The Bitcredit Protocol Runs on Bitcoin rails, it needs no Oracle.

Either the payment is verifiable on mainchain, or the e-bill is dishonoured.

Supply chain companies have almost forgotten a great power they ...

2026-07-11T22:14:50Z

Supply chain companies have almost forgotten a great power they once possessed.

Without this old knowledge, Companies now bow to banks for credit and liquidity. Supply chains have become dependent on fiat money and pay dearly for the privilege. And too often, bank credit is denied. Producers stagnate, wither, or even fail.

But merchants once held the power over their own destiny. Because supply chains can run on self-liquidating credit that requires no bank.

Bitcoin, through Bitcredit Protocol, can restore your company's power.

Sellers can again extend terms directly to creditworthy buyers without sacrificing capital or liquidity. No bank can act as gatekeeper, deciding which trades may happen or not.

Merchants can become sovereign again.
With #Bitcoin.
Learn more: www.bit.cr

At @nprofile…py4c @nprofile…z838 presented the plan how ...

2026-07-10T07:41:09Z

At BTCPrague (nprofile…py4c) hubertusVIE (nprofile…z838) presented the plan how #Bitcoin can monetise. It need two to tango: fixed supply money and elastic supply of commercial credit.

If you are a bitcoiner and work in the supply chains for real goods, Bitcoin needs you now.

It is buying and selling on trade terms that will stabilise #Bitcoin.

Too few know this.

In the supply chains, electronic bills of exchange eliminate the ...

2026-07-09T07:30:22Z

In the supply chains, electronic bills of exchange eliminate the need for physical document handling, speeding up transactions and reducing administrative burdens.

E-bills on Bitcoin rails are a perfect combination, 100% digital and direct.

Tired of the fiat system blocking real business growth with ...

2026-06-21T01:20:30Z

Tired of the fiat system blocking real business growth with debanking, credit restrictions, cumbersome payments, bureaucracy, and fiat uncertainty?

Drawing from free banking principles (but without banks) and Adam Smith's real bills concepts, Bitcredit solves the most dire working capital needs in the poorest countries for the most disadvantaged businesses. On Bitcoin rails.

Central planners and fiat/surveillance systems cannot.

Bitcredit Protocol is bringing honest trade finance back: peer-to-peer electronic bills of exchange built directly on Bitcoin. No intermediaries, no permission, censorship-proof.

Suppliers get faster liquidity, buyers get better terms. Trade and production can flow and expand instead of being throttled by increasingly dysfunctional fiat banking rules.

Trade needs this. Bitcoin’s destiny is not just digital gold in a cold wallet. It can be a fantastic foundation for everyday trade and wage funds. Sooner than you think.

Bitcredit Protocol (Beta) is flipping its switches to "On". eBill is coming online, eCash will follow in a few days.

For who? Business owners, Traders, CFOs, Treasurers:
Is your business constrained by the fiat framework? Reach out and explore the new possibilities together.

…. And non-custodial e-cash brings a key quality of a money to ...

2026-06-01T21:56:35Z

In reply to nevent1q…678z
_________________________

…. And non-custodial e-cash brings a key quality of a money to the digital world:
Self-sovereign, private Bitcoin transactions for individuals.

Yes, and this is to be expected, Austrian Economics tells us the ...

2026-05-10T10:03:08Z

In reply to nevent1q…6juq
_________________________

Yes, and this is to be expected, Austrian Economics tells us the reason: Bitcoin needs a credit layer for the real economy.

Bitcoin must enter the global supply chains.

Tomorrow, CEOs and CFOs of Bitcoin Treasury Companies can learn ...

2026-05-10T08:57:43Z

Tomorrow, CEOs and CFOs of Bitcoin Treasury Companies can learn about four new ways to deploy idle #bitcoin on their balance sheets.

@HubertusVIE will demo the free open source Bitcredit Protocol at the Madrid Bitcoin Summit 2026 in 🇪🇸.

Join the session at 10:20am. Language is English 🇬🇧.

PS: It's the organiser's first Bitcoin conference.
Repost to give them some juice:

https://madbitcoinsummit.com

Reads a bit AI-y but good progress.

2026-05-08T09:22:24Z

In reply to nevent1q…vvx9
_________________________

Reads a bit AI-y but good progress.

Allow us some shame-less self-shilling: The Bitcredit Project has ...

2026-05-07T21:45:05Z

In reply to nevent1q…kn8h
_________________________

Allow us some shame-less self-shilling:

The Bitcredit Project has been working hard for three years to realise the real goal. It's getting closer. Expect a cautious soft launch with small sats later in May, while the new mint network is hardening.

Schiff and Stolfi will soon realise their mistake.

The Fiat System as dominated by nationalised, politicised central ...

2026-05-07T21:35:48Z

The Fiat System as dominated by nationalised, politicised central banks is destroying itself.

Exports decline significantly (-35%) when local banks lose correspondent network access due to ever more politicised regulations for victimless 'crime'. This is followed by workforce layoffs and unemployment. The poorest countries are most affected.

#Bitcoin fixes this and #Bitcredit is how.

Let's get it launched!

Job available for Excellent UX/UI Designer. Pays in Bitcoin. ...

2026-05-07T09:57:38Z

Job available for Excellent UX/UI Designer. Pays in Bitcoin.

https://bitcoinerjobs.com/job/2198694-uxui-designer-europe-based-bitcredit-protocol

With the Bitcredit Protocol close to launch, #Bitcoin is suddenly ...

2026-05-03T21:57:00Z

With the Bitcredit Protocol close to launch, #Bitcoin is suddenly of interest for global corporations.

Our Founder, Hubertus Hofkirchner, "the Austrian", has been invited to give a keynote at the @PWC Treasury Conference Zurich.

He will talk about what almost nobody in Corporate Finance dares to ask:
Why is Treasury becoming ever more complex?
Whom is this good for?

Why are banks, supply chains, and corporate treasurers facing ever more FX chaos, compliance burden, systemic fragility, risk-off, and even debanking?

Our thesis:
Over the last 100 years, money has become political, nationalised, monopolised, permissioned, fragile, surveilled, all in the name of propping up a failing, politically captured monetary system.

But new technology gives us a glimpse of a way out of this mess.

https://www.pwc.ch/en/events/treasury-conference-2026.html

Mistaken objections vs. a credit layer on #Bitcoin. A thread ...

2026-04-26T13:22:48Z

Mistaken objections vs. a credit layer on #Bitcoin.

A thread 🧵.

1. The Deflation Argument
2. The Centralisation Argument
3. The Equity vs. Debt Argument
4. The Store of Value Argument

1. The Deflation Argument

Critics of an elastic supply often conflate falling prices driven by technological progress with destructive monetary deflation.

While falling prices due to productivity are indeed a positive sign, true monetary deflation, a scarcity of media of exchange, is catastrophic.

When businesses face a liquidity crisis, trade and industry grind to a halt, and goods rot on the fields and on inventory because there is no media to facilitate their exchange.

Deflation is not an aggregate problem, it is the individual business problem of not finding liquidity when and where it is needed.

2. The Centralisation Argument

The concern that credit money introduces centralisation is mitigated by fundamental design. The Bitcredit Protocol is entirely open-source, permissionless, and peer-to-peer.

Anyone can download the software to issue electronic bills of exchange (e-bills) or spin up a "Wildcat" mint to compete in a free market for liquidity.

Because the system relies on non-custodial e-cash and mathematically verifiable proof of real value, it prevents the state from monopolising or co-opting the credit system.

Therefore, it presents no more centralisation risk than Bitcoin’s own network of nodes, miners, and institutional holders.

3. The Equity vs. Debt Argument

The idea that the economy can run smoothly on equity alone ignores the fundamental mechanics of global trade.

There is always a time gap between planting crops or manufacturing goods and selling them to the final consumer.

Bills of exchange represent debt tied to actual "proof of work" in the real economy, goods already produced that serve as backing for self-liquidating credit.

Bills are therefore indispensable for providing the working capital that businesses need to survive and scale.

4. The Store of Value Argument

If Bitcoin remains merely a store of value or a "pristine collateral" for fiat loans, it fails to achieve its true potential.

Without a credit money layer, businesses cannot run their daily operations on Bitcoin, and the global economy remains trapped in the fiat system.

This forces society to continue suffering from fiat's inherent flaws: inflation, boom-and-bust cycles, misallocation of capital, and the looming dystopian threat of Central Bank Digital Currencies (CBDCs).

Bitcoin must evolve into a functional currency to sever the world's reliance on fiat on-ramps and off-ramps.

The Case for A Bitcoin Currency Layer

A fixed base money (like physical gold or base-layer Bitcoin) is essential for monetary stability, but it must be paired with an elastic currency supply to grease the wheels of commerce.

Without an instrument like Bitcredit to bridge the gap between Bitcoin's rigid base layer and the real world's fluctuating demand for liquidity, Bitcoin adoption by businesses is impossible.

Therefore, decentralised, supply chain-backed credit money is not a compromise of Bitcoin's principles, but an economic necessity for it to succeed globally as a medium of exchange.

WANTED! BITCOIN BUSINESSES 💪 Bitcredit Protocol is currently ...

2026-04-25T12:16:16Z

WANTED!

BITCOIN BUSINESSES 💪

Bitcredit Protocol is currently in Alpha on TestNet3, trialling with supply chain companies in coffee, cacao, wine, meat and timber.

We are looking for 10 or 20 more SMEs with a bitcoiner owner, CEO, or CFO. Onboard and trial your use case on circular Bitcoin.

Beta starts on mainnet in May.

Next chance to at MADbitcoin in Madrid. Meet us there.

Gracias! Likewise, look forward to seeing you there.

2026-04-20T15:32:43Z

In reply to nevent1q…xd2d
_________________________

Gracias!
Likewise, look forward to seeing you there.

Three weeks until Hubertus takes the Metrópolis Stage at ...

2026-04-20T13:35:49Z

Three weeks until Hubertus takes the Metrópolis Stage at MadBitcoin Summit.

His topic: "How to get to Bitcoin Monetisation Through Trade Credit on Bitcoin Rails."

Hubertus will discuss how trade credit, structured on Bitcoin rails, puts BTC to work in the real economy without custodial risk or fiat intermediaries.

If you're building a treasury strategy, sitting on a corporate balance sheet, or running a business that needs working capital without the usual banking bottlenecks, come along.

📍 Madrid, Círculo de Bellas Artes
📅 9–12 May 2026
🎫 madbitcoinsummit.com

Come say hello at the Bitcredit booth.

#Bitcoin #TradeFinance #MadBitcoin2026 #Bitcredit

The Bitcredit Protocol project is working on this. Already ...

2026-04-18T11:51:33Z

In reply to nevent1q…ypzc
_________________________

The Bitcredit Protocol project is working on this. Already trialling on Bitcoin Testnet.
https://testnet.minibills.tech (temporary link for alpha)

Important: It was not gold “backing” the debt, the real goods ...

2026-04-16T11:05:11Z

In reply to nevent1q…jucj
_________________________

Important:
It was not gold “backing” the debt, the real goods paid with the bill back the debt economically.

After the goods were sold, the bill ‘self-liquidated’ into gold.

Bitcredit Protocol versus: Lightning: - Lightning = payment ...

2026-04-09T07:53:12Z

Bitcredit Protocol versus:

Lightning:
- Lightning = payment scaling
- Bitcredit = liquidity scaling

DeFi:
- DeFi = overcollateralised crypto lending
- Bitcredit = credit money backed by real goods

Stablecoins:
- Stablecoin = centralised fiat-backed IOU
- Bitcredit = P2P self-liquidating IOU

Credit money for currency, must never be issued against national ...

2026-03-20T20:59:26Z

Credit money for currency, must never be issued against national debt.

There is no production, no goods, no proof-of-work, backing such issuance.

It is clandestine theft.

quoting
nevent1q…lwle
It doesn't surprise me that the politicking for the foundation of the Bank of England in 1694, was to be kept from the public eye.

To my knowledge, this pamphlet from 1665 A.D. is the first proposal ever for currency out of the thin air of budget deficits. Then they waited for a war ...

306 years later, Nixon finally ended the international gold standard. Gold specie disappears.

Week 12/26 @Bitcredit • Unique payment addresses per ...

2026-03-20T16:12:29Z

Week 12/26 @Bitcredit
• Unique payment addresses per transaction/stage
• Offline-first live, auto retry + sync
• CDK removal nearing completion
• eCash progress:
Spanish, Multicurrency, PIN + biometrics, deep links

The fiat money system is cracking at its seams. The latest Middle ...

2026-03-19T08:54:32Z

The fiat money system is cracking at its seams. The latest Middle East conflict worsens its so-called "Trade Finance Gap" which already amounted to $2.5T before the war.

This speeds up the urgent need for Bitcoin in World Trade, geopolitically neutral, resilient, non-bureaucratic Trade Finance on unstoppable#Bitcoin rails.

Overregulated fiat banks may still support big traders but smaller and middle sized ones will fall by the wayside.

“If you’re a bank in this environment, you’re going to focus on those large established traders, and the intermediate and smaller traders could be iced out of the trade finance market,” says Sumeet Malhotra, Head of the Commodities and International Trade practice at Singapore law firm WFW.

Full article:
https://www.gtreview.com/news/global/hormuz-crisis-could-drive-flight-to-quality-in-commodity-finance-market/

“In particular, it is necessary to take account of certain ...

2026-03-18T00:47:57Z

“In particular, it is necessary to take account of certain forms of credit not connected with banks which help, as is commonly said, to economize money, or to do the work for which, if they did not exist, money in the narrower sense of the word would be required.

The criterion by which we may distinguish these circulating credits from other forms of credit which do not act as substitutes for money is that they give to somebody the means of purchasing goods without at the same time diminishing the money-spending power of somebody else.

This is most obviously the case when the creditor receives a bill of exchange.”

Prices and Production
F.A. Hayek

Thank you, much appreciated.

2026-03-13T14:39:44Z

In reply to nevent1q…0yl4
_________________________

Thank you, much appreciated.

Global trade all over Africa has a big challenge in availability ...

2026-03-13T14:23:53Z

Global trade all over Africa has a big challenge in availability of trade finance for businesses under $5M.

Bureaucracy of financial intermediaries, refi cost for central bank monopoly money and legal fees is just too much for African SMEs.

Trade Finance on #Bitcoin fixes this!

Bitcredit Protocol concluded a successful two day conference ...

2026-03-13T14:22:19Z

Bitcredit Protocol concluded a successful two day conference appearance in Cape Town. We onboarded 35 commodity traders, import/export companies, and real goods producers to Bitcoin.

Bitcoin credit mints (wildcats) are nodes. What a relief. 😅

2026-03-13T14:21:40Z

In reply to nevent1q…xx05
_________________________

Bitcoin credit mints (wildcats) are nodes.
What a relief. 😅

Bitcredit Protocol orange-pilled 25 companies in Cape Town, South ...

2026-03-12T14:46:01Z

Bitcredit Protocol orange-pilled 25 companies in Cape Town, South Africa today.

Week 10 @ Bitcredit • eBill v0.5.3 released with Wildcat ...

2026-03-09T14:25:16Z

Week 10 @ Bitcredit

• eBill v0.5.3 released with Wildcat compatibility fixes
• New eBill API simplifies front-end logic and bill state
• First true offline bill issuance implemented
• Mint commitment scheme for non-custodial e-cash
• Wallet upgrades: NFC + biometrics live

Political self-sovereignty is one of the key design ...

2026-03-06T08:24:39Z

Political self-sovereignty is one of the key design considerations for Bitcredit Protocol, #Bitcoin's upcoming currency layer.

Bitcoin will be a true stablecoin, if we manage to keep governments and politicians strictly out of it.

Why?

A stable currency needs a pristine base money which governments cannot capture and spoil. That's Bitcoin.

It also needs an institutional layer issuing redeemable currency, equally incorruptible by politicians.

The best policies and practices will arise in free competition amongst issuers.

We must end governments messing with money production.

Par-time or full-time position available for App UX/UI Designer. ...

2026-03-03T08:38:57Z

Par-time or full-time position available for App UX/UI Designer.

Europe based Candidates preferred.

https://bitcoinerjobs.com/job/2198694-uxui-designer-europe-based-bitcredit-protocol

Week 9/26 progress @ Bitcredit Protocol • eBill v0.5.11 alpha ...

2026-02-27T15:54:46Z

Week 9/26 progress @ Bitcredit Protocol

• eBill v0.5.11 alpha Wallet v0.8.1 alpha released (Testnet)
• Nostr Relay logs + auto-reconnect
• Company statechain validation formalized
• CDK removal underway → independent version
• Betas now detect malicious alpha behaviour
• Biometrics active in wallet
• Automated Android + iOS build workflows completed

Bitcredit Project has an opening for an experienced UX/UI ...

2026-02-27T12:45:02Z

Bitcredit Project has an opening for an experienced UX/UI designer for mobile apps.
https://bitcoinerjobs.com/job/2198694-uxui-designer

True, in the fiat world. In Bitcoin, we are working to simplify ...

2026-02-22T09:38:31Z

In reply to nevent1q…nxpk
_________________________

True, in the fiat world.

In Bitcoin, we are working to simplify and remove TTPs. They will now be needed for payments.

Week 8 @ Bitcredit Protocol 1. Wildcat: Strategic transition to ...

2026-02-22T09:22:47Z

Week 8 @ Bitcredit Protocol

1. Wildcat: Strategic transition to an independent Neo-Chaumian Bitcoin mint implementation for easier integration of non-custodial mechanisms
2. New mint process UX design ready: faster, fewer screens & clicks
3. Wallet: Biometrics, NFC, and multi-currency display integration in progress
4. Refactoring week completed and test coverage significantly increased

#Bitcoin adoption can do great things for Trade Finance. ...

2026-02-18T18:19:30Z

#Bitcoin adoption can do great things for Trade Finance.

Week 7 2026 @ Bitcredit • Major improvements to Nostr message ...

2026-02-14T08:31:51Z

Week 7 2026 @ Bitcredit
• Major improvements to Nostr message reliability for eBill state and consensus handling
• Improved Wildcat intermint signature tracking, and protocol checks
• Continued Clowder robustness upgrades
• Implemented keyset lifecycle enforcement, strengthening eCash integrity
• New PDF eBill rendering underway, downloadable, printable
• Separate stable and development clowder environments now live for safer iterations

Bitcredit Protocol is unique in bridging Bitcoin's unyielding ...

2026-02-07T18:51:56Z

Bitcredit Protocol is unique in bridging Bitcoin's unyielding hardness (fixed 21M supply) with real-world elastic credit money, without ever touching fiat ramps, banks, or custodians.

It is built as a valid stand-alone alternative to the fiat money system, actually aspires to replace it, end it.

Businesses issue electronic bills of exchange backed by actual good produced evidenced by verified invoices for delivered value, wildcat mints validate & split them into private, instant, fungible bitcredit currencyfor P2P payments.

Everything self-liquidates at maturity, redeems 1:1 in sats on Bitcoin mainchain.

No new base money is created, no inflation is possible. Only temporary, production-tied expansion that contracts naturally with the flow of trade.

This revives time-proven private bills of exchange on Bitcoin’s unstoppable monetary rails, making Bitcoin usable as everyday money for trade, import/export, and working capital, initially in high-inflation, underbanked or bankless zones.

Unlike collateralised loans (fiat traps) or stablecoins (fiat shadows), Bitcredit Protocol enables competitive Wildcat mints to create genuine Bitcoin-denominated M1 currency.

It lives inside the robust Bitcoin economy: market-set competitive minting fees, non-custodial. Austrian-inspired free-banking discipline, and Nostr-powered censorship resistance.

Bitcoin volatility dampens as real production scales a breathing credit superstructure, purchasing power stabilizes then gently rises with productivity growth.

It is not another DeFi wrapper, no shitcoin but the missing layer for Bitcoin to function as sound, sovereign money for the real economy.

It proudly follows the Bitcoin Ethos:

Free markets, free software, permissionless, private, and open source.
#Bitcoin #FreeMinting #Bitcredit

#1. „Austrian economists theorize but cannot build.“ Needs ...

2026-02-07T11:32:46Z

In reply to nevent1q…v36k
_________________________

#1.
„Austrian economists theorize but cannot build.“
Needs nuance. Overlap is rare but does exist.

Week 6 2026 Project Update ===================== • Android APK ...

2026-02-07T11:19:05Z

Week 6 2026 Project Update
=====================

• Android APK released with MVP payment flows, QR generation for large payments fixed
• Backend robustness upgrades: atomic accounting, optimized Clowder storage, finished two-phase flow to handle mint failover
• Wildcat dashboard and wallet integrated redemption of credit to debit sats
• Bill of exchange print design finalized in dark mode and light mode

Any Bitcoiners in South Africa who are involved in Import / ...

2026-02-05T22:12:36Z

Any Bitcoiners in South Africa who are involved in Import / Export?

Brothers, please RT for reach.

Grit. #nevent1q…wu8z

2026-02-03T21:26:53Z

Grit.

quoting
nevent1q…wu8z
Building a decentralised open peer-to-peer system (i.e. Bitcredit Protocol) in a complex field like a monetary economics is quite exhausting.

Even with a stellar team.

But centralised would be totally futile. It would soon be turned into just another fiat money.

So we slog on towards Beta.

Yes, kind of, but then also not. The Real Bill Doctrine in its ...

2026-02-03T08:32:29Z

In reply to nevent1q…3gsa
_________________________

Yes, kind of, but then also not.

The Real Bill Doctrine in its historic form is partially correct but also has some serious flaws, as Austrian Economists have for a century criticised.

E.g. conflation of present with future money as evidenced by bank runs and sniping.

The Bitcredit Protocol addresses all our criticisms.

Bitcredit Protocol FAQ: Why are Bitcredit mints ...

2026-02-02T23:51:53Z

Bitcredit Protocol FAQ:
Why are Bitcredit mints ("Wildcats") limited to minting only real commercial bills of exchange?

Answer in 10 steps:

a) Creation.
1. The goods sold by one business to another represent a real saving.
2. These goods serve for production, not consumption.
3. The bill of exchange represents their value in trade.
4. Currency minted from such a bill is backed by this value.

b). Circulation
5. Companies can pay workers and suppliers with such currency.
6. People and businesses then buy goods with currency.
7. Currency ultimately pays for the issued bills of exchange.

c. Redemption.
8. When the bill is redeemed in Bitcoin, both the bill and its minted currency are extinguished.
9. Bitcoin passes to another hand, but the quantity of Bitcoin stays the same.
10. The quantity of Bitcoin remains fixed at 21 million.

==> No inflation.

Week 5/2026 progress update: 1. Offline intermint exchange fixed, ...

2026-02-02T23:50:50Z

Week 5/2026 progress update:

1. Offline intermint exchange fixed, offline payments work, and wallet remains usable even when mints or internet are unavailable (some limitations)

2. Bitcredit Wallet reached MVP status: create & restore wallets, QR payments, invoices, redemption, on-chain minting and melting demonstrated

3. End-to-end system integrated: eBills, Wildcat, Clowder, eCash Wallet operating together

4. Dashboard and e-bill UX improvements, including bill structure, stati, and admin

5. Clowder prototype deployments hardened, can be run and tested locally

Have you tried the latest Bitcredit Protocol reference client ...

2026-02-01T23:21:24Z

Have you tried the latest Bitcredit Protocol reference client Beta yet?

https://testnet.minibill.tech

Get yourself some Testnet3 sats from a faucet and play with it.

Bitcredit Protocol 101 ================== Bitcoin today is like ...

2026-02-01T23:19:47Z

Bitcredit Protocol 101
==================

Bitcoin today is like digital gold.

Its fixed supply is suitable for savings, but not (yet) for everyday money…

1. because its exchange value swings wildly

2. because Bitcoin demand changes rapidly while supply does not.

Bitcredit Solution
==============

Bitcredit lets real businesses create temporary "Bitcoin credits" backed by real goods they produce.

People can spend credits like Satoshis, right away. Credits redeem at maturity in actual Bitcoin on mainchain.

Functionally for payments, for earning and spending, these credits are as good as (digital) gold, as Bitcoin.

Even better in some ways: faster than Lightning, offers pretty good privacy, and costs zero transaction fees.

Stability for Bitcoin
===============

As more trade and production happens this way, the effective money supply auto-adjusts to match the quantity of money needed.

This dampens volatility, a growing credit superstructure makes Bitcoin's exchange value, its purchasing power, more and more stable.

The Bitcoin Difference
==================

Physical gold and pre-fiat banknotes worked historically in this natural, free market fashion…

… before central banks took over and captured gold politically for national strategic gold reserves.

The bad ending for gold is history. Non-custodial Bitcoin can maybe avoid this fate.

Millions of small farmers in developing countries are not poor ...

2026-01-26T22:31:02Z

Millions of small farmers in developing countries are not poor because they lack skill or demand.

They are poor because the fiat system blocks them from turning their produce into liquidity, locking up their capital.

#Bitcoin can fix this with Bitcredit Protocol.

Week 4/2026 Update: 🥳 Hooray! 🥳 Bitcredit core team has ...

2026-01-23T16:35:17Z

Week 4/2026 Update:

🥳 Hooray! 🥳

Bitcredit core team has finished raw MVP versions of all three elements needed for the Bitcredit Protocol stack:
– eBills
– Wildcat Mint (and dashboard)
– Minibill Wallet

Further progress:
- Validated main protocol flows
– Successfully tested online and offline Wildcat intermint exchange on Bitcoin Testnet3
– Wallet now supports create/restore, payment requests, QR payments, and redemption
– Improved Wildcat dashboard consistency: e-bill details and auto-update behaviour

Sure, always verify. Here is a recent Podcast talking about why ...

2026-01-23T16:32:26Z

In reply to nevent1q…qay7
_________________________

Sure, always verify.
Here is a recent Podcast talking about why Bitcoin credit money is needed (BTW; not just credit! Credit money, currency) and equally important, how it’s done right:
https://t.co/aEfbFiqQTI

🥳 Hooray! 🥳 – Bitcredit core team has finished raw ...

2026-01-23T16:17:23Z

🥳 Hooray! 🥳
– Bitcredit core team has finished raw versions of the Bitcredit Protocol MVP stack: eBills, Wildcat Mint, Minibill Wallet.

Further progress:
- Validated core protocol flows
– Successfully tested online and offline Wildcat intermint exchange on Bitcoin Testnet3
– Wallet now supports create/restore, payment requests, QR payments, and redemption
– Improved Wildcat dashboard consistency: e-bill details and auto-update behaviour

Bitcredit Project Week 3 Update: – Successfully demonstrated ...

2026-01-16T17:29:12Z

Bitcredit Project Week 3 Update:
– Successfully demonstrated Bitcoin credit minting and melting onchain on Bitcoin Testnet3
– First multi-mint Wildcat Clowder is up, enabling fully decentralised operation
– Wildcat dashboard flows are nearly complete, unlocking full end-to-end demos

We cannot sustainably earn #Bitcoin and spend #Bitcoin while the ...

2026-01-06T08:33:29Z

We cannot sustainably earn #Bitcoin and spend #Bitcoin while the real economy stays on foul fiat currency.

But how?

Orange pilling merchants to accept Bitcoin is one.

Hard.

But the regional Bitcoin Economies pushed by fired-up enthusiasts show that it can be done. Follow FBCE (nprofile…qdpa) to see the progress.

Now we also must orange pill 💊 the global supply chains. Make Bitcoin economies truly circular, bring them into international trade.

That's even harder.

But at Bitcredit Protocol we believe it can be done.

Why?

Because it must be done.

If you like near impossible tasks, join us. We will celebrate every single win.

Hi! It is a community project so feel free to join the TG group ...

2026-01-04T19:29:39Z

In reply to nevent1q…sz5a
_________________________

Hi!
It is a community project so feel free to join the TG group @Bitcredit_community to find out more.

The wholesale part (Bitcredit eBills) is already open, the retail parts (Bitcredit Wildcat, Bitcredit eCash) will be opened upon main-chain launch.

https://github.com/orgs/BitcreditProtocol/projects?query=is%3Aopen

1. Yes. 2. No. 3. Full Whitepaper will be published upon ...

2026-01-04T19:11:33Z

In reply to nevent1q…xwxy
_________________________

1. Yes.
2. No.
3. Full Whitepaper will be published upon mainchain launch.

Bitcredit Protocol is a free, open source community project. We ...

2026-01-04T18:55:06Z

Bitcredit Protocol is a free, open source community project.

We are Bitcoin maximalists in the original sense and follow Austrian Economics principles.

Anybody was and is welcome to join and contribute.

1. Yes, but modified to comply with Austrian Economics ...

2026-01-04T18:49:30Z

In reply to nevent1q…4s7r
_________________________

1. Yes, but modified to comply with Austrian Economics principles.

2. The wholesale e-bills sit on Nostr, the retail currency format is a novel form of non-custodial e-cash.

3. Yes, but not "discount". Mint. We will explain more upon mainchain launch.

4. Not free banking in Selgin's sense. In Bitcoin/Bitcredit we want banks strictly only as intermediaries of 100% money, not as fractional-reserve issuers.

Regarding Max’s article below: Why is it so important that ...

2026-01-04T18:03:12Z

Regarding Max’s article below:

Why is it so important that Bitcoin credit can bootstrap even where nobody has bitcoin, yet?

Remember the Greek Euro crisis of 2015, or the Cyprus haircut of 2013, or the Lebanese Central Bank Fraud of 2019.

In a monetary crisis, our powerful fiat enemies will simply declare bank holidays. Without access to bank accounts, nobody can “buy bitcoin”. This is a crucial problem, because in a fiat crisis is the best moment to switch to Bitcoin.

So here is the solution:

Even in a crisis, businesses still have access to their goods for sale, they actually must sell them before they spoil.

By selling on credit, they can create raw credit money, bills of exchange, which the Bitcredit Network of independent Wildcats can mint into fungible, divisible, and secure Bitcoin credits. Everyday people, workers, can get paid and can spend, the switch to Bitcoin is possible.

This is how we can kickstart Bitcoin economy in a fiat crisis.

quoting
nevent1q…chht
Sound money advocates assume you need coin before commerce. But Lancashire built the Industrial Revolution on bills of exchange before accumulating gold, and Colonial America ran a sophisticated economy while chronically short of specie. The credit came first; the base money followed through export revenues. Understanding this pattern reveals how Bitcoin economies might bootstrap themselves.
naddr1qq…kj6p

Correct, and this is important. Let’s analyse Ludwig Mises’s ...

2026-01-04T17:52:07Z

In reply to nevent1q…ftv3
_________________________

Correct, and this is important.

Let’s analyse Ludwig Mises’s writing:

“…before the development of the bank-of-issue system, especially in England, bills circulated to a greater extent than afterward; that in Lancashire, for example, until the opening of a branch of the Bank of England in Manchester, nine-tenths of the total payments were made in bills and only one-tenth in money or banknotes.”

Note that with “money” Mises means gold. In Bitcredit Protocol (nprofile…75fj), the base money is Bitcoin, not gold.

Payments can be made in e-bills, although Wildcat mints will reissue them fungible and dividable as non-custodial e-cash.

There will be no banknotes, the Bitcredit mechanism works with verifiably 100% backed and over-collateralised e-cash, denominated in #Bitcoin.

PS: We expect earlier, voluntary exchange of Bitcoin credits into ...

2026-01-04T11:30:19Z

In reply to nevent1q…e67m
_________________________

PS: We expect earlier, voluntary exchange of Bitcoin credits into Bitcoin base money usually at par, for a small fee.

Note that during a liquidity crunch free market exchange rates may diverge.

Despite our best effort to apply sound, strictly free market based Austrian Economics, such divergence would be indicative of a problem or mistake somewhere in the protocol.

This will then need some fix to the protocol. We will find out after launch. Be careful in the initial period while we all learn.

The 10 Rules of Bitcredit Protocol (which Wildcat mints must ...

2026-01-04T11:26:54Z

The 10 Rules of Bitcredit Protocol

(which Wildcat mints must adhere to):

1. Proof-of-work: Only commercial e-bills for goods already produced, invoiced to other businesses, qualify for minting of Bitcoin credits (MoE).

2. Verifiable terms: E-bill maturity must match expected reflux from buyers, and no more than 12 months.

3. Verifiable prices: Invoice prices must be plausible.

4. Bitcoin rails: Payment is in Bitcoin, irrespective of e-bill denomination.

5. Verifiable redemption: Upon maturity, e-bills must be verifiably paid via Bitcoin mainchain or Lightning Network.

6. Non-custodial: Not your keys? Not your coins, nor your credits.

7. Privacy by default: Fungibility of credits through bearer instruments and censorship resistance.

8. Decentralisation: Wildcat mints in the Bitcredit Network compete independently under peer supervision.

9. Game theory: A clowder majority can eliminate rabid wildcats through punishment transactions.

10. Future money: No contractual convertibility before maturity.

Are you a Bitcoiner? Experience in B2B marketing? Here’s a role ...

2026-01-03T15:48:21Z

Are you a Bitcoiner?
Experience in B2B marketing?

Here’s a role for you.

https://bitcoinerjobs.com/job/2069019-marketing-lead-b2b-bitcoin-native-bitcredit-protocol

Bitcredit Protocol will stabilise Bitcoin. It will be a real ...

2026-01-02T09:03:20Z

Bitcredit Protocol will stabilise Bitcoin.
It will be a real "stable" coin,
not a fiat fake "stablecoin".

Without an issuer,
without a central bank,
without volatility,
without debasement,
without censorship,
without interest.

Just free market mechanism.

One correct point you have, one is inaccurate. We confirm that ...

2025-12-30T19:42:41Z

In reply to nevent1q…x089
_________________________

One correct point you have, one is inaccurate.

We confirm that the Bank of England had already weaseled itself into the bill discounting business by 1912.

But Scottish free banking routinely discounted bills of exchange denominated in their own banknotes, even while the Bank of England held a monopoly on note issue in England.

So, the article here has a small error but the principle is correct.

However, it is completely wrong that the extension of credit (more precisely the creation of credit money backed by the proof-of-work of goods sold) "broke the last hard money."

The OP article correctly states that it was governments and central banks, statist forces, which broke hard money.

Politicians perverted the sound commercial practice of commercial bill discounting to be replaced by Fiat money creation against unsound, unfettered government debt.

Sorry everyone, we having some technical problem with Twitter ...

2025-12-11T16:18:40Z

Sorry everyone, we having some technical problem with Twitter Spaces.

They keep breaking up.

We will announce a better format for our next call, likely on Jitsi.

Bitcredit Community call starting in 2 hours. If you want Bitcoin ...

2025-12-11T14:09:07Z

Bitcredit Community call starting in 2 hours.
If you want Bitcoin to monetise, then join the initiative.

quoting
nevent1q…2vux
Save the date for the upcoming Bitcredit Space. Learn:
— How Bitcoin can finance a real-world steel trade through Bitcredit Protocol.
— How an peer-to-peer e-bill turns into e-cash. Instant liquidity, zero bureaucracy.
– Q&A.
– How to join the community and bring Bitcoin into the real economy.
https://x.com/i/spaces/1dRKZaebDDXxB/peek

Save the date for the upcoming Bitcredit Space. Learn: — How ...

2025-12-02T09:04:46Z

Save the date for the upcoming Bitcredit Space. Learn:
— How Bitcoin can finance a real-world steel trade through Bitcredit Protocol.
— How an peer-to-peer e-bill turns into e-cash. Instant liquidity, zero bureaucracy.
– Q&A.
– How to join the community and bring Bitcoin into the real economy.
https://x.com/i/spaces/1dRKZaebDDXxB/peek

Orange pilling merchants is hard, but important work. Without ...

2025-11-30T11:06:05Z

In reply to nevent1q…lsrg
_________________________

Orange pilling merchants is hard, but important work. Without acceptance, Bitcoin cannot win.
Now we also need to get production on Bitcoin rails. Without production, Bitcoin cannot win.

Bitcredit Protocol continues to tighten eBill towards Beta and ...

2025-11-30T10:54:41Z

Bitcredit Protocol continues to tighten eBill towards Beta and progressing the eCash stacks towards MVP Alpha.
– Finished email-based verification of electronic signatures for eBill.
– Progressed self-sovereign eBill counterparty contact sharing.
– Advanced the mobile wallet payment flow and transaction list.
– Deployed a Wildcat instance for upcoming dev and Alpha testing.
- PWA decided insufficient for Wallet due to Apple walled garden blocking NFC and biometrics.
– Now preparing native app store setup.

Bitcredit gave a well-received talk yesterday for the "Future ...

2025-11-28T13:20:40Z

Bitcredit gave a well-received talk yesterday for the "Future Forward" innovation festival at #WeXelerate in Vienna.

Topic:
The unpredictable and opaque traditional banking system and the promise of #Bitcoin.

People think money in a bank account is “theirs”. But it is not. A bank can freeze "your" money at any time, delay transfers, debank you, or block "your" funds, just like that, without giving any reason, let alone a valid one.

#Bitcoin fixes this.

Bitcoin’s volatility is due to the fact that it is not yet used ...

2025-11-25T16:18:06Z

Bitcoin’s volatility is due to the fact that it is not yet used in global trade.

Once it becomes part of the real economy, Bitcoin will be the ultimate stablecoin.

The way to achieve this is by enabling Bitcoin based supply chain finance.

Join Bitcredit at Bitcoin MENA 2025 to learn more.

Please read carefully! The Bitcredit Protocol is often confused ...

2025-11-23T15:09:22Z

Please read carefully!

The Bitcredit Protocol is often confused with companies that offer Bitcoin-collateralised fiat loans.

They could not be more different.

Bitcoin-Collateralised Loans
These are fiat loans issued by state-regulated lenders.
Nothing about them escapes the fiat system.

- You hand over your Bitcoin as collateral, but the loan you receive is still fiat.
- The loans primarily serve wealthy Bitcoiners’ consumption, not production.
- High interest rates slowly eat away at your Bitcoin.
- If markets turn, your Bitcoin can be taken from you.
- In reality, it’s no longer truly your Bitcoin.
- You remain fully inside the foul fiat framework.

Nothing changes.

Bitcredit Protocol
Bitcredit is not a company. It is a software protocol for real economic credit—without banks, without lenders, without fiat.

- Credit is simply deferred payment between free companies, not issued by a provider.
- Businesses gain a powerful new liquidity mechanism, fully inside the Bitcoin economy.
- Every credit is backed by real goods (real proof-of-work) and secured by the payer’s actual wealth under global bill of exchange law.
- Credit is denominated and redeemable in Bitcoin. No more fiat, ever.
- Credit is used 100% for production, no exceptions, which means the Bitcoin economy grows faster than fiat economies.
- Discount rates are set by the free market, not a centralised lender.
- Financing becomes the lowest-cost option available.
- The system is either self-custodial (counterparty risk) or non-custodial (issuer risk), NEVER custodial.
- These mechanics stabilise Bitcoin and push volatility below fiat levels.

Everything changes.

Bitcredit Protocol Community call starting in 1 hour. ...

2025-11-05T14:47:34Z

Bitcredit Protocol Community call starting in 1 hour.

quoting
nevent1q…pvw5
Join Wednesday’s Community Space on X.

Wednesday, November 5th, 16:00 UTC. 11am NY, 5pm Vienna.

Agenda:
• Satus of Bitcredit development
• Insights from pilot customers
• Open Q&A session

Ask your questions.
MC: Max (nprofile…r7y8)
Speakers: hubertusVIE (nprofile…udxf), @MTbitcr, Karan

https://twitter.com/i/spaces/1BdGYZgdVAyJX

Join Wednesday’s Community Space on X. Wednesday, November 5th, ...

2025-11-04T12:41:21Z

Join Wednesday’s Community Space on X.

Wednesday, November 5th, 16:00 UTC. 11am NY, 5pm Vienna.

Agenda:
• Satus of Bitcredit development
• Insights from pilot customers
• Open Q&A session

Ask your questions.
MC: Max (nprofile…r7y8)
Speakers: hubertusVIE (nprofile…udxf), @MTbitcr, Karan

https://twitter.com/i/spaces/1BdGYZgdVAyJX

Here is a live example of how a buyer and seller finance a trade ...

2025-11-03T11:20:57Z

Here is a live example of how a buyer and seller finance a trade with an Electronic Bill of Exchange on the free, open-source Bitcredit Protocol.
They create an identity, issue an e-bill, and at maturity settle it on Bitcoin mainchain.

The equivalent process can take weeks or even months with banks on fiat money.

Try it out on Bitcoin Testnet:
https://testnet.minibill.tech

Week 44 Update: Core team returned (exhausted) from a very busy, ...

2025-10-31T16:10:58Z

Week 44 Update:
Core team returned (exhausted) from a very busy, very successful participation at
@LuganoPlanB.
– Sneak mainnet version for internal users to test with real satoshis.
– E-bill backend migrated protocol data from JSON to binary format.
– Wildcat mint advanced with intermittent exchange between offline and online cases.
– New component library used across eBill and eCash frontends.
– Strong user feedback from early testers.
– Talks to exchanges for guarantee asset listings.
– Progressing on mint business structures for trade finance users.

Week 44 Update:
Core team returned from a busy, successful participation at
@LuganoPlanB
.
– Sneak mainnet version for internal users to test with real satoshis.
– E-bill backend migrated protocol data from JSON to binary format.
– Wildcat mint advanced with intermittent exchange between offline and online cases.
– New component library used across eBill and eCash frontends.
– Strong user feedback from early testers.
– Talks to exchanges for guarantee asset listings.
– Progressing on mint business structures for trade finance users

This week Bitcredit joined Global Trade Conference (GTR) Türkiye ...

2025-10-22T11:01:05Z

This week Bitcredit joined Global Trade Conference (GTR) Türkiye in Istanbul:

Turkish corporates, exporters, importers, manufacurers, traditional banks, and fintechs gathered to discuss current challenges in domestic and international trade finance due the politically captured fiat currency system, such as de-banking, credit risk-off and compliance bloat.

Our keynote session explored:
- Bitcoin as permissionless, unstoppable, and non-political settlement layer
- Bitcredit as an enabler for direct, peer-to-peer export and trade credit

Turkish banks showed high interest in electronic bills of exchange on Bitcoin rails. This free open source protocol will give rise to a new global form of lightweight 'non-banking", neutral and without a need for central banks and their inflationary fiat currencies.

Week 40 Update: Bitcredit Protocol is getting ready for ...

2025-10-22T10:56:04Z

Week 40 Update:
Bitcredit Protocol is getting ready for
@LuganoPlanB
pushing for eBills v0.5 Alpha. We will showcase Bitcoin wholesale money for businesses at our booth in Villa Ciani 2nd Floor:
– eBills is nearing function complete. This week added email notifications, state chain debug for individual and company ids, and finalised the eBill recourse flow.
– All community members are invited to play with v0.4.9 on Testnet 3 from next week.
– Wildcat Mints and Clowder Network prototypes are also making strides. We hope to give a glimpse of what's to come during Lugano.
@

Today, Bitcredit is orange-pilling international trading ...

2025-10-20T10:34:51Z

Today, Bitcredit is orange-pilling international trading companies in Istanbul, Turkey. 🇹🇷

Demonstrating unstoppable supply chain finance on #Bitcoin.

Trade will find a way.

Accept the lesson: For Bitcoin, Store of Value hinges on becoming ...

2025-10-17T16:33:21Z

In reply to nevent1q…ytja
_________________________

Accept the lesson:
For Bitcoin, Store of Value hinges on becoming Medium of Exchange, without it gold has broader appeal.

Therefore, we must make a special effort to make the Medium of Exchange usecase real. It is #Bitcoin's true strength – once we stabilise volatility.

That's the mission of Bitcredit Protocol.

Week 42 Progress: Bitcredit Protocol wrapped up a busy week at a ...

2025-10-17T16:27:34Z

Week 42 Progress:

Bitcredit Protocol wrapped up a busy week at a Global Trade Conference in Cairo, engaging with traders, exporters, local banks. Collecting feedback, and refining the eBill stack ahead of GTR Istanbul next week.

– Added full eBill history with block-level timestamps and signing addresses for full auditability.
– Introduced a mempool status label speeding up the "paid" transaction/confirmation status.
– Progress with Wildcat Mint integration with Clowder Networks
– Implemented relay security protection and initial memory/unit test coverage. Actively testing features with Pilot users.

We agree. It's the next frontier for Bitcoin.

2025-10-15T06:47:29Z

In reply to nevent1q…sjn6
_________________________

We agree. It's the next frontier for Bitcoin.

Today, Bitcredit Protocol is represented at the 2025 Global Trade ...

2025-10-15T05:58:57Z

Today, Bitcredit Protocol is represented at the 2025 Global Trade conference in Cairo 🇪🇬.

Looking forward to orange-pill corporate producers, importers, and exporters.

With #Bitcoin, they can get rid of an all the red tape, while speeding up transactions and removing droves of middlemen.

Bitcredit Protocol Week 41 Update: Bitcredit Protocol is pushing ...

2025-10-10T14:46:59Z

Bitcredit Protocol Week 41 Update:

Bitcredit Protocol is pushing closer to eBills v0.5 Alpha while gearing up for GTR Cairo next week.

– v0.4.9 is now live! Community members can explore the latest build and try out new eBill features directly.
– Rolled out upgrades and bug fixes
– Improved startup time
- Fixed discount-rate calculations for eBill sale and minting
- Users see payments en route in mempool
– Pilot and eBill adoption discussions underway with several real economy companies

Week 40 Update: Bitcredit Protocol is getting ready for beautiful ...

2025-10-03T15:32:24Z

Week 40 Update:
Bitcredit Protocol is getting ready for beautiful Lugano and @LuganoPlanB.
Team is pushing for eBills v0.5 Alpha by then. Bitcredit will showcase Bitcoin wholesale money for businesses at a booth in Villa Ciani on 2nd Floor. Come visit!
– eBills is nearing function complete. This week added email notifications, state chain debug for individual and company ids, and finalised the eBill recourse flow.
– All community members are invited to play with v0.4.9 on Testnet 3 from next week. Last stop before v0.5.
– Wildcat Mints and Clowder Network prototypes are also making strides. We hope to give a glimpse of what's to come during Lugano.

First, Bitcoin created a trustless digital asset. Now, the key ...

2025-09-27T12:10:49Z

First, Bitcoin created a trustless digital asset.

Now, the key purpose of Bitcredit Protocol is to remove trust from Bitcoin-based credit.

This will create a Bitcoin credit money layer which enables adoption by trade and industry.

Yesterday at GTR Commodities Conference in Geneva 🇨🇭: ...

2025-09-24T14:32:47Z

Yesterday at GTR Commodities Conference in Geneva 🇨🇭:
Global Commodity Traders orange-pilled on #Bitcoin with Bitcredit Protocol in just 60 seconds.

They received a promissory note for 21,000 sats on Testnet3 for their Proof-of-Work and walked away with a real Bitcoin T-Shirt, after endorsing their eBill to the virtual "Satoshi Fashion Store".

It’s Monday morning, the perfect time to remember that sudden ...

2025-09-08T05:57:56Z

It’s Monday morning, the perfect time to remember that sudden debanking is a growing threat for international businesses.

Whether you’re an SME or a large global trader, "your" bank access to payments and credit can be taken overnight.

That’s why you should study Bitcredit, an open, permissionless, neutral credit money layer on top of Bitcoin. No weekends. No politics. Always-on liquidity.

Next week at BTC++ in Istanbul, Bitcredit Co-founder and Lead Dev ...

2025-08-29T14:47:44Z

Next week at BTC++ in Istanbul, Bitcredit Co-founder and Lead Dev Mykyta will walk through the complete process of issuing a Bitcoin-denominated bill of exchange between two companies and then using the eCash created for day-to-day payments.
Businesses can finally use Bitcoin as a medium of exchange in trade and industry.

Join us at BTC++ Istanbul:
https://btcplusplus.dev/conf/istanbul

Bitcredit Project will participate at next week's ...

2025-08-28T12:56:12Z

Bitcredit Project will participate at next week's btcplusplus (npub1dwa…7c52) conference in Istanbul which focusses on Bitcoin Scaling.

Most bitcoiners think that Bitcoin scaling is merely a technical problem. That's part true but the bigger problem is a lack of monetary scaling.

This blocks Bitcoin adoption in trade and industry. For the real economy, Bitcoin M0 needs an elastic currency layer M1 and a stable purchasing power. Bitcredit is building it.

If your are a bitcoiner with business interest in the real economy, meet us there!
https://btcplusplus.dev/conf/istanbul

This: 👇 #nevent1q…z4wa

2025-08-23T09:12:28Z

This: 👇

quoting
nevent1q…z4wa
In a realistic #bitcoin future, there exist only two kinds of money:

1. Bitcoin base money (BTC, M0)
2. Bitcoin credit money (Bitcredit, M1)

Credit money may only be created if it’s backed by real goods entering the supply chain. That’s what makes it honest.

Example:
1. A farmer wants new machinery.
2. He finds a bank (ultimately private savers) willing to lend Bitcoin.
3. The deal: “10 BTC now, pay back 12 BTC in 5 years.”
4. The extra 2 BTC cover costs, risk, and profit.
5. If the farmer fails → the bank takes the loss.

No bailouts. No money printing.

Clear enough?

PS: At 12 for 10 the bank is fine if 1 in 5 loans went bad, with a total loss. Unlikely though. With sound banking practice loans are backed by real collateral.

PS: And no state guarantees — those breed inflation.

Remember: As long as Bitcoin remains volatile, trade and industry ...

2025-08-18T19:55:32Z

Remember:

As long as Bitcoin remains volatile, trade and industry cannot use it.

The real economy will remain on the fiat standard, with all its foul distortions.

Bitcoin must be stabilised. Follow or better join the Bitcredit Protocol project.

Travel plans, anybody? Best places to go. Source: ...

2025-08-07T12:45:50Z

Travel plans, anybody?
Best places to go.

Source: AdoptingBTC (npub1ad0…ng2c)

Has your business been DEBANKED by increasingly crazy ...

2025-07-25T08:47:53Z

Has your business been DEBANKED by increasingly crazy ReGuLaTiOnS?

Out of control state surveillance by unfettered politicians enforced via banks makes business more bureaucratic by the day, hurts you and your customers.

Good news: With #Bitcoin and Bitcredit Protocol, businesses need no bank anymore!

Working capital and liquidity is produced directly, B2B.

Study Bitcredit Protocol.

Trade terms (buyers pay sellers with 30/60/90 day bills) keeps ...

2025-07-23T11:59:20Z

Trade terms (buyers pay sellers with 30/60/90 day bills) keeps the supply chains flowing.

Bills of Exchange used to power production and trade by converting trade terms into high-quality payment instruments.

Then fiat money switched the world to government bonds for statist consumption, corruption, and waste.

With #Bitcoin, the good times can return. Bitcredit Protocol aims to free trade and industry from the increasing red tape, access barriers erected by governments and their captured banks.

Businesses! Are you still using naked trade terms? Bitcredit Core ...

2025-07-17T07:18:10Z

Businesses! Are you still using naked trade terms? Bitcredit Core gives you the legal protection afforded by bills of exchange. Study it.

IRL Meeting of Bitcredit Core Development team. Gaining momentum. ...

2025-07-16T19:11:05Z

IRL Meeting of Bitcredit Core Development team. Gaining momentum.

Tired of banks asking for 21 documents and 42 signatures? Try a ...

2025-07-15T18:28:35Z

Tired of banks asking for 21 documents and 42 signatures? Try a system built for business, not for bureaucracy. Try Bitcredit.