In a recent post on X, I wrote that I wish I had started investing in startups through my retirement accounts sooner. I spent most of my twenties doing what everyone tells you to do: putting my savings into ordinary Roth IRAs and 401(k)s. I did not learn
May 11, 2026 What if lack of privacy is what's preventing central banks from buying Bitcoin? "First, Bitcoin lacks privacy. Transactions can be monitored and potentially controlled, which is why central banks aren’t looking to hold it." Activating a zkSNARK verifier on the Bitcoin L1
In February, I joined On Deck Fellowship and flew to San Francisco for a one-week in-person onboarding experience as part of its 27th cohort (ODF27). I started the onboarding week feeling depleted and burned out. I left feeling much more energized and excited about what comes next. It
After leaving Credit Coop in November last year, I decided to take a sabbatical. This isn't my first time taking time off from work or formal education. In 2016, I took a year off to teach myself data science, and in 2021 I left my job to start
March 26, 2026 The Bitcoin-Backed Mortgage product I would like to see: * 7/6 SOFR ARM * 1:1 BTC to home value backing * interest only (no principal payments) * no margin calls or liquidation on BTC This greatly reduces the monthly payment for borrowers (no principal payments) and increase risk-
March 5, 2026 Completed my first wholly AI driven project - migrated my thomashepner.net blog to thomashepner.xyz in a day. 1. Squarespace Website -> GitHub + Vercel 2. Squarespace Blog + Email -> Ghost
March 5, 2026 Making Bitcoin productive is the new bull market. March 29, 2026 Demand for Bitcoin increases with its adoption as a pristine collateral asset. After Morpho Markets V2 is released, Bitcoiners will be able to borrow against BTC at 4-10% APY with fixed durations of up to
Macro 1. The US Dollar will be devalued by 15-30% against its major fiat trading pairs (i.e. the Euro, Japanese Yen, Mexican Peso, Canadian Dollar, and most importantly Chinese Yuan) within the first 6 months of the incoming Trump administration. 2. Except for China, broad-based tariffs of
Hey everyone - I have some exciting news to share! For the past year and a half, I’ve been building Credit Coop, a new private credit platform supporting the growth of the Web3 ecosystem by providing innovative financing solutions that leverage future cash flows. We’ve raised a pre-seed
Computing 1. In the United States, VR & AR headset/glasses adoption will be the same, or greater, than smartphone adoption in 2023. 2. In the United States, smartphone adoption will follow the same trajectory as landline phone adoption, declining precipitously over the next three decades as they are replaced
In the technology industry, there is a pithy aphorism that, “The future is already here - it’s just not evenly distributed.” While the expression may seem a bit trite, from my experience, it is uncannily accurate. Because transformative technologies grow from a small (or non-existent base!) their significance is
January 11, 2022 Summary * Numerai sits at the intersection of two megatrends underway in the Fourth Industrial Revolution — Artificial Intelligence (AI) and the Blockchain. * Goal: Build the world’s last hedge fund, a single hedge fund monopoly to manage all of the world’s money. * Thesis: Numerai is a data-