u/XapoBank

▲ 335 r/BitcoinUK+3 crossposts

20 Million Mined. 1 Million Left. 114 Years to go. You are witnessing the most scarce asset in human history.

For those of us who remember running nodes back when the block subsidy was 50 BTC, watching this animation hits differently. We’ve watched this network grow from a cypherpunk curiosity on an obscure cryptography mailing list into the immutable anchor of a new global financial system.

Satoshi’s algorithmic monetary policy is doing exactly what it was programmed to do. No bailouts. No printing presses. Just pure, unyielding math.

>95% of the total supply is already gone: 20,000,000 #BITCOIN have been secured. The entire planet must now fight over the remaining 1,000,000 BTC for the next 114 years. You are looking at the genesis of absolute, mathematically enforced scarcity.

Look closely at the chart. That massive blue area? That is the era of distribution. We lived through it. That microscopic sliver remaining in the circle? That is the battleground for the next century. Our children and grandchildren will live in an era where nation-states and institutions fight over fractions of what ordinary people could mine on a laptop in 2010.

The era of easy accumulation is definitely over. We are now entering the era of absolute supply shock.

We want to hear from both the veterans and the newcomers in here:

  1. During which epoch/halving era did you finally fall down the rabbit hole?
  2. As we look toward that final 1 million BTC stretched over 114 years, how do you see the network adapting as the security budget transitions entirely to transaction fees?

Tip of the hat to the creator, Wicked (@w_s_bitcoin / wickedsmartbitcoin.com), for putting together one of the most powerful visual representations of Bitcoin's issuance we've ever seen. Credit where it's due.

u/XapoBank — 18 hours ago

We are proud to support the next step in global #Bitcoin education.

As Joey Garcia highlighted today, Xapo Bank is partnering with the Washington-based Bitcoin Policy Institute to launch a major international policy education initiative right here in the United Kingdom.

Through this initiative, we are bringing BPI's years of US policy experience to the UK to help regulators, government officials, and policymakers understand Bitcoin technology's true capabilities and objectives.

Education is the foundation of smart regulation, and we're excited to facilitate these vital conversations!

Read more here - https://www.btcpolicy.org/articles/bitcoin-policy-institute-launches-international-initiative-with-support-from-xapo-bank-to-educate-united-kingdom-policymakers

u/XapoBank — 6 days ago

Bitcoin Policy Institute Launches International Initiative With Support From Xapo Bank to Educate United Kingdom Policymakers

We are proud to support the next step in global #Bitcoin education.

As Joey Garcia highlighted today, Xapo Bank is partnering with the Washington-based Bitcoin Policy Institute to launch a major international policy education initiative right here in the United Kingdom.

Through this initiative, we are bringing BPI's years of US policy experience to the UK to help regulators, government officials, and policymakers understand Bitcoin technology's true capabilities and objectives.

Education is the foundation of smart regulation, and we're excited to facilitate these vital conversations locally.

Read Joey's full update below and join us in welcoming David Zell and Conner Brown to London next week!

📰 Learn more in the official press release on their website.

kessler-prod.reta52d8.eas.morningstar.com
u/XapoBank — 8 days ago
▲ 4 r/BitcoinUK+1 crossposts

https://preview.redd.it/9e2jrzsddjzg1.png?width=1000&format=png&auto=webp&s=e8521e5cbcc82d92506ecff7d24cfc6f002f1084

We are proud to support the next step in global #Bitcoin education.

As Joey Garcia highlighted today, Xapo Bank is partnering with the Washington-based Bitcoin Policy Institute to launch a major international policy education initiative right here in the United Kingdom.

Through this initiative, we are bringing BPI's years of US policy experience to the UK to help regulators, government officials, and policymakers understand Bitcoin technology's true capabilities and objectives.

Education is the foundation of smart regulation, and we're excited to facilitate these vital conversations locally.

Read Joey's full update below and join us in welcoming David Zell and Conner Brown to London next week!

📰 Learn more in the official press release: https://bit.ly/4etZyHb

reddit.com
u/Bitcoin-Adam — 8 days ago
▲ 64 r/Bitcoin

We are sitting at a historic crossroads today, April 29th.

Jerome Powell is officially stepping down, and today marks his final FOMC press conference as Fed Chair. At the exact same time, we are watching BlackRock’s IBIT pull in hundreds of millions in net inflows daily, basically swallowing the daily mined supply whole.

Yet, we are still bouncing between $77k and $79k, getting rejected at the $80,000 psychological barrier.

With the US-Iran ceasefire calming the macro markets and the Fed transition looming, it feels like a coiled spring. Are we seeing massive OTC accumulation by institutions keeping the spot price down, or is the post-Powell era already priced in?

What are your moves here? Are you front-running the new Fed Chair, or waiting for a confirmed break above $80k?

Or does it not even matter to you and you just stack regardless of the fiat price?

reddit.com
u/XapoBank — 15 days ago
▲ 1 r/XapoBankOfficial+1 crossposts

We are sitting at a historic crossroads today, April 29th.

Jerome Powell is officially stepping down, and today marks his final FOMC press conference as Fed Chair. At the exact same time, we are watching BlackRock’s IBIT pull in hundreds of millions in net inflows daily, basically swallowing the daily mined supply whole.

Yet, we are still bouncing between $77k and $79k, getting rejected at the $80,000 psychological barrier.

With the US-Iran ceasefire calming the macro markets and the Fed transition looming, it feels like a coiled spring. Are we seeing massive OTC accumulation by institutions keeping the spot price down, or is the post-Powell era already priced in?

What are your moves here? Are you front-running the new Fed Chair, or waiting for a confirmed break above $80k?

Or does it not even matter to you and you just stack regardless of the fiat price?

reddit.com
u/XapoBank — 15 days ago

We are sitting right below $80k, and the energy feels completely different from what it did in 2017 or 2021. Why? Because the asset has matured.

For years, the crypto and bitcoin community has been waiting for the "retail FOMO" to kick in. We keep waiting for your Uber driver or your grandmother to ask how to buy Doge or Bitcoin on their phones. But that era is over. We have entered the Post-Halving Maturity Phase.

Here is what is actually driving the $80k push:

  • Institutional Dominance: ETF inflows and institutional custody are dictating the floor price, not retail spot-buying.
  • Corporate Treasuries: It’s no longer just MicroStrategy. Random, mid-cap public companies (like UK recruitment firms this week) are treating Bitcoin as a corporate treasury reserve.
  • The Boring Phase: Bitcoin is becoming less of a casino chip and more of a geopolitical reserve asset.

If Bitcoin is now a "grown-up" macroeconomic asset, the ecosystem's infrastructure has to grow up with it. Trillion-dollar assets don't achieve global integration solely through offshore exchanges, nor by expecting every single person on earth to manage complex cryptographic keys.

If we want Bitcoin to hit $150k or $200k, we have to move past the 'wild west' mindset. The next billion users, and the institutions that represent them, will demand the exact same regulatory transparency, legal frameworks, and peace of mind that they expect from traditional finance. Fully regulated, mature infrastructure isn't the enemy of Bitcoin; it's the required bridge for global adoption. Have bitcoiners moved past the NYKNYCs yet? Many of the people we deal with have.

What do you think?

reddit.com
u/XapoBank — 21 days ago

Did anyone else catch that MicroStrategy just bought another massive chunk of Bitcoin to officially pass BlackRock and reclaim the top spot?

Seeing two massive entities holding over 1.6 million BTC between them is a huge milestone for the space. While some people immediately worry about large corporate holdings, from our perspective at Xapo Bank, this looks like the ultimate validation that Bitcoin has finally matured into a premier global reserve asset.

When you have both agile tech companies and traditional finance giants competing to secure their treasuries, it shows that institutional trust in the security and longevity of the network is higher than ever.

With this kind of serious capital and infrastructure stabilising the foundation, it paves the way for a more secure and integrated financial future for everyday users, too.

How do you all see this corporate arms race impacting the next wave of global financial adoption?

reddit.com
u/XapoBank — 22 days ago

We’ve covered the scams (0% APR) and the risks (algo-liquidation). So, how do you actually get liquidity from your Bitcoin without selling?

You need to demand Segregated Custody.

The Checklist for a "Safe" Bitcoin Loan: If you are borrowing against your stack, your lender must be able to prove three things:

  1. No Rehypothecation: Your BTC sits in a specific, segregated vault. It is not pooled. It is not lent out.
  2. Transparent Pricing: You pay an interest rate. This proves their business model relies on lending fiat, not gambling your crypto.
  3. Regulatory Fortress: A "terms of service" agreement isn't enough. You need a fully licensed bank (like Xapo, regulated in Gibraltar) where capital reserves are audited.

The Xapo Standard:

  • LTV: 40% (Low leverage = longevity).
  • Custody: MPC + Hardware keys (Military grade).
  • Philosophy: Your Bitcoin is the "pristine collateral." It shouldn't be touched.

Final Thought: Bitcoin is the hardest money ever discovered. Don't risk it for a "free" loan. The cost of a professional loan is significantly lower than the cost of losing your keys.

TL;DR: Pay the interest. Keep the coins. Don't let a bot manage your wealth.

u/XapoBank — 22 days ago

In Part 1, we talked about where your coins go (rehypothecation). Today, let's talk about who controls them.

Most 'crypto' lenders rely on automated liquidation engines fed by price oracles.

  • Price drops? Bot sells.
  • Oracle glitch? Bot sells.
  • Flash crash? Bot sells.

The Glitch Risk: On Oct 10, 2025, a single 60-second data error on a major exchange triggered a cascade that wiped out $19B in positions. The bots don't care if it's a glitch or a crash. They sell the absolute bottom, wiping out your equity instantly.

The Tax Bomb: A forced liquidation isn't just a loss of sats; it's a forced taxable event. You lose your asset and get a tax bill for the "sale."

The OG Approach (Human in the Loop): This is why institutional-grade custody (like Xapo Bank’s model) uses human oversight.

  • Conservative LTV: Capped at 40% (giving you a massive buffer).
  • The Phone Call: Before a liquidation happens, a human should call you. You should have time to top up collateral, not wake up to a "position closed" email.

Have you ever been liquidated by a wick/glitch?

How much buffer do you keep on your loans?

u/XapoBank — 1 month ago