BTC

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Post is by: Boring-Sir2623 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sdcr2j/how_to_borrow_against_your_crypto_step_by_step/ A lot of explanations of crypto loans are vague or skip the parts that matter. Here's a concrete walkthrough with actual numbers. Step 1: Understand LTV (Loan-to-Value). LTV is the ratio of your loan to your collateral value. Deposit $10,000 in Bitcoin, borrow $5,000 - that's 50% LTV. Most platforms let you borrow 50–90% depending on the asset and loan term. Higher LTV = more cash but less buffer before liquidation. Step 2: Calculate your real liquidation threshold. Real numbers: you deposit $10,000 in BTC, borrow $6,000 (60% LTV). If BTC drops 25%, collateral is now worth $7,500. Loan is still $6,000 - LTV is now 80%. Most platforms warn around 80–85% and liquidate around 90–95%. Starting at 60% LTV, a 33% price drop puts you in danger. Starting at 50% LTV, it takes a 44% drop. That buffer matters enormously. Step 3: Understand loan terms vs LTV. This matters more than people realise. On YouHodler for example: 30-day loans go up to 90% LTV, 60-day up to 70% LTV, 180-day up to 50% LTV. Longer term = lower available LTV = more buffer built in. Choose the term that fits your actual need, not just the one that lets you borrow most. Step 4: Interest rates. Typically 8–15% APR depending on platform and term. On a $5,000 loan at 12% APR for 3 months, you pay about $150 in interest. That's the cost of keeping your crypto position. Step 5: Platform differences. Nexo and Ledn are well-known, offer around 50% LTV on BTC. YouHodler goes up to 90% LTV on 30-day loans, Swiss-regulated. More in r/ YouHodler\_Official on the specifics. Step 6: Manage it actively. Not set-and-forget. Check LTV every few days during volatile periods. Most platforms let you add collateral or partially repay to bring LTV down. Have a plan: at what BTC price will you add collateral? At what price will you repay early? TL;DR: Start at 50% LTV or lower, know what price triggers your liquidation, have cash ready to act. The interest is usually your smallest concern - liquidation is the real risk. Questions welcome *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Confident_Hunter7506

Just patiently wait for some of these BTC treasury companies to fail. It’s going to happen and it’ll be catastrophic as well as the mother of all dips

Bazaruta

Well dude, the market is in a downtrend…so you have to stick to your guns and hold. Nobody knows where the bottom is. If you can handle a good drawdown you are set, institutions are on BTC now, so we know they’ll never allow it to become worthless. Just wait for the next risk on period to make bank!

Blockchainauditor

BTC is not account-based, but is UTXO-based. When you send BTC, you do not transfer the exact amount; you are sending one or more UTXOs, and the recipient receives what you send them and you get back “the change”.

TheresNoSecondBest

6.15 BTC is all you need, mate. Scientifically proven!

Unlucky_Split7536

With 5 BTC you've already won, retire....

--Quartz--

You can have an account based model like ETH that works like a bank account (you see your "balance" and send only what you want, or you can have a utxo (unspent transaction) model like BTC, where each unspent transaction is like a paper bill. So your private keys can validate that you are allowed to spend that bill. You spend it and generate multiple other bills. Like paying 52 dollars with 100 bill, you'll send 52 to somebody (now only spendable with their keys) and are left with a 48 dollar bill (only spendable with your keys). Each of those is a distinct "entry" in the ledger

totoin74

I would start at below 60k and will DCA as it falls. I would start with 5% allocation and then add 1% per 1000 dollars down. A savings account that has 15% BTC would be a bad portfolio. Too risky considering the nature of the portfolio.

Quirky-Reveal-1669

Well, I guess I will be stacking until 7 BTC then, for the next \~22 years...

InvestAISavvy

The miner selling is the part I keep going back to. MARA just dumped $1.1B in BTC, cut 15% of their workforce, and pivoted to AI infrastructure. Social engagement on MARA spiked over 250% in a week from that news alone. They're sitting on 30% short interest. Riot is in a similar boat. So you've got miners liquidating to survive on one side, and Schwab quietly building spot BTC trading infrastructure on the other. That's not a normal tug of war. That's a generational handoff. The weak hands are literally the people who mine the stuff. The strong hands are the ones building custody and settlement rails for the next decade. The $67K level matters, but I think the Schwab launch is the thing nobody's pricing in. When a firm managing $12 trillion in client assets says "we're ready to let people buy BTC directly," that's not a retail catalyst. That's plumbing. And plumbing matters more than price levels.

Different-Limit-2683

Those $50 in BTC already priced-in for end-user by his business by whatever action you’ll choose to do. Scam.

Soggy-Welder2265

Just sold one of my investment cars 🚗 going to pick up some more BTC this week also

dtg99

I’m convinced the average person would have an easier understanding of how to send a rover to Mars than they would of how to store and transact their crypto. Outside of BTC/crypto being an extremely volatile speculative asset there is no real future. At least in your lifetime.

JuxtaposeLife

I sold a house in fall 2024 and moved the equity in Bitcoin around $70k average. I've never been happier. BTC doesn't need maintenance, it doesn't need to pay rent, and I don't have to feel bad about making a business out of raising rent on humans. You'll appreciate this move more and more in time... Bitcoin is a way better place to park long term wealth than housing (which is essentially a depreciating asset after factoring in all costs and pains).

joos_hubert

For a trip later this year I’d keep that money separate. BTC makes more sense for long term savings, not money with a fixed date attached to it. If the market drops 25% right before you book flights, suddenly the trip gets a lot more expensive.

bruce_cockburn

Your xpub address can be derived for reporting and tax calculations to show the sum of all balances from change addresses. Most BTC wallets will provide an xpub address, but there are websites (always download and use in offline mode) that can calculate it as well.

senditFrmU2M

If the 4-year cycle still holds and so far it looks like it does then the BTC bottom likely lands in Q1 2027, probably Feb–March 2027. We also haven’t seen true capitulation yet, which usually marks the final phase before a cycle bottom.

Leithm

From  a smart  contracts perspective  UTXO’s  are  much safer because blind signing (the cause of most big protocol hacks) are not possible as the tx’s are  committed within the contract and miner validated like any normal payments.  You don’t have to trawl through contract code  looking for  vulnerabilities. Pruning has been around on BTC for a decade but no one used it because there was no  need,  removing the  storage bottleneck.   Compact blocks, Xthinner and Graphene removed the network speed bottleneck, leaving the signature validation processing bottleneck.   The BU  team were running 256mb blocks single threaded on a normal desktop  PC many years  ago.  Bog standard desktop PC’s  have many cores and Libbitcoin proved the advantages of parallelisation long ago.    

No-Bass-344

That’s a SMART FREAKIN’ person that just commented…I mean a person that CARES can’t be SUBSTITUTED for a BULLSHHT’er and this person CARES…I’m thankful for that one and don’t have any BTC

loxotbf

If BTC decides to run this cycle, you’re positioned way better than most of us.

Low_Date1078

Congrats BTC-friend you’re on your way to becoming a millionaire👏🏼

thinkingperson

Is it the way utxo work? When you send BTC out, the remainder do not start on the old address but it's automatically sent to a new derived address. https://www.ledger.com/academy/topics/crypto/bitcoin-utxos-explained BTC UTXO Transaction Example Let’s say you have these UTXOs in your wallet: One worth 0.5 BTC One worth 1.0 BTC Two worth 0.01 BTC each Total: 1.52 BTC You want to send someone 0.9 BTC. So, your wallet evaluates its options: The 0.5 BTC piece is too small, The 0.01 BTC pieces are way too small, The full 1.0 BTC piece is enough to cover the transaction. If you have a 1.0 BTC UTXO but only need to send 0.9 BTC, you can’t just send 0.9 and leave 0.1 behind. Instead, your wallet sends 0.9 BTC to the recipient and automatically creates a change output of 0.1 BTC that goes back to you. Your wallet now holds: Total: 0.62 BTC 0.5 BTC (unchanged) 0.1 BTC (newly created change) 0.01 BTC (unchanged) 0.01 BTC (unchanged) The original 1.0 BTC UTXO is ‘destroyed’ as an input and ceases to exist, replaced by the two new UTXO outputs (0.90 BTC to the recipient, 0.0995… BTC to your change address). Input: the single 1.0 BTC UTXO your wallet chooses to spend. Outputs: 0.9 BTC sent to the recipient (payment output) ~0.0995 BTC sent back to a new address you control (change output) This ‘change’ doesn’t return to the same address it came from. Your wallet generates a brand new change address from your own pool of addresses and sends the leftover ~0.0995… BTC there.

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Post is by: Itz_Legend_ and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sd8rl8/the_coinmarketcap_api_is_seriously_underrated_for/ I've been doin alot of crypto market analysis lately nd I honestly didn't realise how much data the CoinMarketCapAPI gives you until i actually started using it. you can pull real time prices, market caps, 24 hour volume, historical OHLCV data, trending coins, global market metrics, it's basically everything you'd want to analyze markets in one place. and the free plan is actually useful, not one of those free tiers that gives you basically nothing. i built a small script that tracks dominance shifts between BTC nd altcoins nd its been really useful for spotting market cycle patterns. the data is clean nd reliable which matters alot when you're doin any kinda analysis. if you're into market analysis nd haven't checked this out yet, definitely worth a look link: https://coinmarketcap.com/api *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Admirable_Piccolo_18

Buy more 10 BTC when it below $50k and wait for 2-3 years. Sell at $171k. Don’t over wait. Whenever it reach to $171k, sell all, take profit.

XRP-GORILLA

BTC holding above 67K after the tariff chaos is actually impressive. Smart money isn't panicking — watching the 4H structure closely. 🦁

Propeller74

If it’s truly a short terms savings, I would choose a hi-yield. Don’t put that money at risk. I’ve been investing in BTC since 2018 and for example, we are 40-50 % off the high in just a few months. Not worth the risk for short term unless you’re an experienced trader and even then…

stringfellowpro

Any idea why BTC is making a move rn?

Always_working_hardd

Get a loan against your BTC and buy a less expensive house for cash.

ParfaitQuick8426

You won't. I can guarantee you that, not in the short term. You're playing the long game. BTC has cycles, 2 years up, 2 years down. The halving is every 4 years. 2028 is the next halving. Everything spills over into 2029. In 2030, another correction, and so on. 2028 to 2029 will see things WAY past 120k. I'm expecting 150 to 250k with 200k being a medium. Some see 400k, but I think that's during the next halving, maybe 2032 to 2036.(remember 4 year halving) G.L.

Low-Significance5483

If you have $250k in equity, get a HELOC, buy the BTC and keek your house.

mrjune2040

Tbh this question has less to do with BTC and more about your investment approach in general. Going 'all in' on one asset is generally a bad idea, at least hedge your bets, especially when your timeframe is short. You should see BTC has a good long-term savings play, but not something that you should rely on to grow/hold value over the short-term (which is what 'later this year' is). And again, this is no different to most asset classes right now, we're in a time of global stagnation and war- and there is zero assurance that the market will be up come year end.

Excellent_Mango7377

Think of the BTC like your house. You didn't go check the house price every day. You didn't care if price went down or up. You only cared about price when you were ready to sell - which you said is 5 years for BTC.

AbsoluteZero--

Yes, BTC is volatile. DCA what you can afford, & forget about it, until you're ready to cash out.

Kuuzie

Not OP.  The password thing hits for me.  I have an old file from 2010 of passwords I was looking at and caught an entry named "internet GEMS" followed by a lengthy password. Totally what I would have called BTC back then.  It sparked a memory of buying BTC long ago when I was just learning about stocks and BTC, around that time.  This is good info and might take my old comp out of storage and peek at it. Thank you. 

yatv

XMR has more value then BTC

PolicyWonka

BTC is undoubtedly in the top five in terms of financial targets. Compared to banking and investing, crypto remains relatively unregulated. The security on some of these big exchanges is pretty abysmal. It would not take much for some of the institutional investors to get spooked out.

LiquidityCompass

For an average joe, like me, trading on a short time frame is 100% guarantee losing your money. I tried 1 min candles, it was awful. Now I watch weekly and monthly candles, I think long term trend is way more important than shorter gains. Just compare success of your trading with just holding BTC. Do you have any edge? And tbh, a big part of that long term trend is liquidity… if global liquidity isn’t expanding, it’s really hard to outperform just by trading noise.

damianoko31

Great option. But I think it's not a necessary bad thing to not be too much divergent because I'm 19yo. And right now, I have almost all of my money in BTC. And when I have my goal, I will put almost all of my income in stocks and other things to diverify. I think it makes sense when young? 😅

No_Network404

Ehrliche Frage. Wie viel & ab welchen BTC Kurs würdest du von 150.000€ Tagesgeld in BTC stecken?

matthegc

Yes….it really is. The conversion rate of USD to BTC is based on similar mechanics as all currency exchange. Just as USD gets stronger vs Argentina Peso because Argentina used to print new money nonstop, before Javier, BTC will get stronger vs every other currency due to all other currency being inflationary….thanks to all other currency being fiat, government controlled, and governments can’t stop printing money for any reason they choose. It’s inevitable, because it’s just math. FX rates fluctuate daily, until certain conversions explode due to one becoming worthless or worth much less. BTC is the easiest offset to fiat value decline ever created.

Chrysalis1111

all in BTC after sold house? Fk me, huge respect!

Inevitable_Pen_9075

You miss that BTC used to be over 100k.

dclap_

Happy birthday Satoshi. Buying more BTC to celebrate today

WaffleDonkey23

AI slop post. BTC does its normal 20% range that boomer investors aren't used to because anything beyond 2% for them is "MY 401k IS GONE!!!!" And you get an AI slop post "KABOLLION dollars are brutally WIPED OUT in a BLOOD RED market!!"

jbm747

BTC has a tendency to not do what we want in the short term…

dj_destroyer

I've had thoughts that I sell my house if it drops to $50k but I realized the housing market isn't nearly liquid enough and would take too long -- so I'd have to sell now, or even a month ago, which made me realize I'm just not ready. I have about $250k of equity in my home so it would also be 5 BTC to add to my stack of 2 BTC. 7 BTC would be insane and much better than a house. Home ownership is overrated, so much maintenance. Renting makes it someone else's problem and BTC, the apex asset, requires no upkeep or maintenance.

BentJohnsonFTP

Only difference is the other guys is trying to time the asset on a shorter horizon than you are. The short and longterm position of BTC are both completely unpredictable. Regardless what you tell yourself and others.

Wolfkurt1

BTC is solution for global reserve money , that much simple and we are going to BTC global reserve money. If it’s happened, BTC over night millions dollars

Professional_Tea4502

Dude, fucking legendary. You just transferred a significant amount of wealth into a monetary asset that cannot be debased or inflated. The peak will be higher this next Bull Run. Imagine how sweet it will feel when your next house costs 3 BTC instead of 5 and it’s an upgrade.

totoin74

Selling your house and buying a volatile asset is plain gambling. Nothing more, nothing less. 100 ways you can get heavy exposure to BTC without risking everything and getting returns but noooo, you gotta do the dopamine game. In the end, BTC might skyrocket but we will see if you can hold on the bear market and not sell during the bull.

zachslow

This is really interesting, and definitely more thoughtful than most Bitcoin retirement takes. That said, I think there’s one pretty big leap here: You’re treating floor growth like yield. It’s not yield. You don’t actually receive that money unless you sell BTC. And once you sell, your stack gets smaller, which means next year’s floor growth is based on fewer coins. That’s very different from living off dividends or interest. So the equation of stack x floor growth > expenses = financial freedom feels a little too clean. Also, the floor itself seems a bit cherry-picked. You’re using the more favorable version of it, which makes the “only 19% above the floor” point sound stronger than it really is. And more broadly, this whole framework depends on the power law continuing to hold. Maybe it does. But that’s a very different thing than the long market history behind the traditional 4% rule. So to me, this feels less like “Bitcoin’s version of the 4% rule” and more like: If the power law keeps working, this could work great. If it doesn’t, the whole argument gets a lot weaker, fast. I like the idea of dynamic withdrawals for Bitcoin. That part makes sense. I just don’t think this is as conservative as it’s being presented.

oopssomething

Was cool to see BTC rise on the day Jesus did once. Now that Japan economy is collapsing, the dollar will follow. And even our lord and savior cannot carry BTC towards the green heaven but the red Devil is always available. Anyway seems my mushroom cake is working.

Livid-Sundae-8994

Careful with this mindset tbh — most “signals” groups or channels that tell you what to buy are either late or just farming engagement. Better approach is learning the basics yourself first. I actually put together a short beginner guide on how to go from like $20 to $100 in crypto, covers what to buy (BTC/ETH), how to read the market, and avoid scams. For sources though: * Reddit: r/CryptoCurrency (good for sentiment, not signals) * YouTube: Coin Bureau (solid breakdowns) * Twitter/X is where real-time info happens But yeah, don’t rely on “what to buy” calls — that’s how most people lose money.

FunWithSkooma

the more the gov keeps printing money and the supply of BTC gets lower every 4 years, it easier to see how it ends. BTC exists because the govs of the planet keeps messing up Once, maybe, people understand what money really is, this guy is already setup.

AD_rumors

Just curious, if just looking for price appreciation why not BTC or IBIT in a brokerage. Seems like it's easier to cash out and more convenient. Now if you're planning to buy something using your wallet I get that.

TheHunterAmin

Will not happen. There is a huge crisis loading up, so that means massive money printing. BTC didnt had euphoria parabolic phase due tight liquidity because of monetary policy. I am sure the crisis will happen before next scheduled cycle peak 2029, so does money printing to "fix" the economy and we have euphoria again.

andys811

I mean I agree on it being foolish, but it's not guaranteed recipe for unhappiness and misery, we don't know the future, it could end like that, or BTC could go up and I really don't think OP would be too miserable about their decision then

Icenfiree

I wouldn't have even posted that you have that much. But to each their own, I guess. I got out of everything for now. Just swapped it into stocks instead. We did the opposite lol and I DEF didn't have anything even remotely close to how much you just spent on BTC.

GlizzyGoose74

Selling 6 BTC in 2014.

MtGloomy0420

Well…when you figure out how to live inside a $BTC, let me know. Because risking your home, safety, and future place where your life can happen for $BTC is not only foolish, it’s a guaranteed recipe for unhappiness and misery. Good job, Sir! ;)

Calm-Professional103

I use Beans app on Stellar to earn yield on USDC and invest the yield weekly into yBTC, a yield-earning BTC proxy on Stellar.  Trading between the two is fast and cheap. 

Extreme_Exam7914

Yes great idea, DCA is great way to go at it, and your entering at a great time BTC is very low currently,

skapuntz

If only they used BTC for my bag to grow….

Ok_Dish1650

I'm 4 BTC short. I physically cannot handle another tweet driven pump out of the white house rn

RoofRich1571

Zcash? The 'Great Replacement' is going to be a short-lived one if the quantum threat is as imminent as the Google paper says. Most people don't realize that **zk-SNARKs** (the heart of Zcash privacy) are currently just as vulnerable to quantum computing as Bitcoin's ECDSA. Unless you're talking about a full migration to **zk-STARKs** (which are post-quantum but significantly 'bulkier'), moving your stack to Zcash is just swapping a transparent target for a private one that uses the same fundamental math. Plus, you're trading Bitcoin's decentralized security for a chain with a **dev tax** and a fraction of the hash rate. A quantum attacker doesn't even need to crack Zcash's encryption if they can just **51% attack** the network with a fraction of the power required for BTC. Is a 'private' collapse really better than a transparent one? Or are we just hoping that 'privacy' buys us an extra few weeks of hopium while the math underneath us dissolves?

Negative_Salt_4599

Idk I love BTC (whole coiner) but it went from 67-125 as the last top not even doubling. The days of sick BTC returns are done. ✔️ That being said if it drops to 45k at the end of this year great investment going into 2028..

rankinrez

Regular mining in BTC is just guessing numbers. It’s dumb and completely wasteful. If you can work out another puzzle that you can “prove” you spent time on, and is somehow useful to humanity, that would be a big improvement. The problem is how you prove you’ve been folding proteins or whatever, I’ve not looked into it.

RoofRich1571

That’s the common 'P2PKH shield' argument, but it falls apart the second you actually try to use the network in a post-quantum world. The '9-minute' crack time isn't just about scanning stagnant wallets; it's about the **Mempool**. As soon as you broadcast a transaction to move your 'safe' funds, your public key is exposed. If a quantum-capable attacker (or a state-run mining pool) can derive your private key from that broadcast and outbid your gas fee within that 9-minute window, they effectively own your 'safe' wallet. And let’s not forget the **1.1 million BTC in P2PK (legacy) addresses**, including Satoshi's. Those public keys are *already* baked into the ledger. They aren't 'usually empty'—they are the bedrock of the total supply. Claiming we’re 'fine' because the keys are hidden is like saying your house is secure because the burglars don't have a map—until you open the front door to leave, and they’re waiting with a supercomputer. Are we really suggesting the solution is 'never move your Bitcoin again' or 'hope the attacker's internet is slow'?

OldHamburger7923

Yeah people stop mining when the cost to mine exceeds the gains. That means more BTC to split across fewer miners so remaining people get more profitable as they have higher chance of mining a block. It works out fine without the price moving up or down.

Hit4Help

Bitcoin has an adjustable difficulty algorithm. If there is a sudden increase or decrease in hashing power the network adjusts accordingly. If suddenly many miners drop off because it's unaffordable then the difficulty drops, making it require less hash power, then if they all pile back on the difficulty increases. There is a break even point that outlines how much it approx costs to mine 1 BTC currently with the current hash requirements.

tenor_tymir

yes, why else would you invest? Excess gains is the main point of investing in BTC.

Fear_Blind83

It's just a promotion for Bitkey and CashApp.. You have to buy a Bitkey and then you can redeem $50 of BTC to your CashApp. BITCOIN FAUCET MY ARSE https://d325bmwzjz2yc7.cloudfront.net/bitkey.html

ReadingTheSign23

If they’re not tech savvy, ETF is honestly way easier. It just behaves like a normal investment account, no wallets, no seed phrases, no stress about messing something up. They can check it like any other stock. CEX is fine too, but you’re still dealing with accounts, transfers, maybe confusion around sending and fees. That’s usually where people get stuck. Really comes down to whether you want them to actually hold BTC or just get exposure. For most parents, simple usually wins.

Stats_DontCare0

First thing I’d say is slow down and don’t start poking around randomly, this is one of those cases where you can accidentally mess things up if you rush it. If it really is from 2009–2012, you’re probably looking for a wallet.dat file somewhere on that drive. The email part doesn’t matter, back then it was all local wallets. The big question is whether you encrypted it and if you remember that password at all, because if it’s encrypted and the password is gone, that’s the real bottleneck. Pulling the drive and making a full backup before doing anything else is solid advice. You can connect it to a Mac with an adapter or enclosure, but I’d honestly avoid modifying anything on the original drive and just work off a copy. If it was wiped, recovery is a maybe, not guaranteed. Depends how it was wiped and if data got overwritten. There are tools for that, but success varies a lot. Honestly if there’s even a chance there’s meaningful BTC on it, this might be one of the few times it’s worth getting a professional involved instead of DIY. I’d be paranoid about losing access permanently over a small mistake.

Stats_DontCare0

Feels a bit dramatic but not totally wrong either. Macro stuff like that can matter, but crypto doesn’t always react as cleanly as people expect. Sometimes it just does its own thing while everyone’s watching headlines. The $67k level is interesting though. Feels like one of those spots where both sides think they’re right until it suddenly moves hard and wipes one of them out. Also not convinced BTC instantly becomes a “safe haven” every time there’s geopolitical tension. We’ve seen it dump with everything else plenty of times. Curious to see if this time actually plays out differently or if it’s just another narrative people latch onto.

PedroJTrump

I would love to see a running clock of some sorts that has a live status of how much BTC there is on chain.

PedroJTrump

The thing I don’t understand is with all the BTC being removed from the exchanges since the introduction of ETFs, and also all the new wallets, how could it not be going up?

mokahless

Bruh, "not meaningful" CPU mining in 2011/2012 would probably have net at least 0.1BTC after a while or 0.01 after a bit. Not worth it for anyone back then of course, but worth looking back on now if you were stupid enough to do it then, and you hit an amount that your pool would actually payout. If you clicked "mine" in the default client though, that was about half as efficient as "modern" mining software back then and would have solo mined by default so prolly nothing unless in the window you're talking about.

SeemedGood

Gold is gold because it has been used as money for most of recorded human history. BTC is not (and thanks to Blockstream) will never be that. It’s not “digital gold” or anything like it. Rather, it’s just another speculative financial asset which is ultimately (thanks to Blockstream) controlled by the Banking Cartel.

u_spawnTrapd

If they’re not tech savvy, ETF is honestly the smoother experience. It just looks like any other stock in a brokerage account, so checking price and buying more feels familiar. CEX works too, but even the simple ones still have extra steps like transfers, 2FA, wallet stuff if they ever go that route. That’s usually where people get stuck or nervous. I’d think about whether they actually care about holding the BTC directly. If not, ETF is way less friction. If yes, then pick the simplest exchange possible and maybe walk them through it once so they’re not guessing later.

Few-Sky-976

$300K is not that much anymore, it is about 4 BTC now. I'd just do this: o 1. Open a Coinbase account. Get it all set up with your KYC info. Connect it to your banking account for future withdrawals. 2. Turn on the Advanced Tradi g toggle switch for better fees. 3. Have Claude explain how Coinbase lowers your fees every hour or so after a big trade. You enter your 1st larger trade as a "maker", then wait an hour, Coi base will lower your rate. 4. Make the next large maker trade, wait an hour, Coinbase will lower your rate again. 5. Claude taught us this strategy of DCAing our Bitcoin sales to sell at the lowest fees possible by taking advantage of how coinbase lowers their rates for higher volume traders. Those lower rates stay in effect for 30 days, too. 6. Coinbase is better at supplying clear tax reports at year end, which you will need. 7. We use Ledger for our hardware wallet. 8. You can get even better rates if you sign up for Coinbase One at $30/month, but it wasn't worth it for us. It might be worth it for you, though.

GooodNiightaringding

PQ alternatives for https and the like already exist, just waiting to be deployed. "Normal people" don't need to know about this stuff because it won't affect them. For crypto it's different. Even chains that switch to PQ in time still require user action. A vulnerable wallet cannot be "upgraded", it has to be replaced. So what do you do with wallets that don't switch in time?  And then you have chains that don't have a working PQ plan. Like, I don't know, Bitcoin? No matter how big of a BTC maxi you are, beyond acting like quantum computers are just FUD there is no way to avoid very difficult questions for a community that's historically had a difficult time making any meaningful changes to their chain. Of course this topic is especially relevant for crypto.

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Post is by: OkMagician7867 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sctzqz/ive_been_posting_daily_onchain_analysis_for_3/ 3 days ago I said BTC $65K is the most important level in crypto. That post blew up. So let me do something rare on this sub — actually come back and check my own work. What I got right: Smart money short divergence — confirmed for 30+ days now. Top trader ratio sits at 0.85 (short biased). Retail? 1.56 (long). This gap hasn't closed. It's widened. Every historical instance of this divergence lasting 30+ days resolved in favor of smart money. Every single one. Regime BEARISH — still confirmed. Daily EMA ribbon: 8 < 21 < 55. MACD histogram at -127.5. Nothing has flipped. BTC moved +0.44% in 48 hours. If you went long on Day 1, congratulations — you made less than a savings account. "Don't open new longs" — correct call three days running. Boring? Yes. Profitable? Also yes. Capital preservation is alpha when the trend is against you. What I got wrong: I missed geopolitical risk entirely. My system is on-chain focused, and Trump just dropped a 48-hour ultimatum on Iran. This is a potential black swan that doesn't care about support levels. If this escalates, BTC doesn't politely test $65K — it gaps straight through it. I also implied Fear & Greed would keep dropping. It bounced from 9 to 12. Still Extreme Fear, but I was wrong on the direction. I'm owning that. What changed today: BTC is at $67,121 and looks stable. That's the trap. Here's what's underneath: Smart money: still short (month straight) Retail: still leveraged long 4H MACD just flipped positive — this is the ONLY bullish micro-signal Bollinger Band width at 12.15% — a BIG move is coming, bands don't say which direction BTC difficulty up +3.87% while hash rate declines — miners under stress The 4H positive flip will make people think "reversal." It's not. It's a micro-bounce inside a macro downtrend. The kind that liquidates early longs before the real move. The $65K thesis still stands. But now there's a new variable: if Iran escalates in the next 48 hours, support levels become decorative. What I'm doing: Still zero BTC exposure. Position sizes cut 50% across everything. Watching Iran headlines more than charts today. If geopolitics calm down AND $65K holds with volume — first long entry. If either fails, $62,800. Three days ago I gave you the level. Today I'm telling you: the risk just upgraded from technical to geopolitical. And geopolitical risk doesn't respect your trendlines. What are you watching closer right now — charts or headlines? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

thatguy9158

It is literally always a good time to buy Bitcoin. Optimal time? Nobody knows. But it is always a good time to buy relative to non-Bitcoin options. Don't overthink it. Put all expendable cash in Bitcoin, and read "The Big Print" to get enlightened why, and then go find all the other ways to liquidate your other asset holdings and convert cash to BTC

flinginlead

Possible you use the BTC core wallet? If so the hard drive should have a wallet.dat on it. I would backup the hard drive first. Then see if the thing boots maybe you can simply log in and open up the wallet?

DecisionOne9006

That's why you need to start off with 2.5 million, then invest 300k into BTC. Duhhhh

isaacvictory

Bear market teach me on how to hold and sell not real token. BTC yield in coindepo is one of my smartest move and it offers high interest rate without locking your asset. Some sell out some hold tight.

justforgigs96

Great reminder. Worth noting that for those familiar with how Wealthfront does automated TLH for stocks - the same concept applies to Bitcoin but with an even bigger advantage. Since BTC isn't subject to wash sale rules you can sell and immediately rebuy, no 30 day wait required like with stocks. And for anyone dollar cost averaging regularly, the math gets compelling fast - BTC's volatility means there are almost always recent lots sitting at a loss relative to your purchase price. The spread cost on a sell/rebuy is typically a rounding error compared to the tax deduction you're capturing, especially if you're offsetting W-2 income at ordinary rates. The $3k annual deduction against income alone is worth thousands in real dollars depending on your bracket, and unused losses carry forward indefinitely.

AmazingfurnitureCT

Every day is a good day to buy BTC. Do it while you can

Rare_Rich6713

They have been saying this for years still BTC is still here. It’s best to buy early most especially now that it’s starting to gain relevance in Defi.

justforgigs96

Yeah so I'm personally super into this - if you have a large position especially it's wise (especially considering the tiny spread that exchanges take) & considering that if you're a W2 (in the US) $3,000 can be deducted against income & the rest carries forward indefinitely (so a $30,000 loss can carry forward for a super long time). The key insight is you sell and immediately rebuy, so your BTC exposure never actually changes — you're just resetting your cost basis and capturing the loss on paper. Considering the volatility of the asset, if you're dollar cost averaging, you're basically spinning off a few thousand per year in pure tax alpha.

dras333

😂 I asked this when I bought 10 at $1600 after spending 250 BTC for some weed and trashing a hard drive with 1000+ on it that still gives me anxiety to this day. It’s always the right time but never feels like it.

Bulky_Dingo_4706

BTC has been stagnant since March 2021.

justforgigs96

Great callout by the OP. The real unlock is combining this knowledge with automation - most people who know TLH exists still do it manually, which means they either miss the dip window or don't bother at all. When you systematize it you're essentially running a tax optimization engine on autopilot. BTC's volatility stops being a source of stress and starts being a mechanism the community is actively weaponizing

Bulky_Dingo_4706

BTC has been stagnant since 2021.

Hot_Variation6479

1MVL8Ni8wkAcz1UcRJTrrXx8d5qmrVcg5G BTC address

PovasTheOne

I checked my crypto after seeing this post and honestly, its still overvalued af. 2021 and more recently the 2024 pump and crash just soured me on this whole fucking market. I dont take it seriously at all and i think its as trust worthy as a gipsy. Fuck BTC too.

andys811

Exactly, why I said it's nuanced because saying mining is unprofitable is generally true but at the same time a false statement because it depends on a variety of factors, if your solo mining and hitting block after block, statistically improbable, but not impossible, or if you have dirt cheap electricity, or if the price of BTC goes up or the price or electricity goes down. If the amount of people in your mining pool decreases you'll get a larger percentage of rewards on mined blocks, and sure there's some other subtle that could affect profitability but saying it's not profitable is just dumb even if most miners are currently operating unprofitably. It's like saying football (soccer) players don't make money, sure a lot of people who play football don't make money, but the ones that do make a boatload and it would be silly to say that as a statement without highlighting the specifics

highlvlproblemsolver

Just to clarify, when you use Bitcoin to pay for something, the IRS treats that as a taxable disposal, same as selling it. Since BTC dropped between when you bought and when you spent it, you actually have a small capital loss you can claim. As for the 1099-DA, Cash App may not have issued one for multiple reasons (one would be reporting thresholds potentially), but you're still required to report it. I would recommend looking at options to automate this tracking process.

DekiEE

BTC is the smallest issue when encryption is cracked by QC. Banking, infrastructure and military would be the first targets. Also quantum proofing the protocol would be a non issue if it would be on the horizon. There would need to be a cut off and fork for old wallets not being updated, but this would be a small price to pay. Also, quantum computing is the new nuclear fission. It’ll be ready to use soon ™️