Rolf Haag

@PeoplesReserve This is very cool

Yes. SRM is still a mortgage. Monthly P&I paid in USD like any other mortgage. No prepayment penalties. $BTC appreciation just adds extra on top: → Rate drops as collateral ratio improves → Excess collateral can be withdrawn or applied to principal Pay it down in fiat. Pay it down with $BTC gains. Or both. Your call. More optionality, not less.

A $500,000 home at 6% APR over 30 years costs $1,078,836 total. You pay $578,836 in interest alone. That's the cost of borrowing in a fiat system, you hand the bank more than the house is worth just to live in it. SRM works differently. → Post 1:1 Bitcoin as collateral. → Rate drops to as low as 3% APR. → No credit check. → No income verification. Bitcoin stays 100% yours, multisig custody, never rehypothecated. As your $BTC appreciates, you can withdraw excess collateral or use it to pay down principal, effectively letting asset appreciation pay your mortgage. The mortgage gets cheaper as Bitcoin gets more valuable. Legacy finance built a system where debt compounds against you. We built one where Bitcoin compounds for you. Unlock your $BTC’s full purchasing power, without selling a single sat ⚡ Build Wealth Smarter.

@PeoplesReserve Borrower has the option to pay down the loan over time with ‘outside’ fiat instead of BTC appreciation?

@RolfHaag With SRM, you actively manage collateral over life of the loan. You dont have to ever sell it unless you default on the mortgage. At the end of the loan you get back 100% of your $BTC collateral.

Coinbase is testing AI agents that show up in slack/email at work, just like any human teammate. To start we're shipping two which are modeled after legendary former Coinbase employees, @FEhrsam and @balajis. (Who brutally frame mogged who in this matchup?) Soon, it will be easy for any employee to spin up a new agent for themselves or their team. I suspect we will have more agents than human employees at some point soon.

@iam_elias1 @garrytan Is this something a non-engineer product person can run? Need to look into this.

The CEO of Y Combinator just open-sourced his entire AI development setup. And it is already at 72,600 stars on GitHub. Garry Tan runs Y Combinator. He has worked with Coinbase, Instacart, and Rippling when they were two people in a garage. Before that he was one of the first engineers at Palantir. He has seen more startups build product than almost anyone alive. He is now shipping 10,000 to 20,000 lines of production code per day. Part-time. While running YC full-time. In the last 60 days alone: 600,000 lines of production code. 35% of it tests. That number is not a typo. Here is exactly how he does it. He built a system called gstack — 23 AI tools that turn Claude Code into a full engineering team. He open-sourced the entire thing. Free. MIT license. One command to install. And then he posted the quote that explains why he built it: "I don't think I've typed like a line of code probably since December, basically, which is an extremely large change." — Andrej Karpathy, March 2026. When Tan heard that, he wanted to find out how. The result is gstack. Here is what the 23 tools actually do. There is a CEO tool that challenges your product framing before you write a line of code. It does not just approve your idea. It finds the 10-star product hiding inside what you described and pushes back on everything you got wrong. There is an engineering manager that locks architecture, draws ASCII diagrams of data flow, and forces hidden assumptions into the open before anything gets built. There is a designer that rates every design decision on a 0 to 10 scale, explains what a 10 looks like, and edits the plan until it gets there. It also has AI slop detection. It catches the generic AI output that looks fine and ships badly. There is a QA lead that opens a real browser, clicks through your actual app, finds bugs, writes regression tests, and verifies the fix. Not a simulation. A real browser. There is a security officer that runs OWASP Top 10 and STRIDE threat modeling with 17 false positive exclusions built in, so you only see findings that actually matter. There is a release engineer that syncs main, runs tests, audits coverage, pushes, and opens the PR. One command from approved to shipped. And then there is something Tan says was the biggest unlock of all. You can run 10 to 15 of these sprints in parallel. Each one in its own isolated workspace. One agent challenging a product idea. One implementing a feature. One doing QA on staging. Six more on separate branches. All at the same time. Tan's GitHub contribution graph for 2026 is a vertical wall. In 2013, building Bookface at YC from scratch, he made 772 contributions in a year. In 2026, he is at 1,237 — and still climbing. Same person. Different era. The difference is the tooling. One more thing. In the README, Tan quotes the number directly: 140,751 lines added. 362 commits. 115,000 net lines of code. In one week. Part-time. That is not what a solo developer looks like. That is what a team looks like. Except it is one person with 23 AI specialists and a GitHub repo you can clone right now for free. github.com/garrytan/gstack

Excited to share that Ramp Stablecoin Accounts are now in public beta. Ramp customers can now: 1. Hold stables on Ramp 2. Earn rewards on stable balances 3. Pay vendors & employees worldwide in USDC 4. Pay off Ramp Card + USD payments using stables 5. Use one system for both fiat + stable obligations with the same approvals, controls, and accounting We are bullish on the institutional adoption of stablecoins and to bring stable technology to Ramp customers.

BREAKING: 🇺🇸Square to enable bitcoin lightning payments as default for over 4 million merchants ⚡️ Square will auto-enable Bitcoin payments for all eligible partners starting March 30, 2026. A Terms of Service notice was sent to merchants registered with Square's POS solutions. This means over four million businesses using Square could become Bitcoin accepting merchants overnight. Up until now, business owners had to manually activate bitcoin payments and decide whether to auto-convert to USD or keep in BTC. The rollout is part of Block’s push to integrate Bitcoin payments across its ecosystem including CashApp, leveraging the Lightning Network instant, low-cost transactions. Sellers will still have the option to disable the feature or automatically convert Bitcoin to USD at the point of sale. @Square

Wow this is great. Auto reliability check independent of the provider, across many providers.

BREAKING: SQUARE TO AUTO-ENABLE BITCOIN PAYMENTS FOR MILLIONS OF SELLERS Square will auto-enable Bitcoin payments for all eligible sellers starting March 30, 2026, according to an updated Terms of Service notice sent to users. The change means millions of businesses using Square could soon begin accepting Bitcoin by default, rather than opting in manually. The rollout is part of Block’s broader push to integrate Bitcoin payments across its ecosystem, leveraging the Lightning Network for fast, low-cost transactions. Sellers will still have the option to disable the feature or automatically convert Bitcoin to USD at the point of sale. With Square powering millions of merchants globally, this marks a major step toward making Bitcoin a standard payment method in everyday commerce.

Oracle is confirmed cutting 20,000-30,000 jobs but sources inside are saying the real number is closer to 45,000 I'm hearing this isn't just about AI data center costs Word is they've been running pilot programs with AI agents doing database administration work for 8 months One source told me a team of 47 DBAs in Austin got replaced by 3 senior architects plus automated Oracle Cloud Infrastructure management The agents are handling routine maintenance, performance tuning, backup verification - stuff that used to require armies of L4 and L5 engineers Internal metrics show the AI systems are catching 94% of database issues before human intervention needed But here's the terrifying part: they're not just cutting the obvious roles I'm hearing entire solution engineering teams are getting eliminated - the people who customize implementations for enterprise clients Apparently the new AI workflow can generate custom database schemas and migration plans in 6 hours instead of 6 weeks One insider said they watched a 12-person team that handled Fortune 500 implementations get told their roles were "redundant effective immediately" The severance packages are allegedly massive - 18 months salary plus equity vesting acceleration But that's because Oracle knows these people can't find equivalent work anywhere Every other enterprise software company is running the same playbook One source said it best: "We're not getting laid off, we're getting archived"

How Bitcoin becomes private enough for Central Banks?

the most underrated hire right now is a great product person. when i say product person i'm def not talking about a product manager. perhaps i think there has to be somewhat of a new role. i don't have a good name for it yet but maybe something like "product thinker".. someone with an intuitive grasp of the product as it exists, where it's soft, where it sings, & how to iterate it toward something even sharper. in some sense, this person has to cohesively hold in their head where this product should be 2 years from now & work backwards from that. i say this cuz when building was hard, engineering was the bottleneck & the status hierarchy often reflected that. building is no longer hard. which means the variance in outcomes has shifted almost entirely to judgment on what to build, how to sequence it, & how to talk about it. & the story matters as much as the thing. internally, it organizes the team around a shared model of why. externally, it shapes the interpretive frame users bring to their first experience. you can't retrofit narrative onto a product & expect it to land, it has to be load bearing from the start. the rarest version of this person sits at the intersection of culture & deep technology. someone genuinely bilingual. they know what's technically possible & they know which cultural currents are real vs. ephemeral. that combo is what separates products that feel inevitable from products that feel assembled. before ppl clap back with this person has always been valuable, i know.. i am just saying now they might be the most *important* person in the room. their value compounds like never before.

An engineer at Anthropic wrote a spec, pointed Claude at an Asana board, and went home. Claude broke the spec into tickets, spawned agents for each one, and they started building independently. When the agent is confused it runs git-blame and messages the right engineers in Slack. By Monday the agents finished the plugin feature. That's one example of how the best engineers are shipping software right now. Developers will soon orchestrate 50 AI agents in parallel and the difference between a good engineer & a great one would come down to specs. You can't write a spec that holds up at that scale without genuinely understanding what you're building at a deeper level. The next-gen developer who understands the fundamentals, can architect well and orchestrate agent is going to be a 1000x developer!

@KennyAlves94133 So I buy STRC at 100 Collect 10 in yield tax free after 1 yr I sell STRC at 100, cost basis of 90 Pay capital gains on 10?

@RolfHaag All of strategy’s preferred stocks are classified as ROC dividends ( Return of Capital ) each dividend payment lowers the cost basis by the dividend payment amount until the original investment is recouped.

When you integrate Digital Credit like $STRC into real estate, you unlock a new revenue stream: Digital Rents. This ancillary income is tax-deferred and can quickly become the primary cash flow. Digital Real Estate is engineered, constructed, leased, and stabilized in seconds ultimately compressing financing cycles from decades to days.

Vibe coding gives non-engineers a real edge. You must think in English, explain intent, and tolerate ambiguity. That’s UNCOMFORTABLE AF for many engineers trained in exactness. Non-coders often outperform because they: • articulate goals clearly • experiment with prompts • manage context • work with imperfect tools AI rewards communication, not syntax.

My keynote at @Lightspark Sync earlier this week. Learn how we built products and technologies to make Bitcoin the standard open protocol to move money (fiat, stablecoins, and ofc BTC) 24/7, in realtime globally, at the lowest cost.

Succinct

@0xGhstx I like “silent backbone of global payments”! I might reuse that!

I was going to put this article behind a paywall but I want to make sure as many people read it as possible. If you have a young son, brother, nephew, or grandson, please forward it to him! My Honest Advice For Gen Z Men: realtalkwithzuby.com/p/my-honest-ad…