Johnny Reinsch

I'm building @OnchainEstate (Tomorrow Labs) with James Tse to save your digital assets from death and taxes. A wallet for all your digital assets with built in succession.

Full (un-gated) white paper: tomorrow.xyz/research/tech-…

In the most important moment of a founder's professional life, they can give away $135M needlessly. Founders will spend months shaving 200ms off a transaction. Optimizing every detail of their tech and their company. And not a single hour planning for what happens when they make it. I got curious about how the ultra wealthy actually manage their money. Not the X version. The real playbook. Part of it was personal. Through @OnchainEstate and my own family I've spent the last year deep in probate, estate planning, and digital asset succession. My own case is dead simple. I wanted to see the other end of the spectrum. What does the playbook look like for a founder staring down a nine-figure liquidity event? So I spent months researching the strategies the ultra wealthy use for tax and legacy planning. Way out of my depth. Fortunate to have Jim Gersack and Mike Kato at General Catalyst Wealth as sounding boards. The output is a comprehensive playbook for anyone looking at a potential liquidity event, told through the eyes of a hypothetical WILDLY successful founder. Meet Alex. Stanford dropout. $180K in student loans. Paying himself $8K a month while building a stablecoin infrastructure company. 18 months from a $300M exit. No estate plan. No trust. No idea what's coming. We ran two paths. Path 1: Alex does what most founders do. Waits until the deal closes to think about any of this. Keeps $125M after taxes and estate costs. An incredible outcome, to be sure. Path 2: Alex starts planning 12 months before the liquidity event. Roughly 10 hours of work in month one, then periodic check-ins. Keeps $260M. Funds his parents' retirement. Pays off his sister's med school debt. Deploys $300M+ to charitable giving over his lifetime. Same exit. $135M difference. Probably the highest ROI thing any founder can do. At the core of this difference is answering three questions early enough to actually act on them: - What happens to your assets if you die or lose capacity tomorrow? - What causes will receive your capital during your lifetime? - What does generational success look like for your family? The paper walks through the planning structures in detail. GRATs. Dynasty trusts. QSBS stacking. CRTs. But my takeaway was that these are just tools. The hard part is knowing what you're actually optimizing for, and starting early enough that the tools still work. If you're 12-18 months from a liquidity event, or you just want to see what the real playbook looks like, the full paper is below.

@Shilllin @Pumpfun @donatedotgg Short answer is tax treatment

@Pumpfun @donatedotgg Why include a middleman in donation That is the whole point of crypto to eliminate the middle man thus the users win You’re just re inviting the problem

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@lex_node @cptgrumpus THIS^

@cptgrumpus tax reasons, can donate directly to charities so it's never your income first...

people hating on this are a special kind of hopeless

@mdudas @solana Why anyone thought going public was a good idea was always far beyond me. You're just adding costs and contingent liabilities to holding the asset outright.

@dara_venture The conference format's current form is over. Bullish IRL events though

The conference circuit is a tax on real builders. Token2049 Singapore. Token2049 Dubai. Consensus. Bitcoin Vegas. ETHCC. ETHDenver. Mainnet. Permissionless. Breakpoint. Devcon. KBW. SmartCon. The Surreal in Lisbon, Crecimiento in Buenos Aires, the AI x Crypto thing in Berlin, the dinner you got invited to in Hong Kong................... Per founder, per year, this circuit costs roughly 40 to 60k in flights, hotels, and side event sponsorships, plus 60 to 90 working days lost to travel. That cost is paid out of the same round you raised to ship the product. Not one of these conferences has produced a meaningful consumer outcome in three years. Not one. If you are a founder reading this, the most contrarian thing you can do in 2026 is skip every single one of them and put the time into the product. The other founders winning are the ones who already figured this out and stopped going two years ago. You don't see them on the panel circuit because they are at home, building and speaking to customers and lawmakers. The conference industry is the largest unaudited tax on early stage crypto companies and we have all decided to pay it. The alternative is to admit we never needed to be there in the first place......which is my conclusion.

@mcagney Interesting. I'd build it around a wealth influencer with a big audience with Gen Z. Digital wallet + card program with high cash back rewards at the POS.

Ok - a few years back, we launched a SPAC - FACA. At the time, the SPAC market turned south, and while we had some interesting acquisition targets, we felt any transaction would not hold the $10 par value and chose to return the capital rather than launch a deal where we got paid but investors lost money. Ironically, I think that made us one of the better performing SPACs in that peer group. We are considering trying this again. The idea would be to launch a SPAC that could acquire an entity that could derive significant enterprise value from some combination of Connect, Democratized Prime and YLDS. That could be an asset originator that can benefit from the Connect/Democratized Prime capital market, a fintech that could swap its ledger to YLDS, among others. And of course, we'd dual list the SPAC and the resulting company on OPEN. The goal here is to triple dip. We can make money for Figure shareholders on the SPAC economics, we drive more usage on the Figure ecosystem and we get another listing on OPEN. While I like the idea, we also have a lot going on, and we are executing in rare air - 100% growth rate, 50% EBITDA margins - blowing way past the "rule of 40". I'm curious what the X universe thinks. Let me know below...

@lex_node You're my quintessential ICP... youtube.com/watch?v=5GWU6J…

everything i do is just to afford more shih tzus they are hungry hanging out by the fridge use MetaLeX for your seed round

@mdudas Maybe. Using agents as glue between deterministic / opinionated software works REALLY well and is super cheap. I'm not even technical. I'm not even writing this. Am I?

Conferences are so tired. Let's just stop already

@mannyornothing Buy now pay _LESS_ 🚀

Who is building buy now pay later on chain. DM me

@big_duca Path 3: build stuff to give yourself personal leverage. Customer complaints only live inside your head

A lot of people will vibe code something. And then when they have to start to market and get users, they realize it is so damn hard. At that point you have two options: 1) Actually do the hard part 2) Vibe code something else Most people opt for #2.

AI has hit the "mortgage your home to buy more bitcoin" part of the cycle 🚀 businessinsider.com/trade-his-4-8-…

@jensenhaji English majors are finally going to have their moment

Read a line that stuck with me: “jargon makes the mind go gray” A lot of crypto brand language is written to sound like a subject matter expert, not to be understood. Maybe the gap isn’t marketing, it’s writing. How do you filter for better writers?

@dara_venture Why raise VC anymore at all?

Two stats that should end most founder fundraising strategies: 1.Roughly 10% of all venture funds are actively deploying capital at any given time. 2.Most VCs write checks of about 1-2% of fund size, full stop. 90% of the names on your CRM/outreach program are dead money and the live ones can only write a check that fits a specific math problem you have no visibility into. The fundraising "process" is mostly founders rowing furiously past funds that will never invest. The system is not necessarily broken for VCs. It's systematically broken for everyone else.

@big_duca !00%

Maybe I’m ngmi. But I stoped trying to run agent tasks over night. Half the time it just burns tokens and the output is shit. So you spend with no ROI. Maybe that changes soon but right now it’s just a money pit.

@dara_venture That's why you exist

My dad asked me what I do and I said I give money to 24 year olds who think they're going to replace JP Morgan. he said "and do they" and I said "no but sometimes the 24 year olds sell to JP Morgan" and he nodded like that made sense. it doesn't. none of this makes sense.

One of the most honest takes about VC value (beyond capital) I've ever seen. Bullish VCs with self awareness @dotcuriouscat 🙌

Strip out capital—what do VCs have to offer?

@lex_node @andyyy The larpers leave while throwing shade every four years... then come roaring back.

it's really not and anyone saying this is showing their true colors the failures from this tradfi/neobank wave of people building crypto stuff with zero real concept of or belief in why something should use crypto rails will be enormous and the ones that survive will be those that understood crypto ethos and how to fuse it with the real world meaningfully, which will come from people with 'crypto tenure' mostly

An interesting line I heard at an event this week: "Tenure in crypto is a liability now, not an asset"