Bitcoin Financialization Is Accelerating

Originally wrote about this on the Hoseki blog, but I wanted to preserve it here with a few personal thoughts.

Something we’ve been heads down on — and that I’m personally really excited about — is the idea that since Bitcoin is the best form of capital that’s ever existed, the real power shows up once it’s financialized.

Now, I know the word financialized can sound like a dirty word. It often carries bad connotations — especially in the Bitcoin space, where it can be seen as scammy, manipulative, or just another way to “game the system.” I don’t see it that way. To me, financialization is simply about how you can use Bitcoin as an asset. Yes, there are strategies and tools that aren’t common knowledge, and yes, some of them can look like games. But the exciting part isn’t the games — it’s about taking the kinds of financial technology and leverage that only high-net-worth individuals have historically had access to and making them available to anyone who saves in the best form of property that’s ever existed.

So to me, financialization isn’t a dirty word. It means: how do I use this property, this asset, without selling it — and what financial benefits can I unlock by doing so?

Because Bitcoin is digital, self-custodial, counterparty-free, and infinitely divisible, the potential here is extraordinary. Unlike traditional assets, it can be moved instantly, anywhere in the world, without permission. That means the kinds of portfolio strategies that private bankers use for the wealthy today — delegating assets, collateralizing them, optimizing their financial footprint — can happen at Bitcoin speed, accessible to anyone with savings in this asset.

That’s what excites me about being at the forefront of this shift with Hoseki. We’re building tools to help Bitcoiners actually participate in this new era of capital use — one where financialization is democratized and sovereignty isn’t compromised.

The Coinbase credit card announcement feels like the first real step in that direction. Not just another rewards product, but the first mainstream financial tool where simply holding Bitcoin gives you privileges others don’t have. It’s not about taking on debt or pledging your stack directly — it’s about being recognized as someone with valuable capital and being rewarded for it. That’s a huge shift.

To me, Coinbase’s card is just the first signpost. The real wave of Bitcoin financialization is still ahead — and it won’t be limited to rewards cards. Think mortgages, better loan terms, and entirely new products designed specifically for Bitcoin holders. The opportunities that high-net-worth individuals once needed private bankers to access are about to open up to anyone who chooses to save in Bitcoin.

You can read the full original version here on Hoseki’s blog.