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The Bilt 2.0 Product Disaster
A case study in what not to do when your product has to get worse.
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Stop Writing PRDs
Why are you still writing PRDs? I've spent a large part of my career writing product requirement documents. Writing them, updating them, and maintaining them as they "evolved" was a real time sink. The goal was always the same: make sure you're building the
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AI is a Superpower, Actually
Last month my check engine light came on. A year ago, I would have driven to the mechanic, described the light, and waited for a diagnosis I couldn't evaluate. Or maybe I'd have tried YouTubing it, Googling it, reading the manual, then given up and gone
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How Banks Can Responsibly Adopt Digital Assets
A growing share of bank customers hold real savings outside the traditional system. The institutions that learn to see it will win the next generation of lending.
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A Year in Review: 2025 Reflections and 2026 Thinking
Every year I write this to see where my thinking held up — and where it didn’t. A candid look back at 2025 and how it’s shaping my view of what comes next.
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2025 Digital Asset Year in Review
Bitcoin’s price may have stalled in 2025, but the foundations didn’t. Behind the sideways charts, policy clarity, institutional adoption, and real products quietly pushed Bitcoin closer to the financial mainstream than ever before.
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Bitcoin: The Superior Reserve Asset
What drives me every day at Hoseki: building tools that help people see their savings as a better future — something that can be used on their own terms, for the things that matter most to them.
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Bitcoin Financialization Is Accelerating
Bitcoin is the best form of capital ever created, and financialization is how it unlocks opportunities once reserved for the wealthy. The tools emerging today are only the beginning
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2024 Reflections & 2025 Predictions
2024 Prediction Reflections Politics Democrats & 2024 Election * “Democrats’ attempt to stifle democracy will likely put Trump in the White House. If not, some real sketchy stuff would need to happen to keep him out.” This prediction was exactly right. The assassination attempt on Trump seemed to be the final
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Election Prediction & My Vote
Today is Election Day here in the US, and it's a big deal. As of now, this is my bet on the vote: For myself, as I did in 2020, I will be voting for Donald Trump. My biggest reasons for this are as follows: 1. Dismantling the
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Quick Thoughts on the Electoral College
I would say we should have civics tests, but I probably wouldnt trust who would administer them.
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What makes a Historian?
Martyrmade living up to his name in the name of history.