According to who, Bill? Are you the all knowing expert who decides where markets go and what’s right for everyone else? If Bitcoin doesn’t drop 80% and instead hits $200k next year, then what? None of us know the future. That’s exactly my point, our products are not about predicting markets on behalf of others, it’s about building reliable, transparent, and trustworthy tools so people can choose how to use them. Our job is to support Bitcoiners, not dictate to them.

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I was there last bull, same time of the year even, when suddenly everyone was launching a bitcoin backed loan product and talking about a Supercycle. Then 4 years of radio silence by the lenders and suddenly I'm seeing lending all over my feed again. Anyone reading your posts about your lending product deserves to know the history of lending product launches that you are leaving out.