Hard Money Dispatch

What would healthcare look like if it ran on sound money?

In this episode, I sit down with Jon Gordon, founder of Sound HSA and one of the most thoughtful people working at the intersection of Bitcoin and healthcare. Jon spent years in healthcare strategy before recognizing that many of the system's deepest problems, from misaligned incentives to broken data privacy, trace back to the money itself.

Now he's building solutions. Sound HSA is a Bitcoin-native Health Savings Account where real bitcoin is held in multi-signature vaults, not paper exposure, not IOUs. Jon walks through exactly how it works, who the custodial partners are, and why he believes HSAs are one of the most overlooked tax-advantaged vehicles in personal finance.

We also get into Nostr and the Web of Trust model for healthcare data. If you've ever wondered what a world looks like where patients actually own their medical records and control who sees them, Jon has a concrete vision for that. He explains how NOSTER's protocol could replace the fragmented, privacy-hostile systems that hospitals and insurers currently rely on.

Then there's Move to Earn, a wellness incentive model that rewards people in sats for staying active. Jon breaks down how this works in practice and why he thinks Bitcoin-denominated incentives align better with long-term health outcomes than anything the insurance industry has tried.

Finally, we talk about what Jon has been building on the ground in Chicago, from local meetups to helping medical practices accept Bitcoin payments using tools like ZapRite and Strike.

Topics covered:

Connect with Jon Gordon: X/Twitter: https://twitter.com/BitcoinYogi Sound HSA: https://soundhsa.com/

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What happens when a professional chess player with a Master's in Financial Engineering starts applying quantitative modeling to Bitcoin mining and solar energy in emerging markets?

In this episode, I sit down with Besa Masaiti, founder of Rehoboth Research, a Pennsylvania-based firm that provides data-driven intelligence for complex infrastructure projects. Besa's work focuses on de-risking renewable energy and high-compute operations in places most analysts aren't even looking at yet, including Botswana, where government energy initiatives are creating real opportunities at the intersection of Bitcoin mining and solar development.

We get into how her background in chess shaped the way she thinks about risk, pattern recognition, and decision-making under uncertainty. We talk about what "bankable decisions" actually means when you're trying to convince a lender that a solar-powered mining operation in sub-Saharan Africa is viable. And we discuss why policy and legislation are the most underappreciated variables in infrastructure development.

Topics covered:

Learn more about Rehoboth Research: https://rehobothresearch.org/

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What if Bitcoin's biggest long-term vulnerability isn't quantum computers or regulation, but the fact that almost every node on the network runs the same software?

Gil Roberts returns to Hard Money Dispatch, this time joined by Josh (aka Secure Sovereign) from Bitcoin Commons, to talk about something that rarely gets discussed in Bitcoin circles: the case for multiple node implementations.

They've built something genuinely new. A modular, mathematically verified Bitcoin node that can be forked without triggering a civil war. The architecture is designed from scratch to allow different groups to customize and extend the software without destabilizing consensus. AI plays a key role in the verification process, making the kind of rigorous formal proofs that would have been impossibly expensive just a few years ago now actually feasible.

We get into:

This is a conversation about the future of Bitcoin's foundation. Not the price. Not the cycle. The code that everything else depends on.

If you want a say in where the network goes, run a node. If you want to understand what the next generation of node software might look like, listen to this episode.

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Bitcoin Commons: https://thebitcoincommons.org BTCDecoded: https://btcdecoded.org Gil Roberts' writings: https://gilroberts.net

Chapters 00:00 Introduction to Bitcoin Commons and Node Software 07:46 Building a 0% Core Node Implementation 17:01 Creating a Market for Alternatives 26:28 The Role of AI in Bitcoin Development 33:05 Attracting Investment and Future Prospects 33:45 Funding Disparities in Crypto 35:34 Deployment and Testing 37:16 Innovating Without Disturbing Bitcoin 38:29 Defining Use Cases 41:55 The Importance of Node Diversity 44:15 Quantum Threats and Bitcoin's Security 47:43 Engineering Constraints and Governance 51:42 AI's Role in Development 59:00 The Future of Bitcoin Implementations

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Sanjay Mavinkurve spent 20 years at Google, led product design at Block's bitcoin division under Jack Dorsey, orange-pilled the author of "The Bullish Case for Bitcoin," and was the first programmer to write code for what eventually became the Facebook origin story. Now he's building Sovana, a company that lets property owners convert their home equity into bitcoin exposure, with no money down, no monthly payments, and no interest.

In this episode, we get into Sanjay's path from Big Tech to bitcoin, what made him walk away from one of the most comfortable careers in Silicon Valley, and why he believes the majority of American wealth is sitting idle in real estate when it could be working in the hardest money ever created.

We break down how Sovana's model actually works. It's structured as an investment partnership, not a loan. Sovana puts up the capital to buy bitcoin on your behalf, secured by your home equity. If bitcoin goes up, you keep half the gains. If it goes down, losses come out of your equity. No HELOC, no debt payments, no credit check.

We also talk about:

Whether you own property and have been looking for a way to gain bitcoin exposure without selling assets or taking on debt, or you're just curious about how bitcoin-native financial products are evolving, this one's worth your time.

Visit Sovana: https://www.sovana.io/

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What if you could borrow against your Bitcoin without ever giving up your keys?

On this episode of Hard Money Dispatch, I sit down with Kevin Bell to discuss Kadena Bitcoin, a platform building peer-to-peer Bitcoin lending with full self-custody. No middlemen. No custodial risk. Just borrowers and lenders interacting directly, with Bitcoin as collateral that never leaves your control.

We get into why Bitcoin needs functioning credit markets to reach its full potential, how Kadena's model eliminates the counterparty risk that destroyed platforms like Celsius and BlockFi, and what it means for Bitcoin to offer fixed yield that can attract capital from traditional finance.

Kevin also breaks down how Kadena's collateral pool system works, their loan-to-value options, and why there are no liquidations until the end of a loan term. Plus, we discuss Kadena 2.0 and what's coming next as Bitcoin lending matures.

If you believe in a future where Bitcoin serves as the foundation of a new financial system, this conversation is worth your time.

Topics covered:

Connect with Kevin Bell and Cadena Bitcoin: https://cadenabitcoin.com/

https://x.com/cadenabitcoin

https://cadenabitcoin.com

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Are you a renter or property owner curious about how financial innovation can transform the rental experience? This episode dives into Stake's mission to help renters build wealth through cash back, loyalty programs, and smarter rent management—benefiting both tenants and landlords.

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In this episode, Charlie Andrys shares his journey into Bitcoin, insights from his hands-on experience in Bitcoin mining, and innovative strategies for integrating Bitcoin into retirement planning and investment portfolios. Discover how Bitcoin's unique properties can be leveraged for long-term wealth preservation and the future of financial systems.

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Check out 21st Financial: https://21stfinancialadvisors.com/

This cycle isn’t behaving the way it “should.”

In this solo episode of Hard Money Dispatch, I unpack the anomalies defining this Bitcoin bear market — from the unusual two-year run before a red candle, to the fact that the ISM Manufacturing Index never peaked the way it has in past cycles. Even more puzzling: Bitcoin’s historic correlation with global M2 liquidity has broken down. If price truly tracked money printing, we’d be much higher.

So what gives?

We explore the possibility that correlations are shifting, derivatives are distorting price discovery, and this bear market could be shorter — or simply different — than anything we’ve seen before. Historically, extended streaks of red months have preceded major rallies. But history doesn’t guarantee repetition.

More important than predicting the bottom is mastering your psychology.

Drawing from Trading in the Zone, I share the hard truth: everything changes when real money is on the line. Risk management, stop losses, hedging, and emotional discipline matter more than bold forecasts. Conviction without a plan is just hope.

We also revisit the difference between Bitcoin the protocol and BTC the asset — the highway and the car — and why digital scarcity and permissionless hard money remain the foundation beneath all short-term volatility.

The takeaway: in a cycle full of broken patterns, humility and self-awareness are alpha. Manage your risk. Know your bias. Zoom out.

Because Bitcoin isn’t just a trade — it’s a lens for understanding the system itself.

In this episode of Hard Money Dispatch, host Brian Nibley speaks with Nick Slettengren, founder of Count on Sheep, about his journey from a successful marketing entrepreneur to a crypto tax advisor. They discuss the emotional complexities of business exits, the allure of cryptocurrency, and the often-overlooked challenges of crypto taxation.

Nick shares his personal experiences with crypto taxes, the common mistakes people make, and the importance of accurate reporting and reconciliation. He emphasizes the need for tax optimization strategies and the mission behind his company to provide clarity in the crypto space.

Sign up for Count On Sheep here to get professional help with digital asset reconciliation and tax filing, including audit protection and more: https://share.countonsheep.com/7fGPHS

Check out CoinTracker to help with your crypto tax info: https://cointracker.sjv.io/POXQkQ

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In this episode of Hard Money Dispatch, Brian Nibley interviews Scott Marmoll, a seasoned investment professional who transitioned from traditional finance to the Bitcoin space. Scott discusses his journey, the differences in investment decisions between Bitcoiners and traditional entrepreneurs, and the implications of capital allocation in a Bitcoin world. He emphasizes the importance of financial clarity and discipline for Bitcoin-aligned businesses and explores the dynamics of mergers and acquisitions in a Bitcoin framework. The conversation also touches on personal Bitcoin journeys, market sentiment, and the future of Bitcoin.

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View my YouTube channel: https://www.youtube.com/@BrianNibley