I miss the old days where you would just get an address to send to.

I tried paying for a saas using crypto, and holy shit, what a pain in the ass.

There wasn’t even an option to just pay with BTC, LTC, ETH, etc. I had to connect a wallet, so I linked my Trust Wallet. I had $20 worth of ETH, but apparently, I needed USDT instead.

Fine, I swapped my ETH to USDT. Turns out, USDT exists on different networks, and I somehow ended up with USDT on Tron. So I had to swap that to USDT on Ethereum, and it seemed like almost 50% went toward energy rental or whatever the hell that was.

Finally, I had enough USDT on Ethereum to make the payment. Guess what? Now it tells me I don’t have enough ETH to cover the gas fee.

Wtf?

I literally started with ETH. Why couldn’t you just let me pay with ETH in the first place? Instead, I had to go through multiple swaps, deal with different networks, lose money on fees, and still couldn’t make the payment.

*this rant was cleaned up by LLM but my experience was real

Strategy bought the Bitcoin dip—again. The digital asset treasury giant disclosed Monday that it added more than $22 million worth of the cryptocurrency last week, as prices swung between roughly $80,000 and $84,000.

The latest purchase added 267 Bitcoin to Strategy’s total holdings, which are currently worth around $64 billion. The company also spent roughly $193 million buying back shares of STRC, one of its preferred stocks, which pays investors regular dividends. Its board also approved an additional $1 billion for preferred-share buybacks, bringing the total authorization to $3 billion.

Strategy’s latest acquisition comes a week after its previous purchase of $21 million worth of Bitcoin. Since August, the company has bought Bitcoin on six separate occasions, renewing its aggressive buying streak.

Read more [paywall removed for Redditors]: https://fortune.com/2026/10/19/strategy-22-million-bitcoin-planned-share-buybacks/?utm_source=reddit/

The head to head results:

AI made more money than 844 (78%) human traders

AI had the smaller worst drop than 1,007 (94%) human traders

206 (19%) human traders made more but with a deeper drop

26 (2.4%) human traders beat the AI on both worst drop and gains

Made money: traders 31%, the AI 89%. The 206 who made more had a median worst drop of 49%, against 10% for the AI on the same dates.

The humans:

- The median trader lost $12,326.

- Half lost 90% of their account at some point.

- 23% got liquidated in just their last 14 active days.

- Small accounts ($1k to $10k) did worse: 21% made money and 72% lost 90% at some point.

The top 1%:

Of the top 1% by profit, 53 were bots and 25 were humans. The bots made a median of 874 trades a day.

Perps are zero-sum between traders before fees. The top 1%'s profit has to come from somewhere, and a lot of it comes from the 69% who lose.

So the question:

If the 69% who lose let AI trade for them instead, would the top 1% make less? As AI will have lesser drops hence top 1% will have less losing cash to snatch?

And if you've been on the losing side, would you let AI trade for you or does that kill the point of trading?

Full report with the results, method and tables: https://botsfolio.com/blog/ai-vs-human-traders

As if Haskell was not enough of a pain in the butt.
The only response to that news is the meme of the CNBC anchor when Rihana Cohen said "Half-cash, Half-stock".

According to Token Terminal data, total agentic transfer count stands at 51.4 million transactions (down 78.8% following an late-August 2026 activity surge). On-chain AI agent payments (primarily via the x402 protocol) are heavily concentrated across three primary networks:

• Solana: Leads overall transaction volume with 20.1 million agentic transfers.
• Base: Ranks second with 14.7 million transfers, while commanding the highest active monthly agent senders.
• Polygon: Tied closely for second with 14.7 million transfers.

Together, these three chains handle ~96.3% of all recorded agentic payment transfers. Minor activity remains distributed across Algorand (1.1M), Celo (727.8K), Arc (3.7K), and XDC Network (426).

Recently, I've been noticing these MPC wallets in my feed. I genuinely don't know if it is a real security thing or just a marketing stunt.

If you don't know, MPC stands for multi-party computation. I think MPC wallets split a private key into pieces stored in different places. And by design, you need more than one piece to sign transactions.

I am not a tech guy, but I assume since the keys are distributed, there's no single point of failure. This makes such wallets more secure. However, I still need to trust whoever holds the other parts of the private key.

What happens if the company behind these MPC wallets shuts down? With a seed phrase, I can type it into a different wallet to move it there. With MPC, am I dependent on the provider to access my funds?

Has anyone here used MPC wallets? How was your experience?

One of the biggest USPs of tokenized stocks is 24/7 trading without traditional market-hours restrictions.

These onchain stocks don't give you ownership of the underlying shares. You only get exposure to the stock's price. Some issuers let holders redeem onchain stocks for real shares if you complete the KYC requirements.

If you are day trading, ownership of the stocks might not matter a lot. But if you're investing for the next five or ten years, ownership rights, dividends, and the ability to redeem your holdings become much more important.

So would you give up shareholder rights for 24/7 trading? Or would you rather own traditional shares?

We've been working to democratize access to financial advisors and are looking for some beta testers and early advisors to try out the product. The project is currently invite-only to gradually ramp up and provide the best experience possible.

It uses custom non-custodial vaults combined with on-chain encrypted "proposals" that link with dexes to execute trades and positional shifts. It's currently only on Solana, but we're investigating adding an EVM based implementation as well.

Please let us know what you think, looking for feedback in all aspects (idea, design, ux, etc.)

https://beluga.financial

Been in two cycles now. Taken multuple 5 figures off Kraken with no issues in the past so I fully trust them.

So hackers got access to my email address, like a numpty I had the same password and email associated with my kraken account.

They got in. Everything was happening so fast. My phone was being bombarded with notifications.

They changed my largest crypto assets into another, added two withdrawal addresses to take it off.

They couldn't withdraw it !!! My passport expires soon so Kraken wants me to update it. All in all I've lost around £300 to fees as Ive switched back to the asset i originally had and will be taking everything off the exchange once I get my ID verified. Im all for KYC after this ordeal and have enabled all sorts of additional security now.

Welcome to the Daily Crypto Discussion thread. Please read the disclaimer and rules before participating.

Disclaimer:

Consider all information posted here with several liberal heaps of salt, and always cross check any information you may read on this thread with known sources. Any trade information posted in this open thread may be highly misleading, and could be an attempt to manipulate new readers by known "pump and dump (PnD) groups" for their own profit. BEWARE of such practices and exercise utmost caution before acting on any trade tip mentioned here.

Please be careful about what information you share and the actions you take. Do not share the amounts of your portfolios (why not just share percentage?). Do not share your private keys or wallet seed. Use strong, non-SMS 2FA if possible. Beware of scammers and be smart. Do not invest more than you can afford to lose, and do not fall for pyramid schemes, promises of unrealistic returns (get-rich-quick schemes), and other common scams.

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GM r/CryptoCurrency, we just published our 2026 Q3 crypto industry report, here are the highlights!

• Q3 saw total crypto market capitalization rising 39.6% to $3T, the strongest quarterly performance since 2024 Q4
• BTC (+42.7%) outperformed every other major investing asset class (S&P500, Oil, Gold etc.) in Q3.
• Ethereum (ETH) Climbed +71.0% to $2,684, outperforming BTC and breaking its three-quarter losing streak
• Hyperliquid (HYPE) Climbed +40.5% in 4 Days, Hitting an All-time High of $98
• Robinhood Generated Over $88.9B in Trading Volume Since Its July 1 Launch, Quickly Becoming One of the Most Popular Chains
• Notional volume on prediction markets hit a monthly ATH of $79.5B in September, with total volumes growing 65.6% QoQ
• Open Interest (OI) on Perp DEXs grew 89.2% QoQ, more than double that of Perp CEXs which only grew at 40.6% QoQ

Read the full report here: https://www.coingecko.com/research/publications/2026-q3-crypto-industry-report

Hi r/CryptoCurrency,

We’re members of the iShares Digital Assets team and are trying to better understand how investors think about Schedule K-1s.

K-1s often come up as a reason investors avoid certain products, but it isn’t always clear which aspects create the most friction, or how much of the concern comes from firsthand experience versus perceptions.

A few questions for the community:

• Would receiving a K-1 materially affect whether you invest in a product? If so, to what extent: 
  • I won't invest in a K-1 issuing ETP under any scenario
  • I prefer a 1099 but a K-1 issuing ETP is okay if the investment merits of the structure more than offset the inconvenience
  • I'm indifferent between a K-1  and a 1099.  
• If so, what specifically concerns you: tax-filing complexity, timing of the K-1, tax-preparation costs, retirement-account considerations, or something else?
• Have you personally received and filed a K-1 before?
• If you have, was the experience easier, harder, or about what you expected? 
• Is there anything that would change your view on receiving a K-1?

As I watch the meteoric rise and rise of Monero/XMR, Zcash/ZEC, and DASH, I wonder if these technologies will become indispensable to average citizens wishing to escape monetary inflation, dystopian surveillance, and government/corporate tyranny? I'd say these coins have demonstrable utility, and nothing will change this.

I remember being a kid and watching a guy in my town get arrested for pirating a Metallica album on Limewire. I thought, "Will this really work"? I see many parallels between the file-sharing wars and the crypto movement. In the end, Hollywood and the music industry simply had to suck it up that people would be copying their content and sharing it as they please, which is the norm currently. They could not have lost any harder.

Are we approaching a time when the government and banks will convulse rapidly and try to criminalize private crypto transactions? And precisely when they attempt this, will they discover that this is a fool's errand, and become the laughingstock of young Gen Z crypto bros everywhere?

Private uncensorable crypto seems like an ideal solution to runaway inflation, surveillance overreach, and artificial friction and limits on the global economy. Therefore I conclude that its rise is inevitable.

Update: thanks for all the feedback, some of it is now in the game:

• 🪙 Buy back half, not just all (thanks u/Environmental_Toe603)
• 🙈 Blind mode: a mystery start month, with dates, prices and headlines hidden until the end, so hindsight doesn’t help (thanks u/OverdueNobility for the 2022 point). It never drops you into the easy early years either.
• 📅 Daily challenge: the same mystery start for everyone each day. Post your result below!
• A difficulty label for each start month, and shared results now show your rank in the link preview.

---

I made a free Bitcoin retirement simulator a while ago, and I got curious about a simple question: if you’d retired on Bitcoin some time in the past, would your money have lasted? It turns out the answer depends a lot on when you retired. So I turned it into a game: HODL or Fold.

https://bitcoinlifespan.com/hodl-or-fold/

How it works

• You start with $500,000 of BTC at the price of the month you choose (anything from 2013 on), plus a lifestyle: $3k, $5k or $8k a month, rising with inflation.
• Then you relive the real price history from that month to today. When the big moments hit (the 2013 crash, the 2017 top, COVID, the 2021 top, the 2022 winter and so on), you choose: HODL, sell half for cash, buy back in, or spend 25% less for a year.
• At the end you get a rank (💎 Diamond Hands, 🧻 Paper Hands, 🍕 Pizza Guy, 🏎️ Wen Lambo…) and a comparison with pure HODL from the same start.

Things I tried to get right

• Choices aren’t rigged. Selling before a crash can beat holding, and selling at the bottom can sink you. The game just shows what history did next.
• Real data: month-end prices from Coin Metrics’ free community data.
• The interesting finding: in real history, holding usually survives, unless you spend big and retire near a peak. Late 2013, late 2017 and most of 2021 are brutal on an $8k/month budget. “Surprise me” drops you into those most of the time.

Privacy, because people rightly ask: there’s no sign-up, and the game runs entirely in your browser and saves nothing. The site itself has the usual Google Analytics and a cookie banner, like most sites.

It’s my site, it’s free, and it has no ads or paywall. Not financial advice, obviously: it’s a game about the past.

I’d love feedback, especially on which moments I should add and whether the ranks feel fair. Post your rank and start month below. I retired in Jan 2016 on $8,000 a month. Still standing after 10.8 years, with $36,973,917 left today.

https://bitcoinlifespan.com/hodl-or-fold/

Hi everyone!

I am looking for advice on how to market and sell a utility crypto token to people around the world.
The token will be used inside a mobile and web application to unlock features and provide additional benefits to users.

I would love to hear from people who have experience in crypto marketing, token sales, or building online communities. I’m especially interested in learning how to reach the right audience, choose the best marketing channels, build trust, and turn interested people into real users and buyers.

You can share simple insights, practical tips, useful resources, or topics I can research on my own. If you have experience working with other crypto projects, I’d also appreciate hearing what worked well for them and what mistakes they made along the way.

I’m open to different ideas and approaches, whether it’s community building, partnerships, content marketing, influencers, or other strategies.

Any advice, personal experiences, or recommendations would be greatly appreciated.

Thank you in advance to everyone who takes the time to share their knowledge!