Three forms of money
There are three dominant forms of money on the planet Earth.
Dollars sit as the unit of account globally. Everyone understands the dollar. Individuals have dollar-denominated liabilities. The lack of dollar services on our platform was never a lack of vision. It was truly a lack of regulatory clarity, and with the favorable administration and the GENIUS Act, that's changed. Enter dollars.
On the other side of that barbell, we understand we need best-in-class bitcoin financial services. Multi-institution is the 'Rolls Royce' of custody and financial services. Our clients say it, I tend to agree. I think most of the market would understand that. The reality is that cost, net worth, or simply believing they could work with us has hindered adoption and kept people out. That changes today.
In the middle sits gold. Gold has been money for five thousand years. It sits within portfolios globally and is fifteen to twenty times the size of bitcoin's market cap. The liquidity and volatility profile alone make it more attractive than bitcoin for certain individuals. The reality is that people sitting between fifty and seventy-five years in age shouldn't have to sustain the volatility of bitcoin to preserve their purchasing power.
Most individuals in this space would have said bitcoin needs to hit a certain number, call it $250,000, before it surpassed gold. That never made any sense. As debasement continues and gold's liquidity profile sits as a sovereign reserve asset today, yesterday, and into the future, gold was always going to move alongside bitcoin as inflation accelerated. Gold now sits as a $34 trillion asset. And it would be a mistake to believe that all individuals will go from dollars straight to bitcoin.
There's a whole path that involves gold. And there's a path on the back end where bitcoin holders slowly move a small portion of assets into gold because it's a rational thing to do when your family needs to eat. You may want a form of hard money that somebody has accepted for the past 5,000 years.
When you take those three forms of money and recognize that everyone has their own risk profile, what you end up with is a vision of the future. Whether it's Onramp or the banks we are in talks to partner with, you have your cash account for dollar-denominated liabilities and your direct deposit. You have your low-volatility store of value in gold for individuals wanting to manage risk but keep pace with inflation. Then you have your high-conviction store of value in bitcoin, which takes a little education and a little conviction to manage the volatility, but with all that you get the upside.
That's the beauty of three forms of money.
We've partnered with Argo, a Sprott family company, to give clients access to real, allocated gold held at the Royal Canadian Mint. Real ounces. Allocated to you. Sitting in one of the most respected sovereign vaults globally. Accessed through one of the most respected names in precious metals. The bar we set for bitcoin is the bar we set for everything else.
Three forms of money. One platform. Held the right way.
The other direction
Let's talk about what we are deliberately leaving out, because I think it says something about what we stand for.
The direction of travel for most of the financial world right now is toward hyperfinancialization. More gambling dressed up as investing. More prediction markets. More 24/7 leverage. More games designed to convert your attention into someone else's revenue.
The cultural mood underneath all of this, financial nihilism, is real. When people lose faith that working hard and saving carefully will preserve their purchasing power, they start looking for lottery tickets. The industry, sensing the demand, has been more than happy to print them.
We understand the impulse. We disagree with the conclusion.
Here's what's actually happening. The world is short of pragmatism and conservatism. I'm 38 years old. I'm on that cusp of remembering that money doesn't grow on trees. If it's too good to be true, it's too good to be true. I remember when a savings account actually meant something. That world is gone. The people who figured out the old system benefited handsomely, at least on paper. Real estate. Zero interest rates. Equities. Decades of nominal gains that looked like wealth, and largely were, until they weren't. Around 2020 we crossed an event horizon. Most portfolios are no longer keeping pace with inflation in real terms. The nominal numbers mask it. The real numbers don't lie.
Along with that, everyone from institutional allocators chasing private credit to individuals younger and older than me is forced to go further out on the risk curve. This is where the speculation and financial nihilism come from. It's not that people are stupid. It's that the system broke underneath them.
The reality is, people know this. Money doesn't grow on trees. Hard work matters. Saving more than you spend is how you get ahead. We're going to go back there. Onramp Finance helps with this.
Once you understand that bitcoin and gold are money, that they are the assets human beings have historically used to preserve and grow purchasing power across long time horizons without rolling the dice, the case for the casino weakens considerably. You don't need to gamble your way to financial security. You need to hold the right things, in the right structure, for long enough.
Onramp Finance is built for the people who already understand that, and for the people who are starting to suspect it. We are a conservative, principled platform for people who want to grow and protect their wealth without speculating. That is what we are. And the appetite for that is going to grow a lot faster than the industry expects.
What today actually changes
For Onramp clients, you get more value. That's been the name of the game from the very beginning. You get dollars. You get the ability to earn on your cash. You get a spending card. You get more from the platform you already trust.
Henry Ford's autobiography has always had a big impact on me. He consistently articulated that if you drive down the cost of goods and increase the value, your total addressable market expands infinitely. That's what we aim to do.
For people being introduced to Onramp for the first time, you get the best financial platform on the planet. The ability to earn on your cash. Earn on your spending. Low-cost brokerage. Access to gold. And your entry into bitcoin through Onramp.
If you decide that long term you'd like to stay with us, we have the final resting spot for your wealth in multi-institution custody. Mortgages. Dynasty trusts. Long-term inheritance and wealth planning. And everything else we have planned.
We're also opening the Genesis Program alongside the launch.
A founding cohort of 210 members will receive:
- our highest program rewards tier
- a year of no-fee MIC on qualifying deposits
- 21,000 sats on activation
- a signed copy of Parker Lewis's Gradually, Then Suddenly
- a full welcome package of Onramp merch
- ninety days of direct access to me
- permanent access to a private channel to help shape what we ship next.
One qualifying trade reserves a spot. When the 210 are claimed, Genesis closes for good.
If that's you, claim your spot here.
