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:

• Why credit markets are essential for Bitcoin's growth
• How self-custody lending works in practice
• The risks of custodial models and what went wrong with previous platforms
• Cadena's unique approach to collateral and loan terms
• What Cadena 2.0 will bring to the table
• The broader implications for Bitcoin adoption and sovereignty

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.

Main Topics:

• The challenges renters face in saving and building wealth in a rising-cost environment
• How Stake's cash-back network incentivizes on-time payments and lease renewals
• The intersection of AI, rent pricing algorithms, and the future of rental loyalty
• Regulatory and technological hurdles in financial innovation for renters
• The potential emergence of rent-focused digital assets like rent coin
• Building a win-win ecosystem for renters, property owners, and brands

In this episode:

• Roland Hobbs, CEO of Stake, shares insights on the current rental market and innovative solutions
• The role of loyalty and cash back in improving rent payment predictability
• How AI algorithms influence rent pricing and tenant retention strategies
• The vision for a future where renters can access tax-free savings accounts similar to 401(k)s and 529 plans
• Stake's nationwide network of 550,000 homes and $50 million in cash back paid out
• Practical steps for renters to benefit from Stake’s cash-back rewards and banking services
• The importance of community and membership approaches to rental loyalty

Resources & Links:

• Stake - Stake.rent
• Get Your Stake
• Connect with Roland Hobbs:
• https://www.linkedin.com/in/rowlandhobbs/
• Email: Rowland at stake.rent

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/