The Charlie Shrem Show

During the darkest days of the last bear market, 5 years ago, I met my friend and guest @CJKonstantinos at The Green Flash in Florida. This guy is the definition of OG by doubling down and starting @peoplesreserve. He's creating Bitcoin-backed financial products that are reshaping the way we think about money. Tomorrow we are both speaking at BitcoinDay Tampa, which always has a way of keeping the culture alive! See you all there! Charlie  Highlights: 🔒 Bitcoin’s Unmatched Strength: Discover how Bitcoin's undilutable supply creates a truly pristine collateral asset, reshaping loans and financial security. 🏡 Never Sell Your Bitcoin for Real Estate Again: CJ shares his unforgettable story of spending 100 Bitcoin on a house—and how @peoplesreserve now helps you secure your dream home without selling your BTC. 📊 Smart Adjustable Interest Rates: Learn how adjustable interest rates prevent liquidation and turn Bitcoin volatility into your advantage. 🚀 Cross-Collateral Revolution: Understand the groundbreaking combination of Bitcoin and real estate collateral introduced by @peoplesreserve, creating safer financial products. 🌐 Redefining the Yield Curve: CJ explains how Bitcoin is creating a new "risk-free" borrower class, challenging traditional finance forever. Why Listen: Explore the future of finance through the lens of Bitcoin-backed mortgages and collateral, directly from one of crypto's boldest innovators. Charlie and CJ unpack how Bitcoin is rapidly becoming the safest, most reliable foundation for wealth preservation and growth. Listen & Subscribe: Subscribe to The Charlie Shrem Show, your twice-weekly source for deep dives with crypto’s most visionary leaders. Guests & Social: CJ Konstantinos → @CJKonstantinos People's Reserve → @peoplesreserve Thank you for listening to The Charlie Shrem Show. For more free content and access to over 400 episodes, visit www.CharlieShrem.com [http://www.CharlieShrem.com].

I've gotten to know Joey Rosati (@rosaticorp) over the last 3 years working alonside hime in the VC trenches of Druid Ventures. Let me tell you, the VC world is a funny place and there are gems if you know where to find them. Joey is one of them. He knows that behind every successful business, it's all about people. In today's epic episode, Joey joins me to dive into the "silver tsunami," the massive shift as baby boomers retire, handing off old-school businesses to a younger generation. We talk about buying real-world companies like Dock Builder Supply and Boat Storage, the magic and messiness of mixing traditional business with new tech, and why true success often means blending hustle with humility. Joey shares his own wild entrepreneurial journey—from scratch-off lottery chaos in Guatemala to investing in MLS soccer, and why he now loves "ugly," cash-flowing businesses. We get real about stress, purpose, and why hard money lending might just be the smartest investment out there. We also talk about his role in preserving Tampa's adult entertainment legacy by taking over the world-famous 2001 Odyssey and Mons Venus strip clubs. We explore how he's balancing modernization with tradition, ensuring these establishments continue to thrive in a changing landscape. Buckle up as we cover: * The real opportunities behind "boomer businesses." * Why software can't replace specialized trades. * Managing stress, staying sane, and finding purpose. * When (and how) to walk away from a bad deal. * Joey's top investment advice for 2025. Connect with Joey on X: @rosaticorp Thank you for listening to The Charlie Shrem Show. For more free content and access to over 400 episodes, visit www.CharlieShrem.com [http://www.CharlieShrem.com].

Here’s a sentence I never thought I’d say: you can buy a house with your Bitcoin — without ever selling it. That’s the financial revolution Josip Rupena is building. He’s the founder and CEO of Milo, the fintech startup that’s already issued over $60 million in crypto mortgages — loans backed by your Bitcoin, not your bank account. And here’s the kicker: they’ve never issued a single margin call. In this episode, we break down how it works, what happens behind the scenes, and why this could be one of the most powerful wealth-generating tools in the Bitcoin ecosystem. We also talk about tokenizing mortgages, using AI to streamline lending, and the potential for a future where your Bitcoin unlocks real-world utility — like homes, yield, and financial freedom. This is a rare mix of macro insight, startup strategy, and a deep dive into how crypto is transforming the mortgage game. This episode contains strong language. 📚 MENTIONED: Milo Crypto Mortgage – www.milo.io [https://www.milo.io] Custodians: Coinbase & BitGo Bybit Hack (Largest Hack in History) Tokenized Mortgages & Yield Products Real Estate + Bitcoin as a Dual-Asset Lending Model AI Tools in Underwriting and Client Onboarding US Housing Inventory Trends (2024–2025) ✉️ FEEDBACK OR GUEST IDEAS? Email Charlie directly and find episodes and transcripts at CharlieShrem.com [https://www.charlieshrem.com] Thank you for listening to The Charlie Shrem Show. For more free content and access to over 400 episodes, visit www.CharlieShrem.com [http://www.CharlieShrem.com].

My buddy Chris Jenkins just got back from ETHDenver, and he’s buzzing about the convergence of crypto and AI. He’s the head of operations at the Pocket Network Foundation, and right now, they’re gearing up for their biggest protocol upgrade ever: Shannon. What they’re doing is wild — opening up full permissionless access to decentralized data, from blockchain RPC calls to AI models, Tor nodes, and everything in between. We talk about agentic systems, LLMs, censorship-resistant data delivery, and why the future of open infrastructure needs crypto tokens to work at all. We also get into what it takes to build B2B tools that feel like B2C, why content creators (like podcasters) should be thinking about data licensing, and why the days of centralized APIs and broken bridges may be numbered. This one’s nerdy, future-forward, and full of practical examples for how it’s all being built right now. This episode contains strong language. 📚 MENTIONED: Pocket Network Foundation – pokt.network [https://www.pokt.network/] ETHDenver 2025 Shannon Upgrade (Pocket Network’s protocol upgrade) fly.pieter.com – Massive AI flight sim built with LLMs Tornado Cash and Censorship Resistance Decentralized RPC and Open Data Infrastructure Drag-and-Drop LLM Interfaces ✉️ THOUGHTS? GUEST SUGGESTIONS? Email Charlie directly and find more episodes at CharlieShrem.com [https://www.charlieshrem.com] Thank you for listening to The Charlie Shrem Show. For more free content and access to over 400 episodes, visit www.CharlieShrem.com [http://www.CharlieShrem.com].

Pete Rizzo Thinks We're Losing Bitcoin's History. I'm Helping Him Fix That. Pete Rizzo’s been called Bitcoin’s historian — and after this conversation, you’ll understand why. He’s spent the past few years diving deep into the stories, people, and drama that built Bitcoin from nothing into a global force. We talk about that work — the threads, the archives, the stories that never made it into the headlines — and how much of our history is already at risk of being forgotten. This one goes deep: early Mt. Gox days, the Silk Road fallout, Ross Ulbricht, Julian Assange, the Dragon’s Den Slack channel, Bitcoin IRC logs, and even a theory that maybe Satoshi was Julian himself. There’s a lot here — from serious analysis to our own untold stories. We also get personal: Rizzo opens up about why preserving this history became his mission, and I share how prison, books, and a Muslim roommate changed how I see the world — and Bitcoin. This episode contains strong language. Mentioned: Pete Rizzo’s “Bitcoin Legends” Twitter threads The Genesis Book by Jonathan Bier The Satoshi Affair by Andrew O’Hagan Assange’s RubberHose encryption protocol Blockworks’ Supply Shock Podcast Follow Pete: Twitter/X: @pete_rizzo_ Podcast: Supply Shock Quotes: "Bitcoin is the only asset where history actually matters — and yet we’re letting it disappear."  "We treated Ross like a pariah. Now he’s a symbol. That didn’t happen overnight." "People think Bitcoin started with Satoshi. It didn’t. It started with the people who kept it alive after Satoshi left." "When I left prison, I was at zero — actually, below zero. But I came out with the most valuable thing: stories." Thank you for listening to The Charlie Shrem Show. For more free content and access to over 400 episodes, visit www.CharlieShrem.com [http://www.CharlieShrem.com].