Francesc Llobet

Entrepreneur, professor & mentor. Crypto economy and AI for Business. Personal opinions. RT not endorse. From Catalonia. Volar i ser lliures. President @sijcat

[Francesc Llobet @fll_cat]

Les vies cap a la indy són 4:
👇🏻👇🏻👇🏻👇🏻 (FIL)

1. Referèndum pactat VOLUNTARIAMENT per part d’ESP

2. Referèndum pactat FORÇADAMENT per part d’ESP

3. Via unilateral amb suport concret de resolucions judicials europees

4. Via unilateral sense suport concret

(1/5)

[Xavier Sala-i-Martin @XSalaimartin]

¿Per cómo? ¿No era España una "democracia plena" y "ejemplar"? ¿El poder judicial, no solo era independientes sino que solo servía a la "constitución que nos hemos dado entre todos"? ¿Cómo se ha pasado de esa maravilla de país a un "escándalo democrático que no se sostiene"?

[Josep Lluís Alay @josepalay]

Catalonia has three national anthems: a song of War (Els segadors/Reapers song), a song of Peace (Cant de la senyera/Flag song) and a Mystical chant (El Virolai/Our Lady of Montserrat chant).

[Francesc Llobet @fll_cat]

Good

[Max Karpis @maxkarpis]

Revolut yields to the pressure; it makes Catalan the default language on its ATMs in Catalonia for its 1.2 million local customers.

Revolut has informed the media that Catalan is now the default language on its cash machines (ATMs) across Catalonia.

The change affects all 57 Revolut ATMs currently operating in the region. Revolut, which has more than 1.2 million clients in Catalonia, will also incorporate Catalan into its website and mobile app during the first half of 2027.

Revolut faced years of public pressure on social media from Catalan users and language organisations. I followed this with interest, and the action culminated in a celebration for supporters when Revolut posted a job ad seeking a Catalan-language translator.

Good win for the local culture, but not easy for Revolut. Every language pack and every local feature added to the Revolut app is present on every user's app. For example, Lithuanian Revolut customers will have the Catalan language pack in the app, and Catalans now have Lithuanian mortgage application and management features, but these features aren't accessible.

Another thing worth mentioning is that for the first time, Revolut has released customer numbers for the region of Catalonia. Based on a simple calculation, Catalonia has a Revolut customer penetration rate of 14.62%. That is higher than Spain's total, at 13%. Catalonia could be the region that has the highest penetration in Spain.

Image: @llenguacatalana

#Catalan #Catalonia

[Francesc Llobet @fll_cat]

😁

[BTC Catalunya 🚫👻 @BtcCatalunya]

- Això de bitcoin és molt confús i complex, prefereixo utilitzar els euros que sí que els entenc
- D'acord, em sabries explicar com funcionen els euros?

[Francesc Llobet @fll_cat]

Si això és cert, és una gran salt cap a la desdolaritzacio, sense passar per cap altra moneda FIAT

[Wise Advice @wiseadvicesumit]

🇮🇷 Iran is charging $2M per ship to cross the Strait of Hormuz and they want it in Bitcoin. 😳

At $72,000 per $BTC, each ship = 27.7 BTC.
Pre-crisis, 130 ships crossed daily.

• Daily: 3,611 BTC
• Monthly: 108,333 BTC
• Yearly: 1.3 million BTC

The entire Bitcoin network only mines 450 BTC per day.

Iran would accumulate 8x the monthly mining supply. Every month.

A sanctioned nation building a Bitcoin treasury through a toll booth.

This is the most important geopolitical Bitcoin story nobody is talking about. 🔥

[Francesc Llobet @fll_cat]

Convertir energia sobrant en capital digital…

[Descentralizados Crypto @dsctlzscrypto]

🔥 El Salvador ha minado 474 Bitcoins ($34M) utilizando un volcán.

Aprovechan el calor natural del volcán Tecapa para generar electricidad y alimentar los mineros de Bitcoin, convirtiendo energía natural en dinero.

[Francesc Llobet @fll_cat]

Excel·lent article per entendre el sistema d’incentius i la teoria de jocs darrera el Bitcoin

[Jesse Tevelow @jtevelow]

https://t.co/QJXQUuBz0E

[Carod-Rovira II*II @CarodRoviraJLl]

Segons el ministre espanyol de Cultura, el Gernika de Picasso no pot viatjar al País Basc perquè els informes tècnics del museu on ara és ho desaconsellen. També ho fan els tècnics del MNAC en relació a Sixena però aquí el ministre calla. I és català…

[Cole Walmsley @Cole_Walmsley]

This is central banking in a nutshell:

A group of rich guys go to the king and say: "Hey, you need money for your war. We'll give you all the money you want."

The king says: "Great, where's the money?"

They say: "We're going to make it up. We'll write numbers in a book and that's your money now."

The king says: "What do I owe you?"

They say: "You pay us back with interest."

The king says: "Where do I get that money?"

They say: "You tax your citizens."

The king says: "What if I can't pay it all back?"

They say: "That's fine. We'll lend you more. Same deal."

The king says: "And what do you do with the IOUs I gave you?"

They say: "We use them to prove we have money, so we can lend even more money to other people and charge them interest too."

The king says: "So you made up money, lent it to me, I tax my people to pay you back, and then you use my debt to make up even more money and lend it to everyone else?"

They say: "Yes."

The king says: "What did it cost you?"

They say: "Nothing."

That's literally how the Bank of England started in 1694. The Bank was formed to finance King William's war with France. The king gave the Bank a charter, granting it a monopoly on money.

The king could have as much money as he wanted. The bankers could always earn interest. Taxpayers covered the bill.

Now replace "king" with "United States Government" and you have the Federal Reserve in 1913. Same story, different country.

It doesn't end there.

185 central banks exist in the world today.

Across the globe, the governments get as much money as they want, the bankers load their pockets with interest, and the taxpayers pay for it all.

Oh, and if you don't pay your taxes, they'll fine you, penalize you, or throw you in jail.

The ONLY way out of this is to STOP USING THEIR MONEY.

As long as you're using the money that central banks control, the central banks will have control.

You have to stop giving them energy.

Use a different form of money that they can't control.

This is why Satoshi Nakamoto created Bitcoin.

[Un Sr de Barcelona @UnSrdeBarcelona]

OPEN DATA: QUAN LA TRANSPARÈNCIA FA POR

Hi ha moments en què una societat es mira al mirall… i no li agrada el que veu.
A Catalunya, aquest moment ha arribat no per una llei, ni per una auditoria oficial, ni per una comissió parlamentària. Ha arribat per dues webs “pirates”: https://t.co/027zfu95Zc i el @Menjometre , similars al que en @JaimeObregon porta anys fent: Fiscalitzar l'administració

No són institucions.
No tenen pressupost públic.
No tenen gabinets de comunicació.
Només tenen una cosa: dades.
I això ha estat suficient per fer tremolar el relat.

Durant anys, l’Administració ha parlat de transparència. Portals oberts, PDFs, dashboards… tota una estètica de modernitat institucional. Però la realitat és una altra: ocultació de dades disperses, difícils d’interpretar, sovint incompletes. Transparència de façana.

Fins que algú decideix fer la feina de veritat. Agafar totes aquestes dades. Ordenar-les. Fer-les intel·ligibles... i el més important, fer-les públiques.

I llavors passa el que sempre passa quan la informació es fa entenedora: Apareix la veritat.

La xifra és contundent: 5.000 milions d’euros anuals en subvencions. Un 11% del pressupost de la Generalitat. No és una línia menor. No és un detall tècnic.

És un model.

Un model que planteja una pregunta incòmoda:
Per a què serveixen aquests diners?

Perquè, mentrestant, el ciutadà paga.
I paga molt. Catalunya té una de les pressions fiscals més altes d’Espanya, especialment en IRPF. Treballes més. Pagues més. I després descobreixes que una part molt significativa d’aquests recursos es redistribueixen en forma de subvencions.

A qui?
Sempre s'ha parlat de mitjans de comunicació, però té lògica: Ningú paga ja pel diari, i si és en català, menys. Per tant, està bé subvencionar-los, però...
Associacions.
Sindicats.
Entitats diverses, que han fet de l'activisme de boquilla un modus vivendi.

Tot un ecosistema. Un ecosistema que, casualment, rarament qüestiona el sistema que el finança.
No cal conspiracions. Només cal entendre els incentius.

Però hi ha una segona capa, encara més preocupant. No és només una qüestió de quantitat. És una qüestió de direcció.

Quan analitzes les dades —i això és el que permet l’Open Data de veritat— no només veus qui cobra.
Veus cap on va el país. O, més ben dit, cap on no va.

El Govern català parla constantment de futur. De sostenibilitat. De transició energètica. D’innovació.
Però després mires les dades… i no trobes rastre d’aquesta narrativa en la despesa real.
Ni un euro rellevant cap a empreses punteres que podrien liderar aquest futur.

Un exemple és especialment simbòlic: @Wallbox_ES

Una startup nascuda a Barcelona, líder en tecnologia de recàrrega de vehicles elèctrics, competint a escala global. El tipus d’empresa que, en altres països, seria objecte de suport estratègic.

Consultem quants contractes públics han rebut per equipar de carregadors elèctrics a l'Administració. Zero.
Consultem quantes subvencions han rebut per accelerar el seu creixement, desde Barcelona cap al món. Zero

Això és el que abans en dèiem —sense complexos— política industrial. Creació de campions nacionals.
Aquí? Zero.

Permeteu-me l'exabrupte, però hi ha milions d'eruos gastats en subvencions en causes peregrines, a païssos remots. No hi ha un euro invertit en promoure l'activitat industrial, innovadora i sostenible a Catalunya.

I aquí és on l’Open Data esdevé perillós.
Perquè ja no es tracta d’opinions. Ni de relats. Ni de discursos.
Es tracta de dades.

I les dades expliquen una història molt diferent de la que se’ns ven:

Una Administració que recapta com si fos escandinava… però gasta sense una estratègia de futur clara, només per acontentar panxacontents.
Una Administració que parla d’innovació… però no aposta pels seus innovadors.
Una Administració que distribueix recursos… però no transforma l’economia.

L’Open Data no és només una eina tècnica.
És un mecanisme de control democràtic.

Perquè la transparència real no consisteix en publicar dades. Consisteix en fer-les comprensibles.
I, sobretot, en acceptar les conseqüències del que revelen, i donar explicacions.

Potser per això iniciatives com https://t.co/027zfu95Zc incomoden tant. Perquè no creen informació nova.
Només fan visible el que ja hi era.

I quan això passa, la pregunta deixa de ser tècnica i esdevé política: Estem utilitzant els recursos públics per construir el futur… o per gestionar el present?

Europa, amb totes les seves dificultats, està immersa en processos de reconversió. Indústria verda. Soberania tecnològica. Reindustrialització.
No és fàcil. No és indolor.
Però hi ha direcció. Aquí, en canvi, el risc és un altre:
Confondre estabilitat amb inèrcia. I despesa amb política.

L’Open Data ha obert una porta. Ara la qüestió és si volem mirar a dins… o tornar-la a tancar.
Perquè un cop has vist les dades, ja no pots fer veure que no hi són.

I aquesta, al final, és la seva veritable força.

[Francesc Llobet @fll_cat]

Un bon resum

[Un Sr de Barcelona @UnSrdeBarcelona]

Ara resulta que:
- La Generalitat fa pública una base de dades
- Un tercer (https://t.co/027zfu95Zc) crea una web per què tothom pugui accedir a la dita base de dades de forma fàcil
- La web té èxit, en tant que permet accedir a informació rellevant, fins llavors, no accessible
- La Generalitat se n'adona que perd el control de la narrativa (5,000M€en subvencions!). Talla l'accés a la base de dades i n'elimina 1 milió de registres
- Es genera polèmica: La Generalitat limita l'accés a dades públiques
- En un alarde de periodisme d'investigació, TV3 diu que les dites webs són vehicles de l'extrema dreta
- Es genera encara més polèmica: Fiscalitzar, auditar és extrema dreta? Sembla que la Unió Europea no pensa el mateix
- Com es resol? Doncs de nou la Generalitat es val de TV3 per anunciar que la base de dades tenia informació privada, i de forma vetllada s'amenaça amb accions legals, no contra la pròpia Generalitat per publicar info privada de forma negligent, sino contra qui ha fet una simple web (interface) d'accés

... és tot tan inacceptable.

2 coses que podeu tenir clares:
1) D'extrema dreta res. La pròpia Europea propugna i promou l'Open Data. Fiscalitzar i auditar és la base d'una democràcia sana.

2) Qui publica i dóna accés a les dades és el responsable últim de garantir que no es vulnera la privacitat de ningú (en terminologia legal, és qui fa el tractament de les dades). Ho diu la legislació europea i ho diu el RGPD. L'intermediari ni tracta, ni reorganitza, ni amplifica les dades; només publica. Amenaçar-lo, intimidar-lo amb accions legals, com s'està insinuant, és francament anti-democràtic...

[Francesc Llobet @fll_cat]

La solució als problemes d’energia?

[DogeDesigner @cb_doge]

ELON MUSK: "Space solar actually costs less than terrestrial solar because you don't need heavy glass or framing to protect it from extreme weather events. So as soon as the cost to orbit drops to a low number, it immediately makes extremely compelling sense to put AI in space.

It becomes a no brainer. Basically, more of a as you go to space, you get increased economies of scale, and things get easier over time, whereas as you try to put more and more power on the ground, you run out of space and you start using up the easy spots, and then you get next level. Nobody wants the thing in their backyard.

So then increasing power on earth has becomes harder over time and more expensive over time, but in space it becomes actually cheaper and easier over time."

[Francesc Llobet @fll_cat]

Llegir…

[AI Edge @aiedge_]

https://t.co/CYgT4AAKKe

[(((Germà Bel))) XY CIS + Gen-Tap @gebelque]

Soc major d'edat, em fan sinapsi les neurones i sé distingir entre una subvenció al transport col•lectiu i una subvenció a una menjadora.

I sempre he defensat la Transparència

Per tan, benvingut @Menjometre
Gràcies x facilitar que ens puguem informar sobre la despesa pública

[Jesse Tevelow @jtevelow]

https://t.co/Gk95yI7uBH

[Sapiens - KalshiBackTest.com @BitcoinSapiens]

This is a map of the public Bitcoin network. Each dot represents a computer (node) that holds a complete copy of the blockchain and verifies transactions.

[Claude @claudeai]

Introducing Claude Code Security, now in limited research preview.

It scans codebases for vulnerabilities and suggests targeted software patches for human review, allowing teams to find and fix issues that traditional tools often miss.

Learn more: https://t.co/n4SZ9EIklG

[Francesc Llobet @fll_cat]

Completament d’acord

[Daniel Batten @DSBatten]

I was one of the early users of the Internet back in 1993, I've been part of 3 tech companies that exited, and helped another 4 achieve exits. I've personally seen close to 1000 different technology ideas pitched over a 20 year period.

But nothing, including the Internet comes remotely close to Bitcoin and Bitcoin mining, which are by some distance the most innovative and promising technologies for humanity in the last 100 years. Nothing else comes remotely close.

Bitcoin mining is incentivizing renewable energy, mitigating methane, stabilizing grids, obviating gas peaker plants around the world at a pace that almost no other climate technologies have been able to replicate even across one sector
source: https://t.co/c38Pi50Uho

Bitcoin's usecases are not simply about more efficiency convenience or faster commerce, but existential need: it is already helping 100s of millions of people around the world who before bitcoin were stuck with high inflation and hyperinflation, unbanked, or lived in autocratic regimes
source: https://t.co/uXoq4wWEiz

Bitcoin is also the first technology I've ever seen that helps the Global South first, the West second (which is why so many in the West don't see it's utility: ie, a lack of empathy and imagination on the part of the evaluator, not a lack of value in Bitcoin)

It's the most inspirational technology I've seen in 20 years of technology investment by some distance across a range of social and environmental metrics.

But, as with all other disruptive technologies, you'll unthinkingly retort things that make you look stupid in years to come if your source of information on Bitcoin is either :

a. the media (who have a 100% perfect track-record of dismissing every disruptive technology since the Telegraph)
b. other people who have also not used or researched Bitcoin (of which a. above is a subset)

The predominant media narratives on Bitcoin typically have only one common denominator: stupidity.

As soon as one stupid narrative fails ("will use all the world's energy", a new stupid narrative like "uses a swimming pool of water" is already in the queue to replace it. Once that is debunked, another stupid narrative will replace that. The narratives are never true, but they are funny, and they do fool people tend to have poor filters for information quality.

Would you have been one of the laggards who trusted the opinions of others about the Internet who had never used it, or would you have talked to people who used it and then tried it yourself?

Rather than digesting new flavors of stupid from the media and others who have never used Bitcoin, you could try this crazy wacky idea: listen to the opinions of people who have used actually Bitcoin and know something about it.

Paul Krugman saying "The Internet will be no more valuable than the fax machine" in 2005 was a statement about the value of his opinion, not the value of the Internet

Similarly, the opinions of those who have never studied, never used, or have a vested interest in opposing Bitcoin are a statement about the value of their opinions, not the value of Bitcoin.

Onwards!

[Daniel Batten @DSBatten]

I was one of the early users of the Internet back in 1993, I've been part of 3 tech companies that exited, and helped another 4 achieve exits. I've personally seen close to 1000 different technology ideas pitched over a 20 year period.

But nothing, including the Internet comes remotely close to Bitcoin and Bitcoin mining, which are by some distance the most innovative and promising technologies for humanity in the last 100 years. Nothing else comes remotely close.

Bitcoin mining is incentivizing renewable energy, mitigating methane, stabilizing grids, obviating gas peaker plants around the world at a pace that almost no other climate technologies have been able to replicate even across one sector
source: https://t.co/c38Pi50Uho

Bitcoin's usecases are not simply about more efficiency convenience or faster commerce, but existential need: it is already helping 100s of millions of people around the world who before bitcoin were stuck with high inflation and hyperinflation, unbanked, or lived in autocratic regimes
source: https://t.co/uXoq4wWEiz

Bitcoin is also the first technology I've ever seen that helps the Global South first, the West second (which is why so many in the West don't see it's utility: ie, a lack of empathy and imagination on the part of the evaluator, not a lack of value in Bitcoin)

It's the most inspirational technology I've seen in 20 years of technology investment by some distance across a range of social and environmental metrics.

But, as with all other disruptive technologies, you'll unthinkingly retort things that make you look stupid in years to come if your source of information on Bitcoin is either :

a. the media (who have a 100% perfect track-record of dismissing every disruptive technology since the Telegraph)
b. other people who have also not used or researched Bitcoin (of which a. above is a subset)

The predominant media narratives on Bitcoin typically have only one common denominator: stupidity.

As soon as one stupid narrative fails ("will use all the world's energy", a new stupid narrative like "uses a swimming pool of water" is already in the queue to replace it. Once that is debunked, another stupid narrative will replace that. The narratives are never true, but they are funny, and they do fool people tend to have poor filters for information quality.

Would you have been one of the laggards who trusted the opinions of others about the Internet who had never used it, or would you have talked to people who used it and then tried it yourself?

Rather than digesting new flavors of stupid from the media and others who have never used Bitcoin, you could try this crazy wacky idea: listen to the opinions of people who have used actually Bitcoin and know something about it.

Paul Krugman saying "The Internet will be no more valuable than the fax machine" in 2005 was a statement about the value of his opinion, not the value of the Internet

Similarly, the opinions of those who have never studied, never used, or have a vested interest in opposing Bitcoin are a statement about the value of their opinions, not the value of Bitcoin.

Onwards!

[Francesc Llobet @fll_cat]

Excel·lent anàlisi del potencial dels Crypto Neobanks

https://t.co/8DJL25QHTe