scott irvin

real estate investor and family man

[Restore Halifax @RestoreHalifax]

Gad Saad explains suicidal empathy and its destructive effects on society.
https://t.co/Pp2DEi9yRh

[Justin Bechler #BIP-110 @1914ad]

@SimonDixonTwitt More parasites attached to Bitcoin, Simon! 🤨

[scott irvin @hmvstr]

Hi! my name is Scott with Irvin
Restoration in Irving. I noticed your
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📞 [phone]
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[scott irvin @hmvstr]

Hi! my name is Scott with Irvin
Restoration in Irving. I noticed your
property recently had fire damage and
wanted to reach out. We specialize in
fire and smoke damage restoration and
work directly with insurance companies
throughout DFW.

20 years of experience — free estimate
with no obligation.

📞 [phone]
🌐 https://t.co/rE1iEDFNe2

Let me know if I can help!

[scott irvin @hmvstr]

https://t.co/pLbTR0nLpB

[scott irvin @hmvstr]

Here is ray dalios stark warning told to a 5yr old

Okay, imagine the whole world is like a **big playground** where all the countries are kids playing together.

For a super long time — like since your great-great-grandpa was a little kid (after a really really bad fight called World War II about 80 years ago) — the biggest, strongest kid (that was the United States) helped make special playground **rules** so everyone could play nicer and safer:

- No super mean bullying.
- Share some toys (trade stuff).
- Have grown-up meetings (like the United Nations) to talk out arguments instead of punching.
- Help each other if a bully tries to hurt someone small (like NATO friends promising to protect each other).
- Freedom and being fair matters a lot.

Everyone mostly followed these rules (even if not perfect), and the playground felt pretty okay for a long time. Countries got richer, fought less giant fights, and life got better for lots of people.

But now (in 2026), at a big meeting called the Munich Security Conference (like a grown-up meeting where country bosses talk about staying safe), almost everyone is saying:

**"Those old playground rules are broken! The old playground is falling apart!"**

- The German boss (like the teacher from Germany, named Friedrich Merz) said: "The old way the world worked for many many years? It's gone. Now it's back to big strong kids pushing everyone around — 'might makes right' (the biggest or meanest kid wins, no fair rules)."
- The French boss (Emmanuel Macron) said: "Our old safety toys and teams don't work anymore. Europe has to get strong and ready to fight if needed, because the nice old playground is disappearing."
- The American boss's helper (Marco Rubio, like a super important teacher from America) said: "The old world is gone. We're in a brand new game now."

A smart guy named Ray Dalio (who studies big history like a detective) calls this **Stage 6** of a giant repeating game called the "Big Cycle."

In simple kid words:

The world goes up and down in a circle, over and over, forever.

- Good times → countries get rich and strong, share, make friends, follow rules → playground is fun and peaceful.
- Then bad times creep in → money problems, arguments, jealousy, big gaps between rich kids and poor kids.
- Leaders get mad and bossy.
- Countries stop sharing and start fighting over toys, space, power.
- They argue with money (tariffs = "you can't play with my toys!"), tech, money freezes, threats... and sometimes real fighting with armies (shooting wars — the scariest part).

Right now, we're in the **bad, messy, arguing part** (Stage 6). No clear big boss everyone listens to anymore. Big countries like America, China, Russia are all strong and want different rules. They might bump into each other hard (especially over places like Taiwan — imagine two big kids both saying "that's MY swing!").

The old nice playground order after World War II? It's being knocked down ("under destruction" — like someone took a wrecking ball to the slide and swings).

So leaders are saying: Freedom and safety aren't automatic anymore. Countries (especially Europe) have to get tougher, make their own strong teams, and be ready — because the game changed to "big power vs big power" where the strongest or smartest at fighting/arguing wins more stuff.

It's scary like when the recess monitor leaves and bigger kids start pushing. But the hope is smart talking, fair deals, and being strong without always fighting can make a new (maybe better?) playground someday.

That's what all this grown-up talk really means — the old safe playground rules broke, and now it's a tougher, bumpier game where countries have to watch out more. 😟

[Link Lauren @itslinklauren]

If you’re at the Olympics representing Team USA, don’t disparage our country. It’s that simple. 🇺🇸

[Kevin Dalton @TheKevinDalton]

This is a masterpiece

[Omar @TheOneandOmsy]

Bank of America CEO on why stablecoins shouldn't pay interest:

(TLDR: consumers shouldn't earn yield so banks can)

Quick summary:
Interest on stables -> mass deposit flight
Fully reserved money -> no fractional leverage
Banks lose free funding -> profits go bye bye!

[The Block @TheBlockCo]

Bank of America CEO warns up to $6 trillion in deposits could shift to stablecoins if allowed to pay interest https://t.co/PDEHlvRUPQ

[Shanaka Anslem Perera ⚡ @shanaka86]

US Congress just legalized the largest wealth transfer in financial history.

Nobody noticed.

Section 11 of the GENIUS Act prohibits stablecoins from paying yield to holders.

Tether holds $135 billion in Treasuries earning 4.5%.

That's $6 billion annually.

Passed to you: $0.

Tether keeps everything.

Legally mandated.

By Congress.

It gets worse.

January 1, 2026: China activated interest-bearing digital yuan.

American digital dollar: 0% yield (banned) Chinese digital yuan: 0.35% yield (enabled)

For every merchant in Brazil, Nigeria, Indonesia choosing settlement rails:
America charges you to hold dollars. China pays you to hold yuan.

This is what "dollar dominance" looks like now.

The smart money already sees it.
BlackRock's BUIDL: $2.8 billion AUM, pays 4.9% Franklin's BENJI: $849 million AUM, pays 4.9%

Same Treasury backing. Different legal wrapper. Full yield to holders.

Institutional capital is migrating from zero-yield stablecoins to yield-bearing tokenized Treasuries.

The GENIUS Act accidentally created the product that kills its own creation.
BIS Working Paper 1270 quantified the asymmetry:

$3.5B inflow: yields drop 2.5 bps $3.5B outflow: yields spike 8 bps

Ratio is 1:3.

Stablecoin issuers have no Fed backstop. No discount window. No lender of last resort.

One confidence crisis forces a $135 billion Treasury fire sale with no rescue mechanism.

Congress built a bomb and called it regulation.
The GENIUS Act didn't secure dollar hegemony.

It created two financial universes:

One extracts yield from holders. One distributes yield to holders.

America chose extraction. China chose distribution.

Bookmark this.

Full analysis with falsification triggers: https://t.co/PU4Jg8xNve

[Shanaka Anslem Perera ⚡ @shanaka86]

53 banking associations just wrote themselves a $6.6 trillion protection bill.

They called it the CLARITY Act.

Here is what they do not want you to understand.

Banks pay depositors 0.1% interest. Stablecoin issuers hold Treasury bills earning 4.5%. If stablecoins could pass that yield to users, banks lose the deposit war. They cannot compete. The math is fatal.

So they made competition illegal.

The Kansas City Fed calculated what happens if stablecoins pay competitive rates. Banks lose 25.9% of deposits. $1.5 trillion in lending capacity vanishes. The entire community banking model collapses.

Their solution was not innovation. Their solution was legislation.

The CLARITY Act everyone is celebrating contains Section 404 prohibiting yield payments through any mechanism. Not just from issuers. From exchanges. From affiliates. From partners. Every single pathway to competitive returns, closed by statute.

Brian Armstrong reviewed the 278-page draft for 48 hours. He withdrew Coinbase support at 11pm. The markup was postponed by morning. He saw what Wall Street analysts missed entirely.

This is not crypto regulation.

This is Dodd-Frank for digital assets. Incumbents writing rules that crush competitors. Regulatory capture so brazen they published the lobbying letters on their own websites.

The American Bankers Association. 52 state banking associations. The Community Bankers Council. All coordinating to eliminate an industry they cannot beat in open markets.

Meanwhile China made e-CNY interest-bearing on December 29.

America is banning stablecoin yield while Beijing is paying it.

The crypto industry spent years begging for regulatory clarity.

They got it.

Clarity that $6.6 trillion in deposits will be protected at any cost. Clarity that banks write the rules. Clarity that if you cannot win in markets, you win in Congress.

This is the largest regulatory capture event in American financial history.

And it is being sold as innovation policy.

[scott irvin @hmvstr]

@umeh098 25

[TONY™ @TONYxTWO]

AI is getting out of control 😭😂

[scott irvin @hmvstr]

https://t.co/yuR6HUxnZd

[scott irvin @hmvstr]

@TiffanyFong @GavinNewsom @Tim_Walz https://t.co/yuR6HUxnZd

[scott irvin @hmvstr]

https://t.co/FY2G5xdGvt

[scott irvin @hmvstr]

@mebeastXsol 4qjMn87wWJzBM2cNTgWjRBvQP7rNpYQv5RqFE4rD4hWd

[Michael Welling @WellingMichael]

“Venezuela has already been invaded…” (IG Rafael De La Fuente) #FreeVenezuela