The Mustard Seed—a bitcoin and long-term thinking podcast Bitcoin to $10,000,000 with Rajat Soni
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Jan 7, 2026 Rajat Soni, a former fixed-income professional turned Bitcoin educator, shares insights on Bitcoin's transformative role in finance. He discusses how traditional valuation models falter when applied to Bitcoin and why it should be viewed as a form of money rather than a cash-flow asset. Rajat delves into Bitcoin's characteristics, its low-risk profile as collateral for loans, and the implications for future economies. His views on the political consequences of real estate hoarding and the potential for Bitcoin to inspire innovation are particularly compelling.
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From Fixed Income To Bitcoin Conversion
- Rajat describes moving from fixed-income portfolio work to creating personal finance content after discovering The Bitcoin Standard.
- Reading the book changed his worldview and led him to prioritize Bitcoin as an uncensorable, non-printable savings vehicle.
CFA Investigations Over Bitcoin Advocacy
- Rajat recounts being investigated twice by the CFA Institute for his public Bitcoin views.
- He says one investigation insisted he separate facts from opinions and another probed his claim that Bitcoin-backed loans are low risk.
Bitcoin As Superior Collateral Lowers Lending Risk
- Rajat argues Bitcoin makes exceptionally strong collateral for loans due to liquidity and global buyer depth.
- He predicts Bitcoin-backed loan rates could fall below traditional mortgage rates as lenders perceive lower risk.
