Learn Crypto Podcast

Hosted by Pete Bui

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Oct 2026

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About the show

The Learn Crypto Podcast (formerly the Learn Cardano Podcast) helps you understand crypto and blockchain, from the basics through to the details. Cardano remains a core focus, alongside the wider crypto space: Bitcoin, Ethereum, DeFi, stablecoins, wallets, security and regulation. Whether you are new to crypto or already building, this podcast is for you. Expect news updates, interviews with founders, builders and community members, and step-by-step guides on staking, governance, smart contracts, DeFi and staying safe. Subscribe and leave us a 5-star review. Find all of the show notes at https://learncardano.io . Follow me personally: https://chatsoon.app/id/peter-bui-5ec50167 DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed. No tokens, payments, or incentives were received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncryptopod 🔗 https://facebook.com/learncardano

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October 26, 202622 min

Can Bitcoin Fix Cardano DeFi? FluidTokens’ Bifrost Explained

Originally recorded in April 2026, this Builders Bench conversation with Raul from FluidTokens examines Bifrost, a proposed route for bringing native Bitcoin liquidity into Cardano without relying on a conventional custodial bridge. Raul explains how Bitcoin can be held through a flexible multisignature controlled by participating Cardano stake pool operators, with signing power weighted by delegated stake. Peter and Raul discuss the 67% stake threshold, how stake pool operators join the network, what an attack would require, and why Bitcoin holders may be interested in borrowing against BTC rather than selling it. The conversation also covers atomic swaps, Cardano’s UTXO model, one-click DeFi experiences and a walkthrough of the Bifrost testnet flow. Chapters: 0:00 Intro 1:19 What Is Bifrost? 4:20 How Bifrost Secures Bitcoin 8:44 Stake Pool Operators Run the Bridge 10:04 Could Someone Attack It? 11:44 Can Bitcoin Fix Cardano DeFi? 14:57 What Bitcoiners Want 17:44 One-Click Bitcoin DeFi 19:08 Bifrost Testnet Walkthrough What you’ll learn: • FluidTokens designed Bifrost to connect native Bitcoin with Cardano while avoiding custody by a single company or bridge operator. • Bifrost’s Bitcoin multisignature is intended to be controlled by participating Cardano stake pool operators, with signing power weighted by delegated stake. • The stated signing threshold is 67% of total participating Cardano stake rather than a simple count of stake pool operators. • FluidTokens’ atomic swaps allow native BTC to be exchanged for Cardano assets without handing custody to a third party. • Bitcoin-backed borrowing is presented as an early DeFi use case for holders who do not want to sell their BTC. • Cardano’s UTXO model could help combine borrowing, stablecoin and liquidity actions into a more approachable one-click experience. • The Bifrost testnet flow uses a redeemable Bitcoin Taproot deposit so users retain a recovery path if the bridge does not process the transaction. References: • Raul: https://link.learncardano.io/plOyrH • FluidTokens: https://link.learncardano.io/I2TCAy • FluidTokens Bitcoin: https://link.learncardano.io/XTulqm • FluidTokens app: https://link.learncardano.io/6LpZan • FluidTokens docs: https://link.learncardano.io/V0BtsW Educational content only; not financial or legal advice. Do your own research. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 23, 202619 min

Cardano’s MiCA Push, Digital Commodity Status and 22M ADA Vote

Cardano faces a busy week of regulation, governance and real-world adoption. The Cardano Foundation has responded to the European Commission’s MiCA review, joined a cross-chain call for clearer US treatment of digital commodities, and highlighted why Cardano’s non-custodial staking model should not be treated like custodial staking services. Peter also examines Toto Finance’s 22 million ADA treasury proposal for a tokenised copper reserve, CIP-23 min-margin changes expected with the Dijkstra hard fork, 100,000 farms registered through 5am.earth, Lovelace Land’s 3D ecosystem map and RealFi’s reported $2.7 million tokenised fund. The update closes with Bitwater, a proposed screw-in water-heater element that uses Bitcoin-mining heat, including Peter’s practical questions about the product and its claimed utility. The episode begins with a cybersecurity warning and keeps uncertain points clearly framed: Peter has not completed a detailed assessment of the Toto proposal, and his Bitwater discussion is editorial rather than an endorsement. Chapters: 0:00 Intro and a Word of Warning 1:17 Cardano Foundation Responds to MiCA 2:03 Non-Custodial Staking on Cardano 3:03 What About Australian Regulation? 4:32 ADA as a Digital Commodity 6:14 How Stake Pool Operators Get Paid 7:26 Toto Finance Copper Reserve Proposal 9:56 Treasury Season and Funding 10:32 CIP-23 Min Margin in the Dijkstra Hard Fork 10:54 5am.earth: 100,000 Farms on Cardano 11:55 Lovelace Land: Cardano Ecosystem in 3D 13:30 RealFi Tokenised Fund Hits $2.7M 14:06 Token Terminal Data in Claude 15:07 Bitwater: Heat Water, Mine Bitcoin 17:18 Putting Bitcoin Mining Heat to Use 18:39 Wrap Up What you’ll learn: • The Cardano Foundation’s MiCA response argues for rules that distinguish decentralised networks and Cardano’s non-custodial staking from custodial financial services. • The Cardano Foundation and five other blockchain organisations want US rules to state clearly that digital commodities such as ADA are non-securities. • Toto Finance is seeking 22 million ADA from the Cardano treasury for a strategic copper reserve, while Peter cautions that he has not yet completed a detailed proposal review. • CIP-23 min-margin changes are expected to be included in the Dijkstra hard fork, with the aim of helping smaller stake pool operators compete. • 5am.earth reports 100,000 farm lands in India registered on Cardano, providing a concrete example of on-chain agricultural records. • Lovelace Land presents Cardano projects and dependencies as a navigable 3D ecosystem map built from public and on-chain data. • Token Terminal reports a $2.7 million market cap for RealFi’s Cardano-native sUSDrf tokenised fund. • Heatbit’s Bitwater concept aims to reuse Bitcoin-mining heat in an existing electric water tank; Peter discusses it as an unendorsed product idea and says he was not paid by the company. References: • Cardano Foundation and digital commodities letter: https://link.learncardano.io/WovuDk • Peter’s digital commodities summary: https://link.learncardano.io/1rQT1f • Cardano Foundation MiCA consultation response: https://link.learncardano.io/25MKLv • Peter’s MiCA summary: https://link.learncardano.io/YBjvoH • Toto Finance copper reserve overview: https://link.learncardano.io/EfNrMI • Toto Finance proposal announcement: https://link.learncardano.io/FOgaaT • Toto Finance follow-up thread: https://link.learncardano.io/XtlRWb • GovTool proposal: https://link.learncardano.io/CNXTzT • CIP-23 min-margin update: https://link.learncardano.io/ylYw8p • 5am.earth 100,000 farms milestone: https://link.learncardano.io/wk8S1a • Lovelace Land announcement: https://link.learncardano.io/EWKeRp • Lovelace Land: https://link.learncardano.io/9lqiJJ • RealFi and Token Terminal summary: https://link.learncardano.io/aQPb8J • Bitwater announcement: https://link.learncardano.io/msUyV8 • Heatbit on X: https://link.learncardano.io/wbOFWD • Bitwater product page: https://link.learncardano.io/M5F1Bf Disclosure: The Bitwater segment is editorial commentary, not an endorsement. Peter states in the episode that Heatbit did not pay him. Website: https://learncardano.io X: https://x.com/LearnCryptoPod Educational content only; not financial or legal advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 23, 202613 min

Midnight’s Nightmode Brings Private DeFi Across Chains

Midnight has published a new roadmap for Q4 2026 and Q1 2027, covering confidential finance, selective disclosure, cross-chain development and next-generation proving infrastructure. This update also looks at Nightmode, a privacy layer being developed with Sig Network for assets and applications across public chains, including a demonstrated Tron wallet experience. Peter breaks down Midnight Passport, Starstream, Nightstream, Dynamic's Fireblocks-backed wallet integration, Fahmi Syed's TOKEN2049 presentation and the four-part Freedom Fighters series featuring Leopoldo López. Disclosure: Peter is a paid Midnight Ambassador. The views in this episode are his own. Chapters: 0:00 Midnight Ecosystem Update 0:13 A Word of Warning 0:47 The Midnight Roadmap 2:17 Identity and Selective Disclosure 3:25 Scaling, Starstream and Nightstream 4:30 Night Mode 6:07 Night Mode Coming to Tron 6:59 Dynamic and Fireblocks 7:28 Single Sign-On With Your Wallet 8:59 Why Integration Took So Long 10:33 Fahmi at TOKEN2049 11:14 Freedom Fighters 12:29 Wrap Up 12:52 Final Safety Reminder What you'll learn: • How Midnight's roadmap connects confidential finance, digital identity, cross-chain development and proving infrastructure. • How selective disclosure can prove an attribute without revealing unrelated personal details. • What Starstream and Nightstream are intended to contribute to Midnight's technical stack. • How Nightmode aims to bring shielded privacy to assets and applications on public chains. • What Dynamic's integration means for embedded wallets and Login with Midnight. • Why users should verify projects, websites and wallet requests before interacting. References: - Midnight Foundation safety reminder: https://link.learncardano.io/4Eb0mQ - Midnight roadmap thread: https://link.learncardano.io/Sl1HYL - Official Midnight roadmap: https://link.learncardano.io/u2aXGK - Introducing Nightmode: https://link.learncardano.io/CCp306 - Midnight and Tron demonstration: https://link.learncardano.io/DrB4ow - Nightmode cross-chain privacy article: https://link.learncardano.io/8jIDgx - Dynamic and Fireblocks integration: https://link.learncardano.io/rfJbIG - Fahmi Syed at TOKEN2049: https://link.learncardano.io/mCaqdk - Freedom Fighters series: https://link.learncardano.io/XaGOlx All links: https://link.learncardano.io/j4yE4L Subscribe to the podcast: https://link.learncardano.io/IbVJqj Support the channel: https://link.learncardano.io/E6wHk0 Disclaimer: This content is for educational purposes only and is not financial or legal advice. Verify official sources and consider your own circumstances before acting. #MidnightNetwork #Nightmode #BlockchainPrivacy DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 21, 202615 min

SecondFi Recovery: 100M ADA Returned After the Yoroi Hack

SecondFi users are reporting successful recoveries after the June 2026 Yoroi wallet exploit, with the recovery process transferring 100 million ADA and 22 million NIGHT to verified destination addresses. This episode explains what happened, how EMURGO is making affected users whole and why the recovery tool is a significant outcome after a serious wallet compromise. Peter also walks through the recovery flow, the computer requirements for generating an ownership proof, the limits around NIGHT allocations, NFTs, staking rewards and external DeFi positions, plus the security checks every affected user should follow. Never reuse a compromised wallet, never respond to recovery DMs and verify that you are on the official SecondFi website before entering a recovery phrase. Chapters: 0:00 Users Are Getting Funds Back 0:45 Two Recovery Buckets 3:03 How the Yoroi Exploit Worked 4:18 100M ADA Recovery Update 5:06 Recovery Scam Warnings 6:14 How Ownership Is Verified 6:53 NIGHT Allocation Complications 9:00 Starting the Recovery Process 10:12 Proof and Computer Requirements 11:23 NFTs and Staking Rewards 12:58 Recovery Outcome and Thanks 14:24 Final Safety Reminder What you'll learn: - About 374 wallets were linked to the malicious drain, while a separate white-hat recovery secured additional affected assets. - EMURGO committed reserves to make users affected by the malicious 16 million ADA drain whole. - The SecondFi recovery process had transferred 100 million ADA and 22 million NIGHT to verified destination addresses at the time of recording. - Affected users should create a new destination wallet and must not reuse or transact from the compromised wallet. - SecondFi will not send recovery instructions by DM or ask users to transfer assets to a verification wallet. - The recovery proof requires a desktop-class computer, at least 2 GB of available memory and a reliable internet connection. - NIGHT allocations and some external DeFi positions may require separate handling and should not be pursued through unverified third-party tools. Links & References: - SecondFi official recovery website: https://link.learncardano.io/HEoJLc Website: https://link.learncardano.io/bQ68Rc X/Twitter: https://link.learncardano.io/3a1Qtv Disclaimer: This content is for educational purposes only. Nothing constitutes financial advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 21, 20267 min

PHP Zero-Day Leak: Back Up Your Website Before the Patch

Two critical PHP vulnerabilities, CVE-2026-109618 and CVE-2026-109619, were disclosed before the patch was available, creating an urgent remote-code-execution risk for PHP-powered websites. That includes sites built with WordPress, Joomla, Drupal and Magento, along with any overlooked PHP installation still running on a server. Peter breaks down the practical response for website owners and agencies: take fresh backups, confirm hosting and firewall protections, inventory every installed PHP version, move away from end-of-life releases and watch official PHP announcements for patched versions. He also explains the warning signs to monitor, including unusual CPU or memory use, unexpected files, web shells, cron jobs, scheduled tasks and new accounts. If compromise is suspected, isolate the affected server, preserve web-server and PHP logs, and work with the hosting provider or a security professional before making destructive changes that could erase evidence. Chapters: 0:00 The PHP Zero-Day Leak 1:23 What the Exploit Enables 2:09 Managed Hosting Precautions 3:24 Audit Every PHP Installation 4:09 End-of-Life PHP Versions 5:02 Signs of Compromise 5:53 Incident Response Steps 6:23 Protecting Business Websites 7:10 Final Advice What you'll learn: - CVE-2026-109618 and CVE-2026-109619 are critical PHP remote-code-execution vulnerabilities that were disclosed before the patch was available. - Website owners should take a fresh backup and confirm that their hosting provider will apply the relevant PHP security update. - Server administrators should inventory every installed PHP version so forgotten or end-of-life environments are not left exposed. - PHP 5, PHP 7, PHP 8.0 and PHP 8.1 are end-of-life branches discussed in the episode and should not be relied on for current security fixes. - Unexpected CPU or memory spikes, uploaded files, web shells, new cron jobs, scheduled tasks or accounts may indicate malicious activity. - A suspected compromise should be isolated while web-server and PHP logs are preserved for investigation. - Small-business websites are operational assets, so backups, patching, monitoring and direct contact with the hosting provider should be treated as urgent work. Links & References: - Pete on X: "PHP is my life, and now we have 0-day vulnerabilities: CVE-2026-109618 / CVE-2026-109619 I was planning on having an early night! https://link.learncardano.io/Hyy1cI " / X: https://link.learncardano.io/yYxzxr - PHP Remote Code Execution (CVE-2026-109618) | watchTowr: https://link.learncardano.io/lNdTWx - Jλckλι on X: "... get it while its hot... 😈 > CVE-2026-109618 / CVE-2026-109619 (pre-patch PHP 8.x) > session.upload_progress UAF > https://link.learncardano.io/jCnYuj > Courtesy of Me, @acd421 & @Archknight23 #CyberSecurity #infosec #php2shell #php" / X: https://link.learncardano.io/J7flcc - Only for the curious...: https://link.learncardano.io/xLhTWF - PHP: News Archive - 2026: https://link.learncardano.io/LEkW51 - Rapid Response: php2shell, Leaked Critical PHP Vulnerabilities (CVE-2026-109618 & CVE-2026-109619) | Huntress: https://link.learncardano.io/TaBdrg Website: https://link.learncardano.io/bQ68Rc X/Twitter: https://link.learncardano.io/3a1Qtv Disclaimer: This content is for educational purposes only. Nothing constitutes financial advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 16, 202613 min

Nightframes: The AI Agents Charles Says Come After Smart Contracts

Charles Hoskinson presented Nightframes at Midnight City Tokyo as a possible successor to the smart contract: a private, always-on agent that can understand identity, intention and personal context while producing proof of what it did. Peter breaks down the idea in plain English and asks what changes when an AI agent is owned by its user rather than a large platform. The episode explores selective medical-data sharing, rentable AI skills, agents with wallets and spending rules, and Midnight City as a low-stakes environment for testing autonomous behaviour. It also separates the vision from what still needs to be demonstrated, including verifiable receipts, practical privacy controls and a Nightframe running on an ordinary phone. Chapters: 0:00 Charles Introduces Nightframes 0:55 Beyond Smart Contracts 1:58 Identity, Intent and Intelligence 3:11 Who Owns Your AI? 4:51 Private Medical Data 6:06 Renting AI Agent Skills 7:48 Why Agents Need Wallets 8:56 Trust, Limits and Proof 10:00 Midnight City's Test Environment 11:48 Agents That Work for You 12:25 What Still Needs Proving What you'll learn: - Charles Hoskinson describes Nightframes as private, always-on agents that follow user intent and can prove what they did. - Nightframes are intended to be non-custodial and decentralised so the user controls the agent, its identity and its data. - Selective disclosure could let a traveller prove essential medical facts without handing a clinic their entire health history. - A Nightframe skill marketplace could let creators rent specialised AI capabilities without exposing the underlying method. - Autonomous agents need wallets, but useful safeguards also require spending limits, approved purchases and verifiable receipts. - Midnight City is presented as a low-stakes environment where Nightframe behaviour can be tested before real money or personal data is involved. - Peter wants to see Nightframes demonstrate checkable proofs, private skill rental and practical operation on an ordinary phone. Links & References: Midnight City website: - https://link.learncardano.io/VJm2gD Charles presentation at Midnight City Tokyo: - https://link.learncardano.io/mLvRuG Website: https://link.learncardano.io/bQ68Rc X/Twitter: https://link.learncardano.io/3a1Qtv Disclosure: Midnight is a paid partner of Learn Cardano. This episode reflects Peter’s own views. Disclaimer: This content is for educational purposes only. Nothing constitutes financial or legal advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 16, 202630 min

Australia’s New Crypto Rules Could Push Smaller Platforms Out

Australia’s crypto industry is moving into a stricter regulatory phase. ASIC Consultation Paper 392 sets out proposed guidance and standards for digital asset platforms and tokenised custody platforms ahead of the new regime commencing in April 2027, covering licensing, client assets, trading, settlement and financial requirements. Peter speaks with Michael from StormRake about what the consultation means for exchanges, brokers and everyday Australian crypto users. They unpack AFSL applications, the cost of compliance, the gap between more than 300 AUSTRAC-registered entities and roughly 140 licence applicants, and whether smaller operators may leave the market. The discussion also covers bank restrictions on crypto payments, privacy, peer-to-peer transactions, self-custody trade-offs and why both industry participants and consumers should engage with the consultation while the proposed standards can still be shaped. Chapters: 0:00 Why Australia’s Crypto Industry Is Worried 1:28 What ASIC Consultation CP392 Changes 3:05 Exchanges, Brokers and Digital Platforms 4:26 April 2027 and AFSL Requirements 5:17 The Cost of Crypto Compliance 7:26 Consumer Protection or Tax Control? 9:53 Privacy and Peer-to-Peer Crypto 13:02 Who Is Driving the Regulation? 15:19 Banks Blocking Crypto Payments 20:03 What Australian Users Can Do 24:51 Making the Consultation Count 29:11 Why Local Support Still Matters What you'll learn: - ASIC Consultation Paper 392 proposes guidance and operational standards for digital asset platforms and tokenised custody platforms ahead of the April 2027 regime. - Crypto exchanges and brokers may be captured as digital asset platforms and require appropriate Australian financial services licensing. - More than 140 entities have reportedly applied for an AFSL, compared with more than 300 crypto businesses previously registered with AUSTRAC. - Licensing can require months of internal work, external advice, system changes and ongoing compliance staff, creating a heavier burden for smaller operators. - Fewer licensed platforms could reduce competition and consumer choice even as the framework aims to improve safeguards for client assets and trading. - Australian users are already experiencing bank restrictions on some crypto-related payments, which the discussion links to institutional risk settings. - Self-custody can reduce reliance on platforms but introduces its own security and recovery risks, so it is not a simple answer for every user. - The consultation gives industry participants and the public an opportunity to comment before ASIC finalises detailed guidance and standards. Links & References: - Australia Sets New Crypto Reporting and Licensing Rules for 2027 / X: https://link.learncardano.io/4... - Australia Proposes Capital, Custody Rules for Crypto: https://link.learncardano.io/z... - 26-245MR ASIC consults on implementation of new digital asset laws | ASIC: https://link.learncardano.io/T... - ASIC Consultation - Google Docs: https://link.learncardano.io/n... Watch on YouTube: https://youtu.be/X0lJ5DBZzr8 Website: https://link.learncardano.io/b... X/Twitter: https://link.learncardano.io/3... Disclaimer: This content is for educational purposes only. Nothing constitutes financial advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 15, 202611 min

Borrow Against Your Crypto? The Elon Musk Strategy Explained

Borrowing against crypto can provide cash without selling the underlying asset, but it replaces a potential capital gains event with interest, liquidation risk and counterparty exposure. Using Elon Musk's Tesla-backed borrowing as a starting point, Peter explains why the ultra-wealthy tend to borrow conservatively against large asset pools rather than treating debt as free money. The episode compares the US ‘buy, borrow, die’ strategy with Australia's different inherited-asset cost-base rules, then models how a 50% crypto loan-to-value ratio can quickly rise into margin-call territory when collateral falls. It also examines Nexo Credit Line for Australian clients, including its revolving structure, variable rates and LTV limits, provider custody, and the questions borrowers should consider before putting digital assets up as collateral. Chapters: 0:00 Borrow, Don't Sell 1:31 Elon Musk's Tesla Loans 3:15 Why Low LTV Matters 3:54 Buy, Borrow, Die 5:49 Australia's Tax Difference 6:25 Crypto-Backed Lending 6:50 LTV and Liquidation Risk 7:33 Counterparty Risk 8:38 Nexo Credit Line 9:26 Risks and Trade-Offs 10:19 The Real Takeaway What you'll learn: - Asset-backed borrowing allows owners to access cash without selling, but interest, collateral requirements and forced-sale risk still apply. - Tesla's board caps Elon Musk's borrowing against pledged shares at 25% of their value or US$3.5 billion, whichever is lower. - The US ‘buy, borrow, die’ strategy relies partly on inherited assets receiving a step-up in cost basis, which does not translate directly to Australia. - Australian beneficiaries generally inherit the original cost base for post-CGT assets, so borrowing is mainly about timing and retaining exposure rather than eliminating tax. - A 50% crypto LTV can rise to 83.3% after a 40% fall in collateral value, potentially triggering a margin call or forced sale. - Crypto-backed loans introduce counterparty risk because the provider controls the pledged collateral. - Nexo Credit Line is presented as a revolving credit facility for eligible Australian clients, with rates and limits depending on current product terms and loyalty tier. - Borrowers should test whether they could cover interest or add collateral during a sharp downturn without putting savings or their financial safety net at risk. Links & References: - Nexo: https://link.learncardano.io/QR6DJe References: - https://link.learncardano.io/dVfUo8 - https://link.learncardano.io/tk6n0Z - https://link.learncardano.io/InqQwf - https://link.learncardano.io/3wmaq8 Website: https://link.learncardano.io/bQ68Rc X/Twitter: https://link.learncardano.io/3a1Qtv Disclaimer: This content is for educational purposes only. Nothing constitutes financial advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 14, 202636 min

Cardano at Token2049: Hackathon Wins, RWAs and Midnight

This Cardano news update covers the biggest Token2049 Singapore takeaways and the follow-up announcements now landing across the ecosystem. Peter starts with the latest Ledger and Trezor supply-chain concerns, then moves into Cardano's programmable token standard, Midnight's role in private and compliant transactions, and the growing institutional story around Veridian ID and Fireblocks. The episode also breaks down the Cardano Foundation booth, UTXO Pitch Night with Draper Dragon, the Origins Hackathon results, and why the number of teams building on Cardano rails was a strong signal from the event. From there, Peter covers Minswap and Fluid Tokens, Cardano's Japan push with Pacific Meta, RealFi and GeroWallet, the .ada domain application, Butane V2 on testnet, Open Wallet Standard support, and checkout tools like Hokan and Chatsoon. As always, use the official links and project channels before taking action. This is an ecosystem update and security roundup, not financial advice. Chapters: 0:00 Ledger and Trezor warning 5:16 Programmable tokens and Midnight 7:06 Veridian ID spins out 7:57 Fireblocks and institutions 10:17 Token2049 ecosystem push 17:44 Hackathon builders and agents 23:28 Minswap and Fluid Tokens 28:32 Japan, RealFi and .ada 31:25 Butane and wallet standards 34:00 Treasury-funded visibility What you'll learn: - Ledger and Trezor supply-chain reports are spreading beyond one device model, so hardware wallet users should verify purchase channels and device integrity carefully. - Cardano programmable tokens are now positioned for stablecoins, RWAs and other regulated assets that need rules built into native tokens. - Midnight permissionless smart contracts and privacy features connect directly with Cardano use cases that need selective disclosure and compliance. - Veridian ID has spun out from the Cardano Foundation as its own product, while Fireblocks is preparing Cardano Native Token support for institutional custody. - Token2049 put Cardano in front of builders, investors and ecosystem partners through the booth, podcast studio, UTXO Pitch Night and Origins Hackathon. - The Origins Hackathon had strong Cardano participation, including agentic commerce projects using rails such as x402 and Masumi. - Minswap and Fluid Tokens are moving toward a merged Cardano DeFi experience, with CIP-113 testing and multichain plans also in view. - Further updates include Pacific Meta in Japan, RealFi and GeroWallet, the .ada domain application, Butane V2 testnet, Open Wallet Standard support, Hokan and Chatsoon. Links & References: - Trezor Cuts Resellers After Ledger Tampering Scare / X: https://link.learncardano.io/wrRU7H - Rapha.hl on X: "Good morning run before #token2049 💪 Always a good time, gents @F_Gregaard @phillip_pon @planetmaaz @Andytang @snek" / X: https://link.learncardano.io/RGjQIq Theme: - https://link.learncardano.io/MnOlwV - https://link.learncardano.io/T3fWiK Cardano Impact: - https://link.learncardano.io/DTrErN - https://link.learncardano.io/QnuVBp - https://link.learncardano.io/H2bmXk - https://link.learncardano.io/Iiy6CJ - https://link.learncardano.io/AylaBi - https://link.learncardano.io/Zl3IUt UTXO Pitch Night: - https://link.learncardano.io/bINgEG - https://link.learncardano.io/F8kHSw - https://link.learncardano.io/51pkaD - https://link.learncardano.io/YcmKYL - https://link.learncardano.io/gMnTKF Hackathon: - https://link.learncardano.io/wxVI73 - https://link.learncardano.io/VBKLav - https://link.learncardano.io/idZNS1 - https://link.learncardano.io/q0o4Pr Minswap Fluid Tokens: - https://link.learncardano.io/29Ez8X - https://link.learncardano.io/uHGlMN - https://link.learncardano.io/qYkYOV - https://link.learncardano.io/iX0Wus More Cardano News: - https://link.learncardano.io/B9CzZe - https://link.learncardano.io/IHAemN - https://link.learncardano.io/kM5Xyd - https://link.learncardano.io/Qg5ZEs - https://link.learncardano.io/6frdpJ - https://link.learncardano.io/DmKX1G - https://link.learncardano.io/pScnMs - https://link.learncardano.io/OhJfBU Checkout: - https://link.learncardano.io/jnXgKd - https://link.learncardano.io/Uas23g Website: https://link.learncardano.io/bQ68Rc X/Twitter: https://link.learncardano.io/3a1Qtv Disclaimer: This content is for educational purposes only. Nothing constitutes financial advice. DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

October 13, 202624 min

Midnight Goes Permissionless: Solana Privacy, Japan and AI Agents

Peter breaks down the latest Midnight ecosystem updates from Token2049 and the wider Asia tour, starting with permissionless smart contract deployment on mainnet and the sharp rise in network activity that followed. He also covers Solana wallet support for private DeFi, NIGHT access through OKJ in Japan, and Fahmi Syed’s collateral warehouse example for private but compliant trading infrastructure. The episode also looks at the community and builder side of Midnight: ambassador activity at Token2049, Charles Hoskinson’s Midnight City presentation, AI agents hiring humans to walk the conference floor, the Tokyo activation, and the startup pitches building around privacy. Peter closes with updates on his own Hokan escrow platform and Chatsoon networking CRM, and how Midnight privacy could fit into those products. Chapters: 0:00 Midnight Mainnet Opens Up 1:39 Solana Privacy Support 3:26 NIGHT Access in Japan 4:48 Collateral Warehouse Use Case 8:12 Midnight Ambassador Network 12:16 Midnight City and AI Agents 15:14 Token2049 Side Events 17:32 Startup Pitches on Midnight 19:56 Tokyo Activation 21:07 Hokan Escrow Plans 22:10 Chatsoon Event CRM 23:43 Wrap Up and Next Updates What you'll learn: - Midnight has removed the previous permission gate for smart contract deployment, allowing builders to deploy directly on mainnet. - Daily Midnight transactions reportedly jumped sharply after permissionless contracts opened up, showing early mainnet activity from builders and testers. - Solana wallet support is being connected to Midnight so users can access private swaps and private DeFi flows from their existing wallets. - OKJ is expanding NIGHT access in Japan, an important market for long-time Cardano and ADA holders. - The collateral warehouse idea shows how Midnight can support private trading and asset movement while still allowing compliance proofs where needed. - Midnight City is being used as a visible proof of concept for AI agents, passports, rentable skills, and private on-chain activity. References: 1. Pete - https://link.learncardano.io/HamXI1 2. Linda - https://link.learncardano.io/tfg2bU 3. Linda - https://link.learncardano.io/1Qn81J 4. Sebastien Guillemot - https://link.learncardano.io/3AYHM4 5. Midnight - https://link.learncardano.io/pfIYpS 6. OKJ（オーケージェー） - https://link.learncardano.io/vKnlJM 7. support.okj.com - https://link.learncardano.io/tQTv7x 8. SWANNY 🔺 - https://link.learncardano.io/StVYa6 9. Sydney Nelson - https://link.learncardano.io/wTm5sW 10. Cointelegraph - https://link.learncardano.io/oBI9x1 11. Ele Mather - https://link.learncardano.io/JIt2MV 12. Jure - https://link.learncardano.io/3wKKEC 13. Alex Pestchanker - https://link.learncardano.io/lOcJQa 14. WEA - https://link.learncardano.io/7J3Rus 15. Sydney Nelson - https://link.learncardano.io/nC69nY 16. Hokan - https://link.learncardano.io/jnXgKd 17. Chatsoon - https://link.learncardano.io/Uas23g Links: All my links - https://link.learncardano.io/j4yE4L Support the channel - https://link.learncardano.io/E6wHk0 Delegate to ADAOZ - https://link.learncardano.io/8eQt6m Audio podcast - https://link.learncardano.io/IbVJqj Disclosure: I am a Midnight Ambassador. Views are my own. This is educational content, not financial or legal advice. Do your own research. #cardano #midnight #blockchain DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content. 🔗 https://www.youtube.com/watch?v=Fq8FhvxET2k Subscribe to the audio podcast: 🔗 https://bit.ly/learncardano-spotify 🔗 https://apple.co/3jEPM8C 🔗 https://learncardano.io/ Follow on Social: 🔗 https://x.com/learncardano 🔗 https://facebook.com/learncardano

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