Research
Original analysis, plus outside research I have collected and annotated, with the sources behind every claim.
The case for a 10% bitcoin allocation
River's report arguing that a traditional 60/40 portfolio no longer protects against inflation, and that most long-term investors should hold at least 10% bitcoin.
What's driving Bitcoin adoption in 2026?
River's annual adoption report: network growth, who owns bitcoin, bank and business activity, Lightning and government adoption in 2025.
Why business owners are putting 22% of profits into bitcoin
River's 2025 report on business bitcoin adoption: treasury companies, small-business owners, and the barriers that remain.
Businesses already own 8% of all bitcoin
River's October 2026 look at business bitcoin holdings, 2026 buying, and a survey of its business customers.
Navigating Bitcoin Storage
River's report on how bitcoin is held across exchanges and self-custody, how much has been lost, and what standards it says custodians should adopt.
Does timing matter for recurring bitcoin buys?
River backtested every hour of the week for scheduled bitcoin purchases and found the differences between best and worst times were small.
The hidden $800 billion tax on Americans
River's argument that inflation works like a tax on everyone who holds dollars, with the cost put at about $6,000 per household a year.
How your money flows through River
River's explainer on how it holds cash and bitcoin, moves funds, pays bills and sources liquidity.
They're watering down your sweet tea, and how you can stop them
Why you feel stuck, in plain economic terms: money is stored time, fiat leaks it by design, and there is one money that does not. Originally published on X, with an audiobook version.