{"id":37524,"date":"2026-01-20T15:02:19","date_gmt":"2026-01-20T15:02:19","guid":{"rendered":"https:\/\/www.duck9.com\/blog\/?p=37524"},"modified":"2026-01-20T11:02:56","modified_gmt":"2026-01-20T15:02:56","slug":"take-22305-outta-circulation","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/take-22305-outta-circulation\/","title":{"rendered":"Take 22,305 Outta Circulation"},"content":{"rendered":"
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– MicroStrategy acquired 22,305 BTC for $2.125 billion at an average price of $95,284, boosting its total holdings to 709,715 BTC\u20143.38% of Bitcoin’s supply\u2014as announced in a January 20, 2026 filing.\"image2.jpeg\"<\/div>\n
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– This purchase, the largest since February 2025, was funded via at-the-market offerings, with 86% utilization of MSTR capacity and 14% of STRC, reflecting aggressive capital raising for Bitcoin accumulation.<\/div>\n
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– The move reinforces MicroStrategy’s pioneering role in corporate Bitcoin adoption since 2020, potentially influencing other firms by demonstrating treasury diversification amid Bitcoin’s average acquisition cost rising to $75,979 per coin.<\/div>\n
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In the modern world of Duck9, duck-9 duck, \u2018digital underground credit knowledge\u2019, have become essential skills for managing corporate financial operations and even personal finances effectively. As financial services shift online, people must combine traditional knowledge of credit with the ability to navigate digital platforms safely and confidently. <\/div>\n
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This intersection, often called digital financial literacy, empowers individuals to make informed decisions, avoid common pitfalls, and improve their overall financial well-being.<\/div>\n
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Credit knowledge starts with the basics. Credit refers to borrowing money with the agreement to repay it later, usually with interest. Key elements include credit scores, which lenders use to assess risk, credit reports that track borrowing history, and factors like payment history, amounts owed, length of credit history, new credit, and types of credit used. Understanding these components helps people build strong credit profiles, qualify for better loan terms, and access opportunities such as homeownership or favorable interest rates on credit cards. Without this foundation, individuals risk higher costs, denied applications, or long-term financial strain.<\/div>\n
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The digital age has transformed how credit operates. Mobile apps, online lenders, buy-now-pay-later services, and instant digital loans allow borrowing with a few taps on a smartphone. These tools expand access, especially for people without traditional banking relationships or credit histories. Fintech companies use alternative data, such as digital footprints from mobile usage, social media, or transaction patterns, to evaluate creditworthiness. This innovation promotes inclusion by offering credit to underserved populations who might otherwise be excluded.<\/div>\n
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However, the convenience of digital credit brings significant risks. Many digital loans feature high effective interest rates hidden in fees, short repayment periods, and automatic deductions that catch users off guard. Studies in regions with rapid digital credit growth show that borrowers often lack full awareness of terms, including due dates, penalties, or total costs. Low repayment rates and frequent late fees highlight gaps in understanding. In some cases, easy access encourages overborrowing, leading to debt cycles, stress, or reduced financial resilience. Fraud and scams also thrive in digital environments, where phishing attempts or fake lending apps exploit users who do not recognize warning signs.<\/div>\n
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Digital understanding addresses these challenges by building complementary skills. It involves knowing how to use financial apps securely, recognizing secure websites, enabling two-factor authentication, and protecting personal data. It also means evaluating online financial products critically, distinguishing legitimate offers from misleading marketing, and understanding privacy implications when sharing information for credit decisions. When combined with credit knowledge, these abilities create a more complete form of literacy. Research indicates that higher levels of digital financial literacy correlate with better financial well-being, including improved ability to avoid fraud, manage debt responsibly, and use digital tools to track spending or build savings.<\/div>\n
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The importance of this combined knowledge grows as financial systems become more digitized. Traditional financial education often focuses on concepts like budgeting or interest compounding, but it must now extend to digital contexts. Consumers need to learn about algorithmic credit scoring, data privacy regulations, and the long-term effects of digital borrowing on credit profiles. Policymakers, educators, and financial institutions play key roles in closing these gaps through accessible resources, targeted programs, and clear disclosures. For example, simple interventions like text or voice message reminders about loan terms have improved knowledge and repayment in some settings.<\/div>\n
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Ultimately, thriving in the digital financial landscape requires more than access to technology or credit products. It demands ongoing learning to blend credit fundamentals with digital competence. Individuals who develop both areas gain greater control over their finances, reduce vulnerability to exploitation, and position themselves for long-term stability. As digital innovation continues to reshape money management, prioritizing this dual understanding becomes not just advantageous but necessary for economic participation and security.<\/div>\n

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Hermes Lux<\/a><\/b><\/td>\n<\/tr>\n
\u2066\u202a@HermesLux\u202c\u2069<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/td>\n<\/tr>\n
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MSTR buys another 22,305 BTC; now holds 709,715 BTC, or 3.38% of the total BTC supply:<\/p>\n

$MSTR<\/a> ATM = $1,827.3M\/ 86%
$STRK<\/a> ATM = $3.4M \/ < 1%
$STRF<\/a> ATM = $0M \/ 0%
$STRD<\/a> ATM = $0M \/ 0%
$STRC<\/a> ATM = $294.3M\/ 14%<\/p>\n

Total ATM = $2,125M\/ 100% pic.x.com\/8O6VbGxCqj<\/span><\/a><\/td>\n<\/tr>\n

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1\/20\/26, 7:08\u202fAM<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n <\/td>\n<\/tr>\n
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Chapter 1 to Chapter 14\u2019s an \u201cEaster Egg\u201d at <\/span>#ch1 to #ch14. Including #ch2 which\u2019s chapter 2 at my house in Napa California<\/span><\/div>\n

http:\/\/www.youtube.com\/watch?v=ejeIz4EhoJ0<\/span><\/p>\n


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On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts at 300 w 44th St at New York Fashion Week’s front row
http:\/\/www.youtube.com\/watch?v=QXIaNZi3mHQ<\/span><\/span><\/div>\n

What A Super Model Can Teach a Harvard MBA About Credit www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit<\/a><\/span><\/p>\n

American Express hosts me mentoring you about FICO scores at New York Fashion Week
t.co\/inxTmZAj<\/a><\/span><\/p>\n

My video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve 
http:\/\/www.youtube.com\/watch?v=eudADPfTWiE<\/span>
<\/span>***********<\/span><\/div>\n

Steve Jobs Texted me on 650-283-8008 in the same way that Mr Jobs called Bill Hewlett <\/span>https:\/\/x.com\/superSaiyanSkai\/status\/1941392367304761636\/video\/1<\/a><\/span><\/div>\n

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<\/span><\/div>\n
Larry Chiang<\/span><\/div>\n
Fund of Founders<\/div>\n
Founding Stanford EIR<\/div>\n
@duck9 alum, Deeply Understood Capital Credit Chinese Knowledge 9<\/div>\n
Solo Founder Uber API<\/div>\n
650-566-9600 Office<\/div>\n
650-566-9696 Direct<\/div>\n
Cell: 415-720-8500 <\/div>\n

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650-283-8008 (cell)<\/span><\/div>\n

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Editor of the widely syndicated “What They Don’t Teach at School”
whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a><\/span><\/p>\n

CNN Video Channel: ireport.cnn.com\/people\/larrychiang<\/a><\/span><\/p>\n

Read my last 10 X posts at www.X.com\/LarryChiang<\/a><\/span><\/p>\n

Author of #WTDTYASBS a NY Times Bestseller released 09-09-09 at #NYFW on a runway under the tents
whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/span><\/p>\n

www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/span><\/p>\n

52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering
http:\/\/www.youtube.com\/watch?v=vDBY0GkI3-g<\/span><\/p>\n

Emergency swings and cutting deals as an 9 year old
http:\/\/www.youtube.com\/watch?v=OFGY7v9C4G0<\/span><\/p>\n

Hunter Pence shared thoughts before winning WORLD SERIES’ Game #7
http:\/\/www.youtube.com\/watch?v=usu0luYy9pw<\/span><\/span><\/p>\n


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– MicroStrategy acquired 22,305 BTC for $2.125 billion at an average price of $95,284, boosting its total holdings to 709,715 BTC\u20143.38% of Bitcoin’s supply\u2014as announced in a January 20, 2026 filing. – This purchase, the largest since February 2025, was funded via at-the-market offerings, with 86% utilization of MSTR capacity and 14% of STRC, reflecting […]<\/p>\n","protected":false},"author":1,"featured_media":37525,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-37524","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/37524","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=37524"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/37524\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media\/37525"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=37524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=37524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=37524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}