Crypto Forum

The Concept

Delayed Credits is a new feature that evolved from the investment in Bitnest whereby the DCS Bitcoin wallets assumed all risk of losses while offering returns in Bitcoin to participating wallet holders. Check out this video for proven payouts & returns of our Bitnest plays.

The opening statement deserves everyone's full understanding to better grasp the real potential of the wallets and the new Delayed Credits feature. So here are some key points from the statement that should be pointed out.

1) BitNest was (and currently is) an extremely high-risk play.

2) Our Bitcoin wallets are performing at levels that allowed them to mitigate 100% of the risk without degrading the performance or sustainability of the system.

3) Participants earned a minimum return of 5% on their Bitcoin per month, and this return was guaranteed either in Bitcoin or through the issuance of Credits (if BitNest failed to pay).

4) The wallets were able to take on the risk based on its management of resources derived from internally-driven revenue. This means that no new signups or capital injections were needed for the platform to seamlessly digest thousands of dollars in losses.


So because of our wallets, our users were able to participate in the venture with absolutely NO RISK OF LOSS, and that from a project (BitNest) that is extremely high-risk!

PLUS, our strategy came with a guaranteed return; meaning that every participant would walk away with more Bitcoin than what they put in, and the results are documented in the video referenced above.


While those of us that participated in the DCS/BitNest strategy were able to exit with more Bitcoin in our wallets, the BitNest campaign ultimately served to gauge the interest of our existing user base. And based on the level of interest observed, the decision was made to cancel further investments in BitNest (which progressively increased in risk) and fine-tune a concept that produces similar rewards in Bitcoin, but with no risk for the users and an extremely low risk for the system. And this is how the concept of the Delayed Credits feature was born.

But before delving in, let's do a quick comparison of the 4 points mentioned above (for BitNest) and compare them with the following points that apply with the Delayed Credits feature:

1) Our Bitcoin wallets are and have proven to be an extremely low risk way to grow your Bitcoin holdings.

2) Our wallets still perform at the same level, but do not have to incur a high risk since the feature continues to build on the ecosystem itself.

3) Participants will earn a minimum of 20% in Credits per month or a minimum of 5% in Bitcoin per month. This too is pretty much guaranteed.

4) This feature not only supports the monthly payouts and minimizes the risk of losses, but it also opens the door to the first external source of revenue for the ecosystem; which will ultimately increase the performance & returns for all wallet holders.


So what is "Delayed Credits" and how does it work?

This feature is yet another way to acquire Credits at discounts, similar to purchasing Credits in the marketplace or enabling automated processes such as the Stimulus Program or the Automated Satoshi Stacker. However this features offers Credits at discounts that are beyond what you will typically find in the marketplace or through the automated features. When this feature is available, the minimum discount in Credits that you'll enjoy is 20%, however, the Credits will not be issued until the designated redemption date (which is 30 days after the purchase of Delayed Credits). Hence the name Delayed Credits.

Furthermore in lieu of Credits being returned, this feature will prioritize the return of Bitcoin instead; with a minimum return of 5%. Delayed Credits also support smaller purchases as little as 1 British Pound (GBP), making it an affordable opportunity for all wallet holders to experience.

But there is one caveat that must be mentioned. The amount of Delayed Credits that you can purchase is limited to the amount of Bitcoin that you have paid to purchase Credits in the Marketplace over the past 30 days. If you have made no marketplace purchases within the past 30 days, your wallet will not be eligible to purchase Delayed Credits. If you spent 0.0001 BTC in marketplace purchases in the past 30 days, you will be able to purchase up to 0.0001 BTC in Delayed Credits.

But there is one caveat that must be mentioned. The amount of Delayed Credits that you can purchase is limited to 10 times the amount of Bitcoin that you have paid to purchase Credits in the Marketplace. If you have made no marketplace purchases, your wallet will not be eligible to purchase Delayed Credits. If you spent 0.0001 BTC in marketplace purchases, you will be able to purchase up to 0.001 BTC in Delayed Credits.

That's it in a nutshell, so let's now discuss the built-in automation of the Delayed Credits feature.


Delayed Credits Automation

Considering that marketplace purchases are required to buy Delayed Credits, an additional feature has been designed to automate the purchase of Delayed Credits each time a wallet purchases Credits from the marketplace. Unlike other automated features of the wallets that offer "set it and forget it" options, this automation is only triggered when Credits are manually purchased from the marketplace.

The amount of Delayed Credits purchased through this automation will be the same Bitcoin amount that was spent to purchase Credits in the marketplace. So if you purchase 0.0001 Credits for 0.00009 Bitcoin, the automated process will immediately purchase 0.00009 BTC in Delayed Credits; assuming the available Bitcoin balance on your wallet is sufficient. If your wallet doesn't have enough Bitcoin to support the full purchase of Delayed Credits, no automated purchase of Delayed Credits will occur.

To enable or disable this automated feature, log in to your wallet's settings and toggle the switch for "Auto-Buy Delayed Credits". If this feature is enabled, your wallet will always send an email notification when you make a purchase in the marketplace; just to remind you that other automated transactions are or may be occurring whenever you make a purchase from the marketplace. These notifications are sent to help avoid confusion and cannot be disabled. If you do not with to receive such notifications, you can filter the email or disable the "Auto-Buy Delayed Credits" feature altogether.


How do buyers of Delayed Credits benefit?

Since the system is designed to prioritize Bitcoin returns over the issuance of Credits, most participants will receive a return in Bitcoin when each 30-day redemption period is reached. In such cases, there's no need to wait for Credits to convert - it's Bitcoin in today and Bitcoin out with interest in 30 days. And should the system determine that Credits should be issued instead, your wallet will receive a larger amount of Credits than what is typically available for sale in the marketplace. Should you wish to convert those Credits to Bitcoin faster, there's always the option to sell them in the marketplace.

In the end, the Delayed Credits feature offers an even faster way to grow your Bitcoin holdings. Just consider... A minimum 5% return per month in Bitcoin is a 60% APY on your Bitcoin, and a minimum 20% return in Credits is a 240% increase! If you know of any other system where you can safely place your Bitcoin and make such returns, I'm all ears. I'd venture to say that outside of our wallets, such opportunities simply don't exist.


How does the ecosystem benefit?

When Delayed Credits are purchased, they are purchased directly from the platform and rather than transferring the Bitcoin received to the vault, the Bitcoin is used for active trading in the open market. Over the course of 30 days, the probability of generating profits is relatively high while the system itself covers any losses that may occur (thus eliminating any risk for end users). The returns from trading should support a minimum 105% return in Bitcoin for most if not all Delayed Credits purchases. And that's the easy part.

The benefit to the ecosystem comes when returns from each redemption date meet or exceed 20%. In such cases, wallets that purchased Delayed Credits will receive 105% in Bitcoin (ie. and additional 5% or 25% of the 20% profits) and the remaining 75% of the 20% in profits will go into the system; whereby 80% of such is fed into the Vault as an added source of revenue.

Returns exceeding 20% serve as capital for additional trading and reserves for future BTC payouts.

This feature also incentivizes increased engagement and activity in the marketplace; considering that marketplace purchases are required in order to purchase Delayed Credits. Now consider what this does:

1) It stimulates even more system-generated revenue from marketplace activity.

2) Increased marketplace activity enhances the marketplace experience for both buyers and sellers of Credits. Sellers listing competitive offers will likely see their Credits selling at a faster pace while buyers are able to simultaneously use two of the top performing features of the wallet to maximize their Bitcoin holdings.

3) The combined effect from both external revenue and increased income from the marketplace will ultimately stimulate even greater interest and engagement for more users.


How do other users benefit?

Regardless if a wallet holder purchases Delayed Credits or not, all wallet holders will benefit from new and increased revenue streams flowing into the system. Remember that the system was designed to adjust and maintain a stable level of performance, which it has reached through the revenue that has historically been generated internally. With the introduction of new revenue, the system will continue to adjust accordingly; resulting in faster Credit conversions and higher APYs for all wallets.


When can we expect to see results from Delayed Credits?

For direct participants, either Credits or Bitcoin will be issued 30 days after each purchase of Delayed Credits. Note that purchases can be made as often as desired with a minimum purchase amount equivalent to 1 British Pound (GBP).

For the ecosystem itself, the timing of the results depends on how much the feature is used and the returns generated from trading. But I'd expect to start seeing signs of increased performance about 40 days after the feature is released and made known.


SPOILER ALERT

Now that you've digested all of that, there's more about this feature that will further whet your appetite. But I'll keep that under wraps for the time being and allow you all to see what happens as the system continues to evolve.


Message from the Dev

I tried to write up this post in layman's terms so everyone can grasp a basic understanding of the new feature. But I know that quite a few of you guys are technical so if you have questions, drop them in a reply and if many questions start coming in, I'll connect with Coach and schedule a live AMA to make sure all questions are answered and everyone has a clear understanding of how things work.

But stay tuned, because even more mind-blowing upgrades will be following this one.

Another amazing feature for DCS wallets!!!

I'm still digesting all the new feature info, but needless to say I'm already excited to use this without seeing it yet!
It's fantastic that we are able achieve a bitnest level of reward in only 30 days! Only even better in BTC
The first thing that comes to mind is this is a great feature for wallets that are already pushing the ideal limits in credits and conversion rates.
Over time and with patience using this looks to be a real monthly game changer and get the marketplace thriving even more, as there will be even more benefits now.
For example you can use this as a compounding effect to increase reward rates for the following month even if you already have a lot of credits and high conversions - giving more freedom for faster reinvesting or transfers/payments.

I'm going to try this with 1 account as manual and 1 account as automated and see which I prefer. I'll also look at combining stimulus generator with this as well.
The potential is getting better and better as we go, another earnings layer with a short timeframe for return is the perfect next step.
Will post back findings and examples as we go over the next couple of months - blown away by this can't wait to trial it out!!!

Heads up!!!

This feature has now been enabled

redeemon wrote: Sat Aug 30, 2025 10:58 pm Another amazing feature for DCS wallets!!!

It's fantastic that we are able achieve a bitnest level of reward in only 30 days! Only even better in BTC

Just to clarify, we're not at the level of BitNest's 24% in 28 days as that is unsustainable and designed as a ponzi. But it does match the returns that we were offering for the combo play using both BitNest & the DCS wallets as described in this post. Through this play, participants received a 5% return on their Bitcoin each month.

The Delayed Credits feature does the same thing... Giving a 5% return in Bitcoin or a 20% return in Credits (which is even better than what was offered with the BitNest/DCS play). Plus, the entry amount is as little as 1 GBP in BTC where the BitNest/DCS play was 0.001 BTC per entry. So this allows wallets with smaller bags to participate. And of course, all of the manual processes have been automated... No more sending a payment to a specific wallet, confirming a payment by replying to a forum post, no more logging entries in a spreadsheet, and no more payment distributions on redemption dates. Just a simple way to make a purchase and receive the amount back in either Bitcoin or Credits 30 days later.

And since this has the capability of introducing more revenue into the system, all wallet holders will benefit; not just purchasers of Delayed Credits (although those that do make DC purchases will benefit more).

And finally, there is no risk and no ponzinomics... Just a safe and consistent way to increase our Bitcoin holdings, supporting 60% APYs in Bitcoin.

I wish a platform like this would've existed back in 2022 before I got into the scammy world of defi, but it here now and the future gets brighter with each passing day.

Don't even care about the price of Bitcoin falling! LOL

mistaPhi wrote: Sun Aug 31, 2025 1:14 am Heads up!!!

This feature has now been enabled

redeemon wrote: Sat Aug 30, 2025 10:58 pm Another amazing feature for DCS wallets!!!

It's fantastic that we are able achieve a bitnest level of reward in only 30 days! Only even better in BTC

Just to clarify, we're not at the level of BitNest's 24% in 28 days as that is unsustainable and designed as a ponzi. But it does match the returns that we were offering for the combo play using both BitNest & the DCS wallets as described in this post. Through this play, participants received a 5% return on their Bitcoin each month.

The Delayed Credits feature does the same thing... Giving a 5% return in Bitcoin or a 20% return in Credits (which is even better than what was offered with the BitNest/DCS play). Plus, the entry amount is as little as 1 GBP in BTC where the BitNest/DCS play was 0.001 BTC per entry. So this allows wallets with smaller bags to participate. And of course, all of the manual processes have been automated... No more sending a payment to a specific wallet, confirming a payment by replying to a forum post, no more logging entries in a spreadsheet, and no more payment distributions on redemption dates. Just a simple way to make a purchase and receive the amount back in either Bitcoin or Credits 30 days later.

And since this has the capability of introducing more revenue into the system, all wallet holders will benefit; not just purchasers of Delayed Credits (although those that do make DC purchases will benefit more).

And finally, there is no risk and no ponzinomics... Just a safe and consistent way to increase our Bitcoin holdings, supporting 60% APYs in Bitcoin.

I wish a platform like this would've existed back in 2022 before I got into the scammy world of defi, but it here now and the future gets brighter with each passing day.

Don't even care about the price of Bitcoin falling! LOL

Thanks for a better summary elaboration, this is what I meant - similar aspects to the bitnest offer and DCS combo but without all the manual admin overhead and imho a way safer easier play that benefits the whole platform
2022 and 2023 was horrible now making a slow but steady comeback

Hi mistaphi

For me its just to say thank you for the platform you created and the new feature created. I live in South Africa and appreciate genuine stuffs like these as I am not versed with devs issues but do simple crypto.

Regards
Navara

redeemon wrote: Sun Aug 31, 2025 1:38 am 2022 and 2023 was horrible now making a slow but steady comeback

... Game On

Navara262 wrote: Sun Aug 31, 2025 2:12 am Hi mistaphi

For me its just to say thank you for the platform you created and the new feature created. I live in South Africa and appreciate genuine stuffs like these as I am not versed with devs issues but do simple crypto.

Regards
Navara

Appreciate that Navara and really lookin' forward to the new feature kicking out even better returns for you. I live in the States but my DNA traced back to South Africa. So I'm blessed to hear that I can plant some good seed in the land of my ancestors.

But thanks for the support and participation. Without a doubt, you will greatly benefit from it in time.

God bless my friend.

Amazing stuff Mista Phi. I'm loving the innovation and how your mind works. I'm still digesting the details of the feature and trying to get my head around things....which will take a bit. A few things come to mind if we could get some clarification please.

• Can you explain the safety protocols regarding the trading? As in if the trading is not profitable in 30 days, what happens? How is the vault protected, what margin of risk is being taken etc?

• Is the trading being automated or manual? Scalping? What level of risk assets are being traded? Who is trading, you or is there anyone else trading the assets?

• How is it determined if you receive back 5% in BTC or 20% in credits? How do we know which one? I see a new entry in the Bitcoin Ledger "Bitcoin Paid for Delayed Credits", will we be able to track what we have received BTC or Credits and how much we've gained etc?

I may have missed explanations to some of these questions, still digesting. Sorry if I did. I'm also just pre-empting the questions I may get from my community.

Thanks again for all that you do and your hard work.

You have some good and valid questions DS... So let's jump in.

Digi-Sol wrote: Mon Sep 01, 2025 6:16 am

• Can you explain the safety protocols regarding the trading? As in if the trading is not profitable in 30 days, what happens? How is the vault protected, what margin of risk is being taken etc?

The safety net behind the trading is the issuance of Credits. So regardless if trades are lost or if the exchange goes away, wallet holders are still protected through the issuance of Credits. After all, that is what this feature does - allows users to acquire Credits at discounts (just like when credits are issued from Deposit Fees or daily Stimulus purchases). The only differences are

(1) the discounts from Delayed Credit purchases are higher than you will typically find elsewhere, and
(2) there's a 30-day delay in the issuance of Credits

The possibility of getting a 30-day return in Bitcoin is just an added bonus, and is the payout method of preference as designed within the feature.

Also remember that the Wallets have reached a nice level of performance and sustainability, where the system was capable of digesting losses from the BitNest play in the event that Bitnest rugged or stopped paying out. This same coverage applies here, but that coverage now supports our own ecosystem (not high risk investments like Bitnest). AND, this feature opens the door for external revenue into the platform. So there's only upside potential with no risk to wallet holders.

Digi-Sol wrote: Mon Sep 01, 2025 6:16 am

• Is the trading being automated or manual? Scalping? What level of risk assets are being traded? Who is trading, you or is there anyone else trading the assets?

100% of the trading is done by me and it's all manual. I search for and trade moderately low-risk crypto assets (outside of Bitcoin) that I find short or long-term potential in, and that I find to have reasonable volatility. If anyone has questions about my trading capabilities, this video clip shows proof of how I doubled my investment in about a month.




I always start by investing my own assets first and verifying the potential. And full transparency, that clip confirms a 100+% return in 5 weeks. For the month of August, I'm only up 10%; but consider the market and the fact that I've been working on the development of this new feature. Furthermore, that 10% return for the month is sufficient to cover the system's 5% payout in Bitcoin... Everything extra is either sent to the vault, used for trading, or used to support future Bitcoin payouts.


And here's another question that people may want to consider... What if something happens to me and I can no longer trade? The system is designed to monitor everything so should that happen (or if the exchange shuts down, or if profits from trading are not sufficient), the system will automatically disable new purchases of Delayed Credits while utilizing its previously allocated resources to pay out remaining obligations (either in Bitcoin or Credits).

In the end, everything is a WIN-WIN.

Keep the questions coming my friend b/c the more people understand, the better.

Digi-Sol wrote: Mon Sep 01, 2025 6:16 am

• How is it determined if you receive back 5% in BTC or 20% in credits? How do we know which one?

I must've overlooked this question for my previous reply, but no one will know which payout will occur until it occurs. The system handles the payout automatically. Let me explain a bit.

BTC received from Delay Credit purchases do not go to the vault as it does for other transactions. It goes into a separate area that we'll call the "Delayed Credits Vault" or the "DCV" for short. Assets in the DCV are swapped back and forth between the DCV and exchanges; and the system monitors all of the movement and valuation of the assets.

At the current level, the system requires a sufficient amount of BTC in the DCV to cover the next 5 days of payouts (where the designated amount is 120% of the aggregated purchase amount for those days). And the system regularly notifies me of how much BTC should be swapped between various platforms. On each redemption day, the system first checks to see if there is sufficient Bitcoin in the DCV to cover the payout and if there is, the payout is in Bitcoin. The wallet holder receives their payout and the owner of the white label receives 5% of the profit earned from the purchase. For example, if someone buys $100 in Delayed Credits and received $105 back, they'll have a profit of $5. The white label owner receives 5% of that $5, or 0.25 cents. Sufficient Bitcoin must be held in the DCV to cover both of these obligations at the time of redemption. Otherwise, the payout is in Credits.

If the TOTAL assets for Delayed Credits are at least 20% above the TOTAL Delayed Credits obligations, another phase is distribution kicks in where profits begin to be fed into the vault through a vault-feeding process. And this is the added source of revenue that I've mentioned.

Digi-Sol wrote: Mon Sep 01, 2025 6:16 am

• I see a new entry in the Bitcoin Ledger "Bitcoin Paid for Delayed Credits", will we be able to track what we have received BTC or Credits and how much we've gained etc?

The "Bitcoin Paid for Delayed Credits" section provides details about your purchase and what to expect. Also when adding up the BTC Paid for all purchases, that amount will match the aggregate amount displayed for that section. The details of this section list the amounts you will receive in either Credits or Bitcoin, but does not identify which payout method will be used. This is where the other two new sections "Bitcoin from Delayed Credits" and "Credits from Delayed Credits" come in.

If a payout is returned in Bitcoin, you'll be able to view the details of it from "Bitcoin from Delayed Credits". If the payout is in Credits, you'll see the details under "Credits from Delayed Credits". And yes, the details will show how much you've gained.

Always striving to keep everything transparent and traceable.

All I have to say to that is.....AMAZING AND WELL DONE!!!!

Quick question - With having Auto Delayed Credits and buying in the Marketplace, does this equate to double the Boost Points you receive OR do you get more Boost Points if you manually do each operation?

I like stacking Boost Points

Thanks Mista Phi for the continued development.

In my opinion, I prefer the 30 days Marketplace buy limit. It was a beautiful eco-system synergy ensuring that you are actively buying in the marketplace if you wanted to also take advantage of this new feature. AND just like in your 1st demo, you had to go into the marketplace to purchase another amount in order to get your Delayed Credits buy of 0.0001 BTC. This forces/encourages Marketplace activity continuously. Removing the 30 days feature overtime, it will be less of an encouragement to be active in the marketplace because your buying is accumulative and it won't be that much of a restriction to purchase Delayed Credits.

Just my two cents.

Digi-Sol wrote: Tue Sep 02, 2025 5:55 am Thanks Mista Phi for the continued development.

In my opinion, I prefer the 30 days Marketplace buy limit. It was a beautiful eco-system synergy ensuring that you are actively buying in the marketplace if you wanted to also take advantage of this new feature. AND just like in your 1st demo, you had to go into the marketplace to purchase another amount in order to get your Delayed Credits buy of 0.0001 BTC. This forces/encourages Marketplace activity continuously. Removing the 30 days feature overtime, it will be less of an encouragement to be active in the marketplace because your buying is accumulative and it won't be that much of a restriction to purchase Delayed Credits.

Just my two cents.

Excellent assessment Digi-Sol and duly noted... What you just described is exactly what I was originally thinking, but I'm glad that I had enough foresight to design the system in a way that allows me to easily adjust the number of days. In this case, I changed it to 3650 days (10 years). But why the change? After using the feature as an end user, it occurred to me that 30 days may be too restrictive. So as the dev and an active user, I'll elaborate on why.

1) From my own personal perspective as a long-term user of the platform, it makes sense that I am rewarded for the contributions that I've historically made to the protocol by purchasing Credits from the marketplace. And considering that I have over 2.5K dollars worth of Credits that I have to wait on to convert (opting not to sell in the marketplace), I don't think it's fair that I have to buy even more credits to enjoy the benefits of the Delayed Credits feature.

2) If I stop buying Credits in the marketplace and continue buying Delayed Credits, I'll eventually use up my purchase allocation and be required to purchase more credits from the marketplace again. So the current requirement will still drive engagement to the marketplace, especially as users realize the earning capabilities of the Delayed Credits feature. Furthermore, too much demand in the marketplace could potentially dry up all of the offers for sale (as you thoughtfully inquired about earlier).

3) MOST IMPORTANT: Remember that the Delayed Credits feature also opens the door to external revenue for the ecosystem and as such, we don't want to overly restrict access to users that are interested in participating.

So I'm thinking that the removal of the 30-day window will prove to be a more opportune play for everyone. There are so many features & strategies at this point that many may not even realize the benefits of such feature for a while, so I don't think we should make things difficult for those of us that that do.

Really appreciate your feedback and love how we're able to put our heads together and discuss different perspectives. In this particular case, the info you've mentioned already crossed my mind for the original design. But after considering the info above, I'd love to hear if the arguments were sufficient to change your perspective. If not, let's share more perspectives and if we don't agree, we can put it up for a vote. In the end, information gathering always helps with making smarter decisions, so my brain is always open.

Appreciate u bro, now check out this video :)

Digi-Sol wrote: Tue Sep 02, 2025 5:39 am Quick question - With having Auto Delayed Credits and buying in the Marketplace, does this equate to double the Boost Points you receive OR do you get more Boost Points if you manually do each operation?

I like stacking Boost Points

LOL... The boost points only come with the purchase of credits in the marketplace. No double stackin' for buying Delayed Credits. LOL

Good question though!