Delayed Credits Are Here To Stay - 60% APY on BTC
Posted: Fri Dec 12, 2025 9:17 am
The wallet's ability to support 60% APY on your Bitcoin is here to stay
What it do guys?? As you guys know, I'm always searching for ways to make the wallets more efficient, more profitable, and more sustainable. And now, I'm pleased to report that the perfect storm for sustainable, lucrative, and long-term wealth building in Bitcoin is here to stay.
Many of you have been enjoying 5% returns on your Bitcoin every 30 days through the Delayed Credits feature, which has been running flawlessly over the past 100+ days. This has proven to be a great success, but has been at the expense of my own time and effort with trading. And while I have yet to take a break from trading, some of you may recall me mentioning that I may periodically disable the Delayed Credits feature should I feel the need for a break. But with the latest update that was just installed, the Delayed Credits feature is now able to perform effectively with or without additional profits from trading! This is now being accomplished by strategically leveraging the circular economy that we've all developed through the use of our Bitcoin wallets.
Shall I break it down for ya? Here's the scoop.
More wallet holders are learning to Respect the Credz
That's right... Fewer wallets holders are willing to sell their Credits at discounts within the marketplace. This is a clear indication that more users value their Credit holdings and are willing to patiently wait for most of their Credits to convert into Bitcoin. Clearly, we have a smart group of users that have learned to invest in Bitcoin with long-term strategies in place. As a result, we are all seeing lower discounts in the marketplace to acquire discounted Credits but fear not, because this was per design... Let me explain:
The ultimate goal of the wallets has always been to establish an efficient and cost-effective way to transaction in Bitcoin and maintain a sustainable solution for all users to increase their Bitcoin holdings. So as many of you know, the wallets were designed to adjust and maintain performance levels for long-term sustainability based on system activity and revenue from transaction fees. And where Credits were initially offered at substantial discounts in the early days of the wallets (up to 150%), we've all understood from the jump that such returns are not sustainable. So by design, the system progressively decreased the amount of credits that were issued from Deposit Fees and since the release of the Stimulus Program in May 2025, the standard issuance of Credits has been limited to 5% or 6%, depending on wallet activity.
Then with the release on the Delayed Credits feature, some users started selling their Credits in the marketplace to purchase more Delayed Credits and enjoy that juicy 5% return in Bitcoin every 30 days. But while some wallet holders were selling Credits, many more began buying up Credits, understanding that marketplace purchases are needed in order to buy Delayed Credits. And this market sentiment continues to this day and those that are willing to sell credits are now offering them at lower discounts. Yet those desiring to purchase Delayed Credits are still motivated to buy Credits from the marketplace, even at lower discounts. Again, this is by design guys and things are going just as planned.
Now, with current marketplace discounts of around 7%, the perfect storm has formed to completely automate the Delayed Credits feature and keep it running for long term Bitcoin returns every 30 days (even without external revenue from trading).
Delayed Credits Driving Demand for Marketplace Credits
Credits are becoming more desirable, particularly when they can be acquired at discounts that exceed existing offers in the marketplace.
Hence the new update to the Delayed Credits feature. Up until today, the Bitcoin payouts were dependent on external revenue that I was able to generate through trading and thus far, that revenue continues to exceed the 5% profit margin required to maintain Bitcoin payouts. And to date, all Delayed Credit purchases (100% of them) have resulted in 5% payouts in Bitcoin. But what if something happened to Mista Phi and I was no longer here to trade? Or what if I want to take an extended break from trading? Well this is now covered.
With the latest update, the system will strategically begin issuing Credits (currently at a 20% return) when the external revenue generated from trading falls below a 5.25% profit margin. So what does this mean? Whenever this happens, the wallet that is due a payout will receive their payout in Credits (purchase amount + an additional 20%), which rewards the wallet holder with a higher amount of credits and decreases the obligation for Bitcoin payouts, supplementing the revenue that would've otherwise been generated through external sources. This immediately increases the profit margin above the 5.25% threshold so later payouts continue to receive payouts in Bitcoin.
So you may now wonder, "what are the chances of receiving a payout in Bitcoin vs Credits?". With me trading, the chances of receiving a Bitcoin payout are about 100%. With this update, you can remove me from the equation and still stand a 90+% chance of receiving a 30-day payout in Bitcoin. So about 5% may receive payouts in Credits rather than Bitcoin, but this too presents a winning opportunity because (a) they wil receive Credits at a much higher discount and (b) they will have the option to sell their Credits in the marketplace if they want a faster return in Bitcoin; understanding that the Delayed Credits feature (as well as other features) forces demand for marketplace purchases, even when lower discounts are offered.
In the end and per design, no one loses and everyone wins. PLUS, this frees me up from having to trade on a regular basis and it further solidifies the foundation of having a profitable and sustainable means of earning Bitcoin far into the future. We're talkin' 60% APY on Bitcoin guys. Rates that you will not be able to find anywhere else.
100% Genius - These wallets have evolved to be a complete work of art and I give all thanks and praise to the Lord our God, without whom none of this would not exist.
Many of you have already been blessed by these wallets and all I ask from you in return is absolutely nothing. Just enjoy the continuous Bitcoin gains for yourself and don't even worry about persuading others to join. Those who are supposed to use the wallets will eventually find their way here. It can be a headache trying to convince people that don't care to learn, so learn from my experience and just don't worry about it. LOL
Take care peeps and be blessed.
What it do guys?? As you guys know, I'm always searching for ways to make the wallets more efficient, more profitable, and more sustainable. And now, I'm pleased to report that the perfect storm for sustainable, lucrative, and long-term wealth building in Bitcoin is here to stay.
Many of you have been enjoying 5% returns on your Bitcoin every 30 days through the Delayed Credits feature, which has been running flawlessly over the past 100+ days. This has proven to be a great success, but has been at the expense of my own time and effort with trading. And while I have yet to take a break from trading, some of you may recall me mentioning that I may periodically disable the Delayed Credits feature should I feel the need for a break. But with the latest update that was just installed, the Delayed Credits feature is now able to perform effectively with or without additional profits from trading! This is now being accomplished by strategically leveraging the circular economy that we've all developed through the use of our Bitcoin wallets.
Shall I break it down for ya? Here's the scoop.
More wallet holders are learning to Respect the Credz
That's right... Fewer wallets holders are willing to sell their Credits at discounts within the marketplace. This is a clear indication that more users value their Credit holdings and are willing to patiently wait for most of their Credits to convert into Bitcoin. Clearly, we have a smart group of users that have learned to invest in Bitcoin with long-term strategies in place. As a result, we are all seeing lower discounts in the marketplace to acquire discounted Credits but fear not, because this was per design... Let me explain:
The ultimate goal of the wallets has always been to establish an efficient and cost-effective way to transaction in Bitcoin and maintain a sustainable solution for all users to increase their Bitcoin holdings. So as many of you know, the wallets were designed to adjust and maintain performance levels for long-term sustainability based on system activity and revenue from transaction fees. And where Credits were initially offered at substantial discounts in the early days of the wallets (up to 150%), we've all understood from the jump that such returns are not sustainable. So by design, the system progressively decreased the amount of credits that were issued from Deposit Fees and since the release of the Stimulus Program in May 2025, the standard issuance of Credits has been limited to 5% or 6%, depending on wallet activity.
Then with the release on the Delayed Credits feature, some users started selling their Credits in the marketplace to purchase more Delayed Credits and enjoy that juicy 5% return in Bitcoin every 30 days. But while some wallet holders were selling Credits, many more began buying up Credits, understanding that marketplace purchases are needed in order to buy Delayed Credits. And this market sentiment continues to this day and those that are willing to sell credits are now offering them at lower discounts. Yet those desiring to purchase Delayed Credits are still motivated to buy Credits from the marketplace, even at lower discounts. Again, this is by design guys and things are going just as planned.
Now, with current marketplace discounts of around 7%, the perfect storm has formed to completely automate the Delayed Credits feature and keep it running for long term Bitcoin returns every 30 days (even without external revenue from trading).
Delayed Credits Driving Demand for Marketplace Credits
Credits are becoming more desirable, particularly when they can be acquired at discounts that exceed existing offers in the marketplace.
Hence the new update to the Delayed Credits feature. Up until today, the Bitcoin payouts were dependent on external revenue that I was able to generate through trading and thus far, that revenue continues to exceed the 5% profit margin required to maintain Bitcoin payouts. And to date, all Delayed Credit purchases (100% of them) have resulted in 5% payouts in Bitcoin. But what if something happened to Mista Phi and I was no longer here to trade? Or what if I want to take an extended break from trading? Well this is now covered.
With the latest update, the system will strategically begin issuing Credits (currently at a 20% return) when the external revenue generated from trading falls below a 5.25% profit margin. So what does this mean? Whenever this happens, the wallet that is due a payout will receive their payout in Credits (purchase amount + an additional 20%), which rewards the wallet holder with a higher amount of credits and decreases the obligation for Bitcoin payouts, supplementing the revenue that would've otherwise been generated through external sources. This immediately increases the profit margin above the 5.25% threshold so later payouts continue to receive payouts in Bitcoin.
So you may now wonder, "what are the chances of receiving a payout in Bitcoin vs Credits?". With me trading, the chances of receiving a Bitcoin payout are about 100%. With this update, you can remove me from the equation and still stand a 90+% chance of receiving a 30-day payout in Bitcoin. So about 5% may receive payouts in Credits rather than Bitcoin, but this too presents a winning opportunity because (a) they wil receive Credits at a much higher discount and (b) they will have the option to sell their Credits in the marketplace if they want a faster return in Bitcoin; understanding that the Delayed Credits feature (as well as other features) forces demand for marketplace purchases, even when lower discounts are offered.
In the end and per design, no one loses and everyone wins. PLUS, this frees me up from having to trade on a regular basis and it further solidifies the foundation of having a profitable and sustainable means of earning Bitcoin far into the future. We're talkin' 60% APY on Bitcoin guys. Rates that you will not be able to find anywhere else.
100% Genius - These wallets have evolved to be a complete work of art and I give all thanks and praise to the Lord our God, without whom none of this would not exist.
Many of you have already been blessed by these wallets and all I ask from you in return is absolutely nothing. Just enjoy the continuous Bitcoin gains for yourself and don't even worry about persuading others to join. Those who are supposed to use the wallets will eventually find their way here. It can be a headache trying to convince people that don't care to learn, so learn from my experience and just don't worry about it. LOL
Take care peeps and be blessed.
