Jack Mallers isn’t just betting on Bitcoin. He’s building the rails, the institutions, and the philosophy to take it mainstream.

From Strike to Twenty-One Capital, and a new lending system unveiled at Bitcoin 2025, Mallers is spearheading a full-stack Bitcoin revolution. Each project is distinct, but they all share one thing: a laser focus on making Bitcoin accessible, usable, and unshakably foundational.

Let’s break down what Mallers is cooking—and why it’s a big deal.

Strike: Real Bitcoin Payments and Instant Lending

Strike is one of the most exciting user-facing tools in Bitcoin today. Built on the Lightning Network, it enables global remittances and peer-to-peer payments at lightning speed and near-zero fees. It’s a Bitcoin-native version of Venmo, Cash App, and PayPal rolled into one—and it works anywhere Lightning does.

At Bitcoin 2025, Mallers also announced a new feature: Bitcoin-backed loans. Users can now borrow against their BTC at competitive rates (reportedly between 9–13%), without having to sell their sats. It’s an important tool for maintaining long-term exposure to Bitcoin while unlocking liquidity.

But Strike is more than just a fintech app. Mallers insists that every product decision is filtered through a first principle: Is this good for Bitcoin? That mindset drives the product roadmap, user experience, and long-term vision.

Twenty-One Capital: The Institutional Bitcoin Treasury

While Strike builds tools for individuals, Mallers is also leading Bitcoin’s charge into the boardroom. As CEO of Twenty-One Capital, he’s now heading a publicly-traded company purpose-built to hold Bitcoin as a strategic treasury reserve.

Co-founded with Tether, SoftBank, and Cantor Fitzgerald, Twenty-One Capital went public via a SPAC merger and launched with over 42,000 BTC (~$3.6 billion) in reserves. Its goal is simple but powerful: give institutional investors a capital-efficient way to gain exposure to Bitcoin—not through ETFs or crypto hedge funds, but through a treasury-first public company.

This isn’t a pivot away from Strike. It’s a vertical expansion of the same mission: to bring Bitcoin into every corner of the financial system, from individual wallets to public market balance sheets.

Bitcoin as a Moral Imperative

Perhaps the most underrated aspect of Mallers’ influence is his articulation of Bitcoin as a moral technology.

He doesn’t just see Bitcoin as better money—he sees it as ethically necessary. A tool for resisting inflation, censorship, financial surveillance, and unjust monetary policy. That worldview is baked into every product and partnership he launches.

Mallers often frames Bitcoin in opposition to fiat money—not as an investment thesis, but as a value system. That’s what gives his message such resonance. It’s not just about tech. It’s about freedom.

Why It’s So Exciting

1. End-to-end infrastructure: Strike gives Bitcoin utility, Twenty-One gives it credibility, and the ethos gives it longevity.

2. Scale: Twenty-One launched with more BTC than most nation-states. That’s not a startup move. That’s a monetary statement.

3. Simplicity and sovereignty: From remittances to loans, Mallers is making Bitcoin feel as simple as dollars—without compromising on principles.

4. Leadership without compromise: Mallers isn't chasing hype. He’s helping Bitcoin mature, one product at a time.

Final Thoughts

In an industry full of noise, Jack Mallers is building signal.

Strike is for users. Twenty-One is for institutions. But both are designed to serve the same goal: a world where Bitcoin is the monetary standard.

And thanks to his leadership, that world feels closer than ever.

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References (APA Style)

Blockworks. (2025). Jack Mallers' Strike expands remittances. Retrieved from https://blockworks.co/news/jack-mallers-strike-bitcoin-el-salvador

Bitcoin Magazine. (2025). Jack Mallers unveils new Bitcoin-backed loan system at Strike. Retrieved from https://bitcoinmagazine.com/news/jack-mallers-announced-a-new-system-of-bitcoin-backed-loans-at-strike

CoinDesk. (2025). Jack Mallers on founding Twenty-One Capital. Retrieved from https://www.coindesk.com/business/2025/07/08/jack-mallers-how-we-started-our-bitcoin-treasury-company

CoinTelegraph. (2025). Strike CEO reaffirms loyalty to Bitcoin as he leads new treasury company. Retrieved from https://cointelegraph.com/news/strike-ceo-jack-mallers-bitcoin-stance-commitment-twenty-one-capital

Cryptopolitan. (2025). Jack Mallers vows commitment to Strike after Twenty-One Capital role. Retrieved from https://www.cryptopolitan.com/jack-mallers-vows-commitment-to-strike

Coinomist. (2025). Jack Mallers to head new Bitcoin powerhouse Twenty-One Capital. Retrieved from https://coinomist.com/news/jack-mallers-to-head-new-21capital-company