Builder & property developer. Long-term investor thinking in assets, cycles, and durable businesses. Capital discipline over hype. Loyalty shows below
Joined June 2025
- Tweets618
- Following163
- Followers191
- Likes8.5K
SmarterBuilder retweeted
Government is just a REALLY POWERFUL corporation that is incredibly inefficient at everything it does.
The more they try and fix affordability the more the problem will get worse.
It's just math.
SmarterBuilder retweeted
Reminder for tomorrow’s live stream.
Final Reminder: Smarter Web Livestream tomorrow, Thursday 5 November, 14:00 GMT / 09:00 ET.
@millercole is joined by Smarter Web CEO, @asjwebley.
They'll be covering the latest developments at Smarter Web, updates on $MORE preferred shares, and the broader Bitcoin treasury and Digital Credit landscape.
Watch live here on X or YouTube.
LSE: #SWC #MORE | OTCQB: $TSWCF | FRA: $3M8
SmarterBuilder retweeted
The market has quickly remembered that the US has over $40 Trillion of debt.
Here's your reminder that the last time the U.S. 10-year was at 5.044% was July 2007.
In July 2007, the US had around $9 trillion of debt.
Got Bitcoin?
SmarterBuilder retweeted
SWC Community:
I thought I was done talking about ISA’s for this week, but here’s a little #MORE context.
I mentioned below how the 2023/24 HMRC stats underline the story that we in the UK seem to really lean into our Cash ISAs. And why that might be impactful for #SWC’s upcoming new MORE Preference share…
Now, on Weds this week, HMRC released the latest numbers for the tax year 2024/25. And it turns out that UK investors like the cash ISA route even MORE than previously.
Back in 2023/24, UK investors put around £69.6bn of new money into Cash ISAs.
Then in 2024/25, that jumped up by a further 37.5% to the level of £95.7bn.
Against a weekly frame of reference, that’s the equivalent of £1.84 billion of fresh money going into Cash ISAs every single week.
Or to put it another way, an average of more than £262 million going into Cash ISA’s each and every day.
The explanation given by HMRC for the uptick in 2024/25 Cash ISA subscriptions was not rocket science- the simple driver being the then-high Interest rates of the time.
(The official Band of England Bank Rate spent much of that period was around 5%, meaning savers could in theory get rates of returns typically considered as attractive on cash.)
So £95.7bn piled into Cash ISAs in a year, giving us some useful recent evidence of what happens when you offer UK savers a predictable / stable return with a half-decent yield….
We tend to pile in.
If only there was a new UK-main market listed investment on the horizon that appears to hit those same features - with the further benefit of being within a Stocks & Shares ISA wrapper …. and, with a yield designed to be rather MORE interesting than cash.
Timing is everything, as they say. 👀
gov.uk/government/statistics…
SWC Community:
There will be plenty of welcome attention and interest in #SWC now (deservedly so), with the announced intent to launch the MORE Preference share.
With that likely comes a raft of questions & opinions from all angles - sceptical & supportive - on whether a market exists in the UK for such a weekly dividend-paying Pref share.
How well might something like this fit in the UK market?
Well, here’s some context, perhaps…
Last year, a House of Commons Treasury Committee looked specifically at the UK’s love affair with Cash ISAs.
Some of the stats are, to me at least, pretty staggering.
They reported that in 2023/24, around 66% of all new ISA subscriptions went into Cash ISAs.
14.4 million people held a Cash ISA but NO other type of ISA - completely shunning the possibilities (and risks) of Stocks & Shares ISAs.
And UK savers had around £360Billion sitting in Cash ISAs.
Even more interestingly, between 2021/22 & 2023/24, subscriptions into Cash ISAs increased by 125%.
Stocks & Shares ISA subscriptions actually FELL by 9%.
So us UK plebs REALLY do like our cash savings….
That’s partly what the Treasury Committee was looking at: how to persuade more Brits to invest, rather than simply leaving money sitting in cash.
And specifically, what might happen if the annual Cash ISA allowance was reduced by the government?
The committee findings weren’t exactly encouraging.
One survey suggested only 19% of Cash ISA savers would invest more in the stock market.
Another found just 9% would move their money into a Stocks & Shares ISA.
And around half basically said “Meh. I’ll just put my money into another cash savings account instead.” (Presumably taking the tax implications on the nose)
The inference perhaps tells its own story.
For millions of UK savers, the attraction of Cash ISAs isn’t necessarily the ISA.
It’s CASH.
The perceived stability, the predictable return.
The accessibility, simplicity & risk avoidance.
The comfort of knowing roughly what your money will be worth next week & next year (even while turning a blind eye to inflation & monetary debasement).
The Treasury Committee ended up recommending AGAINST cutting the £20k Cash ISA allowance, arguing it probably wouldn’t result in a significant move into stocks & shares anyway.
But the Government has decided to do it regardless.
So from April 27, under-65s will only be able to put £12k per year into a Cash ISA, rather than £20k.
(The overall ISA allowance remains £20k)
Government policy is deliberately trying to nudge some of this enormous wedge of UK cash towards investments instead.
Which brings us back to SWC & the incoming MORE Pref.
What happens if an investment arrives in the UK giving even SOME of those reluctant cash investors SOME of the characteristics they clearly value?
Something designed around:
A price that remains close to par.
A regular & predictable weekly dividend.
An annualised yield comfortably, comfortably above typical sub-5% UK cash savings rates.
All sat inside the tax-free wrapper of a Stocks & Shares ISA.
And potentially enough liquidity that investors might sell at, or around par, if they need their money back.
To be absolutely clear, a Pref is NOT cash, and I’m sure the MORE prospectus will be abundantly clear on what it is, what it isn’t, & the risks it carries.
Its value isn’t guaranteed.
It does carry issuer and market liquidity risk that a protected cash ISA deposit simply doesn’t.
But that’s not really my point.
My point is there appears to be a potentially enormous gap between two things:
What the UK Gov wants savers to do
…vs what millions of UK savers have repeatedly demonstrated they actually WANT from their money.
Stability. Income. Liquidity. Tax efficiency.
So if a new UK-listed pref equity appears on the scene, deliberately engineered to offer some of the very characteristics that cash savers clearly value…
Well, I think a few people might just like the appeal of having a bit MORE.👀
SmarterBuilder retweeted
500 DAYS Completed
April 25th 2025 Aquis IPO
Achievements
2747 Bitcoin acquired ✅🧡
£162 Million Value ✅🧡
Successfully UP listed to the London Stock Exchange ✅🧡
All Share & Small Cap Index inclusion ✅🧡
Square Bird Acquisition ✅🧡
Coinbase Facility only Debt✅ 🧡
Firmly Established as the UK’s Largest FTSE Company with a Bitcoin Treasury ✅🧡
Product Innovation approval by Shareholders (99%)✅🧡
500 Days ✅🧡
1000 Days Targets ?
@smarterwebuk
SmarterBuilder retweeted
MONDAY, JULY 6TH 📺 ON THE BFC STREAM ☀️
NOW:
→ 9:00AM ET: @DylanLeClair gives an eye-opening keynote on the Bitcoin thesis in 2026
→ 9:15AM ET: @MikeBelshe joins Dylan for a fireside chat from BFC’s NYC Symposium
→ 10:00AM ET: @saylor answers his critics w/ @natbrunell
THEN:
→ 12:30PM ET: @AdamBLiv brings deep analysis on $MSTR’s latest performance, and more
Watch it here: 👇
teapaw.org/i/broadcasts/1yKAPPekd…
SmarterBuilder retweeted
My point EXACTLY
So funny how people conveniently ignore 2020
No memory, no attention span, no skill
SmarterBuilder retweeted
I wrote this before Saylors new changes he announced yesterday.
So here are my thoughts on the $SWC story so far, thoughts moving forward and a bit about my historic investments, rather than a post saying x amount of Bitcoin and x Bitcoin price. its going to be more thoughts in my head about different catalysts which get us to the FTSE 100 and or £10 share price.
May and June last year were the craziest times ive been involved in, in investing. I had been looking for a company to replicate the MSTR playbook in the UK and after seeing Andrew on Tim Kotzmans podcast I bought 2,500,000 the next day at market open for 5p on 1st May 2025.
On 1st May the Bitcoin price was roughly $95,000 and when $SWC hit an all time high on 20th June while Bitcoin was at $105,000. Thats a mere 10.52% increase whilst my initial $SWC investment in the same time had gone up 12,500% or 105 x.
Bitcoin then went onto hit an all time high on 6th October of $126,314 and the $SWC share price was around 100p. So in this time period Bitcoin went up 20.30% and $SWC was down 84.13%.
Back in 2022 i did a lot of research and predicted the low point of Bitcoin cycle which I DCA'd into every week for the last qtr of 2022 with an average price of around $17,500 I started to sell all my Bitcoin on 23rd January 2023 and DCA'd into $MSTR. Over the course of the following 2 months. My first purchase into $MSTR turned out to be the the lowest daily share price in 2022 and I paid $46 a share.
From my calculation in the summer of 2022 I had the top of the Bitcoin cycle for 2025 at $250,000 and the cycle bottom for 2026 at $70,000. My $250,000 top was pretty much double the actual peak but so far my $70,000 bottom isn't to bad as we have hit $58,000 so far in 2026. Along the way talk of a super cycle gathered momentum and sentiment shifted to AI stocks.
At the start of 2023 I decided to sell all my portfolio and focus on Bitcoin and Tesla only, then I could be the master of 2 sectors/companies, by April 2024 I was all in on treasury companies. then subsequently all in on $SWC
For the record i have invested and traded Tesla stock on quarterly delivery car numbers until April 2024 and made a killing. My worst trades being selling Tesla stock at the bottom of covid which would be a 13 x if i had of kept it and selling my Nvidia stock on 3rd Jan 2023 which would also be a 13 x. Also as many times someone explains options to me i still dont understand them and wont use them.
So what have I learnt from this, The first thing is I only invest in companies where I trust the CEO who is also the founder, which leaves me with Elon Musk, Jensen Huang, Micheal Saylor and Andrew Webley.
Regardless of how well the company is doing and positive forward projections etc everything is built around sentiment in todays markets, be it the sector or the actual company.
My best advice is always don't listen to anyone telling you what to do, do what you feel is right, listen and consume content but make your own decision and dont dither either. you have come to the conclusion and back yourself 100%.
I truly believe Bitcoin will go to $1m a coin then $10m a coin at some point in the future.
$SWC at 1 mNAV with no future purchases of Bitcoin
$1m per Bitcoin £5.86
$10m per Bitcoin £58.60
Then lets say sentiment is good and mNav is at 3 x mNAV which is entirely possible as sentiment will return despite the calls for never seeing an increase in MNAV again.
$1m per Bitcoin £17.58
$10m per Bitcoin £175.80
SWC increasing Sats per share from currently 684 to 3 x that, then that would be 2,052 Sats per share at 1 mNAV
$1m per Bitcoin £17.58
Then with 3 x mNAV that would be £52.74
Then lets say 3 x the sats per share to get to 6,156 when Bitcoin is at $10m a coin would be a staggering….
$10m per Bitcoin £517.40 per share and thats at 1 mNAV
Now all the figures above are treasury model 1.0. Sentiment will return as Bitcoin runs up and there will be hot times and cooled off times.
Treasury model 2.0 is running a preferred stock alongside the common equity.
$MSTR and $ASST have called their offerings "Digital Capital" which lots of people are unhappy with as it makes it sound safer and more like fixed income than it actually is. With the recent draw downs in both $STRC and $SATA lots of investors thought it was going to range close to $100. $STRC is currently at $74.57 so someone who invested £1,00,000 now has a stock worth £745,700 and remember preferred investors are low risk investors who don't like volatility. The share holder will still recieve 11.5% of £1m a year £115,000 which at the moment the effective yield is 15.42% on £745,700. this im sure will get back to $100 but its not what the risk adverse investor is confortable with.
if you invested £745,700 into $STRC at the moment you would get 11.50% of £1,000,000 (lets call it 12%) or 1% per month whilst its trading back upto $100 and 33% apreciation on your initial investment.
I have thought a lot about what yield $SWC will offer on its preferred stock but for now its unknown, 12% per year sounds good to me as its a simple 1% per month into perpetuity, simple maths when explaining to someone is £1m investment is £10,000 a month for life. What we have seen is investors are happy with 2 years dividend payments in cash in the bank.
Amplification is the key as you dont want to get over leveraged if there is a big pullback in the Bitcoin price. The company runs the common stock ATM to bolster how much amplification you can run but you also can hold cash in reserves rather than buy bitcoin if you are concerned that Bitcoin could pull back and you don’t become above 100% leveraged
When Bitcoin is on a run up your amplification reduces and you can then deploy the cash you have saved. you can even sell Bitcoin to pay the div payments whilst at the same time buy more Bitcoin than you have sold so investors see you are constantly adding more sats per share to the common stock. also you can raise money under 1 mNAV if you need cash as the model now is judge us over a quarter or year etc.
Back to the original reason for this post how do we get to the FTSE 100 and or £10 share price.
With the introduction of a preferred stock there are so many variables.
If we think we are in the 4 year cycle and Bitcoin tops in the 2nd half of 2029 my current base case is $250,000 to $500,000 so lets use $375,000 as the cycle top.
Currently the 100th position in the FTSE 100 is Entain plc with a market cap of £3.7B at 1 mNAV $SWC would have to have 13,062 Bitcoin at $375,000 a Bitcoin
Until the preferred stock gets issued I don’t want to give any predictions of what $SWC could get to in a time period or how much Bitcoin is possible to accumulate
Final conclusion
$SWC will be in the FTSE 100 and have a £10 share price before the end of 2029 (A lot sooner in fact) and during this time you will have waves of excitement in sentiment where mNAV will expand dramatically.
I retired in 2018 and vowed never to work again as it consumes my life but The Smarter Web Company along with Andrews passion reignited that fire in me to go again and as you may of noticed I work full time and more on $SWC. When we get to the FTSE 100 I will retire for s second time and no longer be spending 24/7 on $SWC with posting, what’s app groups etc. I will however not be selling my shares.
LFG Andy x
SmarterBuilder retweeted
Sunday shoutout 📣
Another week of building from the SWC team & Squarebird.
Building websites.
Building customer relationships.
Building recurring revenues.
Building a Bitcoin treasury.
While others talk, they keep on executing.
One website at a time.
One customer at a time.
One Bitcoin at a time.
Know a business that needs help with their website or digital presence?
Point them this way, to see the great work The Smarter Web Company and Squarebird do 👇
#SWC #TSWCF #3M8 #WebDesign #DigitalMarketing #Bitcoin
smarterwebcompany.co.uk/web-…
Sunday shoutout 📣
Alongside hundreds of websites, The Smarter Web Company & Squarebird are quietly building something much bigger too.
Helping businesses establish their digital presence.
Growing a Bitcoin treasury.
And this upcoming week, an #SWC General Meeting vote to lay foundations that could unlock new strategic options for the future.
The websites being built today generate the cash flows.
The treasury compounds the balance sheet.
And the team keeps executing with a road to Prefs for further amplified Bitcoin.
Know a business that needs a new website, stronger online visibility, or help getting started online?
Send them this way 👇
#SWC #TSWCF #3M8 #WebDesign #DigitalMarketing #Bitcoin
smarterwebcompany.co.uk/web-…
SmarterBuilder retweeted
The One Big Thing you should know in Bitcoin today:
A White House official hinted a big announcement about the Strategic Bitcoin Reserve.
Here's what you should know...
SmarterBuilder retweeted
13 of the top 15 institutional holders of $MSTR have been adding to their positions.
These are not retail speculators.
They are some the largest capital allocators in the world and they are buying.
When the tide turns for Bitcoin it's going to be glorious.
13 of the top 15 institutional shareholders of $MSTR added to their positions in Q1 2026. Combined holdings increased 27%.
SmarterBuilder retweeted
Since the SmarterDash website update, we’ve been getting loads of great feedback. Keep it coming 🙌
We’re also proud to be one of the main sponsors of the Bitcoin Treasury Unconference and can’t wait to see everyone in just 9 days 🚀
Still some tickets left: smarterwebcompany.co.uk/bitc…