Ever looked at a Zillow listing and thought, “That’s two full Bitcoin in a bad school district”? Yeah, same here. So when CZ, Saylor, and billionaire-heir-turned-Bitcoiner William Pulte all started riffing on the idea that owning just 0.1 BTC could outpace the value of an average U.S. home, our group chat on the trading desk lit up like the Bookmap heat-map during a liquidation cascade.
Here's What Actually Happened
Late Tuesday, Changpeng Zhao squeezed in a tweet between court filings:
“Someday 0.1 BTC will buy you a house.”Five minutes later, Michael Saylor—never one to miss a laser-eyes meme—retweeted with his own flavor of maximalist poeticism. A few hours after that, William Pulte (the guy who basically gives away homes on Twitter) chimed in:
“If you can’t afford a house, stack 0.1 BTC. Future you will thank you.”
That threesome of endorsements pushed the hashtag #OneTenthDream to trending status. On-chain, we noticed a 12% spike in sub-0.25 BTC wallet accumulation in under 24 hours. Glassnode showed 46,300 new addresses holding 0.1-0.25 BTC—biggest daily jump since March’s banking wobble. Market depth on Binance? Thin on the ask side up to $39.5k, which tells me the shorts either covered or went skiing.
Why the Number Isn’t Random
Let’s pull out the napkin math we scribbled during the lunch rush:
- Global millionaires, per Credit Suisse: 59 million
- Hard-capped Bitcoin supply: 21 million
- Realistically float-adjusted supply (HODLed, lost coins stripped out): ~14 million
- If every millionaire wants one whole coin, good luck. They’ll settle for scraps.
Divide that float by millionaire count and you get ~0.24 BTC per millionaire. Slice that in half and you’re in 0.1-0.12 BTC territory. Saylor’s been flogging that ratio for years, and frankly, the logic sings: scarce asset + growing fiat pile = convex upside.
Tangent: Gen-Z Would Rather Own JPEGs Than Drywall
Quick sidebar. My nephew—22, degree in sociology, zero intention of buying property—tells me, “Why would I chain myself to a 30-year mortgage when DeFi vaults pay me 6%?” Love the bravado, question the risk model, but his vibes match the data: homeownership for U.S. adults under 35 is at a 30-year low (37.8%). Student debt, remote work, and HGTV expectations have folks boxed out of the traditional dream. Enter Bitcoin’s 0.1 starter pack—portable, divisible, zero HOA fees. From where we sit, the narrative sells itself.
What the Charts Aren’t Telling You
Spot desks like ours watch cumulative volume delta (CVD) the way NFL scouts watch 40-yard dash times. Since the Zhao-Saylor-Pulte tag-team tweet, coin-margin perpetuals have posted a steady +500 BTC net long uptick, mostly via MMS (multi-market makers) on Bybit and OKX. Yet implied vols on Deribit barely budged—front-month ATM sits around 41%, down from 45% a week ago. Translation: paper hands sold, professionals bought, and the options desk’s shrug means no one’s hedging the upside aggressively. That’s usually when melt-ups happen.
But 0.1 BTC Beats a House? Run Those Numbers Again
Median U.S. home price per Redfin: $412,000. For 0.1 BTC to match that, Bitcoin needs to tag $4.12M. Pie-in-the-sky? Maybe. But recall Saylor’s 2020 MicroStrategy entry was at $11k. We called him nuts then; he’s up 250% on size now. If Bitcoin’s market cap merely steals the monetary premium gold enjoys ($12T), we’re talking $600k per coin. That still doesn’t get us to house-parity, but it’s a comfortable two-bed in the Midwest.
Here’s the asymmetric cherry: downside is capped at zero, upside is unbounded until we stop printing dollars. The convexity math looks tasty even if 0.1 BTC only buys you a souped-up Cybertruck instead of a house.
What Could Break the Thesis
I’ve noticed some gaps in the bullish euphoria:
- Regulatory haymakers – Gensler could still drop the ban-hammer on centralized ramps. Then again, that probably squeezes supply harder.
- Protocol existential risk – A black-swan bug or a successful 51% attack. Unlikely, but never zero.
- Mass seller cohort – Mt.Gox coins unlocking or nation-state dumping (looking at you, U.S. Marshals). But bids show up fast under $30k, so we’re not sweating… yet.
If any combo smacks us, house-parity gets delayed, not canceled. That’s my gut read.
Why This Matters for Your Portfolio
If you’re underexposed to Bitcoin and overexposed to suburban drywall, consider rebalancing. I’m not saying ditch property—real estate cash-flows, Bitcoin doesn’t (unless you’re looping yields, in which case, DM me your risk office number). But locking in 0.1 BTC today (~$3,700 at $37k spot) feels a lot less daunting than coughing up a 20% down payment on a half-million-dollar ranch.
And here’s the kicker: We pulled data from Coinbase Advanced Trade—average ticket size for recurring buys this month is $116. At that pace, it takes roughly 32 weekly buys to hit the magic 0.1 mark. Eight months of disciplined stacking; no need to refinance Mom’s basement.
Trading Desk War Story (Because You Asked)
Back in 2017, we laughed at a junior who YOLO’d his Christmas bonus into 0.96 BTC at $9,800. We called him “Stackless Steve”… until 2021 when he sold a quarter coin to fund a down payment on a Denver duplex. He still HODLs 0.71 BTC, and the duplex cash-flows on Airbnb. The moral? A single coin changed the kid’s trajectory. Scaling that down to 0.1 BTC feels way more accessible in 2023.
Bottom Line From the Floor
We can’t promise 0.1 BTC will get you a three-bed colonial in five years. But from an asymmetric bet perspective, dropping four grand for a lottery ticket on housing-equivalent upside looks downright sane. CZ, Saylor, and Pulte just gave the meme a megaphone, and memes—ask DOGE—move markets.
As always, size responsibly, keep dry powder, and if you do collect the full tenth, label the wallet “future house” so you think twice before punting it on the next Pepe derivatives craze.
