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Lo Que Arde

While you’re scrolling, Harvard buys Bitcoin and the White House watches DeFi

Illustration of the White House at night with the U.S. flag waving at the center, a large Bitcoin coin on the left, and a golden cube with cryptocurrency symbols on the right, representing the intersection between political power and digital assets.


It didn’t make national headlines or flashing red banners, but it happened anyway.Universities buying Bitcoin quietly, political power glancing at DeFi from the corner of its eye, and the financial system shifting without asking for permission.

History doesn’t move with speeches — it moves with actions nobody applauds in the moment.



Black-and-white photograph of Harvard’s classical university building with columns and crests, with people going up and down the steps, symbolizing traditional education and institutional power.



Harvard, Hong Kong, Vitalik and the international tax system didn’t coordinate — yet this week it almost feels like they did.

Everything points to the same place: money has already moved on-chain, and now the old system is trying to catch up.




1. Harvard jumps into the ETF as if it were a Treasury bond

The Harvard endowment increased its position in BlackRock’s IBIT spot Bitcoin ETF by 257%. It has now become its largest declared equity holding.

For those who’ve been watching the market for years, this isn’t just “another whale.” This is a university whose entire existence revolves around managing financial and academic future, treating BTC as a long-term strategic asset — not as a speculative whim.

Silent translation: if the most conservative institutions accept Bitcoin on their balance sheets, the idea of it being a “forbidden asset” moves a few steps further away.


2. Hong Kong tests tokenized deposits

Meanwhile, the HKMA launched its first pilot program for tokenized deposits with banks and financial institutions. The same old money — but issued as tokens that settle on blockchain with real value, not in a theoretical sandbox.

This opens a strange and powerful door: bank deposits that inherit traceability, programmability, and near-instant settlement, without ceasing to be “bank money.” It’s a direct bridge between the core of the financial system and the crypto infrastructure.


3. Washington flirts with CARF

In parallel, the United States is considering adopting CARF, the global crypto tax reporting standard designed by the OECD.

In human terms: more countries sharing information about wallets, exchanges, and transactions. Less room for tax opacity, more pressure for big players to follow coordinated rules.

It doesn’t kill innovation, but it raises the bar for transparency. The message for the serious user is simple: either you get organized, or you get organized by force.


4. Vitalik introduces Kohaku and Ethereum becomes more discreet

Vitalik Buterin announced Kohaku, a toolkit designed to bring privacy by default to Ethereum: transactions that are harder to track at a glance, without breaking the public logic of the network.

This isn’t absolute anonymity. It’s a step toward an Ethereum where not your entire financial history hangs out like a permanent résumé every time you pay for something.

In a context shaped by CARF and increasingly curious regulators, the battle is no longer “regulation yes or no,” but how to strike a balance between traceability and the basic right to a certain level of economic privacy.


5. ETH holders move more than BTC holders

Glassnode found that ETH holders move their coins about three times more than BTC holders.

It makes sense: Bitcoin increasingly behaves like a cold store of value, while Ethereum is the highway where DeFi, NFTs, L2s, and all kinds of experiments live. One asset is accumulated, the other is used.

Combined with Kohaku, the picture is clear: ETH is deciding what kind of asset it wants to be in the next phase, and on-chain data already shows it being used more as “digital oil” than as an immobile ingot.


6. El Bloque Onchain: free training in Spanish

And in the middle of all this, in the Spanish-speaking world, El Bloque Onchain appears: December 17–18, more than 10 hours of free training on DeFi and tokenization with people who are building real things, not just writing threads.

It’s a sign of another layer of change: you no longer need to read everything in English to understand what’s going on.The conceptual infrastructure is also becoming localized.



Historic façade of the Memorial Church at Harvard University, red-brick Gothic architecture under a blue sky.


What ties all these pieces together isn’t hype.

It’s the feeling that the traditional system has been forced to take a stance:

  • Universities and funds turning Bitcoin into a strategic asset.
  • Central banks testing tokenized deposits.
  • States tightening the global fiscal lens.
  • Ethereum negotiating between privacy and transparency.
  • Serious, technical training in Spanish — open and free.


It’s not a futuristic movie — it’s the kitchen where the next five years are being cooked.





If you want to go deeper into this strange crossroads between crypto, market reading, and real-world decisions,

at Lo Que Arde I’m building an ecosystem for those who want to operate with more criteria and less improvisation.





These training programs are already active today:


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Additionally, the Crypto Arbitrage Guide

by Germán, the Crypto Accountant, is already available:

A professional resource to clearly understand what you’re doing when you arbitrage — and how to stay organized with taxes.





And coming soon as well, the

Complete Course for Arbitrageurs,

with the latest updates

from a market that changes all the time.









On the other hand, I’m preparing a

free ebook — part glossary, part crypto history —

by Lo Que Arde Digital,

designed to understand the language of the market

without depending on panic or noise.







instagram icon @loquearde.digital


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