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> Together, they form a complete personal monetary stack.

I cannot name a single use of peer-to-peer Bitcoin that is not outperformed by Monero in latency, gas price and privacy. Frankly, if you use Bitcoin as a storage of value I would argue you don't know the first thing about investing.

Bitcoin is almost entirely useless without L2 workarounds, at which point you might as well compare the Monero L2 chains as well.

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That’s a fair point—Monero is superior for peer-to-peer payments in terms of latency, fungibility, and privacy. But I’d push back on the idea that Bitcoin is useless outside of L2s.

The post isn’t claiming Bitcoin is better for transactions. It’s saying Bitcoin anchors legitimacy in a world that increasingly demands auditability—whether we like it or not.

Think of Bitcoin as the externally visible proof-of-reserve layer, and Monero as the privacy-preserving execution layer. One gives you credibility. The other gives you cover.

The stack isn’t about outperforming each other. It’s about asymmetry across contexts.

What's your argument for bitcoin being useless as a store of value? In which ways could it be improved?

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