Inside a Bitcoin-Powered Bank Account for Businesses

Inside a Bitcoin-Powered Bank Account for Businesses

Author: Wyatt O'Rourke & Jordan Guess August 5, 2026 Duration: 55:26

Most people think of Bitcoin onboarding as either "buy an ETF" or "run your own node" — Stephen Cole, co-founder of Castle, is building the entire financial stack in between.

Jordan and Wyatt sit down with Stephen to talk through Castle's journey from an automation-first on-ramp called Orchestra to a full Bitcoin-powered financial stack for businesses — cash accounts, revenue-percentage Bitcoin buys, and now high-yield exposure through Strategy's STRC. They dig into why Castle went to market with business entities first, how KYB compliance shapes onboarding, and why personal accounts are now opening up to retail individuals for the first time.

Stephen breaks down Castle's custody model with BitGo, why self-custody is always the goal but never the barrier to entry, and how the platform is quietly building treasury management tools — multi-sig-style approvals, permissioned roles, and governance — for businesses that want Bitcoin-native financial infrastructure without the operational headache. They also get into the STRC debate, stablecoins' place in a Bitcoin-first stack, and why Stephen thinks the term "Bitcoin treasury company" needs a much bigger tent than Wall Street headlines suggest.

Starting this week, we're kicking off a run of episodes featuring speakers from the Bitcoin Financial Services Summit — leading up to the event in October, we'll be bringing you conversations with the RIAs, CPAs, miners, and operators who'll be on stage in Denver.

🎟️ Join Us in Denver, Bitcoin Financial Services Summit

The Bitcoin Financial Services Summit returns October 20-22 in Denver, Colorado. RIAs, CPAs, lenders, miners, treasury companies, and Bitcoin-native operators all in one room. If you want to understand where Bitcoin and finance is going next, this is where you need to be. Get your tickets at bffs.media

Guest: Stephen Cole

Castle

Website: savewithcastle.com

Host Links

Wyatt O'Rourke

X: x.com/wyattorourke_

Website: basilic.io

Jordan Guess

X: x.com/jordanguess

LinkedIn: linkedin.com/in/jordan-guess-cpa

Website: bitment.co

Bitcoin Financial Services Media

X: x.com/bffs_media

Website: bffs.media

YouTube: @bffs_media

Show Sponsors

Basilic Financial: Your wealth deserves intention. Basilic is a Bitcoin-focused wealth management firm helping clients find balance between money and meaning. Financial planning, individual wealth management, retirement services for SMBs, and Bitcoin financial services. basilic.io

Bitment: Tired of messy CSVs and broken cost basis? Bitment is the first Bitcoin-native accounting platform for CPAs, advisors, miners, and serious investors. Clean Bitcoin bank statements, reliable cost tracking, full reporting, and seamless fiat integration through Plaid. bitment.co

Satoshi Pacioli: Run a Bitcoin business? Meet your full-service accounting and tax partner built for the Bitcoin economy. Bookkeeping, financial reporting, tax compliance, and strategic planning for companies and individuals who speak Bitcoin. satoshipacioli.com

Unchained Capital: Not your keys, not your bitcoin? Unchained is a bitcoin financial services company offering collaborative multisig custody, bitcoin-backed loans, a trading desk, and bitcoin IRAs — all while you keep control of your keys. unchained.com

Sound HSA: Why let your health savings sit in cash? Sound HSA is the first bitcoin-native Health Savings Account, combining triple-tax-advantaged HSA benefits with real bitcoin holdings, automated tax docs, and a receipt vault for medical expenses. soundhsa.com

River Financial: Want a bitcoin-only brokerage built for the long haul? River offers full-reserve custody, zero-fee recurring buys, and an interest-bearing cash account that pays out in bitcoin. river.com

Quantify Funds: Looking to stack scarcity assets? Quantify Funds is the asset management firm behind the STKd suite of ETFs, including BTGD — the first ETF combining 100% bitcoin and 100% gold exposure. quantifyfunds.com

Revolution Mortgage: Buying a home or refinancing? Revolution Mortgage is a nationwide lender offering FHA, VA, USDA, and conventional loans, with a tech-driven process built for lower rates and faster closings. revolutionmortgage.com


You’ll find Bitcoin for Financial Services Podcast lives at the intersection of established finance and a rapidly evolving digital asset landscape. Hosts Wyatt O’Rourke and Jordan Guess bring distinct, grounded perspectives to each conversation. Wyatt, author of The Bitcoinization of Finance and founder of Basilic Financial, operates daily in the practical work of connecting traditional wealth management with Bitcoin’s emerging economy. Jordan’s complementary expertise allows them to dissect complex developments with clarity. Together, they move beyond hype to examine the tangible mechanisms, regulatory shifts, and institutional adoption that are actively restructuring financial services. This isn't about abstract theory; it's a close look at the tools, strategies, and real-world implications for professionals and serious investors. Each episode of this podcast feels like a focused discussion, unpacking how Bitcoin technology influences everything from portfolio construction to payment systems. If you're navigating the convergence of legacy systems and cryptographic innovation, the dialogue here provides a necessary and nuanced compass. Tune in for analysis that respects the depth of both finance and the foundational technology changing it.
Author: Language: English Episodes: 39

Bitcoin for Financial Services Podcast
Podcast Episodes
How River Hit Its Highest Volume Month Ever During a Market Crash [not-audio_url] [/not-audio_url]

Duration: 59:06
When Bitcoin's price dropped and sentiment hit the floor in February 2025, most people expected adoption to slow. River's numbers told a completely different story… their highest volume month ever. In this episode, we si…
The $4,000 Rug Pull: Why Fiat Payments Break Small Businesses [not-audio_url] [/not-audio_url]

Duration: 55:59
This episode, we sit down with a payments veteran with 15+ years of payment innovation experience to dissect the inherent flaws of modern credit card rails and fiat payment systems. As financial professionals, we often s…
The Real Reason You Lose 8% Every Year [not-audio_url] [/not-audio_url]

Duration: 59:00
In this episode, we sit down with a CPA and financial advisor to deconstruct why traditional value investing models are failing in the current economic environment. We explore the critical flaw in modern accounting, whic…
Ex-Apple Engineer Reveals How AI Is Stealing Your Data [not-audio_url] [/not-audio_url]

Duration: 1:04:31
We sit down with a privacy-focused AI founder to discuss the massive security holes in popular tools like ChatGPT and Claude. The convenience of these models often comes at the cost of client confidentiality and transpar…
1 Billion Users: Why the Lightning Network is Winning [not-audio_url] [/not-audio_url]

Duration: 48:18
We sit down with Lightning Network executive Bobby Shell to explore how Bitcoin is maturing from a tinkerer's hobby into an essential enterprise powerhouse. We break down the massive shift in payment rails, revealing how…
Mortgage Insider: Use Your Bitcoin To Qualify Now! [not-audio_url] [/not-audio_url]

Duration: 52:31
We explore a massive breakthrough for Bitcoiners looking to enter the real estate market. For years, traditional banks have forced us to liquidate our stack or denied loans because our wealth is not in fiat. In this epis…
Why Your Business Needs An Anti-CBDC Strategy Now [not-audio_url] [/not-audio_url]

Duration: 59:50
In this episode, we sit down with Adam Simecka to discuss the critical importance of building tools for independent value transfer in an increasingly surveilled world. We explore why self-custody is the only true protect…
Why 99% of Advisors Will Be Unemployed in 3 Years [not-audio_url] [/not-audio_url]

Duration: 1:08:45
We sat down with Zach Wischler, Director of Sales at Casa, to dismantle the false security of the ETF narrative and explore the future of wealth preservation. While Wall Street pushes paper Bitcoin, the real value for hi…