Andy Schectman and Jared "Stacking Surfer" argue that stablecoins may function like programmable CBDCs, creating synthetic demand for U.S. Treasury bills while expanding surveillance and spending control. The conversation ends with a strong precious-metals bull case: hold gold and silver as protection against debasement, digital controls, and a cashless future.
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This episode is a long-form conversation between Andy Schectman and Jared, who appears as the guest and is introduced as "the Stacking Surfer" / "The Silver Stacking Surfer." The discussion centers on precious metals, money, and the potential implications of stablecoins and the Genius Act. The first major theme is Jared’s origin story. He says he began buying gold amid the 2021 inflation surge, initially from a local jewelry shop, and then moved deeper into precious metals through YouTube research and community interaction. He explains that his channel was built to help viewers understand the difference between being a trader, investor, or stacker, and to help people build financial independence. …
Tactically, the episode argues for staying alert to stablecoin and Genius Act headlines because they may quickly affect Treasury demand and the metal narrative. In the immediate term, the actionable bias is accumulation-minded toward gold and silver rather than chasing volatile moves.
Over the next few months, the base case is broader acceptance that stablecoins can support short-dated Treasury demand while the dollar continues to face structural debasement pressure. That combination is constructive for precious metals if adoption and central-bank buying keep confirming the thesis.
The long-run implication is a more programmable financial system where money, compliance, and identity are increasingly merged. In that regime, physical gold and silver remain the durable outside-system assets that preserve optionality when digital money becomes more controllable.
Stablecoins are basically CBDCs issued by third-party companies rather than central banks.
Jared explicitly equates stablecoins with CBDCs on a functional basis, emphasizing programmability and control.
Stablecoins could be programmed to force spending, restrict purchases, or expire if not used in time.
He gives concrete examples of time limits, category restrictions, and jurisdictional limits.
Stablecoins will create synthetic demand for short-term U.S. Treasuries and help fund the government by keeping rates low.
Schectman argues the reserve requirement forces issuers to buy Treasury bills, absorbing bond supply.
Why did you start the Stacking Surfer channel and what do you want people to feel when they hear Stacking Surfer?
Jared started the channel after seeing inflation kick in during 2021. He began buying gold from a local jewelry shop, then started watching YouTube precious metals channels. Friends encouraged him to start his own channel; he was hesitant due to privacy concerns but was pushed over the edge by his love of helping and educating people. The channel focuses on helping people understand the difference between being a trader, an investor, and a stacker, and how to become more financially independent.
Where does 'surfer' come from and what's a favorite place you've surfed?
His favorite surf spot is Northshore on Oahu. He has a 9.5-foot longboard and picked up surfing about seven years ago when he moved back to Southern California. The 'surfer' name came from being in Southern California (a fun theme), his actual love of surfing, and the metaphor of 'surfing the tsunami' — the silver and gold tsunami. He explains that waves come in sets with a largest middle wave, and markets especially precious metals follow similar patterns of waves and sets.
What was the moment you went from interested to all-in on stacking, and who shaped your thinking early?
His earliest experience was collecting coins and stamps with his dad as a kid. The real turning point was when he saw the stock market starting to crash in 2021 and gold and silver becoming more prominent. But what truly did it for him was holding a gold coin and silver in his hand — feeling the energy, pinging the coins, hearing the resonation of silver and gold at a high vibration compared to modern coins that have a dead thud. That's when he realized this wasn't just collecting coins but a way to save, invest, and prepare for potential bartering scenarios.
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