Simon Dixon is a leading voice in the future of money — a Bitcoin investor, entrepreneur, and financial futurist who has spent over two decades challenging the global banking system and building alternatives.

His journey began with a personal question: after the dot-com crash of 2000 wiped out his father’s pension, Simon set out to understand “Where did the money go?” That question led him from roles inside traditional finance — stockbroker, market maker on the London Stock Exchange, and investment banker — to becoming one of the few insiders who walked away before the 2008 financial crisis to fight for monetary reform.

In 2012, Simon published Bank to the Future: Protect Your Future Before Governments Go Bust — the first published book in the world to include Bitcoin. He was also a keynote speaker at the first European Bitcoin conference in Prague in 2011, when Bitcoin traded at just $3.

Building the Future of Finance

Through his company BnkToTheFuture, Simon pioneered one of the earliest regulated Bitcoin securities platforms, raising over $2.5 billion of investment into the Bitcoin and fintech sector. He was an early investor in more than 100 companies that went on to shape the digital economy — including Coinbase, Kraken, Circle, Bitfinex, Blockchain.com, Bitstamp, BitPay, Robinhood, and Exodus.

This track record speaks for itself: Simon is financially independent, investing his own capital while helping others navigate the new financial system. Robert Kiyosaki has called him “the first guy to talk about Bitcoin,” Richard Branson has praised BnkToTheFuture, and Max Keiser has dubbed him “the best investment banker in Bitcoin.” He is also remembered for his debate with Peter Schiff — the only Bitcoin debate where Schiff conceded.

Challenging the Establishment — UK, Isle of Man & El Salvador

Simon has repeatedly attempted to work with governments to advance Bitcoin adoption.

• In the UK, he fought for banking reform but was blocked by the Bank of England.

• In the Isle of Man, he brought leading Bitcoin companies to the island for the 2014 Crypto Valley Summit, working with the government as they drafted legislation to accept taxes in Bitcoin and considered making it legal tender — a move ultimately shut down by banks, regulators, and the IMF.

• Years later, in El Salvador, he advised President Nayib Bukele’s team during the country’s historic adoption of Bitcoin as legal tender, advocating for its vision as a “Wall Street of Bitcoin.”

Advocacy, Integrity & Geo-Financial Analysis

Simon is known for his foresight in predicting financial crises and crypto collapses, from the 2008 banking crash to failures like fraudulent crypto exchanges, even though he was caught off-guard by his investment in Celsius. Having lost a portion of his own Bitcoin in Celsius, he became a relentless advocate for creditors, proving his commitment to fighting alongside those harmed by systemic fraud.

Since October 7th 2023, Simon has dedicated himself to supporting the Palestinian cause and broader anti-war movements, using his platform to provide daily geo-financial analysis. He “follows the money” behind wars and global politics, exposing how monetary flows often reveal truths hidden by political narratives. He coined the term “proof-of-weapons network” to describe how war is financed and profits extracted — and advocates Bitcoin self-custody as a form of boycott against it.

Media, Education & Public Engagement

Simon’s content reaches millions through his YouTube channel (since 2011), his X account (opened in January 2011), and his weekly podcast BitcoinHardTalk — covering Bitcoin, macroeconomics, and geopolitics. He has been featured in the BBC, Financial Times, Reuters, Bloomberg, and The Wall Street Journal, and is often the expert that other experts follow.

Through his free BitcoinHardTalk Membership Portal, Simon now open-sources what was once exclusive to top clients — including a digital copy of his book, a video series (The Great Depression of the 2020s), podcast archives, and practical guides on Bitcoin self-custody.

Mission

Simon Dixon’s name is now synonymous with Bitcoin, investing, money, and geo-financial analysis. His mission is clear:

• Help people protect their wealth through Bitcoin in self-custody

• Expose how global finance really works by following the money

• Build alternatives to a broken financial system

• Support those using finance as a tool for peace and freedom

Simon doesn’t do this for money anymore. Bitcoin has already made him financially independent. He does it because the world needs voices willing to challenge the system and prepare people for a future shaped by Bitcoin, AI, and central bank digital currencies.

Simon Dixon's journey into the intricate world of money and finance is rooted in a profound and painful personal experience that has driven his over two-decade quest for financial truth. The catalyst was the financial ruin of his father, Reg Dixon, whose entire pension was wiped out in the stock market in 2000 during the dot-com boom and bust. This catastrophic loss ignited an all-consuming obsession in Simon, crystallising into a relentless inquiry: "Simon, where the hell did my money go?". This question transcended his father's accounts, evolving into a philosophical exploration of money, banking, and the systemic flaws that allow life savings to vanish within what he identifies as a "corrupt banking and financial industry". This formative experience established a recurring theme in Simon's life—a cycle of following the money and unpacking financial corruption. Decades later, this narrative came full circle when Simon himself lost Bitcoin, valued at $45 million, in the collapse of the Celsius Network Ponzi scheme, a company he invested in and made the mistake of borrowing against a small percentage of his Bitcoin. This personal loss served as a validation of his ongoing crusade, transforming him into a "wounded healer" fighting alongside those impacted by systemic failures and malfeasance. He spent two years fighting for the best outcome as the seventh largest creditor of 650,000 victims giving him direct experience in large scale bankruptcy recoveries involving Bitcoin.

From Insider to Visionary Outsider

Before becoming a leading architect of decentralized finance, Simon Dixon was a consummate insider within traditional finance, meticulously trained in its inner workings. His academic foundation includes a degree from Kingston University, followed by a Master's degree in Economics from Manchester University. He built a career spanning over 26 years, with roles as a stockbroker for TD Waterhouse, a market maker on the London Stock Exchange, and an investment banker in corporate finance at KBC Peel Hunt.

However, Simon's insider perspective led to disillusionment rather than complacency. In 2006, two years before the global financial crisis, he foresaw the impending crash. Inspired by Robert Kiyosaki's Rich Dad Poor Dad, he made the radical decision to exit the traditional financial system completely to pursue his passion for monetary reform and answer his father's profound question. This principled act of professional dissent marked him as "one of the few insiders to completely exit the system" before the collapse, setting a pattern of foresight that would define his career.

The Blueprint for Monetary Reform: 'Bank to the Future'

Simon's exodus initiated a challenging chapter: a direct attempt to reform the banking system from the ground up. He dedicated three years and all his resources to creating a "fair bank for the people" in the United Kingdom, based on the principle of non-fractional reserve banking, directly challenging the modern practice of creating money through lending. He identified three fundamental flaws in the existing structure: banks legally owning depositors' money, investing it in debt enslavement without consent, and increasing the money supply with every loan.

The resistance from the established order was insurmountable. The UK financial regulator presented impossible demands, insisting his proposed bank engage in the very fractional-reserve banking practices he sought to eliminate. This fight to change UK banking law left him financially shattered, accumulating £250,000 in personal debt, leaving him "dead broke".

From the ashes of this failed reform effort came the thesis for his groundbreaking book, Bank to the Future: Protect Your Future Before Governments Go Bust, which he began writing in 2011 and published in January 2012. This book holds historical significance as the first published book in the world to include and analyse Bitcoin. Its true legacy lies in its uncanny prescience: years before they became mainstream, Dixon laid out a clear blueprint for key pillars of the new financial world, including concepts of decentralized finance (DeFi), stablecoins, government-issued digital currencies (CBDCs), the growth of the gig economy, and the eventual breakdown of centralized banking. The book is praised for its accessibility, making complex ideas about the "current corrupted financial system" understandable to a broad audience.

The Bitcoin Revelation and BnkToTheFuture's Rise

In 2011, financially broken and deeply in debt, Simon encountered the idea that would define his legacy. As a keynote speaker at the very first Bitcoin conference in Europe, held in Prague, he immediately understood its revolutionary potential. Bitcoin, then valued at just $3 per coin, resonated as a practical, technological solution to the core problems of traditional banking he had fought against. It allowed direct ownership of money, freedom to spend without intermediaries, and a fixed, predictable supply immune to manipulation.

This pivotal moment led Simon to transform his company, BnkToTheFuture, into the world's first regulated Bitcoin securities business, an online investment platform designed to channel capital into the nascent Bitcoin and FinTech ecosystem. The platform was revolutionary, enabling qualified investors to pool funds and gain exposure to promising early-stage companies building the new digital economy. BnkToTheFuture also pioneered operational structures as one of the earliest regulated, fully digital, globally decentralized businesses with a remote workforce.

The platform's success is a testament to Simon's visionary ability to identify future industry titans long before they were household names. He was a crucial early investor in companies that built the bridges, exchanges, and tools for mass adoption, providing early-stage capital that helped launch an entire industry. BnkToTheFuture has been responsible for placing over $2.5 billion in investments. His foresight is evidenced by early investments in foundational companies such as:

•  Coinbase: A leading cryptocurrency exchange and primary gateway for retail investors.
•  Kraken: A major global cryptocurrency exchange known for security and robust trading.
•  Bitfinex: A top-tier trading platform where Simon played a key role in designing its recovery plan after a major 2016 hack.
•  Circle: Issuer of USDC, a leading regulated stablecoin.
•  Blockchain.com: One of the earliest and most popular non-custodial crypto wallet providers.
•  Bitstamp: The world's longest-standing Bitcoin exchange.
•  BitPay: A leading provider of Bitcoin payment processing services for merchants.
•  RobinHood, Exodus and many others.

Bitcoin has since provided Simon's business with complete independence from venture capitalists, banks, and external funding, allowing him to operate from a neutral position with no political interference and full financial independence.

A Voice in the Halls of Power and Beyond

Simon Dixon's influence extends into the highest echelons of global finance and governance. Early in his monetary reform journey (between 2006 and 2010), he was invited to speak at the UK Parliament, presenting visionary strategies on economics, future finance, and the disruptive potential of Bitcoin to senior leaders, including then-Mayor of London, Boris Johnson. However, it became clear that his insights were being "co-opted by governments not to liberate people—but to retain control". This realisation led him and his wife and business partner, Bliss Dixon, to make a conscious decision to lead from outside the system, believing true decentralisation and public empowerment could not be achieved within structures designed for centralised control.

In 2014, after difficulties to implement banking reform with the UK government, Simon attempted to work with the Isle of Man government, even bringing Bitcoin companies to the island for a "Crypto Valley Summit". The Isle of Man government went so far as to put out legislation to accept tax in Bitcoin and considered making Bitcoin legal tender, which would have made it the first country to do so. However, banks, regulators, and the IMF ultimately interfered and shut down this initiative, mirroring the ongoing challenges faced by El Salvador. Simon's work highlights a consistent struggle against the Bank of England and the International Monetary Fund, which he identifies as key parts of what he calls the "proof-of-weapons network".

Years later, his expertise was sought globally when El Salvador adopted Bitcoin as legal tender. Simon met with President Nayib Bukele and his government, offering strategic counsel to help shape the country's sovereign adoption roadmap. His ambitious vision for the nation is to help transform El Salvador into a global hub for Bitcoin-based finance, a "Wall Street of Bitcoin".

Trial by Fire: Integrity in Crisis

The volatile cryptocurrency world has seen Simon Dixon emerge as one of its most steadfast and principled leaders. He is known as "accidentally the Chapter 11 guy" for his involvement in supporting creditors in Celsius, BlockFi, and the systemic risks of Digital Currency Group documenting each case on his YouTube channel and x Spaces. His expertise extends to recovery efforts, playing a key role in designing the innovative recovery plan for Bitfinex after its 2016 hack, which successfully made depositors whole. He applied this same dedication during the Celsius bankruptcy, tirelessly advocating for creditors and proposing restructuring plans. A deliberate and calculated fraud and engaged in a very public feud with now convicted financial criminal Alex Mashinsky. This modern echo of his father's injustice has only hardened his resolve to fight for the rights of everyday investors.

In fact his father passed away on June 12th 2022-the same day Mashinsky locked 650,000 investors out of their accounts including pensioners and investors lifetime savings. Simon's uncompromising stance against central bank manipulation, financial corruption and institutional control has often led to his work being censored or algorithmically suppressed on major platforms, as his message is perceived as a direct threat to the established narrative. Despite coordinated criticism from anonymous online accounts, these attacks are viewed by his followers as a "badge of honor"—a testament to the potency of his message and the threat his advocacy poses to the status quo.

The Uncompromising Financial Futurist

Simon Dixon is a systems thinker and a financial futurist, known for his rare intellectual ability to synthesize Bitcoin, macroeconomics, global geopolitics, geofinance, decentralization, and Artificial Intelligence into a single, cohesive framework. This unique perspective allows him to anticipate global financial shifts with uncanny precision, with his predictions stemming from structural analyses and deep pattern recognition. He has consistently been two years ahead of many topics considered unbelievable or controversial.

More recently, particularly since October 7th 2023, Simon has dedicated himself to supporting the Palestinian cause and anti-war movements. He provides daily content to help people understand how to boycott the system and use finance for activism, as well as assisting in rebuilding financial systems for war-torn countries. He conducts geo-financial analysis (not identifying as an analyst himself) to understand the financial impact of wars and discern monetary flows, which often tell a completely opposite story to political narratives and media reports. He coined the term "proof-of-weapons network" to articulate the existing global power dynamics.

Simon is a crucial educator for a new financial era, cultivating a large audience across social media platforms like X (formerly Twitter), where his account was created in January 2011, and YouTube, created in 2011. His podcast, "BitcoinHardTalk," offers in-depth discussions on Bitcoin, macroeconomics, and geopolitics, preparing audiences for a world shaped by Bitcoin, AI, and central bank digital currencies. His voice is a staple in top-tier legacy financial media, including the BBC, Financial Times, Reuters, Bloomberg, and The Wall Street Journal. Many leading financial influencers study his work to shape their own commentary, making him the expert that other experts follow.

While Simon Dixon does not explicitly state his wealth due to security concerns, his financial success as an investor and businessperson is implicitly conveyed through his journey. This is evident from his investment in Bitcoin at $3, his strategy of buying more Bitcoin every month regardless of price and BnkToTheFuture's role in placing over $2.5 billion in investments into companies that became multi-billion dollar public companies, making him financially independent to the point where he didn’t need any venture capital funding for his company or any dependency upon debt. His credibility is further endorsed by notable figures: Robert Kiyosaki acknowledged him as "the first guy to talk about Bitcoin," Richard Branson praised BnkToTheFuture, and Max Keiser refers to him as the "best investment banker in Bitcoin". His debate with Peter Schiff is noted as the only Bitcoin debate where Schiff had to concede.

Simon's public association has evolved to encompass Bitcoin, investing, money, and geo-financial analysis. His mission to educate and prepare the public for monumental shifts continues, consistently aiming to provide individuals with the knowledge and tools needed to protect their wealth and secure their financial future in an increasingly uncertain world.

Engage with Simon Dixon

Simon Dixon advocates for Bitcoin in self-custody as his primary message, viewing it as a mechanism for boycotting the system and "draining the proof-of-weapons network of all its war profits". To support this, he offers a free "BitcoinHardTalk membership portal," where individuals can join his newsletter and gain access to:

• A free digital copy of his book, Bank to the Future.
• A 4-part video series titled "The Great Depression of the 2020s," published before the decade began.
• Archives of all "BitcoinHardTalk" podcast episodes.
• Practical guides on how to self-custody Bitcoin and boycott the system.

This content, previously exclusive to his top clients, is now open-sourced to make it accessible to as many people as possible, given how wealthy Bitcoin has made many of his early clients and himself.

Simon Dixon is a visionary who not only predicted the future of finance but has spent over a decade building its foundational pillars. His journey from investment banking insider to revolutionary outsider, his prescient writings, his role in funding the Bitcoin ecosystem, and his steadfast leadership in times of crisis make him an essential voice for any serious discussion about money, technology, and economic sovereignty. His insights are sought by world leaders, industry titans, and a global community of investors.