@100trillionUSD, whose actual person is not known, is a Dutch expert in the field who is famous for making the Bitcoin Stock-to-Flow (S2F) model. Because he has experience in law and quantitative finance, he became famous for predicting that Bitcoin would reach $100,000 or even $288,000 shortly after the halving occurred. Plan B decided to leave traditional finance and focus just on Bitcoin advocacy, and today he has 1.8 million followers on X. Plan B’s S2F model draws both praise and criticism, showing that he is a divisive force in the crypto world. This article discusses who PlanB is, how much he owns, how the S2F model has impacted Bitcoin, and how his role in crypto has grown since May 2025.
How to Become a Crypto Analyst
PlanB started gaining attention in the crypto world in 2013 after reading Satoshi Nakamoto’s whitepaper on Bitcoin and finding it “brilliantly written.” Interested in its structure, he took advantage of his 25 years in finance to consider how Bitcoin could be used. In March 2019, he presented the Stock-to-Flow model on Medium, stating that Bitcoin’s value is tied to its shortage, which is measured as the stock divided by the annual production. Darra predicted that every time there was a halving of rewards to miners, the Bitcoin price would increase tenfold, leading to his $100,000 estimate for 2021.
Prices surged in the S2F model after Bitcoin’s 3rd halving in May 2020, reaching $69,000 in November 2021, nearly hitting the $98,000 “worst-case” prediction of PlanB. His X posts, such as one by @Cointelegraph in February 2021, spread the word about how he manages billions as an investment manager. The model’s inability to reach the $100,000 target in 2021 caused people to criticize it, including Ethereum’s Vitalik Buterin in his 2022 X post. On X in June 2021, PlanB admitted that S2F simplifies many factors, but still finds it useful since not all models are perfect.
An Overview of the Stock-to-Flow Model
It says that Bitcoin’s S2F ratio, which falls after halvings, tends to rise along with the improving correlation between its price and the ratio. Since the last halving, Bitcoin has a S2F ratio of 50, although gold has a ratio of 62, thus implying that its high scarcity increases its value. To come up with his prediction, PlanB used 111 data points for the years 2009–2019, factoring in lost Bitcoin and marking a focus value of $288,000 by 2024. Introduced in 2020, the S2FX model investigated gold, silver, and real estate, and predicted that Bitcoin could rise to $1 million over time.
Some critics, for example, Cointelegraph in 2022, feel the S2F model does not adequately consider demand, reasoning that the dominance of Bitcoin fell as altcoins like Ethereum gained ground. In 2021, Eric Wall, an analyst, and Alex Kruger, an economist, both rejected it by pointing out problems related to autocorrelation and cointegration. Yet, PlanB’s model is highly regarded, and @Sasha_why_N highlighted its success in calling Bitcoin’s surge to $55,000 in 2020, even if it did not forecast the higher targets. PlanB made it clear in his April 2025 X post that calls Ethereum a “centralized premined shitcoin,” that he is a strong advocate for Bitcoin.
Net worth, as well as my crypto investments.
There is no way to calculate Plan B’s fortune because he is secretive. Memod.com contends that Thiel, once managing billions, might have $10 to $50 million in net worth right now due to his earlier involvement in Bitcoin. According to an X post from February 2025 published by @Cointelegraph, PlanB sold his Bitcoin and used the proceeds to purchase ETF stocks, explaining that he had privacy issues with his private keys. Still, many readers are uncertain about this claim. He probably owns Bitcoin, since he has openly supported it, but has not made any official statements about it yet. According to Coin Stories, Laura’s decision to focus on Bitcoin education full-time in the period from 2021 to 2022 was made possible by her income from consulting, speaking, and X-related revenue, as well as having many followers.
According to Plan B, he owns assets from traditional finance, such as bonds and fixed-income investments. Rather than allocate much of the institution’s money to Bitcoin because it provides no earnings, he likely used his own portfolio to capitalize on Bitcoin’s boom from 2013 to 2020. Even though the interviews reveal Mark’s love of sailing and astronomy, he has always been quiet about his wealth.
Forming Crypto Conversations
Plan B is known for his participation in S2F and also because of his appearances in the media. Because of his blog on planbtc.com and appearances on shows such as The Pomp Podcast and Real Vision, many people consider him an authority in analyzing Bitcoin. He thinks that using Bitcoin helps protect against the effects of printing more money and inflation, since his pseudonym “PlanB” means an alternative, and 100 trillion USD is the point at which Zimbabwe’s money became almost useless in 2008. Paul predicted back in early 2021 on his Wolf of All Streets podcast that Bitcoin would climb to $288,000 because of network effects and merchants using the currency.
Even though his models are not accurate, PlanB’s focus on chain analysis and trading still keeps him in the spotlight. In a 2025 RhinoBitcoin publication, he again advised investors to keep their coins rather than trade and to check the crypto network’s hash rates and popular social media for clues about future prices. His arguments with Vitalik Buterin after 2022 now demonstrate that Nakamoto sees all altcoins as one crime, managed like any central bank. Like the example from March of 2024, X posts by @dextrade_ show that many people in the community still support his work.
What Will Become of Plan B in Future Generations
Despite S2F’s record of being unreliable, PlanB is still active and expecting a 7–10x increase in Bitcoin’s price in May 2025. Some believe that cutting reward payments in half in 2024, leaving only 3.125 Bitcoins, fits Bitwise’s theory, but others suggest that China’s effort to ban mining in 2021 made predictions faulty. He addresses retail investors by providing educational materials on Bitcoin through video and events. The impact of PlanB’s work will depend on whether it is Bitcoin’s supply or people’s desire that makes his predictions true or not.
FAQs
1. Who is the creator of Plan B?
PlanB is a Dutch investor who is known for making the Bitcoin Stock-to-Flow model.
2. What does the Stock-to-Flow model represent?
It uses the law of supply and demand to predict the Bitcoin price from 2021, expecting it to range from $100k to $288k.
3. How much money does Plan B supposedly have?
The value is estimated to be between $10 and $50 million, but specifics have not been made public, as the main earnings are from Bitcoin and regular investments.
4. Why do some find an issue with the strategy proposed by Plan B?
Some criticize it by stating that it overlooks demand, along with faulty cointegration, and makes too optimistic predictions, not reaching the $100,000 mark in 2021.
5. How does the creator of Plan B affect the crypto market?
By writing on breakingnewsbitcoin.com, posting on Twitter, and creating a DApp that appreciates Bitcoin, keeps the asset, and consults on-chain and market statistics.
