Should I Spend or Stack ZEC?

Pay With Zcash
2 min readJun 7, 2022


Spend or Stack?

The struggle is real. Why spend Zcash if you believe it will be worth more in the future?

Here’s the thing. I don’t think spending and stacking are oppositional.

Here’s why.

Everyone’s finances are different. But at the end of the day, we can distill personal finances down to income, expenses, and storing value.

There are endless ways to make a living in this world. As Andreas Antonopoulos said in a speech about money as a system of control, “All I have is my creative potential, my spirit, my productivity.” You can get paid by an employer, the government, a pension, stock dividends, or selling a service or product.

There are equally endless ways to spend that money, on housing, food, entertainment, clothing, transportation, debt, charitable causes.

What is left over after expenses is kept as a store-of-value, in dollars, crypto, real estate, stocks, metals.

So money goes through these filters. Income — > Expenses — > Store of Value

If a person acquires Zcash after paying expenses, at the end of the process, it goes directly to store of value. Then it makes perfect sense to ask “Why spend Zcash?” Because that’s your investment to retain and let grow for the future.

If a person acquires Zcash before paying expenses, and uses it to #paywithzcash, it is a medium of exchange. If you’re going to buy a website domain, you can use Zcash at Njalla instead of dollars at GoDaddy. If you’re going to buy hot sauce, order from FYM Hot Sauce instead of using dollars at Whole Foods. When you’re at Chipotle, you can pull out your SPEDN app instead of a credit card. Instead of being a product of big data tracking systems, you can take control of your expenses and make them private and consensual.

Zcash can be acquired before or after paying expenses. If you’re buying things you’d normally buy anyway, then exchanging your capital to Zcash earlier in the process does not materially change how much gets stacked at the end of the process.

In fact, ZEC can travel through the whole personal financial process! It can be earned, it can be spent, and it can be saved. And when ZEC travels through the whole process, Zcash becomes an empowering alternative to a broken financial system. It becomes a source of freedom that enables autonomy over a person’s creative potential, their spirit, and their productivity.



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