The Minutes of Bill Gurley on banking https://minutesof.com/bill-gurley/on/banking/ Everything Bill Gurley has said on banking: 5 verbatim quotes between July 2019 and October 2025, each with a timestamp and a link to the recording it… en Sun, 30 Aug 2026 16:22:02 +0000 Gurley notes Coinbase offers 4% daily interest on stablecoin balances without deposit requirements. https://minutesof.com/q/b6e1150f-05ee-4c6e-9c31-ad78da1dee4d/ https://minutesof.com/q/b6e1150f-05ee-4c6e-9c31-ad78da1dee4d/ “Here, whether it's $10 or or a million bucks, you know, you put it in stable coin with Coinbase and you start earning 4% daily.” — BG2 Pod Tue, 14 Oct 2025 23:40:02 +0000 banking Gurley says vast majority of IPOs concentrated in four or five firms, suggests need for banks dedicated to sma https://minutesof.com/q/f75bb273-65b5-4aec-b915-c3fb1cdb951a/ https://minutesof.com/q/f75bb273-65b5-4aec-b915-c3fb1cdb951a/ “I found some data which we can put up, like the vast majority of IPOs are being underwritten by like four or five firms.” — BG2 Pod Thu, 18 Apr 2024 17:23:12 +0000 banking Gurley argues banks advise 30x oversubscription, contradicting four hundred years of economic principles on su https://minutesof.com/q/29524cfe-9553-4ffa-aff6-5ee750cc987f/ https://minutesof.com/q/29524cfe-9553-4ffa-aff6-5ee750cc987f/ “And no one, no one in four hundred years of economics would suggest that the best practice would be to have a 30 x supply demand imbalance.” — Bloomberg Tech Sat, 06 Feb 2021 00:47:45 +0000 banking Gurley criticizes banks for maintaining slow ACH settlement times for thirty years to protect themselves. https://minutesof.com/q/87019b5c-0c00-48a3-aa4c-2115d91aa67f/ https://minutesof.com/q/87019b5c-0c00-48a3-aa4c-2115d91aa67f/ “I these banks made a huge mistake, which is they've sat on their hands with ACH for thirty years, and they did it for all the wrong reasons.” — Invest Like the Best Tue, 02 Jul 2019 09:30:00 +0000 banking Gurley argues banks deliberately kept ACH slow for thirty years to protect themselves while other countries ma https://minutesof.com/q/66426ce5-8d56-41e5-8cf2-587d18f73f4d/ https://minutesof.com/q/66426ce5-8d56-41e5-8cf2-587d18f73f4d/ “They did it to protect themselves, like, three days to settle a transaction. There are other countries that just mandated UK faster payments.” — Invest Like the Best Tue, 02 Jul 2019 09:30:00 +0000 banking