Xapo attributes a Bitcoin payments-and-governance argument to Hock in its May 2015 advisory announcement.This is a company-published attributed statement, not a standalone interview or a later project specification.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse