Don’t F With The Money

Alexander Campbell · Campbell Ramble · February 15, 2026 at 22:29 · ⏱ 27 min read  | Read on Substack ↗
Summary
The article argues that SBF's claim that FTX was 'money good' is a fraud designed to secure a pardon, using detailed balance-sheet analysis to show a $12.1B hole in customer funds. The piece concludes that the rehabilitation narrative is a coordinated family operation and that two-tiered justice erodes rule of law, though it offers no market-directional trades or asset-level calls.
  • FTX had $3.4B in realizable assets against $16B customer liabilities once Alameda’s $14B IOU (worthless) is stripped out — a $12.6B hole.
  • Alameda’s $18.5B book value included $5.9B in self-created FTT tokens and $4.1B in uncollectible insider loans; realizable assets were ~$5.5B vs $17B liabilities.
  • SBF messaged an '$8.1B shortfall' on November 7, 2022, the day before halting withdrawals — direct admission of insolvency.
  • Creditors receiving 118% after bankruptcy does not prove solvency; it reflects asset recovery over 2+ years in a bull market (Solana from $10 to $180+, Bitcoin tripling) plus clawbacks and the Anthropic stake windfall.
  • The Chapsky declaration (claiming net positive Alameda balance) is rebutted by Caroline Ellison’s sworn testimony that Alameda couldn’t pay, seven fake balance sheets, and the withdrawal halt.
  • Joseph Bankman (Stanford tax professor) designed a scheme to funnel $10M from Alameda to himself tax-free via a 'gift' structured as a loan, and researched bankruptcy-remote asset protection a year before the collapse.
  • Barbara Fried co-ran Mind the Gap PAC, directing straw donations; Nishad Singh and Ryan Salame pled guilty to identical conduct.
  • The article contrasts SBF’s 25-year sentence for $12B fraud with Curtis Wilkerson’s 25-to-life for stealing $2.50 socks, arguing two-tiered justice erodes rule of law.
Read time 27 min
Length 27,839 chars
Category finance
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