108 - The First Bitcoin-Native HSA: Stu Lackey on Sound Money for Healthcare
Build With BitcoinIn this episode, Stu Lackey, CEO and co-founder of Sound HSA, explains how Bitcoin can live inside a Health Savings Account — not as an ETF, but as actual bitcoin in a self-directed, tax-advantaged HSA.
Stu covers why HSAs are one of the strongest vehicles in the U.S. tax code and why pairing them with bitcoin’s fixed supply fits rising healthcare costs. He walks through how SOUND HSA works: cash in, buy real bitcoin, multi-sig custody, an IRS-designated trustee, and the path from idea to live product. You’ll also hear the founder story — two decades in health-tech, the balance-sheet moment that crystallized the idea, partnerships, and building a compliant product on existing HSA rails.
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Chapters
00:00 Introduction to Stu Lackey and Sound HSA
02:10 Stu's background in healthcare and discovery of Bitcoin
04:00 What is an HSA and its benefits
06:48 The vision for integrating Bitcoin into HSAs
09:58 Market opportunity and initial conviction
16:48 How the Sound HSA product works step-by-step
20:00 Custody, partnerships, and security measures
25:00 Business model, monetization, and fundraising journey
28:59 Use of funds and growth strategy
32:04 Bitcoin treasury management and long-term vision
35:49 Go-to-market strategy and customer acquisition
40:01 Innovative features like move-to-earn and wellness programs
43:12 Advice for newcomers and industry outlook
52:04 Getting involved and final thoughts
Resources:
Build With Bitcoin:
https://www.buildwithbitcoin.xyz/https://x.com/BuildwBitcoin
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❗ DISCLAIMER: This show is for entertainment purposes only. Before making any decisions consult a professional.