<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1"><url><loc>https://www.backoftheenvelope.xyz/archive</loc><changefreq>daily</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/about</loc><changefreq>weekly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/on-my-mind-costs-of-replication</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/on-my-mind-startups-that-look-like</loc><lastmod>2026-03-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/on-my-mind-exposure-to-private-assets</loc><lastmod>2026-03-03</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/on-my-mind-crypto-m-and-a-why-blank</loc><lastmod>2026-02-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/27-pieces-of-advice-for-my-younger</loc><lastmod>2026-01-21</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/avoiding-unforced-errors</loc><lastmod>2026-01-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/my-2025-crypto-trends-report</loc><lastmod>2025-11-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/the-real-alt-season-is-in-crypto</loc><lastmod>2025-10-07</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/an-update-on-robinhood-6-months-later</loc><lastmod>2025-07-02</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/vibe-coding-platforms-are-ai-native</loc><lastmod>2025-06-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/how-to-pick-a-vc</loc><lastmod>2025-05-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/whats-happening-at-reddit</loc><lastmod>2025-02-04</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/reflections-on-the-state-of-crypto-165</loc><lastmod>2025-01-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/whats-happening-at-robinhood</loc><lastmod>2024-12-27</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/will-it-increase-productivity-a-lens</loc><lastmod>2024-11-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/whats-happening-at-coinbase</loc><lastmod>2024-10-19</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/what-credit-card-networks-can-teach</loc><lastmod>2024-09-18</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/why-an-interoperable-internet-is</loc><lastmod>2024-09-17</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/scenic-routes-in-ride-shares</loc><lastmod>2024-09-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/early-stage-vc-is-an-idea-marketplace</loc><lastmod>2024-09-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/ray-dalio-and-the-mcnuggets</loc><lastmod>2024-07-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/spending-time-in-small-towns</loc><lastmod>2024-07-05</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/how-to-build-a-pitch-deck</loc><lastmod>2024-06-25</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/more-gardens-please</loc><lastmod>2024-06-22</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/reflections-on-the-state-of-crypto</loc><lastmod>2024-06-19</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/ai-models-with-taste</loc><lastmod>2024-05-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/new-opportunities-in-the-farcaster</loc><lastmod>2024-02-12</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/how-to-find-information</loc><lastmod>2024-10-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/running-the-math-on-micropayments</loc><lastmod>2024-04-14</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/how-to-retain-top-talent</loc><lastmod>2024-01-04</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/what-onchain-apps-enable</loc><lastmod>2023-12-03</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/reading-two-books-at-once</loc><lastmod>2023-10-31</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/writing-down-the-non-obvious</loc><lastmod>2023-10-27</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/a-wiki-page-a-day</loc><lastmod>2023-06-29</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/two-years-in-boston</loc><lastmod>2023-06-23</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/blackbird-makes-me-more-excited-to</loc><lastmod>2023-05-26</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/secret-cities</loc><lastmod>2023-02-06</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/cross-chain-order-flow-auctions</loc><lastmod>2023-02-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/nfts-as-affiliate-links</loc><lastmod>2023-02-15</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/write-what-you-want-to-read</loc><lastmod>2023-02-14</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/when-to-launch-a-token</loc><lastmod>2023-02-13</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/impressions-from-the-bay-area</loc><lastmod>2023-02-13</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/designing-governance-tokens</loc><lastmod>2023-02-12</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/joining-variant</loc><lastmod>2023-02-12</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/public-goods-in-crypto</loc><lastmod>2023-02-11</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/things-i-think-about</loc><lastmod>2023-02-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/block-locked-tokens</loc><lastmod>2023-02-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/dynamic-delegation</loc><lastmod>2023-02-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/blockchains-are-roads-wallets-are</loc><lastmod>2023-02-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/my-always-theses</loc><lastmod>2023-02-10</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/exclusion-is-a-powerful-feeling</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/onboarding-in-crypto-with-cash-vs</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/10-analogies-for-understanding-concepts</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/bowie-bonds-as-early-creator-tokens</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/what-are-central-bank-digital-currencies</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/is-there-a-dunbars-number-for-crypto</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/axie-infinity-as-a-mechanism-for</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/is-test-prep-ripe-for-disruption</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/the-expanding-markets-enabled-by</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/why-market-sizing</loc><lastmod>2021-05-24</lastmod><changefreq>monthly</changefreq></url><url><loc>https://www.backoftheenvelope.xyz/p/coming-soon</loc><lastmod>2023-02-08</lastmod><changefreq>monthly</changefreq></url></urlset>