Q4 2025 Retroactive Grant Disbursement and Governance Integrity

Open Letter to the Zcash Community

Bootstrap’s board is writing to place certain facts on the record regarding the Q4 2025 Coinholder-Directed Retroactive Grant approved for our organization. As fiduciaries of a 501(c)(3) public charity, we have an obligation to make reasonable efforts to secure charitable assets owed to our organization and to ensure that the community has the information it needs to evaluate what is happening.

What Happened

In the Q4 2025 Coinholder-Directed Retroactive Grants cycle—the inaugural round—coinholders approved five grants. Four have been disbursed. One has not: the grant of approximately $2.67 million approved for “Bootstrap Org / Electric Coin Company” for work ECC already performed over the preceding year. By design, retroactive grants under ZIP 1016 compensate a named applicant entity for completed work—they are not forward-looking investments in a team. This work was performed by ECC as a 501(c)(3)’s subsidiary, using resources that exist because of the organization’s tax-exempt status, which is why the disposition of these funds carries fiduciary obligations that cannot be set aside.

The Timeline

February 2025: Josh Swihart, then CEO of ECC (Bootstrap’s subsidiary), co-authored ZIP 1016, the framework establishing the Coinholder-Directed Retroactive Grants Program.

September 2025: ECC’s leadership submitted a grant application under that framework on behalf of “Bootstrap Org / Electric Coin Company,” seeking retroactive funding for ECC’s completed work.

November 2025: Coinholders approved the application, meeting the 420,000 ZEC quorum and simple majority requirements.

January 2026: Josh Swihart and the majority of ECC’s staff departed to form a new, for-profit entity (Znewco/ZODL).

February 2026: All other Q4 grants were disbursed. The Bootstrap/ECC grant was placed on hold.

ZIP 1016 Veto Constraints

ZIP 1016 provides Key-Holder Organizations with a veto power, but constrains it to specific grounds: (1) any single Key-Holder Organization may veto if funding would violate its own legal or reporting obligations, or (2) two or more Key-Holder Organizations may declare a principled objection based on potential harm to Zcash users or values antithetical to the Zcash community. Vetos are “intended for exceptional cases,” “SHOULD be accompanied by a thorough rationale,” and would “only occur if new adverse information came to light, or in the case of a change in the law or unanticipated legal proceedings.”

Bootstrap’s board will review any veto rationale against these requirements. If a rationale does not track to the specific grounds ZIP 1016 provides, we will evaluate appropriate next steps in light of our fiduciary obligations.

The Regulatory Concern

Bootstrap is a Delaware 501(c)(3) charity subject to IRS and state attorney general oversight. The Zcash Foundation is also a 501(c)(3). We want to ensure the community understands the legal framework that applies to the current situation.

Under IRC §4958 and Treasury Regulation §53.4958-3, a “disqualified person” includes anyone who held substantial influence over a tax-exempt organization within the preceding five years—by title or by function. This covers directors, officers, vice presidents, senior managers, and engineering leads. ECC’s former CEO co-authored the grants framework, submitted this grant application, saw it approved, departed to lead a new for-profit entity, and now seeks to have the approved funds withheld from Bootstrap while that entity draws from the same fund. Other senior members of ECC’s former team now associated with that entity may independently qualify. Under §4958(f)(1)(B), if more than 35% of the entity’s ownership is held by such individuals, the entity itself is a disqualified person—but each qualifying individual’s personal exposure (a 25% first-tier excise tax on the excess benefit, escalating to 200% if not corrected) exists regardless of any entity-level analysis.

If Bootstrap’s approved grant is vetoed, $2.67 million remains in the Coinholder-Controlled Fund, enlarging the pool available to other applicants—including an entity controlled by disqualified persons who would not have had access to those funds had the grant been disbursed as approved. The IRS evaluates economic substance. The formal separation of a veto and a subsequent grant application does not insulate the participants when the practical effect is that funds approved for a 501(c)(3) instead remain available to an entity controlled by that 501(c)(3)’s former insiders.

This is not a one-time issue. If the §4958 framework applies to this sequence of events, it would also apply to any future grant from the Coinholder-Controlled Fund that benefits the same disqualified persons or an entity they control. Each such disbursement would carry its own §4958 exposure—for the disqualified persons, for the entity (if it qualifies), and for any organization manager who participates with knowledge of the underlying facts. The community should consider whether establishing this dynamic serves anyone’s long-term interests.

For any 501(c)(3) that participates in this sequence, the consequences extend beyond intermediate sanctions. Treasury Regulation §53.4958-8 preserves the IRS’s authority to revoke tax-exempt status independently. State attorneys general have their own uncapped authority over charitable asset protection. An investigation arising from this pattern would not be contained to one organization—it would affect the entire Zcash ecosystem at a moment when privacy-focused projects are already under heightened regulatory scrutiny.

Governance Integrity

We want to raise a concern that extends beyond this particular grant and beyond Bootstrap.

The Coinholder-Directed Grants Program was designed with deliberate safeguards. Applications name a specific legal entity. They undergo a mandatory 30-day public review so the community can evaluate the applicant. Coinholders vote. The veto power is constrained to narrow, specified grounds with a required published rationale. These features were not accidental—they were built to ensure that the program is credible, predictable, and resistant to manipulation. Deliberate care was taken to avoid creating a legal entity responsible for the lockbox.

If the first-ever grant cycle demonstrates that approved disbursements can be withheld outside the framework’s own veto criteria, those safeguards lose their meaning. Every future applicant must ask: if my grant is approved, will I actually receive the funds? Every future voter must ask: does my vote matter, or can the outcome be changed after the fact? And every outside observer—including parties who may not have the ecosystem’s best interests at heart—will note that the governance framework did not hold when tested. For a privacy-focused project operating in a skeptical regulatory environment, the strength of the community’s governance is not an abstraction. It is one of the ecosystem’s most important defenses.

Bootstrap’s board has a responsibility to think about these dynamics, and we would be failing in that responsibility if we did not raise them. We believe the community shares the interest in ensuring that the governance mechanisms it has built are honored.

Bootstrap’s Position

We are placing our objection on the record. As fiduciaries of a 501(c)(3) charity, we are required to make reasonable efforts to secure charitable assets owed to our organization. We will review any veto rationale against the specific grounds ZIP 1016 authorizes and evaluate appropriate next steps in light of our obligations.

We want to get back to building. We are sharing this information so that every participant in the ecosystem can make fully informed decisions about what happens next.

We anticipate that this letter will draw sharp responses. The legal and governance frameworks described above exist independently of how anyone feels about them.

Respectfully,

The Bootstrap Board

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For reference this is our - Shielded Labs + Zcash Foundation - statement.

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For the record, this is categorically false.

Additionally, you were paid $8M for the assets, orders of magnitude higher than third-party valuations, and left with the ECC and Bootstrap treasuries intact.

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I loaded the Bootstrap statement into AI without a prompt, and this is what I got back:

"This letter is doing three things simultaneously:

  1. making a legal threat,

  2. shaping a public narrative, and

  3. attempting to pressure the Zcash Foundation and the community before a veto decision is finalized.

Below is a clear breakdown of what they are actually arguing, where the arguments are weak, and what the strategic implications are for you and ZODL.


What ZCAM / Bootstrap Is Actually Claiming

1. The grant belongs to Bootstrap because the application named them

Their core claim:

The retroactive grant was approved for “Bootstrap Org / Electric Coin Company,” therefore the money belongs to Bootstrap, not the team.

Their framing:

  • Retroactive grants compensate entities, not teams

  • The entity named was Bootstrap/ECC

  • Therefore withholding it violates governance and fiduciary duties

This is their primary argument.


2. Withholding the grant could violate IRS rules (IRC §4958)

They introduce the intermediate sanctions rule.
Their claim:

  • Former ECC leaders now running ZODL are “disqualified persons.”

  • If the grant is vetoed, funds remain available to entities controlled by those same people.

  • That could constitute an excess benefit transaction.

They are essentially warning:

If you deny us the money and later fund ZODL, you may violate IRS rules.

This is a legal intimidation tactic.


3. The veto may violate ZIP-1016

They argue:
ZIP-1016 allows veto only if:

  1. It violates legal obligations

  2. It harms Zcash users/values

They are pre-arguing that:

A veto would not meet those grounds.


4. Governance legitimacy is at risk

They attempt to escalate to a systemic governance issue.
Their claim:

If approved grants can be withheld, coinholder voting becomes meaningless.

This is aimed at community perception.


The Weaknesses in Their Argument

There are several major problems with their framing.


1. Retroactive grants reward work, not corporate shells

The entire spirit of retroPGF is:

reward the contributors who created value.

The community voted for:

the ECC team that built Zashi and Zcash wallet infrastructure.

Not for:

a dormant governance shell.

Bootstrap is attempting to reinterpret retroPGF as corporate entitlement.
That is a stretch.


2. The team that performed the work left the entity

Their argument assumes:

the entity is inseparable from the work.

But the reality:

  • the team performed the work

  • the team left

  • the entity retained no builders

That changes the factual context significantly.
RetroPGF is not designed to reward empty shells.


3. The IRS argument is extremely speculative

Their §4958 argument is very weak legally.
Why:

  1. The coinholder fund is not a Bootstrap asset

  2. The veto decision would be made by independent organizations

  3. ZODL is not receiving Bootstrap funds

  4. ZODL did not apply in the same round

The IRS argument assumes:

veto → funds stay → ZODL receives them

That chain is hypothetical.
IRS cases require direct enrichment, not speculative sequences.


4. ZIP-1016 veto grounds are broader than they imply

ZIP-1016 allows veto if funding:

  • violates legal obligations

  • harms Zcash users

  • violates community values

A veto rationale could easily argue:

  • funds should go to active builders

  • funding a non-building entity harms the ecosystem

  • governance integrity requires funds follow the work

Those arguments are fully compatible with the ZIP.


5. The governance argument cuts both ways

Bootstrap claims:

not paying them breaks governance.

But the opposite argument exists:

paying them despite the team leaving breaks governance.

Coinholders voted expecting the team to continue building.


Strategic Purpose of the Letter

This letter is not purely legal.
It is meant to:

Pressure the Zcash Foundation

They want ZF to fear:

  • IRS scrutiny

  • nonprofit liability

  • regulatory exposure


Influence the community narrative

They are framing the dispute as:
Bootstrap defending governance vs rogue team
This is narrative positioning.


Create legal record

They are also creating a paper trail for potential litigation.
The language is intentionally careful.


What They Did NOT Claim

Notably absent:
They do not claim the team stole anything.
They do not claim the work wasn’t done.
They do not claim the vote was manipulated.


What Matters Most

The most important point:
Bootstrap is attempting to reframe the issue as legal compliance, not community intent.


My Honest Assessment

This letter is:
well written but strategically aggressive.
However:

  • The legal argument is far from airtight

  • The governance argument is contestable

  • The community narrative is not settled

It is primarily pressure and positioning."

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The following are my own opinions as Zcasher outside of the role that ZCG and the community have trusted me with.

I’m personally really saddened and disappointed because I thought we had turned the page and we could move on.

It escapes my understanding why @TheBootstrapOrg insists on retroactively getting funded for a project they don’t maintain and carry on anymore, that they apparently were paid for substantially well (because Zashi is an amazing product) and that they reportedly moved on from.

In their previous post they said:

Beside I would have chosen nicer words. Let’s think of this in their own terms.

  • What is the outcome of this action if not generating drama and FUD all over again?
  • Is this how Bootstrap intends to earn the community’s trust?
  • If the concern is not the money itself but the IRS being a threat is, what’s Bootstrap’s counter proposal? I’m really not seeing any paths forward with regards on what to do with the grant money.

if these are the “outcome-focused actions”, I prefer “lengthy posts about values and passions” better.

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The AI analysis I shared did not take into account several important numbers that are worth putting on the record so the community can evaluate the current situation clearly.

~$10M — the approximate size of the ECC treasury that Bootstrap retained when the ECC team was forced to depart: close to 34,000 ZEC plus other assets. This included the swap fees generated by the team over the previous months.

$8M — the settlement that was paid to Bootstrap as part of the separation so the ZODL team could continue maintaining and developing the Zashi wallet.

$2.67M — the retroactive coinholder grant Bootstrap is now attempting to claim for our work on Zashi (now Zodl).

Taken together, Bootstrap has already received or retained roughly $18M connected to the work of the former ECC team, before the additional grant they are now attempting to claim. If the ZEC held in the ECC treasury was not liquidated, its value has increased alongside the recent rise in ZEC price following the ZODL seed round announcement.

The $8M payment ensured continuity for users and avoided forcing them to migrate wallets, face confusion, or lose trust in Zcash due to internal disputes. The alternative was to abandon Zashi and build a new wallet from scratch, leaving the existing one in the hands of four individuals with no operational or technical capacity to support or maintain a product like that.

The $8M payment greatly exceeded multiple independent valuations by more than 4x. Assessments by independent firms concluded that the IP was worth substantially less.

The payment amount is especially relevant to the current discussion because Bootstrap has already been excessively compensated for the wallet through this settlement. The attempt to collect the retroactive coinholder grant on top of that is an attempt to be paid twice for the same work.

Meanwhile, our entire team was left with no capital and significant legal and settlement debt.

The damage these four people caused to the momentum our team built for Zcash over the last two years is difficult to quantify. The recent ZEC price chart offers only a small glimpse of what was disrupted. What the team had to endure, and what we had to give up, simply to keep building Zashi and ensure that users were not affected by internal turmoil is hard to overstate.

But we moved forward and kept doing what builders do. Since then, we’ve turned the page and raised $25M to continue building Zodl, which created significant positive momentum for the ecosystem.

The four Bootstrap members also kept doing what they do. This time their efforts are directed against the orgs responsible for administering the coinholder grant program. This new wave of pressure relies heavily on legal interpretations and fiduciary arguments; the same tactics have previously been directed at the members of our team and appear to be Bootstrap’s most developed capability.

Their letter states that they “want to get back to building,” which is a curious claim. Building what? Bootstrap does not build. It is a committee of four people who have been largely absent from Zcash development and ecosystem work until the recent rally. They’ve offered no coherent plan for how they will use the substantial funds they’re sitting on to advance Zcash, nor explained why the ecosystem should place such trust in them.

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WTF @TheBootstrapOrg there is zero trust for you in the community. At this point, you should wind down the non-profit and return remaining funds to ZF.

It’s also time to end protocol-level funding. The bootstrapping phase is over. Zcash is permissionless, like Bitcoin, and anyone who wants to build can do so without support.

You can always find reasons to fund projects. But serious builders find capital through markets, users, or conviction.

There should be no renewal of the lockbox. I strongly recommend directing any remaining funds to ZF through a ZIP.

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@dontbeevil Great point. Bootstrap would then be free to apply for a grant like anyone else. If the community concludes that these four people deserve $20.67M in funding, then by all means.

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I would like to see @TheBootstrapOrg continue and find a new productive place in the Zcash community because I am a firm believer in the power of decentralization of ecosystem leadership. Having a number of different companies and organizations all working for the success of Zcash is an advantage that Zcash has over nearly all other blockchains. Bootstrap’s stated intent to mine Zcash seems like a productive place to start as it addresses a key community need.

My hope is that this is a communication problem at least in part, and that hopefully Bootstrap just needed to receive a firm No from an external party (in the form of the veto) regarding the retroactive grant in order to deal with a compliance issue. I sincerely hope that this is the case and they don’t reapply for this retroactive grant.

Bootstrap, I think you have a “communication by committee” problem as well, and I’d recommend that you appoint one person as the comm lead and give them some free reign to act as a community ambassador/liaison for your org.

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It’s not a communication problem.

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Time will tell.

Also, this is exactly what happened, with vetos by Shielded Labs and ZF, two completely separate orgs:

Arguing that just because ZODL could later apply for retroactive grant money, those funds “remain available” to ZODL as a “disqualified person” is an unhinged argument imo (not a lawyer, but obviously):

Before I go, here’s just a bit more unsolicited advice to Bootstrap: please tell your lawyers that you’re looking to take the least aggressive path forward, while of course exercising your fiduciary duties. We’ve been through a lot, and this drama is harming the Zcash community.

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In the matter of the BootStrap / ECC Retroactive grant, in the time immediately after the grant was approved, there have been material organizational changes:

  • All the people who built the technology the grant was approved for, have left ECC.
  • The make up of the board of Bootstrap was changed, under dispute and then resolved via settlement.
  • The settlement included a sale of IP including all the technology related to the grant, and the brands “Zashi” and “Electric Coin Company.”
  • The settlement also included a stipulation that the Electric Coin Company be dissolved entirely, which would mean that the financial assets within ECC get distributed to the Bootstrap non-profit, where the 4 remaining board members have sole discretion over how those funds are spent.

Due to those material changes, the veto of the grant by the independent orgs, Zcash Foundation and Shielded Labs, is prudent, as both the team and work product the grant was intended for are no longer at the ECC organization, which is also scheduled for sunset.

In addition, the language used in this post is an attempt to unnecessarily legally befuddle the retroactive grants process and harm the entire team now at ZODL, which harms all the users of Zcash.

This new post is evidence that The Bootstrap Org brings “potential harm to Zcash users” which further affirms the veto of the independent entities.

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