Tokenization Just STARTED — And XRP Is At The Center Of It

Hey, what's up? It is Kamilah Stevenson, and around here we do talk wealth, and we're gonna do it again today. I have something that I want to share that I think is going to bring, uh, much pleasure to anyone who is holding XRP or considering holding XRP or other cryptocurrencies. And after this, I'm going to go in with my members and we're going to rock and roll, and I'm going to share with them a new position I just opened up and what made me do that, right? Um, I'm also going to share a position that I'm up. Let's see, this weekend it was 113% and now it's at 128%. This is my by far best performing cryptocurrency, uh, in the last 2 months. I think I purchased it in March. So I'm going to explain what that is and share a little bit of insight there. What's going on from Hawaii? What's up? All the way from Seattle. What's going on? Thank you, Dwayne. I saw the good Mother's Day shout out. And yeah, we helped out, um, with— we gave $300 to, uh, Miss Anne, and I hope that she enjoyed her Mother's Day. Uh, we wanted to be a blessing, and, um, I appreciate everybody who gave that day and just sold. Um, regardless, you— some of you guys were giving super chats in, and, uh, 68J uh, went ahead and gave an extra $100 to Miss Anne. So I sent that to her right away, and I know she got it because I got the little heart. So I wanted to make sure it got to her. What's going on? Just looking at the chats. What's up? Hey y'all, we're gonna talk about something good. What's up at 744? What's going on? I see you in the place. And, um, I get— I've gotten a lot of questions about tokenization. So, uh, some people still are a little confused, so I'm going to slow down and I'm gonna make it make sense. And if it don't make sense tonight, um, I'll just try more. I, you know, sometimes I say I don't know what to tell you, but I'll keep trying, right? Because at the end of the day, I do want you to understand how this all works, how this world works, and the reset and the transition that is happening as we move forward. And listen, if you understand it better, you can get in where you fit in. And all the FUD and everything in between is just a lack of understanding. But if you could just see the bigger picture have a good time horizon, I can guarantee you, you will produce generational wealth. What's up? I see you, Quint— Quincy Claiborne. What's up, Purple Rain? I see you guys. Finally caught a live, Gemini. I'm happy you're here from Australia. What's up? I see you guys. Go ahead and like the video, share it, uh, because there's a lot of people who need to understand what's happening. Most people have no clue what's going on. Uh, Virginia, I see you in the house. Um, live from RDU Airport. What's going on? How about Ando? I'm liking Ando, right? Um, so I'll I'll share a little bit on that as well. Um, can you break down about XRP's part of DTCC? Well, they're gonna, uh, use the back end. All— I did a whole video on that. I could go into detail on it right now, but it would take a little bit of time to kind of break it down. But that is something that I'll come back and do. But I did do a whole video on, uh, helping you to understand the importance of, um, how DTCC helps with, um— all of this boils back to tokenization, you know, and the market cap, the— in which the, the market market cap that people think exists today is not going to exist tomorrow, right? So, and I'll explain that as well. I mean, I think you're gonna make— I think it's gonna make sense to you. You have to start at understanding tokenization before we get into all of this other stuff. And I think that's where the breakdown comes, is because people don't understand the impact of what tokenization is going to do, uh, for cryptocurrency at large. All right, and so, praying for SHX. Yes, me too. Um, aren't they using Kent Network? Uh, which, uh, DTCC, or, um, are you— which network are you talking about? I see a couple of, um, questions about Ondo. I'll talk a little bit about Ondo since you guys are asking, right? Hey, soon-to-be coach, what's going on? All right, what's up from, uh, Charlotte is in the house. Like the video and, um, and share it. Hey, Kamilah Stevenson, I have to say you're very sweet and nice in person. Met you. Oh, what's up, what's up, what's up? Thank you so much, I appreciate that. Uh, try to stay real to who I am. If you meet me in person, you're gonna meet the same person that you see on here, right? And I promise you it's not AI. What a time to be alive. You couldn't have said it any better. Listen guys, I'm going to get into it because I want you guys to understand, and I promise you I hear your concerns, I hear your cry, um, on just trying to understand this. You have a lot of questions. I see questions about DTCC. I've done videos, but sometimes the videos, you know, it's one of those things that you keep listening to information and you get a little bit here, a little bit there. Sometimes it clicks, sometimes it don't. But if we can just lay a solid foundation for you to understand the value of XRP, that's what I try to do. And so I am going to continue, um, to try to give that information so you guys can know exactly what's happening. I do Um, I do. Yeah, my back is doing much better, E2 UK. Thank you for asking, I appreciate that. Um, I, I do. Tell us more about your meeting with the Ripple team in Vegas. I'm actually doing, um, I'm actually doing a, um, I'm speaking at a conference for Ripple in Norway, in Norway, later on this year. Uh, well, mid-year. And, um, and so I've already been in connection with them, and, uh, they have a wonderful team, by the way. Oh, so amazing. So such amazing people. Oh my goodness. Um, and so, so lighthearted and just so family-oriented. And I've been in contact with some of the administrative, um, staff, uh, for Ripple, just going to speak at a conference. I'm going to try to get there, okay, as best as I can. Um, if I don't get there, I'll do it online, but I am trying to get there. So my daughter's birthday is very close to the date, and so we're trying to work it out, but I love them so much. I want to be there. So, um, I see some of you all do not like Ken. All right, I'm gonna get into it. What's up, Diane? First time checking in. I'm happy you are here. And you guys will learn a lot because I do try to figure out the best way that I can explain things to you. Sometimes when you know things, it doesn't mean you can explain it well in the way that people understand it the way you understand it. And so I try to do my best with breaking it down so you can at least comprehend why, um, this market is going to be so valuable in, in the days ahead, and specifically XRP. But there'll be others, uh, there'll be Ondo, and, and, um, you know, people love Solana and Ethereum, and, you know, I mean, they have their differences. I, I will explain to you a little bit about that, but you got to know what utility or use case scenario these coins are, are participating in, and is there institutional adoption? I'm going to go in deeper with my membership, like I said, and, um, talk about specific— a specific one that I haven't talked about. So again, if you're not a member, go ahead and join. It's only $2.99 a month, um, $3.99 for iPhone users. It's a— they charge a little bit more. I don't, um, I don't know why, but they do. Um, so, but I do want you to understand, and I'm going to give you a foundation right? Um, a huge foundation. Thank you so much, I appreciate that. Um, and so, uh, with the reset, will we be able to make purchase with crypto? Uh, yeah, you'll be able to purchase crypto. And but, but the key is, guys, we want to get a good position now because once certainty arrives for everybody else, once the headlines, once, you know, everything starts rolling in, uh, people are going to be FOMOing in. This is the time to get in. A lot of analysts are saying that, uh, we are at the bottom To me, it doesn't mean that you can't wick down, and it doesn't mean that it's not going to go lower. And you still have the reverse carry trade that we're trying to see, uh, what that— what will happen with that. So to me, I don't know if we continue to accumulate at this, uh, rate and, um, and then go higher, or if we go higher, come back down, and then, you know, retract and then go up, or if we do hit another wick down and fall off the cliff and then go back up, which I'm hoping. Um, so We'll see what happens. However, we do have to, um, that is awesome, get, um, hubby to invest in XRP, uh, in IRA account. Yes. And I'm gonna— and this is, this is gonna be important to understand why you have to structure things the way you need to. So let me go ahead and, um, and— oh, Steven, thank you so much. Um, is the Ripple team appreciates your educational work for the community as, um, as much as we are? Thanks a lot for that. I'm curious, uh, what they say about, uh, your beliefs. Um, Stephen, so, um, yes, and that's actually why they reached out to me, um, because they felt like, uh, the educational portion and what I have done to serve the community with understanding, you know, what, what, you know, XRP and its use case. And, uh, that, that's actually one of the reasons why they reached out. And they, they basically just said they appreciate, um, they follow what I'm doing and they just appreciate the, the education that I'm giving. Because it's one thing to give hype right? I, I, it's a lot of people giving hype. Oh, it's gonna go to the moon. It's going— and I'm not, I'm not saying it ain't, but it's another thing to slow it down and to really say, listen, I believe, I believe with all my heart, um, XRP is going to do very well in the future. Um, but as for you, I care about you, right? So this isn't just about me coming out here to hype you up, to get people to follow me, and, you know, clickbait and all of this other stuff. It's really to educate you on an asset that can produce generational wealth and provide freedom for you and your family and, and those around you, you know, so that, so that you can be a blessing, okay, to others. And I'm gonna get to the Super Chat, I see you. Um, so be educated, hold, you know, build your conviction, you know, and, and build a structure around your wealth, right, so that you don't lose it. Because yeah, you can make money. I can go, oh, you, you gonna get rich, everybody's gonna get rich. Yeah, we all gonna get rid Like, and then, you know, but what I do is I say, whoa, wait a minute though, because a lot of people have gotten rich, a lot of people have gotten resources, a lot of people have gotten money, right? A lot of people have done very well with cryptocurrency, but it doesn't mean that you're going to keep it. It doesn't mean that you're going to understand wealth preservation. It doesn't mean that you're going to have the skill set and the ability to grow it. It doesn't even mean that you have the personality who can handle large amounts of money, right? And so I come on here with a real holistic viewpoint because it is about you at the end of the day. And, um, these coins are going to do just fine. They're going to, you know, make people a lot of money, but it's about you and the persons whose hands this opportunity comes through, right? So I want to prepare you. I want to slow you down. I want to speed you up in some areas and then slow you down in other areas so that you don't blow an opportunity of a lifetime, right? Thank you so much, Roughnet. You are always such a blessing. Can you please tell me how cold wallets could possibly be hacked besides you just being ignorant enough, uh, to give them your keys? And, um, yeah, that's one of the ways is that they can be hacked is that you do, uh, give them your keys or your seed phrase, or you accidentally click on some, um, or you accidentally like move your, um stuff from your cold wallet into a, um, into the wrong address or something like that. Um, but I did do a compu— uh, computer— I did do a video on quantum computers and the possibility to be so powerful at some point where they can hack into your public address. Because remember, your public address is on the blockchain. If you've ever sent any crypto out of your wallet, it's transparent on the blockchain, which is not a problem because the whole, um, the whole setup on what protects your crypto is the fact that you cannot derive a private key from a public key. However, um, you can derive the public key from the private key, which is fine, right? However, a quantum computer— quantum computing And quantum computers, when we start getting into that, they are intelligent computers. They're not like these videos that you see where some guy in a mask is working on some laptop trying to hack something, and, you know, in 2 hours— it's— no, it's not that. It's totally on steroids type of hack situation, right? So they actually can derive your private key from your public key, which is the whole reason why crypto cold wallets are safe in the first place. So the only way to bypass that is through a, a process where you are safeguarding your— the ledger that your crypto— that you, um, that your crypto's on from, um, quantum computing, from quantum computers, right? And so Um, or you go through a migration process to make sure that the computer or the, the ledger is quantum-proof. Okay, every cryptocurrency, um, hopefully they got a plan in place for that because when Q-Day comes, and that's a day where these computers will be able to hack and do that, that the, the math backwards to be able to hack into your, uh, cold wallets. Hopefully the ledgers are updated and upgraded to where it's proof. And so you better make sure you're investing in a ledger that has been uniquely designed to either have something in place on the ledger itself, like the XRPL, or, uh, because you can go into the, the ledger, you can update into quantum-proof, um, keys, right? They have it designed in the ledger where you can automatically do that update. And I'm saying this because it— this matters to what you're going to, um, invest in. Ethereum and Bitcoin don't have that yet. Bitcoin has to come to a consensus first before they go into the quantum-proof. And after the consensus, their technology experts say it will take 7 years. Ripple has a 4-point plan that is going to help the ledger become protected and quantum-proof by 2028. The deadline that the government gave for it to be, um, quantum-proof is 2030. So Ripple is already going to be 2 years, uh, ahead of that schedule. So I believe that in the days ahead there is going to be a massive difference between the demand of certain ledgers that are quantum-proof. That is something that you had to have had in your mindset before even, like, developing things, right? But we know that Bitcoin was the testing, you know, beta testing. Same thing with Ethereum. Every network is going to have to have a plan for this, okay? And so, um, I, I I don't know what the other networks are doing, but what I do know what Ripple and his team is doing, right? And Brad's team is doing— the reason why is because they have the, the plan in place and they've already mapped it out, and part of it has already started. And then there's another phase in the second half of 2026, and then the other phases go into 2027 and 2028. And so, um, yeah, some people's, uh, the cold wallets could be under attack if Q day arrives quicker than we want. We don't know when that day happens. It could be 2028, 2030, 2032, 2036. I don't know. What I do know is they better have a plan in place, right? And Ripple does. All right, so, um, I wanted to answer that because that, that is important for all of you guys to look out for Q day. It is in the future, and it is a what, what you call a decade story, because think about it, 10 years from now, yeah, like, this stuff is going to exist. And, uh, I do— I would like to figure out Bitcoin, where's the consensus at? Come on, y'all, because it's going to take 7 years after that point, unless, uh, unless they said something wrong about the, um, the timing of this. But we'll see. Um, Decent is safe. Uh, I like Tangem as well. I have Decent and Tangem. Let me get into it. Go ahead and like the video, subscribe if you have not already. I have been getting a lot of questions on the Unified Ledger, which I talked about on Saturday, And, uh, I said, you know what, I will slow down and let everybody know what is tokenization. And if you stick with me to the end of this, I promise you, you will know what it is because I'm going to break it down in simple terms. Um, and even if you do know what it is, trust me, it'll still solidify you and it'll give you the ability when you continue to hear things. And we learn by repetition. You can explain it to other people more easily the more you understand it, right? So what's up from Idaho? Okay, so what I will say is I do wish that someone had to walk me through it the first time I heard it, because I had to learn for myself, right? I did. I was a lone wolf just learning about all of this stuff. Um, but again, by the time you, uh, we finish this, you're going to understand tokenization. Very simple. Uh, we're not going to drag it out or anything. We're going to just help you to understand why every major bank and government is building, uh, building it right now, and why XRP sits in the middle of that. Thank you so much, Dwayne. I appreciate this so much. You, you guys are always so kind Ryan, thank you so much for the Super Chat. And so, um, and I'll get to some more of the Super Chats, all right? So, um, let me just know, I'm just curious, do you guys know what— tell me yes if you know what tokenization is, tell me no if you just totally don't know what it is, and say fuzzy, fuzzy if you're in between. I'm a little fuzzy, right? Let me look and kind of gauge. What's up from Oklahoma? TNT, is XAMPP safe? Uh, it depends on safe for what? Safe for you know, us moving money to people. Yeah, I use it. I use it to pay workers. And, um, so I like it, right? Okay, fuzzy, no, I think I do, fuzzy, fuzzy. Okay, good. Yes, yes, Steven knows. Fuzzy, I just don't know. Fuzzy, yes, uh, no. Okay, so we got a little bit of in between. Okay, cool. So let's go through this. Uh, somebody said Q-Day. Let's go through this. Okay, good. No, ma'am. Okay. Perfect. Safer for Q-Day. Uh, yeah, safer for Q-Day for sure. Uh, fuzzy. Okay, perfect. All right, so now I know kind of where we are with everything. And thank you so much, uh, Roosevelt. You are so kind. Without structure and order, there is only chaos. Order is the first law of heaven. We appreciate with utmost gratitude the wisdom of our very own personal angel of God. Thank you so much. I appreciate this. You guys are so kind. You are so kind, Roosevelt. I love it, I love it. Um, all right, I see, uh, tokenize everything. Okay, I see. So we got in between, right? So let's go ahead, let's, let's dive into this really quickly so you can understand. I want to give you the simplest possible explanation first, and then we're going to build from there, right? So tokenization, um, so you can understand why you should invest in XRP. Tokenization— and I see that still the comments coming in, and I'll get to some more. I appreciate you guys even sharing this with me, right? So Tokenization is when you take something real, like a piece of property or a bond or an ounce of gold, and you create a digital version of it that lives on the blockchain. The digital version is called a token, and the token holds the same exact value as the real thing, okay? But unlike the real thing, the token can move very quickly. And when I say quickly, I'm talking about the speed of internet. And I use the speed of internet because you all understand what the speed of internet is, right? So picture this for a second, because I love stories and parables and images and all of that, because learning lesson for everybody: if you teach, people think in pictures and not words. Why do I say that? Well, red car— what goes through your mind? Red car, red car. A red car, right? Does R-E-D-C-A-R come through your mind? No, I don't think anybody thought R-E-D-C-A-R. I think they probably visualize a red car. We think in pictures, okay? So I have to give you a picture. Picture this with me for a second. You own a house, okay? A Ferrari. And I love that. I grew up looking at a red Ferrari uh, on my, uh, wall. Thank you so much, guys. Picture this for a second. You own a house. The house has a deed sitting in some kind of filing cabinet somewhere, somewhere where you like, you know, locked it up somewhere you can get to it. And that deed is a— is the legal proof that you own the house. Where's that deed at? Oh, it's in that drawer. Okay, good. You own it, and that's your proof that you own it. So if you ever want to sell the house, the deed has to physically move from your name into the buyer's name at some point. That is a process that takes weeks, right? Because you got to get lawyers involved, they got to draft, uh, the paperwork. Um, you got the title companies, they have to verify all kind of records. You got the banks, um, that have to process the funding. And remember, you got to go through notarizing. Okay, I got to meet with the notary person., and you got to have somebody witness it. Maybe you can go to FedEx or whatever and notarize it or whatever, but have somebody witness it. Whatever the case is, it is a process that takes time, and I've been through it a lot with real estate, okay? By the time everybody signs and, and everything has went through, you got weeks and even months that might have passed, and you gotta— you, you know, you paid a lot of money, thousands of dollars, um, in fees just to move the ownership of that piece of paper that's in your cabinet that never physically went anywhere, right? The ownership of, uh, well, the, the piece of paper went somewhere, but the actual property didn't go anywhere, okay? Ownership of a thing, real estate, that's never physically went anywhere, stayed in the same position, but the ownership has been transferred. But it took time, and it takes a lot of money, right? You got to pay for the title and all of this. It's a lot. Now, I had to paint that picture because we know what the real process looks like. That's not where people are confused, right? And it's happening in real time. I see it is happening in real time. I love it. Now imagine the same house, same house, haven't went nowhere, the same exact house, but instead of the paper deed sitting in a filing cabinet in your house somewhere, you have a digital token on a blockchain, and the token says you own this house. When you sell the token moves from your wallet to the buyer's wallet in seconds. The house itself has not physically moved anywhere. Again, only the ownership has, and the entire transaction settled in the time it takes to send a text message. They own the house now. Bam, it's done. You want— you, you bought it. Whatever that arrangement looks like where they pay or whatever for it they own the house. That token has just got transferred. That is tokenization. We put a real-world asset on a blockchain, okay? That is tokenization. Same value, same legal weight, completely different speed. Now let me pause for a second and say this so you can understand this too, and I'm gonna just add this part, right? Um, I was looking at some— okay. When you tokenize a house on a blockchain, it can show up two different ways, okay? One way is an NFT, which, which stands for, um, NFT if you don't, don't know. And we've all dealt with NFTs before. It stands for non-fungible token, okay? Non-fungible just means one of a kind, okay? So it's just one token that represents the entire house, and it's one of a kind, just like the deed that you had. It has your name on it. It represents this house. No, nobody has this exact deed. This is your deed to this house, the address on it, whatever. It's only one of it. Okay. So there is one token that can represent, and it's called a non-fungible token. And maybe you find a buyer that wants the entire property. So you just transfer that one token and it's done. They, they have, I want the whole property. Boom, it's done. There's another way that you can tokenize. The other way is called fungible, and fungible just means interchangeable, right? So that just means that, like Bitcoin, like if you get one Bitcoin, you know how it's broken up and it's fractionalized. So that house can be broken up in piece— in tokens, right? So instead of one token for the house, say the house is worth $500,000 and you have 500,000 in identical tokens that represent that house. And now the house is fractionalized. So somebody who don't have a half a million who can buy the whole house, they can break it up and they can say, I want to get 100,000 tokens. So now they own 20% of that house, just like you can own 50% of Bitcoin, 20% of one Bitcoin. Okay, it's fractionalized. Okay, and where it gets interesting is that because those tokens live on the ledger, um, they can take that 20% and they can swap it for something else of value, right? So maybe it's— I want to swap it for stablecoins, maybe it's another asset, maybe use it towards a down payment somewhere else or whatever. It can be swapped for whatever. Maybe it's because you're using it at the grocery store, I don't know. But if real-world assets live on like stocks and commodities and everything lives on the blockchain, you can swap it. So again, there's two different ways you can do it. You can have one token that just represents the whole thing, and if somebody want to buy the whole house, that's fine. That is, uh, NFT, non-fungible, which means it's its own, it's nothing like it, it's only, it's by in and of itself. Or you can break it up and fractionalize it in tokens, and you can sell 20% to this person, or you can, somebody else might take another 20, you can sell it to 5 different people. Okay, now they own a fraction, and all it's about at this point is you got value, the value of whatever the real estate asset is, just like the value if I got 20% of however the value of Bitcoin is. If Bitcoin doubles, then my 20% doubles. If Bitcoin go to a million, now I got 20% of a million. If Bitcoin falls down to $500,000, I got 20% of that $500,000. So those are the two ways it can be on the blockchain, right? And yes, this can happen on the XRP Ledger. The XRP Ledger was literally built for this kind of value exchange— fast, cheap, in seconds. So you can move value fast, cheap, in seconds. Okay, the rails exist for that. Okay, so there, I just wanted to stop and tell you that. Now apply this idea. Um, yes, it is similar to buying fractions of a stock. You know, when Netflix was $1,000 or $1,200, it's like, I don't got $1,000 to buy a whole Netflix. And you say, well, you know, I got 20%. Let's say Netflix was $1,000 they broke it up now. But, um, let's say, you know, when it was $1,000 and you're like, oh, I only want 20%, well, you can buy $200 worth of Netflix. And guess what? Now you have the value of Netflix. If Netflix was to double to $2,000, now you got $400 because it doubled in value. Okay, you can do that. Imagine with a house now, with gold, with real-world assets. Okay. They can exist as one NFT, one token where you buy the whole thing, or it can be fractionalized. Okay, so tokenization of real-world assets never existed before. When you ever heard of a house being able to be put on a blockchain and broken up in tokens? And I could give you 20% and you 5% and you 3% and you whatever percent, and you own the value of that asset now, and you can now move That value of that asset, say it goes up, and then you say, well, now I want to move into this, or fast, cheap, quickly. Okay, now apply this to every asset, uh, in the world. Okay, real estate, stocks, bonds, gold, silver, art, carbon credits, which is, um, they give credits for companies. There's like a, a pollution cap, and if you If you're under the pollution cap, you can earn credits or whatever. I don't need to go into that, but it can be valuable. Private business shares, trade finance contracts. So, and I want to stop because I don't, you know, everybody don't always know what that means. But let's say with trade finance contracts, let's say you are a Vietnam factory and you're shipping sneakers to a retailer in US. Right? The retailer don't want to pay right now. They only want to pay when the shoes arrive. Okay, so because of that— because, okay, but we're shipping, we're getting rid of this product, and you don't want to really pay until the product reaches you. So what happens in that is that banks step in with instruments like letters of credit or invoices or payment orders or short-term loans to bridge that gap between I'm sending you the shoes but you're not gonna pay until it gets there, right? So there needs to be something in between to bridge that gap. Sometimes it might be a short-term loan, right? If you've ever gotten paid from, um, like companies, uh, sometimes when the money is on the way, you can take a— you can take a loan in the interim, um, the interim of that gap, right? So anyway, That is a $10 trillion global, um, dollar, uh, industry basically that basically runs on paper. Okay, so, and sometimes the settlement can take 90 days. So I'm just trying to explain to you how money moves slow in different ways, right? Because you're probably not thinking of like, oh well, what happens when a factory has to send this and then it gets to this? And you know what I mean, like So there's a lot of ways that money takes forever to move, right? So again, anything that has value and currently moves slow can be turned into a digital token that moves fast. That is the revolution that everyone in finance is preparing for right now. And most regular people— that's why I gotta break it down— have no idea this is even happening. They have no idea. That you can tokenize a property, right? So you explain that so well a 5th grader could get it. Thank you, I'm so happy to hear that. @J Positive, great job, exactly what you said in the Ripple with Real. Yes, so this is why— so now that you understand, like, I want you to get what tokenization means and what it brings, because these things are happening on the blockchain, these things are happening on the ledger. So even the unified um, Ledger experience that I gave you on Saturday with Mastercard working with Ando. And, and in a real scenario that happened, that was a— that was them putting a real-world asset on the blockchain, you know, tokenizing it and being able to pilot it all the way to the end to where you can get your money, right? Let me give you even another example to make it even more clearer. Imagine we'll use gold, for example. You have an ounce of gold sitting in a vault somewhere. This is going to be real, this is going to blow your mind. You got— you have gold sitting in a vault right now. If you want to sell that gold, what you got to do? You got to have it shipped, you got to insure it, you got to find a buyer, and then you got to wait for that buyer to verify it and send you the money. It is a process. That process can take days to weeks, okay? But if that same ounce of gold is tokenized— remember, we're talking about tokenization of real-world assets. Gold is a real-world asset. If that gold is tokenized, you can hold a digital token that represents your ownership of that exact ounce of gold sitting in the same vault, okay? And you can sell it in seconds to anyone in the world. The gold never leaves the vault. It can stay in the vault. The ownership just transfers digitally, and now you don't own it in that vault. Somebody else do. You didn't have to move it, you didn't have to ship it, you didn't have to wait for their money. Nope. You put the ownership on the blockchain. I own this gold and I transfer it to somebody else really quickly, and now they own it, and it's on the blockchain and it's transparent, and they see it. It's transparent. Everybody sees who now owns it. That person owns it. I never lifted a finger, never had to move it. It stays in the vault. They can keep it in that vault. Now, if they want to move it out the vault, that's up to them, but they can keep it there as well. So quick translation for anybody, um, new to this: a blockchain is just a digital record book that everybody can see and nobody can secretly change. If, if, if I'm moving the ownership to you, I can't go in and change nothing and do something and try to scam out or nothing. It is— everybody can see it that the ownership has been moved and nobody can go and manipulate anything. The XRP Ledger is one of those record books, just like Ethereum and just like Solana. There are other versions of record books. Each one is built a little bit differently, um, and each one is good at different things. The XRP Ledger is built specifically for fast, cheap, regulated settlement, which is exactly what tokenization needs to work at the institutional level at scale. Now if you're wondering, well, you know, okay, Ethereum, Solana, okay, well, Ethereum is definitely the granddaddy of smart contracts, okay? Um, it's where most DeFi, NFTs that we talked about— and I'll get to some more of the Super Chats— and, uh, and complex program, uh, programmable applications, um, that's where they live. Ethereum deals with more complex, um smart contracts. Like, if this happens, then that, you know, if somebody pays for this, then they get the ownership switched to them, or what, or whatever, right? So if you want to build something very— now smart contracts also are on the, uh, programmable on the XRPL too, but I'm just giving an example. If somebody want more complex applications, whatever, um, if you want to build something sophisticated, uh, some kind of sophisticated finance logic on-chain Ethereum does have the deepest developer ecosystem and the most battle-tested infrastructure. Okay, so the trade-off is that it can be slower and more expensive when the networks get, get real busy. Solana is built for speed and high-volume, uh, consumer applications. So think fast trading, gaming, meme coins, apps, whatever. You know, it's the ledger of choice when you, when you need, um, throughput, right? So the trade-off is that maybe, um, you know, it has some network outages, okay? And it's less, uh, it's less proven for institutional-grade settlement. XRPL is built specifically— again, I'm gonna repeat it— fast, cheap, regulated settlement, which is exactly what tokenization needs to work at institutional level, okay? So Ethereum may have proved tokenization works. XRPL is built scale it. Okay, so, and let me just say this, the future isn't one blockchain winning, it's really not. I wish we would stop fighting with one another and just understand that it's many blockchains, um, each of them are good at different things and all are talking to each other through bridges and interoperability protocols. So there's others that will do well, and that's why I invest in others. Okay, so let me take a moment, let me look at the, uh, uh, um um, uh, comments. Um, okay, thank you so much, uh, @Canada022. I appreciate this. I'm making sure I didn't miss any other. Okay, uh, sounds good in theory, but if I buy a tokenized apartment complex, um, how do you rent it out and share the income generated by the building? That— what that app— that's outside of, uh, tokenization. Tokenize it— remember, the blockchain just shows your representation of it that you owned it. Okay, now your dealings with having contracts with, um, you know, tenants or whatever, that still works as usual, right? Or you can also, um, use the blockchain for that as well. If you want to move value, if you want to get rent paid or whatever, you can work out that also on the blockchain. But this is just about ownership, right? Switching ownership of something. Okay, it can live on the blockchain. So, um, it's— this is a great question, but you, you can still rent it out, you can still share it. Those are operational things, right? You can, you can find a tenant, you can have a management company, you know, they can collect the money for you. You, you can work out that arrangement, but the reality is, is that you can move the— you can move value very, very quickly, okay, on the blockchain. So it's, it's, it's basically real-world assets being tokenized. Right? So I can go into the operational parts, but that's more operational than transferring ownership. So I'm trying to help you to understand just at a fundamental level, what does tokenization— what does tokenization mean? And that means that that property that you own, that apartment complex, is on— is— lives on— can live on the blockchain through a token that represents that you own the complex. Okay, and if you want to operate and, and hold ownership of that complex and you want to hold it right and make it passive income, that's up to you. But at the moment that you decide, okay, I want to start moving value, all right, and I want to allow people to like invest— or not invest, but, uh, own parts of this complex— then you can do that on the blockchain as well, and you work out your own deals. Right? You work out whatever that deal looks like for you, okay? And so, um, but if— as long as you own it, as long as you have ownership of it, then you can do whatever you want with it. But, but of course, the moment you start to sell it, or, um, you know, sell parts of it or whatever, then you don't have full ownership anymore. It's fractionalized. You may own a certain part, they may own a certain part, but you— that's for you to work out when you're talking about like the contracts and the tenant and stuff like that. But the thing about it too is that, yeah, some people may decide to keep the full ownership of it because they want to make passive income off of it. I love that. But you can— you have that option if you want to tokenize it and allow people to get a fraction of it. And you can make whatever contract that looks like, right? You can make a— you can work out a contract where whoever owns whatever piece, whatever the rent is being given, um, on that ownership, that they get a certain percentage. Those are all logistics that you have to work out. Right, aside from that. And it does get, it does get a bit of a nuance after that point, but the whole point is it could— that ownership can be tokenized. And maybe nobody wants to break it up and fractionalize it. I'm just saying you have the option. It is going to get more detailed if you do that, but if you just keep full ownership of it, I mean, it's going to be actually harder to, um, get passive income off of it if you fractionalize it. Okay, so that's a different ballpark, that's a different game, but I'm just saying it can be done. You can do NFT or non-fungible, or non— you can do the NFT version non, or you can do the version where it is interchangeable. All the tokens are interchangeable, right? But most people, if they're getting passive income, they're just going to keep the property. And if they need to sell it, they just probably will sell it in full, right? But think about how if you use this concept on something like gold or something where you're not involved in passive income, how that can play out as well. Right? Um, but that is a great question. Um, does HQLA and Canton New Migration affect XRP and its price appreciation? And does it take anything away from Ripple's association with, uh, DTCC? No, it doesn't, right? Um, we got to remember too, like, XRP's price appreciation, if you simp— if you simplify it, institutional adoption you know, supply and demand dynamics, use case scenario, right? There's going to be a lot of cryptocurrencies that do well. I'm, I'm going to talk about one that has institutional adoption in my membership, right? But even though that one has institution— all of them do different things. Even if that one has institutional adoption and they have partners with these people and that person and that person, it's not gonna, it's not gonna do anything against, um, XRP, especially because you got to remember the interoperability factors that a lot of these, uh, technologies are going to still interact with the XRPL. You can build an entire— Quant would allow you to build an entire system where you can have an app where you can have Ethereum on there, XRPL. You can, you can pick these different technologies and pick the best parts of them in one complete application, right? And still utilize all of them. Why? Because what this do well is not what this one does well. What this one— like, for example, Quant. Who's in competition with Quant? Like, Quant, no, nothing can really— Chainlink can't compete with Quant. Quant has such an interoperability factor that is where these different technologies are communicating with one another unlike anything else. Right? So Quant, I think, is going to do well because it does that well, but it cannot do fast settlement. It can't, it can't do what the XRPL does. It can't do what, um, XR, the, um, Ledger does, right? So they all have their place. Um, so it's not like, oh, if this, if this, um, uh, person chooses this or this institution chooses this, will it— nope, no. And I'm going to explain why. The market cap, y'all, you guys are looking at— and that's a— but it's a great question. You're looking at the market cap today and you're not thinking out Um, I think, uh, we could do very well with XRP in 2026. See, it will not pass. I'm old thoughts. Um, thank you for your great work. Um, you're familiar with, uh, OneKey Wallets? Uh, no, I'm not familiar with OneKey. I thought she was about to say Keystone Wallets. Um, but not OneKey Wallets. And you know, every single day we— okay, this the way I've been looking at the Clarity Act from the beginning, and I hope it passes. I do. But every day that it doesn't makes me think it's not. I don't care what they say. Every single day that it doesn't pass— if it don't pass, not tomorrow, not the next day, not the next day— every day it makes me more hesitant to thinking, I mean, that it's going to be passed. And so I don't know, but I pray it is. I pray it is passed. Like, I do want it passed, but I don't know. I just think they're going to get in there and then they're not going to make agreements and something's going to happen. Um, and I just wish it would have been passed by now because it just makes me— it makes me personally not trusting it as every day moves forward. And I've been saying that for a long time, right? You got some people who think it's gonna get passed and some people who say, nah, it's not gonna get passed. I really do pray that it gets passed, and I'm just gonna hope and pray it does, right? But I'm not confident. Every single day we wait, I'm not confident. I'm, you know, I'm just not. Um, so, but I pray it does because it would really, really, um It really, really would help. Um, let me make sure I didn't— let me get to some, a few more super chats, and then it's a few things I want to say. Um, thank you so much, Purple Rain, always amazes. Put this towards the next generation XRP fund. We still investing very early. We are very early still in this. Like, a lot of people, even what I'm explaining to you, um, and there are nuances to all of this, you know, like some of the questions being asked about the REN and stuff like that. I get it. And, and that's why most people would, um, would keep things intact. Um, and let me just say this just to give clarity to that even more. Most people would keep things intact while they're in operational mode, okay? Again, it's not until you're about to like sell now where you want to transfer the value of that. It's not until then where you really understand, okay, how beneficial tokenization is. Is that now you can move value, right? But if you want things intact, that's, um, there's still benefit of having your ownership on the blockchain, right? Like, because it's transparent, it's easy to identify. You know, like, even with, um, man, I don't know if y'all ever did real estate, but you get them squatters and stuff in there, people going in your house and stuff, and then you gotta like go to court and try to prove that you own the property and all of that. If the ownership is already on the blockchain, that will be so much easier, like, because it's transparent and nobody can manipulate it, right? Nobody can secretly change it or go in there and try to, you know, hack and say, oh, I own this now, or whatever, you know, the case is. And so it's even for something like that where you're trying to prove who owns what, you know, when you get, you know, when squatters come in and it's like, no, we own this property, no, I own this property, let's go to the blockchain because the blockchain is very transparent., and now I don't have to fight all of these legal cases trying to let the people know, okay, I own this property. So there's other things that we haven't even thought of that makes it so, so much, um, easier that even if you're not selling or if you're not trying to, you know, negotiate with anybody to like, you know, sell your property or whatever, it's still much easier having that ownership on the blockchain, okay? Because at any point in time when you are ready to transition, um, it's right there and you have options at that point. Right? Um, let's see really quickly. Uh, thank you so much, Senor, uh, Rojo. I'm trying to just get through the Super Chats real quick. First, happy Mother's Day. Thank you so much. As a fellow Chicagoan, I must give props. Lately I've noticed YouTubers have been referring to your videos. Thank you so much. Keep preaching this knowledge to us. By the way, South Side, I love it. I love to see it. Thank you, and I appreciate that. I'm super inspired by it, trust me. Um, I, you know, I, I'm just, again, I'm just here trying to add value, and that's just what I do. And I try to get you guys to understand, I hear you, I listen to you. And, um, yeah, I, I, that's what I'm, that's what I'm here for. And I'm sorry I'm not getting to all of the— I'm kind of scrolling down making sure I didn't miss because there's a couple of things that I want to also say. Okay, so let me, let me explain too why, um, every major institution is building this right now. Okay, just give me a couple of minutes and I want to help. And I'm sorry I couldn't get to all of the comments. I'll look back again after I finish this, but I just want to help you guys to understand why this is happening right now. Um, and the reason why is very simple, and you can— if you just understand this, it's very simple, it makes sense. Okay, so I don't want you to make anything complex about this entire scenario. The reason why it's happening is just as simple: the old system is breaking under its own weight. That's it. When, when a global bank, um, and I've explained this before, Like, if a global bank wants to move treasury bonds from one country to the next, the process is brutal, y'all. Multiple banks have to be involved. Um, each one is going to charge a fee. They're going to charge all kind of fees. Um, each one only works during their own business hours. If this bank is closed, this bank is closed. You know, you got different banks that's open on different time zones. Like, everybody's not on the same time zone, so the transaction can take days to settle. It could take 3 to 5 days to settle. And the bank that's holding the cash during that time cannot use it for anything else. The buyer can't do anything with the bonds until they arrive. So the whole system runs on infrastructure that was originally built in like the 1970s, and I'm not exaggerating, okay? It— that's the old— that's the plumbing of the international banking. It's older than certain, you know, some people, right? It's old. And what tokenization does is it fixes all of that. So when the Treasury bond gets tokenized, it can move from one bank to another in seconds. There's no middleman, there's no extra fees, no, uh, business hour restrictions. There's no waiting 3 to 5 days to settle. The bank that sent the cash, um, gets value back just like that, instantly. And the buyer is going to now get the bond instantly. Okay. And hey, both sides are gonna walk away more efficient. Okay, so because it happened so quick, and I looked this up, by the way, I want to say this too, right? And yes, you can invest in crypto now. Verified 2026 numbers are this, because I looked this up. The average daily trading volume is about $1.2 trillion per day. So through April of 2026, it was up about 9.6%. Um, year over year. Okay, total outstanding U.S. Treasury debt, $30 trillion as of March. Okay, so it's not up to date. And then Treasury repo financing is roughly— oh my goodness— $4 trillion a day per Brookings. Okay, um, so, and then high volume days is up to like $1.5 trillion. So when I tell y'all, it's so the the— even if we get a piece of that on the blockchain, y'all, it just changes everything. It changes the market cap, okay? We are still early to this, by the way, but this is why the largest financial institutions on the planet are racing to build this technology. Now, when I talked about the unified ledger, maybe if you didn't watch it, go back now, it may make more sense. JP Morgan, Goldman Sachs, BlackRock, Mastercard, they are all building tokenization infrastructure. And they not doing it because they want to support crypto, y'all, or because they suddenly love the blockchain, y'all. They don't— they didn't suddenly, oh, I love the blockchain technology. No, they're doing it because the old system is costing them money every single day. Every minute a transaction sits in settlement is a minute that they cannot use that capital for anything productive across trillions. That's why I gave you the numbers. Across trillions of dollars in daily flow. That adds up to a lot of money, billions and billions of dollars in lost opportunities after every year, right? So what happened on May 6th with JP Morgan, Mastercard, and Ondo Finance, right? When they ran that live test on the XRP Ledger, Ondo took a real US Treasury bond and created a token version. What I just described, a tokenized version of a Treasury bond, a real-world asset. And called it OUSG. Okay, Ripple had some of those tokens and they wanted to redeem their cash with dollars sent to a bank account in Singapore. The entire transaction settled in under 5 seconds on the XRPL. They did an actual pilot. That was the unified ledger. So think about it in real terms. A transaction that normally took— take, uh, 1 to 3 days through correspondent banking cleared in 5 seconds. Real money, real institutions, real treasury bonds settling on the XRPL. That is documented. That's what happened. Now, Ando, um, somebody asked me about Ando, and I get to the, um, the Super Chats. Um, yeah, they are one of the companies that built the tokenization infrastructure that traditional finance is now using, right? So, um, they were early to the space. They built it the right way. And because they were ready when the institutional players needed a partner, Ando got chosen for the JP Morgan and Mastercard test we just talked about, right? So their flagship, again, product is the OUSG, which stands for Ondo Short-Term US Government Treasuries. Okay, so what Ondo did was they— what they do is they hold real US Treasury bonds. These are real Treasury bonds in custody through a regulated partner, and then they issue digital tokens that represent ownership of those bonds. And so when you hold OUSG token, You actually own a slice of real treasury bonds sitting in, in, in a custody, all right? And that token can move on the XRPL or other blockchains in seconds. It can move there. Now that matters for you. Why? Because Ondo proved tokenization works at the institutional level. Over $600 million is in tokenized, um, treasury assets have moved, uh, through their products already. So, and they're, they're one of the platforms that traditional finance is using right now and testing the waters of tokenization before scaling up to bigger asset classes, I believe. So, you know, that's, that's for the— if you are into Ondo, that, that is what they're doing. Um, now, thank you so much, uh, Bessie said I'm teaching today. So, um, so yes, I, I want, I want you to understand this is real right now. Um, tokenize— tokenization is the rail being built. Um, XRP is one of the settlement assets on the rail. So remember, XRP is a settlement, a fast settlement technology, right? The institutions are building the rail. They are positioning that asset that settles on the rail, okay? So I need you to understand what is actually happening when, when we're talking about XRPL. It is the fast settlement. So the moving of value settled very quickly for cheap. And it's meant for— it's meant at institutional level, okay? It's like, again, every coin does something different. XR— the XRP Ledger is made for institutions to move money, okay? And the global corporate payment market is around $150 trillion a year, y'all. The global bond market is over $130 trillion. Real estate globally is over $300 trillion. I gotta throw these numbers out so y'all can know how much is probably going to be put on the blockchain. Stocks, $100 trillion. Okay, all of these in the trillions. Every single one of those asset classes, uh, is a candidate for tokenization over the next decade. It's just that simple, right? So y'all, that is the system that's being built piece by piece right in front of your face, and every single piece of it is preparing for the day tokenization moves from a niche institutional experiment to a multi-trillion— that's why I gave you the numbers— multi-trillion dollar global settlement layer. If you can't see it, I just, I'll just continue to help. All right, so first, uh, just understand the position you're already in. You're not betting on a speculative coin hoping that it goes up. You're holding the asset that settles tokenized transactions on one of the most institutionally adopted blockchains in the world, y'all. Number 2, stop watching the daily chart and stop letting it move you. All right, move your emotions. And you know what, this is what you should be watching: the cadence, the cadence, the cadence of institutional milestones. Every new tokenization partnership that gets announced, that is a signal. You're looking at the wrong signals. Watch the signals. Watch the new, uh, corporate treasury integration. That's a signal. Every new bank custody product. That's a signal, all right? These signals are arriving fast, by the way. And then the third thing, please y'all, make sure you— the structure that you're holding XRP in, or any other digital assets that you believe in, that it matches the time horizon of what's being built, right? This is going to play out over, over years and decades, not weeks. I need y'all to know that this is not ending tomorrow. This, this not— this ain't even got It's not even beginning, okay? There's so many people that we are still early. So pay attention to how you're even holding these assets. Like, again, if your XRP is sitting in taxable accounts, when you take profit, if that's your only strategy, you got to have a strategy that's as long as what this is going to play out. This is not a weak move. This is a decade to decade, century move. I'm telling you, if your XRP though is sitting In a Roth IRA, um, remember, as that— whatever that account is, if it appreciates, you get to keep it. So that's why I continue to tell you that I do hold a portion of mine inside a Roth IRA. It's part of the structure, right? You want to— with something that is going— that has no ceiling— I don't think it has a ceiling. Look at the institutional adoption. We are moving into a different world, y'all. This is— it's so, you know, whatever structure you put in now is going to— you're going to have the best benefit of doing it now. So I do, like I said, I keep mine in a Roth IRA for anyone who's new through iTrust Capital because of the tax-free growth on the asset that I expect to compound over a decade. It's the smartest move I can make right now. And I trust that you hold real native XRP, gold and silver, uh, other assets, XLM, Quant if you like Quant, Ondo, right? And so, um, this is a digital asset. If you believe in these digital assets, put them in a structure where you can get that appreciation. It's all inside of a retirement structure. And retirement doesn't mean that you need to wait for retirement, okay, um, to use it. Like, oh, this is the only money I got for retirement. No, it can— that, that can be for any purpose. Just, just know it's a tax-free account, right? The link is in the description. There's a $100 funding bonus when you, um, fund the account as well. All right, and then, um, also remember, I am putting the links to my, um, clarity calls so that you can get clear on your structure. If you have questions, if you have deep questions, you want me to sit down, look at your portfolio, understand where you're going, how to get your passive income, put put you in the right lane. That's what my clarity calls are for. And then my community group is in there as well. We just got off an amazing, um, call to coaching call together where we unders— we, we learned about the, the importance of barterability, okay? And, um, man, it was awesome, right? So, uh, let's, uh, yeah, I'm confused. Let me, let me make sure I didn't go back up. I did see a couple of Super Chats. Uh, is it true that Ripple is supposed to IPO this year on the New York Stock Exchange, or is that a different company? No, that's probably Ripple. Um, they always said they wouldn't IPO. I don't know. Um, you can already invest in Ripple, by the way, through private, um, private deals, right? Uh, if they do, they're gonna do very well. They're gonna do well, okay? Um, they're gonna do well. I hope they do IPO. I think it's gonna be, uh, great. Um, but that is the company that you're talking about. And thanks so much for the Super Chat. Um, we'll see if they're gonna IPO. Uh, They don't— I don't know if they even really needed to, but, um, they may. But that is Ripple, the company that you're probably, uh, hearing about. And then, uh, somebody said— I'm J Positive, thanks so much for this— I'm very confused on why people don't believe in XRP. It's right in front of our faces. What are some reasons, um, you hear why? Uh, because people are emotional. They're, they're emotional and they don't— they haven't understood it. They don't understand it. So even just what I walked you through Most people don't know this. No, they don't know that you can tokenize real-world assets. They, like, the average person just don't know what's happening in this world. And most of their history on investing in cryptocurrency has to do with a 4-year cycle and liquidity and making money. Think about what we know about cryptocurrency is that, oh, you got these 1,000% moves and how much money I made. And, you know, so it's really just about making money. And I don't think they have now taken into consideration the whole idea of the use case scenario, the utility, um, aspect of it, and institutional adoption. That, that requires investigation and research and education and all of the parts of most people's brains that they don't want to slow down and invest in, right? Everybody wants a dopamine hit, a rush. And even to this day, you're still going, well, when are the price gonna go up? After you hear everything that we talked about, that's more of a multi-generational move, a move that gives you generational wealth, a wealth transfer that's being taken from you type of impatient people and moving to a person who is thinking in decades and not days. Most people think in decades and day— I mean, most people think in days and weeks and months at best, but they're not thinking in decades, right? So slowly but surely, even if they're holding on a little bit, even what they hold on, make money, okay, we're still going to take the money from them, okay? Because institutions are thinking in century, they thinking 50 years, they thinking long term, okay? And we're thinking, I'm thinking long term, more than, more than just a decade, generation to generation to generation, right? Um, and but most people are not, then they're not wired like that. And social media and fast-paced life and, and quick Amazon, and you know, you get stuff right away away. So they want money right away, okay? Because Amazon delivers same day, you want your money same day, you know. So everything about our world is making us impatient, and you almost got to fight against the, the, the, the, the cascade of it. You got to fight against the waves that pushes us in the direction of what this environment is building. And, you know, and we get immersed all the way in it, you know what I mean? So you got to go against the current. The current is you know, making quick, quick, quick, quick. Everything is quick, all right? And so, uh, that's how people are wired. So it really takes you going against the grain of that and slowing down and understanding how to build your wealth and structure. Like, people don't want to hear about Roth IRAs and structure and stuff. Why? Because they're thinking about today. They're not thinking about 10 years down the line when, you know, you look at this account and you ain't got to pay taxes. They're gonna get— taxes is gonna eat so many people to pieces, um, and they're not even paying attention. It's gonna— it kills wealth, right? All right, um, but what if you've been waiting since 2017? I get it. Uh, yeah, we long-term thinking. Yeah, we are. We've been waiting. You just— and that's why you need community, and that's why you need to have something that can make you feel confident about your waiting time, make you almost make waiting feel sexy. Let's bring long-term investing back sexy again. Like, because all this hype, overhype-driven stuff where you getting this right away, I get it, we want to make money, but that's But you still got to have a game plan. You still have to have a framework, because even when that cash flow come in— yeah, we want the cash flow. Yeah, we want money. Yes, yes, yes, yes. But where is it? Where is it being reallocated? Do you have a framework now that we can redirect that, um, that money back somewhere that can be positioned and preserved and grow, right? No, most people are— you come in, come back out. Okay, you get them, you get more money, now you got more expenses. You get more money, now you want to go buy a new car, you want to go buy a new house, you want to go buy this, you want to go splurge, you want to go show everybody that you rich, you know what I mean? And it's just all about the mindset. So we got, we gotta, you know, we gotta, we gotta change our mindset, right? Um, yeah, if you have advice, you, barterability, you better, you better start charging, um, your skill set. Um, you know, it's okay to do free, right? It's okay to do free. I'm here, I do this for right free, right? But you have to have another some kind of way to make money so that you can get— if I really want to come on here, like, if I couldn't make no money, it would be so difficult for me to come on here every day because now I gotta— I do gotta feed my family, I gotta pay bills and stuff, right? So the more you can try to produce income, the more you can give back and you can do things that you know is just valuable to people, because that's what I love, right? But you know, at some point, if you got to pay bills and you got to take care of family and stuff, you got to figure out something that can give you cash flow. And so, um, investing is a, is a great way to, to allow you to be free, to like just be able to give and add value as much as possible. And, and that feels more rewarding to you. I'm, I'm fulfilled by this, by the way, guys. Like, this doesn't cost me anything but a little bit of time, and— but it doesn't really cost me because I really enjoy it and I enjoy you. Right? So this is what I love doing. Thank you so much, Dwayne. I appreciate the Super Chat. Question: with iTrust Premium custody account, can I move my cold wallet tokens in there or only purchase from within the account trust? Uh, that's a great question. And, um, the Premium account, you actually can move assets in there, right? So you can move them from the exchange, from the exchanges, if you were to have some on the exchanges, from your cold wallet. And you can expose yourself to a little bit in their premium custody account as well. The Roth IRA is just the only one that you cannot move assets into because they have to, um, they have to capture how much money you're putting in the Roth because there's a cap for how much you can put in your Roth account depending on your age, right? So if you're under 50, uh, it's a little bit lower than— it's like $7,500. If you're over 50, they give you a little bit more wiggle room. Uh, but there are other ways to get your money if you don't qualify for a Roth. Like, you can do a backdoor Um, or you can do a mega backdoor. So there are other ways, um, and I know that for myself there's other ways that you can do a Roth IRA. That just means you got to pay taxes on things right now, um, but that's okay if you feel like whatever you're about to— if you pay taxes on whatever you have right now in your account and you roll it over into an asset that you think is going to outdo even better, then it makes sense, right? Because it, you know, because that asset is going to appreciate. If you feel like it's going to be a better return than what you um, have right now, like if you just pay taxes now, get it over with, and you feel like your tax income bracket is going to go higher, um, in the future, then are you going to set yourself up? Because if you keep everything in that traditional account and then everything goes up, you're gonna have to pay more and more taxes in the future. And if you got more and more money, that's going to be a bigger tax hit for you. So for some people, they've done a backdoor Roth even by paying taxes on their account, moving some money into an asset that they feel like will appreciate, so that they have that account that they don't have to pay taxes on. Right? And so, and even maybe at some point if that account, um, performs really well, you can, uh, and you got another traditional account, um, or some other taxes that you own, other things, maybe that could be some of the money that you take to pay, cover some of those taxes so that you, you know, it's, it's a strategy, you guys. You gotta, um, think for the strategy. But anyway, Dwayne, I know I digress and said that because that's important for some people to know, um, but yet a premium account, you can, uh, move your assets actually in there. So, um, or you can move money in there, um, so you got that option. For sure. Thank you so much, Anthony White. I appreciate you guys. Um, and David says he wants his Porsche, and I know that's right, right? So we got to position ourselves correctly. All right, um, I will not forget to tell you the new token, but I'm doing that to my membership, right? So that's actually what I'm about to talk about in my membership is the new token that I've started to invest in and investigate in. And I've never talked about this token, but you— a few people have asked me about it, but I have taken some time, some real time to investigate, and I have started a position, and I will continue to add to my position as I see fit. And, uh, and then I'll also tell you the token that, um, has gone up 123% in 2 months. Whoa! Uh, I love it. And, uh, we'll be taking some profits off of that, off the table, but I am keeping some position because I actually think it might go up a little bit more, right? So, um, uh, yes, it is better to put your XRP Uh, in an LLC holding company, holding company, remember, for 6 months. I love it. I was curious about the iTrust holding your crypto and not your keys, not your wallet. Can you go over that? Um, Sam, so the, uh, it depends on— the Roth IRA is a different kind of, uh, account. It's a tax-free account, right? And so, uh, they are a software platform that holds, uh, your crypto in institutional-grade custody. Accounts, right? And so, but any— like, even if you went through, even if you were purchasing like stocks or whatever and you put it into a Roth IRA account, the whole purpose is to have a tax-free structured account. So I don't say you expose all of it. Now, some people will because they work backwards. They're not safe with a cold wallet. They don't feel safe with a cold wallet. They don't understand it yet, but they want to get involved. And so it's like, that is their bottleneck for getting involved is the whole idea of, I don't understand a cold wallet. So they will go all in institutional custody, and then they will learn about the cold wallet after and start migrating a little bit of their sovereignty there. And some people will do the opposite. They will have their cold wallet, but they will realize, um, I definitely want to start diversifying some of this, right? I want to have a little bit of it in an institutional-grade custody account, or where I can— you're going to have to have— if you want any type of passive income, at some point you're gonna have to move, you know, you're gonna have to, um, expose your, your crypto to a little bit of risk. So that, that's the whole idea. Or, or you can just let it sit there and just grow. But most people, I can tell you, most people in this space want passive income on their assets. They want cash flow. That's the whole point, purpose. That's why we get dividend stocks. So yes, you have to. And any, anything has risk. Holding it in a cold wallet has risk. Some people have been you know, hacked out of a cold wallet. Some people have accidentally, you know, made the wrong move. And, you know, and I, I know a guy who, like I said, he unalived himself because— I don't know him, but there's a guy who unalived himself because all $3 million of his XRP came off the, um, uh, got hacked out of the cold. I don't know exactly what happened or what that story was, but you hear them. They do exist. They do happen. So nothing is 100% like, you know, cold wallet is as sovereign as you get. But it still has risk. And because of that, my thought is if some of it was maybe in institutional custody or it wasn't all in one place, then that would at least, you know, allowed him to, um, not have to lose everything. So it's more about the entire structure and the entire game plan. Uh, I, I know some people say like, oh, if it's not your wallet, it's not your keys, but actually institutional custody is different from exchanges. You do when you are in a Caleb Brown, or you do own your own keys, right? It's just, um, so it's not the same as where on the exchanges they hold your key, they own your keys, and they owe you, and it's on their books. Like, it doesn't work that way with institutional custody. You still are the owner of that particular asset. And so, um, some people even get confused because I hear I say a lot with the exchanges and how risk risky they are, but the exchanges they own, you're giving it to them. You have permission, um, that you're, you're giving it. You don't even have permission. They owe you. You're a creditor. You're a creditor. You don't even have permission. So there's a difference between being an owner, having permission, and just being a straight-up creditor. Like, that's your crypto and you owe me it. Um, and that's the worst kind. Institutional works a little bit, uh, different in us, you know what I mean? So it's not like they, they don't own your crypto. All right, um, all right, let's see. Uh, you thought it was a cold wallet and was aware— oh, it was aware. Okay, he— so he had— he is vulnerable. Okay, because I didn't, uh, I didn't, um, I didn't know exactly what happened with that. Yes, he unallowed himself. And then— oh, and be careful, um, because one of the risks other than the whole Q Day stuff that I went through, if you just protect your seed phrases and don't accidentally move it into a wallet that like I tell people copy and paste if you get— because some people have tried to manually write in their address when they send it, and if you get one off— so usually it is a mistake that you make, um, with the cold wallet, uh, and but that is the risk that you gotta understand it, okay? So nothing is 100% risk-free, but cold wallets are the best sovereignty, especially long-term. Institutional custody can give you some diversification and exposure to like when they're, you know, staking and passive income and things like that, when you can get yield. And then something like a Roth IRA, again, it's just the structure of an account where you can grow it tax-free. Different accounts for different structures and different reasons, right? So yeah, yeah, Megan, um, yeah, he did unalive himself eventually. And my heart goes out. I was praying for him, his family, his community. And, um, it— yeah, it was such a tragedy. Um, to hear. And so I don't want any of you all making any mistakes because I've heard a lot of people who have lost their crypto, okay, in this way. And, um, and I— trust me, I talked to them, and they're cruel. Like, like, I talked to somebody who got hacked, um, you know, thought Coinbase was calling them saying, hey, your stuff is being compromised, give us your seed phrase, we're going to help you, blah blah blah blah. And, um, not only did they take his stuff, but they was very cruel to him afterwards. Words, like scolding him for like even giving them the seed phrases, like calling them out of his name and stuff for it. Absolute horrible human beings, um, in this world, right? So, uh, so just be careful. Thank you so much, um, Sean. I, um, appreciate this so much. Um, yeah, yeah, yeah, it just made me upset as well. Um, and my heart goes out to him and, um, his family. Like I said, um, I had mentioned this some time ago. And, um, you know, it just, uh, and told my community to just be praying for him and his family. Um, I'm getting so many impersonators. Please, um, just if you see it, um, just report it as best as you can. I'm still working with YouTube on this. Um, it's, it's crazy, just the scam and stuff they, you know. And thank you so much, Kimberly. Oh, thank you so much. I appreciate this super sticker. Um, I definitely, um, you guys have been so kind. As I always say, you're always so kind to me, and I just want you to know I appreciate you from the bottom of my heart. And, um, and one more thing I was looking at, uh, when you're leveraging your crypto, do you share your keys? Your public key can be shared, um, with somebody if like they're sending you crypto. Or your public key, if you move in crypto, it's on the blockchain. It's not— the public key is, is not the issue. Private keys, no, you do not share your private keys. Not even when leveraging, okay? You just— you can just move your assets to wherever your DeFi protocol or wherever you're getting yield or wherever that is, uh, but you do not share your public or your private keys. If you're using Tangem, your private keys are in the cards, okay? So you don't have like private keys. Now if you have other, uh, cold wallets, your private keys will consist of like— is it 24 words or is it 12? I can't even remember. It'd be so many words I don't even know now. You have 20, like 24 different words. You do not share it with anybody. A nice amount of words, I don't remember exactly. Maybe it's different for each cold wallet. I set mine up so long ago, um, but that is where your private keys, um, exist, um, is within your seed phrases, and you don't share that with anybody. All right, so be very careful, um, but your public key, everybody, you know, anybody can know your public key in a sense. I mean, it's on the blockchain if you moved anything. Um, uh, but let's prepare for, um, let's, uh, XRP, XLM, and HBAR. I will also— yeah, yeah, those are, those are 3. I have more though. All right, um, so thank you guys for rocking with me. You guys have stayed to the, to the end, and I love that. We've been on here a little bit of time. I try to keep them— I've been trying to keep them at 60 minutes, which I'll do my best to try to keep it just for the replay purposes. But I appreciate all of you all. I'm going to go with my members. Make sure you like the video, subscribe, send it to someone who needs to understand this. I think I did a very simple explanation of tokenization. I'll continue to talk about it. Trust me, I hear your comment, I see your comments, and I do pay attention. And I want to be able to provide as much value as possible. And let me just tell you, listen, um, oh, and the links are in the description for those, and the numbers, uh, like to iTrust Capital if you want to reach out to them and ask them questions. They're very Hospitable. They'll answer your question. Their customer service is unmatched. Um, and the next time somebody tells you that XRP has no use case, you can answer them with one sentence: the largest bank in America just used the XRP Ledger to settle real U.S. Treasury bonds in 5 seconds. That is use case. Let them know that. And as always, I want you to stay wise, stay wealthy, and I'll see you in the next video. Peace out.