XRP Doesn't Need a High Price… Or Does It?
Kamilah Stevenson argues XRP needs a high price to function at institutional scale, not just small transactions. Banks likely set a floor price and will adopt it during a crisis, she says, citing Ripple's 300+ partnerships. Low prices work for high-velocity trading but create dangerous slippage when moving billions of dollars.
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Hey, it's Kamilah Stevenson, and around here we talk wealth, and it ain't no different today. I said it ain't no difference today, right? I'm using my slang today. Listen, years from now, people, um, won't just be wealthier or poorer, okay? They're either going to be aligned with the financial structure that has replaced the old one Or they're still going to be trying to survive inside of a system that has moved on without them. And today what we're going to do is talk about the debate of whether or not XRP can stay at a low price while being fully utilized. That's what I want to talk about today. So let's get into it. Hit that like button on your way in and hit the subscribe button also if you are not subscribed so that you do not miss any of my videos. I would love to see where you're chiming in from, and I see already some people are from different parts of the world. Dallas, Texas in the house. Uh, I see some flags. I think that's Italy. Is that Italy's flag? I'm trying to see, they so small. All right, what's up from Honduras? What's going on? Um, Minnesota, Washington, DC. What's going on? DC is in the house. All right, y'all. Uh, Ohio in the house as well. We got some people from some different parts of the world, but listen, we all come together in unity under one umbrella called XRP. All right, y'all, um, what's going on? Uh, North Dakota, uh, St. Louis, New Jersey, um, New Orleans, what's going on? Uh, let's see what else. Uh, London, what's up? Kentucky, what's up? What's going on, y'all? I love it. Chi-Town, my town. Irish, Irish, Irish rich. Let's go, Cali, Charlotte, what's up? All right, y'all, South Carolina, I see you in the place. All right, all right, we all here for that bag, ain't we? Listen, I, I'm going to— I'll get back to the comments, but I want to address something because, um, man, I, I'm telling you guys, there is an opportunity of a lifetime right before us, and people are debating over prices and, um You know, listen, I have— and I am going to talk about the price point, but not from a prediction standpoint and not from a time standpoint. Um, I know that years to come, there's either going to be people who are absolutely free, and I mean free indeed, or there's just gonna be people who are suffering. Okay, there is a— there's gonna be a divide, there's a— there's a split. Happening. Okay, and what's up from Ghana, Brooklyn? I see you, I see you. Um, but I say I give you hope with, uh, XRP. Yeah, I want to— I've done a lot of research with XRP and I just want to present something to you. Listen, I'm not here to— I'm not here to give you crazy hype without the education. I think that's where a lot of people went wrong. And so there's a lot of people saying a lot of things about the price point of XRP. What you need to know is, first of all, I'm long-term, all right? I do believe that you should have a, a bag of XRP that you absolutely never ever sell. And let me just say this, nothing I say is financial advice. Everything I say is for educational and entertainment purposes only. Do not listen to what I have to say. I mean, some of you all have never even met me before, you know, so I'm not telling you to listen to me. You can lose all your money through investing. Um, I'm giving you my thoughts and opinions and what I'm doing. Now you have to do your own due diligence, get educated, get your own convictions, and, and do what you have to do for your family and for your financial freedom, right? And so, um, uh, Croatia, I love it from Croatia. I love it, love it, love it. Let's see, uh, Porto Viejo. I always, uh, I gotta, I gotta get my, my accent right. Haiti, what's up? Um, Epstein files make BTC look very bad and XRP and XLM good. Yeah, all right, pump it up, pump it up, pump it up. Listen, um, again, I'm not here to sell you hype. I'm here to give you education, and I wanna, I wanna, I wanna present something to you because one of the things that, um, a lot of people ask me is do I, do I agree with the analysis of XRP's price staying suppressed because of the ability to reuse it. And I, and I want to give you some clarity today, and I think you should have your own clarity if you hold XRP. Okay, I, I'm not, you know, I want you to get as educated as you possibly can. Now I'm going to tell you, I'm very hopeful about XRP. Even, uh, Brad, I was looking at an interview with Brad, um, Garlinghouse, and he was talking about how Um, he was talking about how like he's— I think a lot of people are afraid obviously of XRP, and he's— he calls it the North Star, right? And so what Brad once said in one of his interviews was that he said, really, he said we're playing 3D chess, all right? And basically he says some moves are noticeable and others aren't, some are obvious and others aren't, basically. Right? And so, um, I, I think people don't quite understand what Ripple is doing. Some people are mad at Ripple for selling, you know, the XRP and, um, you know, releasing it every month, but they are at least selling it to, uh, they're not putting it on an exchange selling it to retail, okay? So, um, somebody said, should we buy the dip? I, I still am under the impression, personally, I don't know for sure. Nobody can tell you for sure. I'm telling you that. But I'm— I think that we will— if it's my educated guess, I do think that we're going to see lower, um, price points than what we see right now on the chart. Does that mean it's— you shouldn't buy? No. I mean, I think all around this price point is a good time to buy, you know what I mean? And I think that if you don't have some in a brokerage account or a Roth IRA, this is— I mean, it's just on sale. It's, it's insanely on sale. Right? And so, um, so I will— now some people, again, they are upset, they are very angry at some of the price predictions that have come out in the past. Let me start with this, because again, I'm not here to hype you. I really am here to educate you. So I want you to think through some things, okay? I want you to think through some things, and, and I want you to use your, your brain to, to try to connect the dots, all right? That's what I'm trying to get you to do. I'm going to explain, I'm going to brain dump on why I believe that XRP will hit some high digits. Um, first of all, let me just say, I'm gonna just tell you right off the front just so you don't even have to wait. If anybody want to leave, they can just leave right after this, right? I want to tell you right now that, call me a conspiracy theorist or whatever, I believe that banks have already come together and made a decision on what the bottom floor of XRP will look like before they all buy in. And let me explain why I believe that from a lot of the research I've done over the years, right? So hear me out, and I'll look at the— I'll get to the comments in a moment. I just want to get this out. If— just hear me out. If XRP is ever used at true institutional scale, because let's remember, this XRP is made for banks. I, I know, I know y'all get a little confused about XRP because you hold it, but it's made for banks, okay? So, um, if, if XRP is ever used at institutional scale for the banks like it's supposed to be, right, the pi— the price then is not going to be set by retail enthusiasm. Meaning it's not going to be set by people who wanted to go high, and it's not going to be set, or it's not going to stay low just because somebody say it ain't going high. Okay, it will not be decided by the sentiment of Twitter. It's not going to be decided by YouTube cycles, no speculative bull run, none of it. Retail, they can create a little momentum around, you know, uh, XRP. Retail can push the price up to $5, $10, maybe higher in a, in a hype phase. But retail does not determine the structural price of a settlement asset that's meant to move institutional value. So when you're, when you start talking about extremely high price projections, the mistake that again, people make is just jumping straight to the number without explaining the mechanism. And that's what I'm trying to do. So high prices are not going to happen because people believe hard enough. We just gonna hold hands and, and hope that it's not gonna happen like that, y'all. I don't care what I say. I don't care what the next person say. I don't care what you say. That's not how it happens. It, it's gonna happen because scale forces compression. At small scale, you can move value with a cheap asset and nobody cares. But at institutional scale, cheap becomes inefficient. The lower the price, the more units you need. The more units you need, the more exposure you create to slippage and volatility and timing risk. Banks don't build infrastructure around that type of fragility. They're not. If Ripple— think about this— if Ripple is pitching this system to financial institutions, okay, let me— because I was looking this up. Um, let me— because you got to put yourself in the, in the mind frame, right? Ripple is pitching this to institutions, okay, years ago, right? And so let's see, let me see, let me see how many, um— so look, uh, so okay, Ripple has over 300 partnerships. It says RippleNet has surpassed surpassed 300 banks and financial institutions globally across North America, Europe, Asia, Africa, the Middle East, and Latin America. This includes banks, remittance providers, payment firms, and fintechs. These partners are spread across more than 40 to 45 countries and include both major banks and regional players. Okay. And of course, SBI Holdings is one of those, right? And SBI Holdings is one of Ripple's most strongest strategic partner globally. Okay, now get that mind frame. So when you talk about Ripple developing these partnerships, they have to think about them pitching this to all of these different banks and outlets that I'm talking about, right? They're pitching this to financial institutions and they've been doing it for years. The very first question any serious risk department is going to ask when you're pitching me this and I'm a bank that is going to move billions and trillions of dollars is what happens to us if the price moves while we're settling value, right? That's not a philosophical question. That's a balance sheet question. You cannot tell a bank, oh, don't worry about it, it's gonna be reusable. Reusability only works in calm conditions when liquidity is abundant and nobody is stressed. The moment that liquidity starts to tighten and volatility starts to spike and trust compresses and borrowing supply becomes uncertain, there's gonna be a problem. And institutions do not build mission-critical systems on borrowed certainty. So either XRP remains a small-scale utility asset used in narrow corridors where volatility risk is manageable, which means the price stays relatively contained or suppressed, or it becomes a true neutral bridge asset at scale. Either one. And if it does become that, then the market is not going to gently grow into a higher price. The system has to support a price high enough to reduce unit friction and absorb institutional value without breaking, right? So that kind of repricing doesn't come from retail. It comes from necessity. It comes from a moment where scale demands stability. And historically, when you look at those type of moments, they're not gonna arrive like real quiet and stuff. It's gonna be just in your face, right? They're gonna arrive because of stress, because of economic stress, liquidity stress, geopolitical stress, like all of the stress that we see right now. When the existing system is all of a sudden is no longer sufficient for the stress that we're dealing with right now. And that's why saying that XRP doesn't need a high price because, because it's, I guess, reused, it can sound very logical in theory, but it's going to collapse under institutional scrutiny. What it assumes is that liquidity is very stable and that there's a continuous access, access to, to this, uh, utility., and it's going to also assume low volatility, right? That, that's not the way institutions are thinking about this. They can't— you can't, you can't say to them, oh, everything's going to be okay, right? The exact conditions, those disappear when a neutral bridge asset would really be needed the most. That's when it's needed the most is when those conditions start to happen. So if you're wondering about XRP, I think the real question isn't whether it can stay cheap, it's this. Whether a cheap bridge asset can support global institutional scale without becoming a point of risk. Can it do that? Is that what it's made for? Because that's the entire debate. That's it. And what do I believe? This is what I believe. I, first of all, like I said, I think the banks have already decided a floor, and they'll use, uh, and they— and I think they're going to use an economic crisis to adopt a solution that exists for the very reason that they're utilizing it. That's what I think. All right, and you may think different. You can tell me what you think, but that's what I think. And that's why this situation with reusability becomes, um, broken to me, because we are still not understanding that Ripple had to pitch this idea to these banks for them to buy in. And they're going to wonder, what happens when I send my currency to you and the price change? Do you not think that that's going to be the first objection? That objection has to be overcome. It would make sense for them to all say, okay, we all have to get in at the same time. We can't come in at different times, different prices, different slippage. We can't come in with volatility. We, there, we have to figure out a time, a floor to come in where it's stabilized, where we don't have to worry about by the time I send you some money, the whole entire price has changed. That cannot happen on an institutional level, that's of banks sending trillions of dollars to one another. Y'all think it's still retail. Now, XLM is made for retail, but you're not thinking about an institutional backing with this. Okay, so the, the— there's a lot that people are not thinking about with this. Now, these are the things that I'm thinking through. Okay, right. So, uh, and I'm looking at some of the comments, I'm laughing at them. Somebody say pump and dump. And there could be a pump and dump, right? But here's my thing, and because I'm not talking price points, you guys, I am talking that when we're looking out 5, 10 years, those who held are going to be extremely excited. They're going to be extremely blessed. They're going to be extremely positioned. They're going to be extremely wealthy. That's what I believe. Now you can believe what you believe. I've done a lot of my research. You can believe whatever you want to believe, but I'm telling you, this is the way I see it, right? Thank you so much, I appreciate this. Um, you have been so kind today, uh, to send this to me, and, uh, I just want to say thank you. You must be an XRP holder, and I'm telling you, keep holding because we are all in the wealth transfer. I appreciate you. We're all in. And I know it's a lot of y'all that don't want to hear what I'm saying, but Again, that is why I'm educating you, right? Right. The hope is a lease. You don't know for sure. Well, you know what? We're going to find out, right? We are going to find out. Doing my iTrust Capital right, right now. Yes. And you know what? And that's something that's very important. And let me— because I'll break it down for you guys a little bit more because I don't want you to leave. I don't want you to leave and not understand exactly what's going on. So that's my due diligence. That's what I'm here to help you do., right? So if you just stick with me for a moment, I'm going to help you to understand a little bit more about XRP, okay? And I'm trying to do it in a way where you understand it, where it's not like super difficult for me to be able to explain it to you, okay? Now, uh, for those who are asking about the, uh, iTrust Capital, uh, the link is in the description. There's a $100 funding bonus when you sign up with the link. I believe that at these prices, they're great prices to fund your Roth IRA. Why? Because there is no taxes. All right, so you have the appreciation that happens in this Roth IRA, and you will not have to pay taxes if this pans out the way we all know it's going to pan out. And they also have a premium custody account as well with a closed-loop system so that you don't get hacked, because you can't take the, uh, money or the, the crypto out into a different wallet. So they don't allow that, and that's to safeguard you. You can trade 24/7 in that account You can also buy silver and gold. They sell silver and gold backed by real physical silver and gold. They also have USDC coins. They also have staking with Ethereum and Solana. And so if you have any questions, go ahead and check that out. They have amazing customer service, so they'll help you out with that. And anybody who is looking for a cold wallet, because I like to have it on the brokerage and on a cold wallet, I do have also a 10% off on Tangem. If you haven't gotten a cold wallet yet, they're doing some amazing things as well. All right, now listen, okay, because I want you guys to understand this, right? I want you guys to understand. Yeah, uh, people can't look past tomorrow. That's— yeah, yeah, I think y'all just want— some, some people just want— not y'all, but a lot of people just do not want a, um, they want money right now, today. They have no patience. But guess what? Like we always say, wealth is moved from the impatient to the patient. So again, I'm not putting a price point on this at all. I'm saying in its full capacity it has to be utilized, um, in order for it to get where— to these high prices. It has to be fully utilized, and to be fully utilized, it has to come with a liquidity crisis, okay? It has to— there has to be a financial collapse, okay, right, for, for XRP to actually go where it needs to go. And but there's— listen, I, I gotta— I have a video coming out tomorrow that explains all the way back in 2008. Okay, I want you guys to know this. We've been dealing with a crisis since 2008. Nothing's changed. Okay, they just patched it up. And I walked through that video, uh, you know, in a little bit more detail about how we've been still dealing with the same problem. We've been living with a liquidity problem for a very long time. They didn't actually fix it in 2008. They didn't. What we did was we stabilized the surface, but the pressure never really left. Right? So we have to understand that there's still a problem and there's a solution that is already existing, and they're just, they're just waiting on the problem to, to really demand the solution that's already in place, okay? And so anyway, again, hit that like button, hit that like button, because I'm going to help you to understand a few things today, okay? So, um, here's where I'm going to start, because again, there's, uh, there's There's a guy, uh, and I think he scared a lot of people by saying, oh, XRP can stay at a dollar or $2 or whatever. Okay, so, um, and I disagree. All right, I really, really, really disagree. And I want you to know, um, that I, I understand where he's coming from, right? A lot, a lot of people argue against versions of, of his idea that, that aren't accurate at all as well. But I understand where he's coming from. And let me just help you all, because some of y'all don't even know who this guy is and what he said and why people got all afraid about the price of XRP. XRP, right? And again, this is all long-term. I'm not saying the price is going to go up tomorrow. I'm not saying it won't have a euphoric or speculative run and come back or whatever, but I'm saying that the utilization of XRP will come to its fulfillment when there is a— some type of geopolitical crisis, some type of liquidity problem. Um, it's going to be used at full scale. We don't know the price. Nobody can actually predict it, okay? Nobody can tell you unless they feel like they heard from God. Nobody can really tell you the price. Why? Because we're not the ones setting it. I believe they already set a price. I believe they already set, uh, like a price that it'll go to and a floor, right? So here's what the guy is saying in plain English, just for some of you all who don't know, so I can debunk it for you because I get this question a lot. What they're saying is— and let me, um, go to the Super Chat. I don't know, and I'll get to any Super Chats. I appreciate you so much for sending this. I don't know much about XRP or the market, but I trust your knowledge. Thanks so much. For keeping me engaged. You are so welcome. And again, you know, I always say it's not financial advice, but I have done a lot of research on this and I'm very convicted about it because of all of the research I've done. And I continue to do my due diligence. I continue to research and look and follow, um, the liquidity and, and follow what, uh, Ripple is doing. All right, so here's, here's the, here's the scenario in plain English. Basically, the guy was saying that XRP doesn't need to be priced high because it doesn't um, need to be held like on the books basically. So the idea is that XRP can be reused, it's reusable. So instead of banks or institutions holding massive amounts of XRP on their balance sheet, what they can do is they can borrow it, they can use, use it briefly to do what they need to do to move value, and then they can put it right back on the exchanges. All right, like some kind of integration where it's like, um, you know, here like where diff— there's different options of how much you can pay to, to use it, and then you can send it right back. Okay, so think of it like this, okay, because I like to break it down in simple terms, right? Uh, think of it like this: you don't need to own a truck if you can rent one for 5 minutes. You can move what you need to move. So you got to move some things out the house, and it's like, you don't need to actually go and buy and own a truck to do that. You can just rent it, and then you can return it. Now, if that truck is always available or cheap to access and easy to return, then owning it does not make any sense. Why I'm gonna go and buy a truck that I don't necessarily need to buy. If it's very cheap to, to just rent it and do what I need to do whenever I need to do it, then what's the point of buying it? Okay, so that's the framework. Now, in that world, XRP is basically constantly circulating, and the velocity is very high, and supply keeps moving over and— you know what I'm saying? Supply is continuous, and the, and the price doesn't need to rise dramatically, of course. So from that perspective, the system does work because XRP stays inexpensive and fluid. Okay, there's fluidity there. But here's the part that I want to be very clear about. That explanation does make sense in a specific environment. If the markets are calm, if liquidity is always available, if exchanges are operating normal, if nothing freezes, if nothing breaks, in that world you can absolutely make the argument that XRP functions as a low-price utility. So when people say, why would XRP ever need to be expensive if it can just be reused? Okay, that is where that question is coming from. And I don't think it's a dumb question, but— and this is where the disagreement starts with me— that explanation assumes something very, very important. And here's what it assumes. Here's what it assumes. It assumes that nothing will ever go wrong. That's it. That's what it assumes, right? And that assumption is where the framework is going to fall apart very, very quickly. Why? Because XRP wasn't designed for a world where everything was perfectly— that's— I don't, I don't think people still get it. That's— it was designed as a solution to a liquidity crisis, to when things stop working. And if you don't include that reality, you're not explaining XRP, you're explaining a payment tool. Inside of a calm condition. You're not explaining XRP, right? So that is the difference. Let me look at some of the comments. That is the difference that, that we're having right there. Okay, uh, uh, thank you so much, just subscribed. Thanks for your knowledge, sis. Are you also in ministry? You look like a minister from Chicago. That's where I'm from, from the Chi-Town. Uh, I— yeah, I'm from Chicago as well, and, uh, we— yeah, we have a ministry here. So I am— you may, you may know me and you may have seen me at a conference or something at some point. Um, all right, XLM also, uh, say we'll get mass adoption before XRP. And I mean, we'll see. I'm, I'm just as bull— I'm just as bullish and, and sold and, you know, on XLM as I am XRP. Same thing, right? Um, I, I love them exactly the same, right? Say 1310 in The Simpsons. It's interesting how The Simpsons has gotten so many things right. What's up from, uh, Australia? I, I appreciate you being here on the live. All right, uh, just looking to see, uh, I'm buying weekly on XRP. Your stepmom is in Chicago. I see it. Yeah, so, uh, I'm trying to get her on board. Yeah, it's very, very difficult to get your family on board, right? Because they're not being educated. Look at what you're doing here. You're sitting here, you're understanding a little bit more about XRP, right? What's up from Costa Rica? HBAR. I love HBAR. I'm buying HBAR every day, okay, at 8 cents. I love this price, and if it goes lower, I'm going to keep buying. I've been buying HBAR for years, okay? I've been buying HBAR for years, years. What's up from Tennessee as well. Now listen, listen, what I want you guys to understand is because again, the way a lot of people understand XRP is in a calm market, not when liquidity breaks. So let me give you a picture real quick. I just want you to forget XRP for a second. Forget about it. Forget about crypto. Forget about the charts. Forget about the price. I just want to paint a picture. Now imagine this, okay? You have a house that's worth millions of dollars, okay? Maybe it's worth half a million dollars. Let's be, you know, let's say it's worth half a million dollars, okay? Because people don't like when I, when I get, when I dream, okay? It's worth half a million dollars. Um, so on paper you feel like, okay, I'm wealthy, I have this asset. Um, not, you know, super, super wealthy, but you, you got a nice asset that's worth a nice amount of money., right? And then one morning you wake up and your bank— you, you try to get on your app, your bank app, and your app not working, right? It's not loading. And then your credit cards, you go to try to use them and they decline. And then you're like, okay, let me go to the ATM. You go to the ATM and it says temporarily unavailable, right? Um, and then you, you, you call them and they're like, no, I'm— the transfers are frozen right now, we can't get to your money. And you need $10,000 right now today, like you need $10,000 for whatever. You have an emergency, you need it, not next week Not when the system come back on the line. You need it right now. Now, you didn't lose your house, and your value of the house didn't disappear, but you cannot access it. Okay, you— it's there, but you can't access it. Okay, that's what you call a liquidity crisis. Okay, even for people who try to unravel this supply and demand, and they try to get the numbers and stuff like that together, And they're like, well, no, because the ETF flows is this much, and then Ripple is putting out— no, no, no, no, it doesn't matter. You can't access it, right? So it's not about how much something is worth. It's not. Why? Because the house is worth $500,000, but you can't access it. It's not about how much it's worth. Nobody cares. Like, well, do you got a house? Yeah. How much is worth? $500,000. Nobody cares. It's about whether or not you can turn value into action when you need it. When you need it is the key word. Now take that exact situation and scale it all the way up. Not one person, I'm talking about banks, okay? I'm talking about banks. Not $10,000, I'm talking about billions. Cross-border payments that must settle, debt that must clear, obligations that cannot wait. Now ask yourself something honestly. In that moment, do you think banks are gonna say, oh, don't worry, we just gonna borrow liquidity from an exchange real quick? You think that's gonna work? Because when stress hits, the exchanges are gonna pause withdrawals. You'll see. Matter of fact, we saw it on October 10th. We couldn't get into our accounts, right? Your order books is gonna thin out, counterparties disappear, systems slow down, velocity collapses, all of that. The very thing that makes the reuse model stop working, okay? It stops working, right? Um, accounts. Let's see, I'm looking at some of— but by 10, I see you got— you guys got some silver uranium. I love it, I love it. Uh, Canton, um, I love Canton. I love Canton's network. Um, just looking at some of y'all's stuff, just saying what you said. Uh, I saw another, uh, but I, I missed it. I couldn't get to it in time, so I'll get back to it. And somebody said, that is why Epstein— I just did a video on this. Uh, was against it because it was going to remove function of physical cash, right? And so I, I believe that— I already just did a video, I'm not even gonna go back into it because I talked about how they was trying to stop it all the way from 2014. XRP is here and then going nowhere but up. Just hang tight, that's it, that's all you have to do, that's it. And so again, I— that's what I believe, right? And so when you're looking at this, this old version of the, the price having to stay suppressed— and again, I'm not on a time limit for this, y'all, I'm, I'm really not. I don't know when that will happen. I can't tell you. Okay, I do know we got some things brewing in Iran and the reverse carry trade. I know we got some things. And do you not think that they, that if they, they needed it, they would use it? Again, it's the only thing with clarity right now, right? But this is the, this is, I'm telling you, the part that a lot of people are missing. In a crisis, borrowed liquidity is the first thing to vanish. And that's why institutions do not design systems based on like convenience and efficiency and best case scenarios. XRP's price suppression is— can be utilized in a best case scenario. Institutions don't design systems like that. They actually design it for failure. They're wondering if everything freezes, what happens? What happens if the markets break? If we need settlement right now, that's where XRP saves the day. XRP is not about moving money faster. It's about being a neutral— it's neutral. It don't take no favor on nobody. It's not your friend, okay? It, it's neutral. It's a neutral settlement asset that can function when the trust breaks, when the system fails, when liquidity disappears everywhere, okay? Everywhere else liquidity is gone, XRP can function. And that's why they're going to be holding it, and, and that's why they want it available, and that's why they want to pre-position. Because in a real liquidity crisis, you don't rent the fire extinguisher. You already have it in the building. Do you hear what I'm saying? And if you remove that scenario from the explanation, if you explain XRP as if the world is always calm, you have missed a huge detail. You missed the entire point, as a matter of fact. Okay, so I do want to say that. I do want to say that. Uh, thank you so much for your generosity. How do you feel about Robinhood and crypto? I don't like Robinhood for crypto. I, I don't— I would never leave my crypto on any, uh, um, in Robinhood, not on, not on their account, okay? I don't, I don't like how they've done things in the past, um, when trying to get access. Now if it's, again, if it's something that, um, you know, you don't, you, you don't need to touch no time soon, then that's, that's different when you're talking about stocks and stuff like that, because I, I do buy some stocks. On Robinhood and Webull, and— but I would never put crypto on there. I'm looking into iTrust Capital and IRA. I like that you are teaching. Respect. I appreciate that so much. And again, the link is in the description. If you do fund the account, they will give you that $100, um, funding bonus. And to me, this is some of the best prices to get in, um, into a Roth IRA. You can also roll over a Roth IRA, you can roll over pensions and stuff. And again, their customer service is absolutely amazing. So if you want to, um, reach out to them and just ask them questions, they'll be there for you. And if you have any problems, um, they'll take care of it. Trust me, they are, they are amazing. Now, um, okay, let me, let me say one more thing too, guys. I want to say this because I really want you guys to have a, uh, a, a really good picture of this. Robinhood pulled a quick one on average retail. We get— yeah, yeah, and that's exactly one of the historic reasons why I don't like Robinhood is because they pull one. And I'm telling you guys, um, that you got— you've earned my subscription. Thank you so much, I appreciate that. Um, and I would not have my— let me just pause and say this, and then I'll finish giving you the final, um, question that a lot of people have. I would not keep my XRP on the exchanges at all. Why? Because if something did happen with the geopolitical issues, if something happened with the Japan reverse carry trade, if something were to happen and as— and they were to choose to utilize XRP in a liquidity crunch, in a liquidity crisis, right, then first of all, things are going to dump, okay, because the revert— that's what the whole reverse carry trade is all about, is that you— they have to sell their positions to give back in to the yen, okay, because the debt now becomes too expensive to hold on to. And so this thing can unwind fast if it did. Now I'm not saying it can't be slow, but I'm saying if something would have happened, like oil would have spiked or something like that, something crazy, then, um, and, and they were to like, I don't know, have a, a hike in their rates— they already at all-time highs for their rates, it's already on edge, okay? And it is unwinding as we speak, right? If something were to happen, those exchanges are going to freeze up. If, if they're coming for XRP, because they're going to come to the exchanges for the XRP, there's not going to be any available if, like, for example, a lot of things will have to take place. So I'm not here to say that it would just be an easy breezy thing. It wouldn't. Like, I think BlackRock would have to come out with an ETF to eat up the circulating supply and stuff. But if they come to the exchanges, because that's what they're going to do, and there's not enough supply, we don't— you don't know what's going to happen to your XRP. So that's the one, and you don't own it. They owe you. If your XRP is on the exchange, they owe you your XRP. Whatever you got in there, if you got 1,000 XRP in there, if you got 500, they owe you 500 XRP. It belongs to them. If it's on the exchanges, it belongs to them. Get your stuff off the exchanges. Nothing I say is financial advice, all right, but get your stuff off the exchanges because you're not— it's going to be difficult for you to access it if something were to happen, right? Especially at XRP. And that's why I do like cold wallet. I have mine in cold wallets. I have mine in a brokerage account, right? I have some of mine in Caleb Brown. Why? Because I want a broker that I can talk to and that I can call and that I can sell my XRP at the right— I want no problems. I need to sell it and I need to sell it now. I already got my sell orders in and I need to move it to my account. You're not going to be— you, if let's say it did go to high digits or at some point you were to sell, you sold a lot of it, maybe you got a lot of it or whatever, and you or to try to sell it on the exchanges, you're not gonna move. They're gonna put a freeze, more than likely, if you're moving large amounts to your bank account. They're gonna— they— you're probably not gonna be able to. You know how banks work, y'all. Come on, y'all know how banks work. First of all, if you even get that sell order, and then you're gonna have slippage and all kind of other stuff, right? And so I would get it off the exchanges. I, I do use Caleb Brown. I have some of mine in Caleb Brown for sell orders to go through. I have some of mine in iTrust Capital in a Roth IRA because I want the tax, um, I don't want to have to pay taxes on, um, that my XRP there. I got HBAR, I got XDC, I got XLM, I got all of that in my, um, in my Roth IRA. And then I also have some in their premium account. Why? Because at some point I'm going to want a long-term relationship with them to get yield. I'm just, I'm not selling that. I'm just letting it sit, letting it appreciate, and then eventually down the line Um, as they come out, as they roll out with yield, I want to get paid real yield on that. All right, so imagine it appreciating and you're getting yield on top of that. Ripple is US company, how is it globally neutral? Well, we're not talking about Ripple, we're talking about XRP. Remember, XRP is not a security, so it's not tied to Ripple, right? So XRP is neutral, it's a neutral, um, asset, it's a neutral fast settlement asset. It has— yes, it has something to do with Ripple, but not in the sense of it being a security like a stock has a connection to a CEO, right? So I always use the example like Tesla, okay? Elon Musk, if he— if some— like when he was in politics and, and at the White House, people didn't like that, right? So the stock sold off because of that, right? And so if he do something, uh, good or bad, then the stock could move to that. If the company— if something happens with the company, good or bad, then the stock is going to represent that. XRP, it's just like, the only way I can get you to understand, it's like gold, okay? Like, gold is not moving based on a CEO of anything, okay? So that was what the court case was about, is that Ripple— they were trying to say that Ripple, you were selling people XRP as if they— that as if you, you were selling them your, your company. He's, uh, Ripple is like, no, we have nothing to do with XRP. XRP is in and of itself its own. It's a fast settlement utility. You know what I mean? So we don't have any connection in that way, in that alignment. Okay, uh, absolutely. They say it's their North Star, and so everything that they do is for the good of XRP. Absolutely. But it is not a security, so it's not, um, it's not connected to necessarily what Ripple is doing. Now, will, will you be able to have connection to what Ripple is doing? Yeah, if they IPO, if they decide to do that. Absolutely. And I think it's going to be a banger. All right, so you, you may be able to get stock eventually in Ripple, but XRP is not stock in Ripple. Okay, so, uh, just wanted to kind of clarify that. Um, cold wallets. Yes, cold wallets. Um, and again, I've already— I've talked to Tangem. Theirs is so easy, um, to deal with. You, you definitely want a cold— you want your, you know, your long-term stuff that you just have to decide. You want that usually in a cold— you, you want some of your, um, because you own it in a cold wallet. You know, the brokerage account, this is leverage. Every account does something different, just like my Caleb Brown account do something different, just like my Roth IRA account do something different, just like my stock accounts do something different in Charles Schwab, just like my Fidelity account do something different, just like my HSA account do something different. Each account has a different purpose. And so, um, you want to be set up, you want to structure yourself and start getting organized, because I'm telling you that I believe that there's going to be multi, multi-millionaires and billionaires. And, uh, and there's banks and institutions that are now starting, um, to really— they're really starting to position themselves. I'm watching the whales, I'm watching the institutions. Now the, the, the last thing I do want to address too is because I want to clarify this as well, right? Um, create your own code. Yeah. XRP is fee? No. Um, so, uh, no. Uh, okay, I got a couple of questions coming in and I'm gonna just answer one. I'm gonna— um, no, Caleb and Brown does not. Oh, is it— is it a minimum? I think that's iTrust Capital, that's a minimum of $500, not Caleb and Brown. Um, I don't think Caleb and Brown, you can actually move— you don't have to put money in Caleb and Brown, you can actually move your XRP straight there. Okay, so same thing with the iTrust Premium, uh, custody account. You can move, you can move, you don't have to necessarily put money in there now to get the $100 funding bonus like for the Roth IRA. Yes, but if you want the— if you want to just move your, um, crypto there, you can also move it there. Okay, now in any Roth IRA you have to fund it. You cannot just move because you have a limit. They have to keep track of how much you put in your Roth IRA per year. So any Roth IRA you have to move money in there and then you have to buy the the, uh, the actual assets. That's with any— just like if you're buying Amazon in a Charles Schwab, I, um, I, uh, Roth account— Roth IRA account is what I'm trying to say. Um, so you have to move money there and then buy it. But if you're dealing with, uh, Caleb Brown and you just want to sell there, you can just move it from— you can like— that's what I did. I moved, um, I already have, uh, XRP in cold wallet, so I ain't— I wasn't worried about that. I moved a lot of my exchange, um, uh crypto into iTrust Capital, and I moved some of it into Caleb Brown. Caleb Brown are my sell orders. iTrust Capital are my long-term relationship and my Roth IRA. Okay, so I just want to break that down because I know a lot of people have, um, uh, I personally like Tangem, um, a lot better. And I got several Tangem, uh, wallets. I got, I just got some, I just moved some, some for my— I said this like a couple of days ago, I just moved some for my niece and nephew and my kids. On a Tangem wallet. And you can have more than one account on a Tangem wallet, right? So they have theirs, I have my different accounts, and you can just swipe over to each account, okay? And, um, and they have options. They have a ring, they have— you can do a seedless phrase, or you can add the seed phrase to it. So they got options, um, and, and you can stake and you can get yield and all of that, right? And so again, I'll have all those links in case anybody want to check it out. They all have great customer— the only people that I've ever, um, have ever partnered with are people who I already used their services way before partnering. And that makes it easy for me because I'm not trying to convince you of something that I don't believe in and I don't use. I don't want to ever do that. Okay, now the market cap. A lot of people do question this idea of the market cap as to why XRP could never go to a high number because of the market cap. Okay. Um, because the market cap is— let me just say this, um, because here's where, here's where the mark— the market cap logic starts to break down, okay? Because market cap is a calm market metric, okay? It assumes that things are again functioning very normally, okay? So every, every which way you bring this, it's, it's almost like this idea that everything is functioning normal, right? So it's going to assume that there's always a buyer, that there's always a seller, that always, uh, there's always liquidity just sitting there waiting. But in a— again, in a real liquidity crisis, y'all don't understand it because y'all thinking about a personal crisis, okay? We're talking about a moving billions and trillions of dollars crisis, right? So you're not wondering, you're not trying to figure out what, you know, uh, the price point, or you know what I mean? Like, is it this high? Is it— you're just trying to figure out what can actually settle this right now. What can settle this? We need this fixed. We don't care about nothing else but having this fixed. And when the systems are under high levels of stress, price is not going to move the same. None of this stuff works the same in a crisis. I don't think you guys understand that. That is why— look at my video tomorrow about the housing crisis. The housing crisis was not the problem. It was, it was the, it was the symptom. It was a symptom, okay? There was other problems that were already existing. Okay, none of this stuff works normal. Just like the housing, everything was nicely set— no, everything was safe, supposedly safeguarded. No, everything broke. Okay, and things didn't happen the same as when they broke as when everything was okay. Okay, they just— and, and even since then, they just been patching up stuff. So when things break, it's not going to respect any model, it's not going to respect price,. It doesn't care about what should be possible. None of that is gonna matter. Your price prediction, my price prediction, none of that is going to matter. Things will reprice according to what needs to happen. And that's why emergencies don't play by the same rules that retail investors are used to. That's why y'all can't comprehend this, because you're used to a system of how everything works when everything is working perfectly fine. So this is where the XRP stays cheap forever. Because it again can be reused. It, it runs into that wall because at small scale, of course it is fine, but at institutional scale, low price is going to create friction because the cheaper the asset, the more again units you need, the more units you need, the more strain you put on a settlement, the more strain again you put on a settlement, the less stable the system becomes. And that, that's not gonna work. So I'm trying to give you the happenings or the reasonings behind it. It is about compression. It's about moving more value with fewer units. It's about cleaner settlement and less stress when the system is under pressure. And again, XRP, if it's never actually needed, um, it, it's not going to be needed at the same scale when things are calm. It's going to be needed when things break. That's it. That's the— that's why it exists. I don't think people understand it. When it is needed. It will not behave like assets that people are used to. That's, that's it, okay? And it, it would, it would absolutely— because it's not going to move again because you and I are excited. I know we're excited, but that's not gonna move it. And I'm trying to be realistic with this. I'm trying to be balanced with this and let you guys know it will move because the system has no alternative. That is when it moves. And that's the difference between explaining XRP as a utility in calm conditions and understanding it as a solution built for instability. If you do not include the instability, if you do not include the financial problems that exist currently, you will not understand XRP and what it could do. All right, and so I want to help you to get that. And so I do definitely— I'll put the link. I don't— I maybe I didn't put the link in the description. I'll go ahead and do that as soon as I jump off. Don't worry, it'll be in there. Um, literally as soon as I jump off, I'll add it to it. Um, I probably just didn't do it yet, but there's also— if you do want to buy a cold wallet, it's a 10% off with that. All right, um, all right, let's see. Uh, but duped. Okay, uh, well, yeah, you, um, hey, you, you know, I've always been very open and welcome for people to disagree, right? So yeah, um, Kamilah Stevenson is vivacious and, uh, but duped by Brad and Company. I want to read that out loud in case you're just listening and not, and, and not actually, you know, some people are just listening, um, to the live. Um, yeah, I mean, that's your opinion. Um, but as an XRP holder, I think you take the bigger risk than I do. Um, and I think the only people who don't believe in XRP are people who are not educated about it. So my question is, like, how educated, um, are you about XRP? And you're talking about Brad and the company. Again, I'm— although I do think that what Ripple is, uh, doing is in good faith for XRP, The fact that you even connected those two together lets me know you still don't understand XRP as a utility asset. It's a neutral bridge. You still don't understand it because it doesn't matter what Ripple does. It don't matter if Ripple collapse, if their company completely collapsed, it doesn't matter. It's still not going to affect XRP. XRP is going to be utilized when it's needed, when there's a necessity for it. Right? And on the same token, it lets me know that you probably don't really understand XRP. Because think about this, really, y'all, with everything that XRP— I just told y'all, they got networks with 300, over 300 companies. Like, they, they have partnerships with— look at everything they're doing. They're a bank. So wouldn't you think that if there were a bank and stuff like that, if it was connected, wouldn't you think XRP would be to the moon right now? That lets you know it doesn't matter what Ripple is doing. XRP stands alone, okay, like a commodity. And when it's needed, it's going to be utilized because it was created not to function and move with Ripple. It wasn't created for that. And so even when people connect the dots together, like, you've been duped by Ripple, it has nothing to do with that. XRP doesn't move to the beat of Ripple in that sense. If it did, it would be a security, and it's already been deemed not a security, you guys. So there's still a misunderstanding. It just lets me know right away it's a neutral bridge. It's a— it doesn't matter. Ripple could have the worst— all the partners could come out of Ripple and say, Ripple, we ain't, we ain't dealing with you, okay? And I guarantee you, in an emergency, whatever is needed to help handle that emergency where you got trillions of dollars stuck in a flow, you got a blood clot in the middle of blood flow, I can guarantee you, you gonna use what's available. I don't care who you like and who you don't like, okay? I can guarantee. So again, we're reasoning ourselves in logic in calm conditions while everything is just hunky-dory. Trust me, I've given this example several times. Things work different when you're in an emergency. If you're at the risk of losing trillions of dollars or something collapsing, trust me, what works? Do we got a solution? I don't care who it's connected to. I don't care what's what. We need it. It's just that simple. Yeah, yeah, yeah, yeah. All right, so I just wanted to explain. And listen, I thank you so much. I see somebody agree. Right? And you can disagree. I, I promise you can disagree. It's okay. That's why I put up— that's why I say, hey, it's a lot of people who come on here and be like, you wrong, you're, you're crazy, you're ignorant. And that's your opinion. I don't have an emotional take on it. My thought is, if you don't believe in it, don't invest in it. I, I— that's my wisdom, actually. Don't invest in it if you don't believe in it. Invest in things that you know and you believe. Invest in things that you're convicted on, right? That's what we can agree there. Like, let's, let's, let's disagree. Let's agree to disagree there. And then let's agree on this: only invest in things that you understand and you have education and conviction on, right? So that's where we can at least agree, because I like to come in the middle somewhere, right? So I appreciate this. All right, let's look at a couple of more. Say, one of my highlights of the day. I love it. XRP was made to be $10,000 per coin, said David Schwartz. And, you know, I really think the banks have already come together and to— I Y'all don't understand. They— I think they have to come— I think they have to agree on that. They cannot move value and do it with one another if they don't agree on that. They have to agree. So I think that there has been conversations that we're not privy of that's already happened, and it's going to be up to the, the powers that be. Why? XRP not made for you and me. So if you don't believe that it's going to go to high digits, why don't you go talk to the banks that are a part of the network that have accumulated? You, you, you can't, you can't just discredit what I'm saying. You need to go talk to the banks and ask them what are they saying about utilizing— go talk to SBI, right? If you haven't talked to these banks and institutions, how are you You know what I'm saying? Like, how, how are you saying what it can't do, right? So, and it's, and it's only a limited amount of them, right? So yeah, um, but again, hey, if you want to trade XRP, you can also do that because if we get the Clarity Act, everything's on a utility level is probably going to take off and you can make some pretty good money, right? So that's another strategy that you can have as well, right? Both scams, XRP and which one, XLM? Then you think they both scam. So my suggestion to you would be don't invest in them. Listen, y'all, I invest in a lot of other stuff. Um, I love CANTON, I love, uh, uh, HBAR, I love XLM, I love XDC, I love Chainlink, I love Ondo. Like, there's a lot of other coins that I also invest in. There's a lot of other crypto that you can invest in outside of XRP. You do not have to invest in XRP. But this is for people who are invested in XRP to understand XRP better, the utility and the reasoning behind why it could be priced high. It is not impossible at all. I've explained it several times, you know. And, um, and so, um, Kamilah Stevenson is right, uh, Ripple doesn't control XRP. It doesn't. And so that's how I know that some people still don't get it because they're still looking at it like a stock. And mentally, on an identity level, if you look at XRP like a stock, you're gonna— your conclusions will be all wrong about it. You're still looking at it like a stock. You gotta stop looking at it like a stock if you want to even a strong foundation to comprehend XRP, okay? Um, and you got to understand what it'll legitimately be utilized for. You know what I'm saying? Like, XRP depends on the failure of the current financial system. That's what it depends on. I'm— I don't know no other way to say it, y'all. It depends on the failure. Like, seriously. All right, um, so I wanted you guys to understand that. And I'm saying, you know, and yes, learning is, is key. Because you're not going to understand it unless you understand the failure of the financial system, right? So, um, Ripple and XRP are two different worlds. Listen, and I'm telling— that's what I'm trying to explain to you guys. They're two different worlds. I know y'all keep connecting them like a stock, like a stock in a business, like Amazon and the CEO. I know, I, I get it. Like the stock that you buy, Amazon and Google, you're looking at it like that. Um, and maybe you just need some education on blockchain and, you know what I'm saying, digital assets and utility coins and fast settlement and what they do. And you know what I mean, maybe you just need some, um, understanding on that. Thank you so much, I appreciate this so very much. Uh, thank you for all that you do. Wanted to ask if you feel the price of XRP could touch $100 by late 2020. APS not holding you accountable at all. Um, So nothing I say is financial advice, but yes, I do. Why? Because if, um, I do— and when you say, do I feel the price of XRP could— absolutely. And if you want to know cleanly, I go through this in one of my videos where I talk about the reverse carry trade and if there was going to be an acceleration of geopolitical tensions that would cause, uh, the reverse carry trade to unwind. Now do understand it will be a horrible day for a lot of people um, just temporarily. Why? Because everything will be sliced, uh, because people will start to sell back their stocks and, and their crypto and everything. Like, crypto is very easy, you know, very easy to get liquid. Um, so they're gonna go straight to the risk-on. They're gonna— so you would see a strong pullback, and you would see stocks and, and the market all across start to decline pretty much if you were to see that. Why? Because Remember, Japan was giving out loans for pretty much 0%, and then it was taking those loans and then it was investing it into the US stock market, right? And so as the interest rates started to increase, obviously it is more— it's costing them more to keep those loans. So if their interest rates were to start going up really suddenly because of something like, for example, an oil spike or something like that, um, then I mean a lot of things will have to happen, but there would have to be geopolitical tensions for them to like get together and say, we got, you know, the price— the— if you look at the 10-year bond, the 30-year bond, all of that, it's already at its— at the highest levels it's ever been. If that would have happened and fast forward, um, they were in a liquidity crisis and they needed a solution, they would 100%, probably 99, um, 90%, I'll say— I'll leave room— before the Clarity Act. After the Clarity Act Clarity Act, there is competition, okay, with who they could use, with who Japan could use to solve this issue, right? And so they've already integrated XRP, they've already tested the rails, it's already integrated into their entire system, right? So I think they would choose XRP before the Clarity Act if something like that were to happen. And I don't think it would take to 2028 for something like that to happen. Now that's a, that's a possibility. Other than that, honestly, I just tell people I'm like 5 years out. Why? Because first of all, a cryptocurrency, um, cryptocurrency is still kind of on the 4-year cycle in a sense, right? So it's always been on a 4-year cycle. So if you hold crypto, you have to at least be thinking 4 years out. So I don't think under 4 years, right? I don't think under 4 years. And even the reason why I have a strong position now is because I was buying 4 or 5 years ago. So I don't, I don't need triple digits, y'all. For it to bless me. Honestly, I don't, because I've been buy— I've been holding— I've already went through a 4-year cycle. This will be my second 4-year cycle in a sense, right? So if you're just coming in, you gotta wait your time. And because you either gotta wait your time because you don't have enough, right? Or you just— you gotta wait your time because the price isn't where it needs to be yet. So you, you, you should always be thinking— I, I would tell nobody to get in crypto if they're not thinking 3 to 5 years. 3 on the low end, 5 on the high end. Does that mean that things can't happen, uh, before that point? Absolutely not. Then we know things can happen before that point, you know, we've seen it before. But that's how you should be thinking. Um, but me personally, yes, I think that we'll, we'll— especially if we get the Clarity Act, I think we're going to be in for some— we're going to have— there's money waiting on the sidelines to get in. There, there'll be, uh, uh, institutions will start scaling in the way that they need to. They have trillions of dollars on the sideline. If we get the Clarity Act, game is on, okay? We are going to have the time of our life. Before the Clarity Act, again, something devastating has to happen. XRP is never going to get to these crazy numbers that we're talking about unless there's a liquid— a financial crisis. Prices. I just want y'all to know that, okay? It can get— it can be— it's going to be utilized and it can eventually scale, but it was the only reason why it gets to those prices is in a fight, in financial devastation. I want— I believe that, okay? But do I believe that that's going to happen? Yes, I believe it's going to happen. I, I think that's how— I think it's planned. I'm sorry, I think it's planned, but there, there has to be a failure. There has to be something. I just think they're going to use you know, oh, this was the problem, this was the— but they all— it's all— it's always been planned, y'all. But it's going to take a crisis, I think, for it to reach those— the type of numbers that I'm talking about, or that you may see people talk about. It will have to— there will have to be a crisis. Like, it's used as a— it's needed, it's desperately needed, okay? So, but other than that, yeah, it'll, it'll, it'll run just like all the other, you know, or, or let's say if we don't have like a crazy util— um, you know, liquidity crisis or something like that, it would just take much longer to, to scale to those numbers. I just don't see it getting to those numbers unless we have a liquidity crisis. I'm sorry, I— it would need to be repriced, okay? That's what I believe. Um, but I believe that that will happen, okay? That's my belief. Nothing I say is financial advice, seriously. Um, Thank you, I appreciate that. And you are too. I appreciate that so much. But yeah, I love hearing, I love hearing all sides of this, you guys. I believe Ripple is manipulating prices, and you know, a lot of people do, you know, just because of, you know, how much they keep, um, pulling out of escrow and stuff. Um, so we'll see. But whatever they're doing, um, whatever they're doing, it will be for the institutions and the banks. So we're just a byproduct of all the manipulation that's happening. Uh, remember, it's not for us. It's not for us. So whatever deals and NDAs and stuff, we don't know all of that stuff, right? I love the fact that the queen is teaching and not soliciting. Soliciting, uh, haters will not listen, they just like to argue and armchair team owners, no affiliation with any but hating trolls. I get it, you know, it's okay, it's okay, y'all. I love to hear all aspects of it, you know, bring it on, bring it on. It's, um, and hey, invest in what you believe in, right? Uh, did you get your free crewneck sweater for XRP Day? I did not. I did not. And I want one. I'm gonna get a lot of XRP stuff, don't worry. I need hats, mugs, and everything. Um, the powers that be wants retail to believe XRP stay at a low price. Absolutely. They don't want us in. Do you think they want us in? Listen, go back and look at the history of every— they took it off the exchanges. They in New York, um, they said they, they pulled it out like and said do not invest in XRP. You guys don't know how much has been suppressed over the years. You all haven't been following it. Go back and follow what they've done with XRP. Court cases, pulling it off the exchanges, telling people not to invest in it, calling it a scam. Like, all— they have done everything possible. Why? Because they don't really— I mean, they don't want you in, but I don't think retail being in right now is a big deal. Why? Because most retail are not in. There's only a very, very small percentage of people of retail who own XRP, and the majority of us own more than one cold wallet. So even when you look at all the cold wallets and stuff owned by XRP, the XRP Ledger, it's not that many, you guys. It's not— I don't know how many. I don't— it's not that many compared to all the people in the world. It's not, okay? It's not. So they're not worried right now because there's not enough retail involved. There's going to be a small handful of people that win. So like, it's not a lot of people, you guys. Most people are invested in like Bitcoin and, you know, Ethereum and other— you know what I mean? Like, they're not XRP. No, nope. So they ain't worried. They ain't worried about retail. Retail don't have enough of it. It's a small percentage of us. It's a small percentage of us that's going to have the victory, okay? Not saying— now y'all know I love all the other coins too. I've named a lot of them that I'm truly invested in. Right? So, um, I'm investing in a lot of other coins. They're utility coins. I even talked in my membership about my 5 main coins. I absolutely love Quant. Trust me, some of these other coins are a game changer. I think they're going to do absolutely phenomenal. I'm investing in them. I'm buying them right now. Um, I've been buying ZBEC. I— it's a lot of other ones I've been buying, y'all. So, um, yeah, thank you so much. I appreciate the super sticker. You guys are so sweet. I appreciate it. Facts Will Say, love it. Yeah, so I do, um, yeah, we'll find out which narrative is BS. The exit liquidity for Ripple to profit off the retail, or is it the chosen one? I DCA with money. Yeah, and I don't need it in case it turns out to, you know, yeah, okay. So that's another thing, because while you're— while I'm speaking at something is coming through my head as to say this is why I tell you guys to scale in and scale out. Right? If you're— even if I don't want you buying anything on hype, even if it's me, I don't want you listening to me and going to buy just based on— that's hype, that's not being educated. I am really pushing y'all to be educated about it, and I'm bringing the education so— and bringing the news and bringing as much research as I can so that you can understand it a little bit better. But I don't want you doing it based off of hype, or, oh, let me go dump my next month because I think it's about to you know, go up to this. I don't want you to do that. I want you to be smart. I want you to be patient. I want you to be calm. I want you to calm your nervous system and make healthy, intelligent decisions. I have been buying this for a very long time. I didn't know— I didn't dump no million dollars at once into no XRP, okay? I've been just slowly dollar-cost averaging, slowly investing, little here, little there, in a way that is not painful. I do not want you guys to experience pain from investing. That's not what investing is all about, right? And the best way to not experience pain is to first get your mindset in order and be long-term. Dollar cost average. Understand that there is going to be volatility. Know that before you even invest, there's going to be a lot of volatility, especially with crypto. It is the most volatile. It is a risk on— they're risk-on assets. They're going to be the first to dump, right? We love your passion. Thank you so much. I appreciate this. I love the super sticker. You guys are so sweet. And so I don't want you guys to be in pain about this, and that's why I'm trying to educate you guys. And I'm going to get to the rest of the Super Stickers. Uh, I Love Chats, my sixth sense sees wealthy and broke people in here just from reading the comments. Absolutely. JoJo from Joe to See is a troll. Dr. K, you the best. Thank you, I appreciate that. And yeah, you know what I'm saying? What's up, uh, Ricardo? Um, yeah, some, some people— it's okay, I, I'm okay with the trolls, you guys. I, I'm not emotionally moved like that. So thank you so much, um, Drac XRP, all of the deep comments this evening. We're in good hands with Kamilah. Thank you, I appreciate that so much. You guys are sweet. Um, I'm okay, guys. Uh, I, I welcome all of it. Thank you, Michael, I appreciate this. I welcome all of it, all right? I do. And I, I know that people will disagree. I mean, I, I would be a fool to think that people wouldn't disagree, you know what I mean? Like, I, I'm— I would be a fool, right? Um, Yeah, it's a lot that Japan— I see Japan could use Jasmine. It's a lot that Japan could use, but, um, the problem is, uh, the problem is what I'm saying right now is there will be competition after the Clarity Act. Nothing has, uh, legal clarity right now. Nothing has regulation, okay? Um, they don't know what the rules are. They don't, they don't have any rules. Um, they don't know how fast it can go, how slow it can go. They have no rules. And so before the Clarity Act, XRP shines above all of them because it already has legal clarity that it's not an SEC— uh, that it's not a security. The rest of them are trying to figure out if, you know, if it's a security, if it's a commodity, what are the rules to this, how fast can we go, how slow can we go, you know, all of those different rules. I'm just— I'm speaking in terms of driving, but y'all, y'all know what I get, right? Somebody believes XRP will be $1,000 by 2030, and we'll see what that looks like. Again, just stay long-minded and, um, don't over-leverage yourself and don't gamble. You know, I talked about that the last time. Go look at my live. Do not gamble. I'm just Making sure I don't have any more Super Chats. Um, also, if you guys, um, also are interested, the link is all, all the links are in the description for everything that we talked about. iTrust Capital, um, Caleb and Brown Tangent is in the link as well. And then also my coaching program, we look at portfolios, uh, we do live Q&A, there's, um, uh, there's material there, resources, um, just to really help you build your confidence and wealth and, and be able to structure yourself, structure your blueprint. We talk about your, uh, you know, your LLCs, your taxes. We get you all situated and what assets you should be investing in, of course, in Lifetime. And so the link is in the description for that as well, um, if you guys want help with that and accountability. Uh, the community is growing and we're adding— I actually was just adding some new videos, um, into my community today, and I got some other ones that I'm going to record. So we're adding value as we go because the environment is changing, and I'm going to keep you up to date on everything that's happening. I'll be back on live on Saturday. Make sure you continue to watch the pre-recorded videos. They are being released, um, tomorrow. I will be talking about exactly what happened, um, back in 2008, so look out for that. Um, thank you so much. I appreciate this. Roscoe, if XRP took between 5 and 10% of SWIFT business, what price could you see XRP at there? Oh my goodness. Um, uh, now you're talking. Now, now you're talking the logic of market cap, okay? If you, if you bring it in, uh, if you're increasing the market cap, then you can talk about prices even in a calm scenario. Um, I don't know, I don't have the price prediction for that, but I'm telling you that, uh, if it did, I mean, they're, they're working really not to annihilate the old system but to integrate in it. But if they did, I mean, it would definitely be a game changer. It would, it would definitely, because you would, you would see more people coming, the market cap would, um, increase. And then now Even people who never believed in it would all of a sudden believe in it because the market cap, um, uh, creates better logic for them. I don't need logic to believe that XRP goes to high prices. Um, all of these scenarios, I don't think it's going to matter because at the end of the day, I believe that, um, it is, it is made to be a— it's a financial weapon. Um, and it's going to be utilized again depending on the failure of the fight, the current financial system. And as you see, there's much failure happening. I mean, we're pumping money, inflation, all kind of stuff. Is going on with it. There's a whole entire global reset, and that's the whole point. That's what XRP was made— it was made to be, um, a solution to the problems that exist right now, the problems that have existed that's been patched up. Nothing underneath the pipelines have been fixed. Everything is still been patched, and we tried to move it on and, and roll it on forward, but it's still a huge problem. So, um, I don't think it's going to matter. I think the powers that be have already priced it They have to use it, and I, and I think they will. And think about what blessing that's going to have for them. Can you imagine being a bank? Again, you guys are thinking as retail. Can you imagine being a bank and now you don't have to have all these pre-funded accounts? You know, they got to have trillions of dollars and all of this money locked up just in case, you know, we make an exchange and we send value your way and you send value our way, and we got all of this money locked up. We got intermediaries, we got all of this, the delays, and it's takes forever to get the money and things can get stuck and locked and all kind of stuff that— can you imagine now all of a sudden having something that can move value in like 3 seconds and it's cheap? You, you're not thinking like a bank. Think like a bank and you'll understand XRP a little bit better. Um, don't think like a retail. Don't think like on our level. We're not thinking on our level, y'all. That's why I'm trying to get y'all out of this, the mindset all of these different myths of, uh, we got to think of XRP through the mind of a retail, uh, mindset. We got to think of XRP like a stock in a bit— like, we got to take all of that out when we're understanding this, okay? So, and I do think the low price is a blessing. Listen, I am loading up at these prices. Do I believe that we will go back down and see a dollar? Uh, yeah, I think it's highly probable, and that's what I'm expecting. And, um, I'm going to be loading up seriously at that, at that bottom level. I don't think we found the bottom yet. Maybe we have, you know, maybe we have. I'm not 100% certain on this, but I don't think we have. I think it'll come back and we're still searching for the bottom. I don't think Bitcoin has seen the bottom. There's still a lot going on with the Epstein files and stuff with Bitcoin. I have low limit orders for Bitcoin, by the way, also. But I'll be loading up on XLM. I'll be loading up on HBAR. I'll be loading up on CANTON. It's a lot that I'll be loading up on if we have this pullback. Uh, because I think that the market may see some blood a little bit. And I actually hope we do because it'll be a very great buying point. And as I keep telling you guys, the wealth is not in the sale, it is in the buy. And as always, I want you to stay wise, stay wealthy, and I'm gonna see you guys in the next video. I'll see you guys on Saturday, as a matter of fact. Peace out.
