2025: The Wealth Transfer and XRP's Promising Future

> **Key Points:**
> 
> - Discussion on December 28, 2024, financial markets and upcoming opportunities for XRP holders.
> - Overview of the broader macroeconomic situation impacting the markets, including potential wealth transfer.
> - Importance of strategic planning and execution for the upcoming year, with expectations for the second Trump administration.
> - Analysis of XRP's market position and the influx of American buyers.
> - Overview of tax implications and IRS regulations related to cryptocurrency.

all right it is December 28, 2024 and in tonight's episode we're going to talk about these financial markets, current events and the greatest transfer of wealth in world history, focusing at the end of this session on the 2025 life-changing gains that are coming for XRP holders.

now in addition to XRP, we're seeing some of these altcoins have started to run. we're still anticipating a lot but I want to make the caveat and we're going to start this episode here tonight by going through what's taking place in the broader markets, macroeconomic situation. because although the fundamentals, technicals, everything for XRP is aligning perfectly and XRP's strength is on display, but with all that being said we understand there's still a war going on; there's still a currency commodity war. this is a situation coming back home to the United States that's very dire from a fiscal standpoint. and so we're going to break all of that down here tonight so that everybody understands that no matter what they throw at us between now and Inauguration Day when Trump walks down Pennsylvania Avenue and takes that, you know, righteous rightful spot in the president in the White House here once again.

we knew it was coming; we knew it was coming. we thought it was going to happen sooner but here we are 2024 rolling into 2025 and the setup is spectacular for America if we can actually execute on this plan. it's one thing to talk about it; it's one thing to set the goals and you know you're coming up here on the beginning of the year. I'm already setting my goals for the next year, looking back briefly here right now between Christmas and New Year's. I love this time, get a clean house, get to get organized, set the intentions, the goals, what are we going to execute in 2025.

so my expectations for the second Trump Administration are very, very high. I plan on being very critical of this Administration along with this Congress coming in. they are pro-crypto but it's not just crypto that we know we need to fix; there's a lot of other issues as well. and so once again my expectations for a second Trump Administration for an incoming Congress, America First across the board full control along with our community and along with myself, my expectations for us going into 2025 are very high.

now's the time to move like we're not practicing anymore. we're not playing around. oh, when's XRP going to break out? no, it's here. this is now game time, right? this is when it really matters, the decisions and the actions. what are we going to execute over the next 12 months as we finish off this bull run for the broad cryptocurrency space and we see XRP finally go into price discovery? the life-changing gains that are coming for the XRP community are going to be massive, a move that was so obvious to us, but now the mainstream media is starting to pick up on it.

now Ral Paul, now MM Crypto, now Bitcoin Bro, now Moonboy Carl Crypto, I mean the list just goes on. all these guys, right? From mainstream news to traditional finance to crypto bros, everybody is now piling into XRP. and I'm going to show you the XRP heat map. I've been very fascinated watching this XRP heat map in the order book and seeing and continuing to see a flow of liquidity coming into the XRP asset from Coinbase, which is American buyers who did not have access to XRP during the last bull run.

this is very important to understand. it was not easy to get XRP during the last bull run. on top of the fundamentals and technicals, the lawsuit, regulations, everything coming our way, XRP wasn't on exchanges last time around for crying out loud. So just being on exchanges this time, I mean we can see it in real time. I've been watching this order book flow in Coinbase. It has just stayed green while Binance and other exchanges, we've actually seen outflows from XRP. 

on Coinbase it has been nothing but inflows, US dollars coming into XRP on Coinbase because Americans are finally getting access to XRP. that's what's taking place. Americans are finally waking up to what's taking place here with XRP, Ripple, and the broader cryptocurrency story. Not just from, you know, the mainstream news, not just from Anthony Pompliano, not just from Michael Saylor. I was going, I was trying to come up with a nickname for Michael Saylor but I couldn't come up with one on the spot there, but you know the typical Pump It Up Tom, Fun Strat, Tom Lee from Fun Strat, I should say, you know these are the regulars on CNBC. these are the regulars in the mainstream crypto conversation. 

now we're seeing that Ripple's arrived; they've pushed all these kids aside; they've pushed all the folks that have been playing around here aside. and what's interesting now to watch too is the stablecoin play. folks didn't understand, you know cryptocurrency now Maxine Waters for crying out loud is coming out and saying that we need to do a stablecoin deal. Maxine Waters, remember when she called it "Bitcom"? these people don't even know what they're talking about but now their handlers have told them, hey we need to pass stablecoins; otherwise, the traditional banking world, the traditional financial world, they're just going to continue to lose market share. 

and this is not just the traditional financial world; this is the Federal Reserve, not just the Wall Street types that are coming in late to the game but literally the system itself. and funny enough we just got of the key architects of the FED now payment system has been added to Ripple's stablecoin advisory board, I should say. so Ripple's new stablecoin advisory board just added a key architect. He was part of the Boston Fed; I forget which Fed he was a part of. 

added onto the other member that was added from the India Central Bank, all part of the stablecoin legislation. and like I said, this is everybody now coming. the stablecoin bill's ready to go. we're going to talk in this episode here briefly about the IRS tax recommendations that were made. also, we did get the BOI ruling, where it is now not required for you to file the BOI, business ownership information. I believe that's what that is; that was in effect and it just got overturned by the Fifth Circuit here once again. 

so I mean stay careful because we got a few days left to go; who knows, maybe we'll get an appeal. I think that that process would take some more time. This is an internal appeal process at the Fifth Circuit. not to get too far into that lawsuit, not to get too far into that case, but basically the point being I'm going to show you the FinCEN website where they admit that a most recent Federal Court ruling has overturned, and you don't have to, but they do leave out the option for reporting your ownership of your entities now. 

in regards to the IRS regulation that is, you know, now going into tact, this comes from a bill in 2021, an infrastructure bill, and so the whole situation here just pisses me off because you know the Inflation Reduction Act only added more to our deficit, only added more inflation. Every single one of these—the Patriot Act, right? Be a patriot, stand up for your country, let your grandma get, you know, what at the airport. I mean don't get me started.

You see I already get ticked off just talking about it. Infrastructure Bill, 2021, infrastructure bill is where this comes from. Everybody's now at the end of the year scrambling, oh my gosh, I got to screenshot my cost basis. I got to calculate this out; I got to figure this out. I got to come up with the safe harbor allocation plan. We got a free resource for that. I've shared it in the Discord group, but maybe I'll link it up in the description of my videos for the next few days just so folks have access to that free 1099 digital asset form to file. 

And then yeah, you can go grab some pictures if you want to in your defense to have for a future defense. Not a bad idea to do, but what folks need to understand is that that lawsuit has already been filed; that's the Blockchain Association. So we're going to talk about that. But this is a real battle that's going underway, which is why I bring this up. You know XRP looks fantastic; the macroeconomic situation is not good. XRP looks fantastic in the sense that it's the only digital asset that we know is not a covered security, which if you go to the text of the law, the legislation that was passed in 2021—which almost nobody does, nobody reads these bills even the people that are voting on them don't read these bills. 

Well, I went and read it, not the whole bill of course, not but buried on page 911 of a 1,000-plus-page bill is a small subsection on the broker-dealer rule that they passed. and they basically told Treasury, hey you guys need to figure out how to come up and calculate a cost basis and give us some guidance on digital assets. 

Now Treasury took some time with the IRS; the IRS took some time; they left public comments open for a while, but they finally come, and they reverse their previous guidance. They say that you can no longer do a universal cost basis and basically you need to segregate each wallet. What was your cost basis on that wallet? and you need to come up with a safe harbor plan, you know potentially if you want to button that up by the end of this year. 

But if you actually go back to the text once again—a bill that was supposed to be for infrastructure for the United States of America—with all these bills we have to pass this, our society will crumble and fail if we don't add trillions and trillions more to our deficit and stuff these bills down the people, you go look at the bill. The term that they use is "covered securities". Well, what's interesting about covered securities is they're stocks; there's a few exceptions but in almost every instance a covered security is a stock or an option of a stock. 

Now we know as a matter of law that XRP is not a security, meaning it would not be a covered security. So as the law is written in 2021 the infrastructure act that they passed, they use the term covered security. So on the initial law itself, on that premise, there's a fallacy basically where they give the assumption that every digital asset is a covered security. 

They basically say that every transaction of a covered security that is a digital asset needs to be reported and they're requiring every exchange every broker to do so. Well, the problem is that they haven't defined what these assets are. So are we just running with the assumption that these are all securities because Gary Gensler is calling them crypto asset securities? Because the new term on the block from the SEC's crypto asset securities, and Gary says that every single digital asset is a crypto asset security? 

We're just going to run with that assumption? See, this was a bait and switch just like every bill is with these guys. the infrastructure bill and we slip in a definition of what the definition of these assets are. So it doesn't surprise me that this law lawsuit's been filed already by the Blockchain Association, going after the IRS for their statutory authority to basically define what these assets are. 

See everybody's wondering, are we going to get this from the SEC, are we going to get this from the CFTC, is Congress going to finally pass some legislation? Well, Congress passed an infrastructure bill in 2021 that included this little bill, little caveat that hey, every covered security that's a digital asset you need to report generally. Now Treasury took that and the IRS took that and they said, okay, everybody needs to tell us what your cost basis is on every single digital asset that you own, and you need to have a clear cost basis and plan on all of it. 

Now I was talking in the Discord group this morning and I said this whole situation is making me so pissed off as an American citizen. One, that is just buried in some infrastructure bill. But two, it makes me just not want to sell at all, right? which I understand is difficult to do. A lot of us need liquidity; a lot of us need to sell. We can't just hold XRP forever. I know a lot of people plan on holding XRP forever but I'm looking at all this BS with taxes and this and that Treasury, the SEC, well FinCEN back in 2015 said that XRP is a virtual currency; Judge Torres said that XRP is not a security. So as a matter of law, we know XRP is not a covered security digital asset now for the rest of the space. We don't know yet. There is no court precedent on the rest of the space but this was a bait and switch that really I think folks are missing the key point to me which is that we got in this bill basically defining all digital assets as covered securities. That is not what we were wanting to have done here in the United States. 

We already know as a matter of law that these cannot be securities in the case of XRP and now out of nowhere in 2021 they sneak this one in, and then here we are, three years later, it's finally being enacted upon the recommendations from Treasury and the IRS. And of course, they're just running with it. Do they care to step in and say, well before we write this and before we give these regulations, before we give these recommendations, we actually want to send it back to you Congress and can you define what these digital assets are? are they covered securities? 

No, see under you got to understand that the IRS is just running with this assumption. And so once again this setup for XRP and the life-changing gains coming for XRP, without a doubt, it's there. In the meantime, this war is far from over on the digital asset battle when it comes to Trump getting inaugurated here in the next month. What's going to happen between now and then? We got a real war taking place; we got aliens showing up; they're going to throw everything that they have at us. 

You know, so without further ado let's get into this episode, guys. I wanted to start off just by, you know, kind of sharing what was on the top of my mind. It has been over a week now since I've gone live. just been dropping content. I did take Christmas Day off. But other than that I haven't gone live here in a while, so I was excited to come here tonight. there's so much to get caught up on. So without further ado, I'm going to get started here. 

If you guys haven't already, please make sure you like these videos. If you can help us out by sharing it out far and wide, I really do appreciate it! everything is at zack.com, including the merch, precious metals, crypto exchanges, wallets, private community, you guys know that deal. 

Let's get started right away. Now taking a look here at Coin Market Cap, we see that the overall cryptocurrency space is at $3.33 trillion. Now I didn't even realize that we'd actually climbed up this high. I’d be interested to see how high we got on that overall. 

Bitcoin right now is hanging out at $95,000; Ethereum's just below $3,400 and I wanted to bring your attention here to Tether. Tether has remained de-pegged since December 12th was the last time that Tether was pegged. Let me show you guys on the monthly chart; the last time that Tether was pegged was back here on the 17th; my apologies, it was December 17th. So Tether has been trading at 99 cents for the past two weeks basically. Tether has de-pegged; it is being delisted. Tether is definitely facing some turbulence and some headwinds while XRP with RL USD perfectly positioned right here at $2.18 for XRP.

And I've been telling you guys to zoom out on this chart and understand the setup here and even right here on the daily chart you can see that we're holding a good setup, good support. But when you zoom out on that monthly chart, what you'll see—and I pointed this out in a couple of videos that we did here earlier this week—is long as we close above $1.98, this will be the highest monthly and yearly close in XRP's history. So even if XRP goes down tomorrow down below two bucks, as long as it recovers back up to $1.98 and closes the end of the month and the end of this year above $2, this will be the highest monthly close for XRP ever and it would be the highest close by every other longer duration, you know, whether you're looking at the one month, three month, six month, one year, I mean any timeframe that's longer than that.

In fact, I'm going to check the weekly chart because I meant to do this earlier and see XRP. actually, I'm going to go to my XRP on Bitstamp. XRP on Bitstamp brings you data all the way back to 2017 and I wanted to see here. Yeah, this will be almost the highest weekly close ever. So we did get a weekly close up here at $2.73; that was back in January of 2018, so that was the highest weekly close ever would be above $2.72; so we would need to close above $2.72 on the weekly to set the highest weekly close ever and we need to be above $2 to get the highest monthly close ever, which obviously the monthly zoomed out a little bit more perspective, a little bit more scale behind that one.

Thank you for the gifts, guys. Thank you for the chats; thank you for everything. I see we did get some super chats, so before I forget and get lost in the comments there too quickly, Daniel, ready for the Zack attack. Daniel, I appreciate you; appreciate your support. Thank you for joining the Patreon community too, Daniel; much love, brother! 

XRP Phoenix with the 20 Euro; appreciate it, Phoenix, brother. I told you to check Phoenix a few days ago when it was 16 million; now it hits 73 million. It's really onboarding thousands of new users to the XRP ledger. Please check it out, Phoenix. We're going to be talking about it; we're going to be talking about meme coins going to a billion. Meme coins going to a billion—73 million, that's a good start! Let's keep it chugging. Full disclosure, I don't own the Phoenix; I don't own the Phoenix token, but I probably should have. Apparently, I could have bought it down there at about a 16 million market cap and we could have made a few X on that move to 73 million. That's what happens when you sleep on these memesters; these meme guys are crazy! 

I'm telling you, they were running spaces on Christmas Day. I don't know if they have families; if they do have families, they just give the family presents and they get back to memecoin hustle. These guys are crazy. Zach check the XRP Bitcoin chart. Yeah, it's strong; it's very strong. I'll take a look at that here XRP Pirate; appreciate you. Five Spot, what type of sell pressure would take place if USDT got delisted on 12/31? Could XRP fall under a dollar? What should we expect right after RL USD? Good question. Tether's already de-pegged as I covered, so Tether's in trouble. They're getting squeezed out of Europe. They did just purchase a new stablecoin company or something like that, so they're making investments; they bought a little piece of Rumble too. 

They're backing some of their stablecoin by gold, which I find very fascinating. So I’m not in the camp that Tether goes away 100%. I just—they're clearly facing some troubles right now. I think it'll be a big mistake if they just give up the Euro zone and decide not to have their stablecoin throughout that region. I think it would be a big mistake along with the United States as well too. 

So yeah, Tether's in trouble; it's already facing some pressure. It's been de-pegged since December 17th, so Tether is de-pegged as we're recording this update here tonight. And for RL USD, it's got the best backing in the world. There's no other stablecoin issuer that has over 40 billion XRP. There’s nobody else issuing currency in the world, period, that has 40 billion XRP. So the Ripple competitive advantage is unlike any other in the entire world of issuing currency. 

This is stablecoins, this is Federal Reserve, this is other central banks unless all of that escrow has been pre-allocated, which we do believe that much of it probably has, or at least a chunk of it probably has. Then maybe some of these other central banks have a bag of XRP but from what we have now to work with, the information that we're working with tells us that Ripple has over 40 billion XRP; nobody else has that. 

So along with the ability to hold the collateral at their own trust company, along with the ability that and the efficiency of just being on the XRP ledger, so the Ripple stablecoin, I think, is going to take market share from Tether. But I also see that the stablecoin place is—the stablecoin high, I should say, is growing from 180 billion; I'm going to be approaching about 3 trillion over the next few years. 

So the overall stablecoin space is growing; we don't need to take Tether's market cap; we don't need to take Tether's liquidity, but we are. And what's interesting is that we're going to take—and we already have significant liquidity from USDC. If you recall, Brad Glinghouse said that at one point Ripple was printing, minting, basically accounted for about 20% of USDC. Now, I don't know about you guys, but I never liked when my business relied on more than 5 or 10% of my revenue from one client because that left you vulnerable to that one client firing you. 

Well, there goes 10, 20, 30% of your revenue or more, right? Well, in the case of Circle, Ripple accounted for 20% of the stablecoin. Now Ripple's launched their own stablecoin. Maybe they'll still be doing some USDC trading but I don't see why at this point when they now have RL USD available for liquidity for their clients. So RL USD, it's funny you already got a lot of panic taking place with others mentioning, you know, that Ripple still doesn't compare to Circle; Ripple still doesn't compare to Tether. Well, yeah, it's only been around for two weeks; give it some time. 

Over the course of the next year, I think that the stablecoin is going to grow massively. R Vasquez, Zach brother, we needed to send a shout out to XRP meme Phoenix for leading the way and getting listed on the exchange. We need to support our ecosystem. Vasquez, appreciate it; appreciate Phoenix. Pump it up! Pump up these memes, continue to match, engage! I love it; I'm here for it. 

I've been busy enjoying my peace; I can't passively partake in the memecoin trading. If I'm doing memes, I'm in DeGen spaces all day, I'm hustling and I'm trading all day, and that to me, it gets in the way of my other work, and so I've taken a step back from the memecoin trading because of that because I got, I got a, I don't know, XRP on the line. See guys, I went from investing 20 XRP, investing 50, 50 XRP to investing 500 XRP to investing a thousand XRP on these memecoin plays and I can't just be sleeping while I got a thousand XRP on the line, right?

Especially now, this was when XRP was at the 60s; now XRP is at two bucks. So to have a thousand XRP on the line is not what it used to be, right? So yeah, I can't do the memecoins passively. I guess I could be stacking up some of these blue-chip memes but yeah, I haven't—I’ve been out of the game for a minute now. Appreciate that, guys; just checking comments here real quick, and then we're going to get back to it. Appreciate you guys.

Okay, so this is the order book flows that I was talking about. Take a look at this coin glass.com. Now what you notice is the volume has picked up; it’s still green in the past 24 hours on Coinbase and we still have inflows on the right side here, the heat map, the inflows; we still have 8.5 million worth of inflows into Coinbase in the past 24 hours.

So like I said, last bull run Americans could get exposure to XRP through Uphold, KuCoin, and there were exchanges that had it available, but now it's available on Robinhood; now it's available on Coinbase, Kraken, all these other exchanges that are the primary exchanges that Americans are using. Now many of us don't use Robinhood, but the masses do; there's a lot of users on Robinhood. 

And so just having that liquidity on Robinhood I believe has been massive. But and I wish that, I don't know why the order book flows for Robinhood aren't listed on here. I don't know why Coin Glass isn't pulling from Robinhood too. I don’t know if they are, if it’s just smaller, but I’d be very interested to see that. But I flipped the time frames here to the weekly, guys. 

And what you see here is that the volume on a weekly basis is green on Coinbase, $1.29 billion, and the inflows are still green on Coinbase and Bitstamp and Kraken and the Coinbase XRP Tether pair as well. So Tether's de-pegged, and you've got folks that are trading out of Tether into XRP; you got folks that are trading from USDC into XRP, 6.95 million worth in the last week. 

Now, we're going to continue to watch this here; the order book flows have been very interesting—basically all negative here—we've had all negative days going back since when was the last positive day? December 16th was the last positive day of inflows on XRP, overall of $79 million. Ever since then, it's just been nothing but outflows. 

And so the market has been selling off; people are selling their XRP for dollars, Tether, Circle, whatever, and they're taking profits, right? And they're getting scared; a lot of folks getting scared right now. There's no reason to be scared and I’ll talk more about that later, but we got so much news to cover. Blockchain Association sues IRS over crypto broker rules now that’s the law I was talking about, the regulations I guess the guidance that the IRS is now flip-flopping on. 

And so the Blockchain Association is suing them on this; I'm going to be watching this very closely. As I said, the way that the bill was written by Congress has flaws. The regulation and the guidance that came from Treasury and the IRS was also flawed, running with that assumption that all of these digital assets are covered securities, and if that's the case, why are we not making every exchange have a broker-dealer license for securities? That makes no sense.

Now, Coinbase and others have acquired a securities license, security broker license, but if that's the new standard, is that all digital assets are covered securities, why is not every exchange required to have a broker-dealer license for securities? They’re getting caught up in their own laws, their own guidance, and that's the thing is none of it is law. The law that was passed was very vague; the regulations and the guidance that was passed and pushed forward was even more confusing and even more flawed on the law and even more unconstitutional per the mandate of the IRS.

So we'll be watching that more; here’s FinCEN, the BOI filing. Please note that beneficial ownership information reporting requirements have been affected by a recent federal court order; the Department of the Treasury is appealing that order, so they are going to be appealing, guys. I don't know how long this process is going to take, but in the meantime, reporting companies are not currently required to file a BOI and are not subject to liability if they fail to do so while the applicable order remains in force. 

However, reporting companies may still opt to file a BOI; here is your link. I don't know, guys, should I link that one up down below? Should I link that one up down below? What happened to the Fourth Amendment? What happened to the Fourth Amendment right? I believe that one will be checked; well, I mean it already has been checked. Looks like Treasury, FinCEN is going to be appealing that one, and they want to know what entities you own; you know they want to know who owns what entities and who owns what assets. 

And until we push back until we get regulations from Congress, this is what we're up against. I'm just glad that I know as a matter of law the XRP is not a security. The rest of the space, you know, good luck, God bless, and the good news is that Congress in large part has flipped to pro-crypto politicians from both sides of the aisle. So I am expecting stablecoin legislation to be passed this year along with broader cryptocurrency legislation. 

But in the meantime, you know, this is what we're up against. Holiday spending boom leaves Americans drowning in debt. Shoppers splurged nearly $1 trillion this season smashing records, but the credit cards are crying for help. Debt hit an all-time high of $1.17 trillion, up $24 billion in just 3 months with 36% of consumers taking on debt and the average borrower racking up $1,181. The holiday cheer might be short-lived; retailers are celebrating, but for many Americans, the cost of happy holidays could take all year to pay off. 

Now hopefully for you guys we didn't spend too much because I think one of the most important things going into 2025 will be how liquid are you. No matter what assets you want to buy, now it's interesting because cryptocurrencies in the middle of a bull run, if we do get Black Swan and if the market does continue to face headwinds, we could see the market continue to, you know, bleed out a little bit further; but you got other assets like real estate that already have been in decline. 

Some markets already have crashed. When you look at the traditional stock market, same thing; that market's in decline; some stocks already have crashed on an individual basis. Now with cryptocurrency, we continue to move up here. But we are still going to get smacked if we continue to see the bleeding in our regular economy continuing on. 

This is our problem back home; our yearly deficit versus surplus—we are speeding towards bankruptcy. This shows you our yearly deficit or surplus adjusted to 2017 going all the way back to the 1930s. Now it took us until what was that basically 2008, the Great Financial Crisis, was the first time that we surpassed a trillion deficit. Now we're approaching 3 trillion; that's 3,000 billion! So now our deficits are in the trillions, multiple trillions on a yearly basis, and it took us—well, can you guys see this whole chart right there? Yeah, can't even see the bottom there. I have to adjust the chart.

And so no matter how great it is, Trump's coming in, no matter how great it is, legislation's coming on the way, no matter how great it is that we elected a good Congress, right? All of this is fantastic, but what we face is a serious problem that doesn't go away overnight. And to fix it, you know, there is going to have to be some adjustments made, some cuts made. It is going to be a little bit rough; the credit card can only get racked up so much. 

And that's our personal credit cards, that's our business credit cards, that's our business debt. And what you're seeing is that there's trillions of dollars worth of debt that now has to be refinanced going into 2025. But the problem being is that the bond yields are continuing to rise. Even though the Fed cut rates just two weeks ago, the Fed cuts rates; what does the bond market do? Takes that 10-year bond all the way up to 4.2. This week we shoot that sucker all the way up to 4.6 approaching 4.7! 

Now the chart on the 10-year bond looks like it's about to break up going back up towards that 5% level from the 10-year bond is where we set our 30-year mortgages, which many countries don't have that. We're lucky to have that here in the United States—the 30-year mortgage, that's only a US thing, by and large. 

From there, the auto loans, the business debt, every other debt instrument gets based off that 10-year bond and the yields going up because nobody wants it at these levels. They're selling off the bonds. So the bond market, the bond yield continues to go higher and higher demanding a higher yield for somebody to do a deal with the devil or the United States government depending on how you look at it. 

I will pass on that deal; I wouldn't loan them money for three months on a short-term T-bill, and I for sure wouldn't loan them anything longer than that 10, 20, 30-year bond; are you kidding me? 30-year deal with the US government? 

Finance Lot says it feels like they've intentionally coordinated a debt crisis, unemployment crisis, migrant crisis, drug crisis, and end of a 14-year bull market crisis all to hit in 2025. This is the setup; oh Trump you won congratulations Pro-crypto you won, America First, you won! You think you're going to take your country back from this group of private central bankers that have had a grip on this country since the inception of the Federal Reserve even going back further? Not so fast; we got a plan for you. 

Now I wanted to show you guys this because a lot of conversation now about this Ripple stablecoin and you know uphold is going to be paying 5% on the Ripple stablecoin; for the top tier, if you're on their top-tier program, you're going to be able to get 5% on your RL USD. But a lot of folks are looking to use basically leverage their XRP to make passive income on XRP to get yield on our assets, and this is becoming, you know, a big topic now that we're starting to get some more functionality on the XRP ledger. 

This is coming along with legislation; the XRP ledger is going to be ready to go, and it's going to be a lot of fun, but what we really need to understand is that we need to be looking for a sustainable yield when it does come to this conversation. It's not the biggest yield, right? We don't need to be seeking out yields past 10%. We don't need to be looking for 15, 20, 50%. Or during the DeFi boom of 2021 we saw programs that were offering literally 880,000% yield; Time Wonderland? 

Now, it didn't stop people from investing in it; it didn't stop influencers from shilling it; go figure; that's a surprise to nobody, right? Oh yeah, you bet you they shied that one; Time Wonderland—880,000% yield! How big of a doofus do you have to be? A DeFi doofus, that's what we would call that. 880,000% from the decentralized Ponzi scheme, Time Wonderland, and of course that went belly up. 

I wanted to show you guys this; this demonstrates how you just want sustainable yield, and that compounding—that Eighth Wonder of the World compounding interest—that's what's going to take you to retirement, to the finish line. Cade Invest put this together: a 20-year-old has the potential to become a millionaire in retirement by investing $187 a month. They only contribute $90,000; the other $910,000 is from compound interest, assuming a 10% annual return. 

So I know many of us are not 20 years old; shoot, I'm not even 20 anymore. Sometimes I think I am, but then I get reminded that I am now a 30-year-old old man, and some of you guys, my elders, are even older than myself, right? So I get that, but this really goes to show you that when you put a plan forward here to earn yield, it does not need to be 15, 20, 30%. This example right here, a 20-year-old has the potential to become a millionaire in retirement by just investing $187 a month. 

Only contributing $90,000 total; the other $900,000 comes from compound interest, assuming a 10% annual rate. Now whether you would get 10% annually or whatever the point being when you can get a sustainable yield, consistent yield of 5 to 10% on your money, right? 

As long as we can get that nest egg big enough in the first place, really, you know, okay, yeah, you can tuck $187 a month away. You can save up some money. What I'm focused on personally—like I'm just showing you guys this as an example of the compounding and of sustainable yield for me and for many of us, I think the big thing is going to be getting that nest egg. 

Or if you do have it, then you know you're ready to rock and roll and start—you're basically now at a point where you can just put together a plan on doing due diligence on all of these DeFi platforms; on everybody who says that they're going to give you yield now; is the time to conduct due diligence on how they are going to generate that yield for you. If you don't have a nest egg of, you know, that we can really make a difference on 5 to 10% yields then that's our first problem, and that's what I'm working on. 

I don't worry about saving 200 bucks a month; I worry about how do we make thousands more per month, right? And I feel like at this point, with inflation even at that 10% annual rate, I think that for me, that's where we start to have a conversation. Because if you're at a five or a 6% yield when we know inflation is running at 3%, most likely double that or more, then we know that the real inflation rate’s 5 or 6%. 

So if we're not getting 5 or 6% yield on our money, we're not doing anything when it comes to real numbers. So that's why people ask me all the time, what kind of yield are you looking to get on your money? Well, when that time comes, you know, I'm going to be looking at, you know, probably 5 to 10% on just bank deposits or stablecoins, assuming that the rates are still there. 

Once again, if the rates actually do end up coming back down, then we'll be having a different conversation about what you'll be able to get for saving. During the last year, you were finally able to get a decent amount on your savings; I mean better than 0% because it used to be over the past 10 years or so, you’d get zero, maybe 1 or 2% on your savings at most. Now we had programs where they were actually offering 5%, but you're still barely beating inflation. 

But you know, once again when I think of DeFi, when I think of getting yield on my XRP, I'm waiting for a couple things to take place. One is XRP's price stabilizing, meaning it's not going to have 10,000% upside and it's not going to have 50% downside, right? It's going to have movements of, you know, 10, 20% per year. At that point, it can be used as collateral efficiently and safely. 

And so when XRP stabilizes, we can start to look. And then the other thing's going to be legislation and regulations getting passed, and then finally, it's going to be just looking across these different platforms that bring about yield earning opportunities and doing due diligence on them, right? Because as this goes live, there will be the first platforms that are coming on, but these are going to be new platforms with no track record. 

And so it's going to be critical for us to do due diligence on these people that are putting together these different programs for this. Who's going to be taking custody of your XRP when it does come time to take out a loan against it? This is going to be important. Now I see Axie dropped a 10 spot. So Zach, I have had some recent requests for recommendations on an easier buy-in for long-term holds that may also be tied to the XRP ledger. I've been recommending SHX and XDC. Are they still worth it? 

I do think that Stronghold will run; I think XDC will run this bull run, and the levels that they are at are still attractive to me. Flare is still attractive to me. What are some of the other ones that I've bought here recently? I bought the SAY token a couple of weeks ago, SEI. What else have I bought? HBAR is still kind of attractive at the current levels. XLM I'm watching to get down below 30 cents; it already waked down to about 31. 

But you know XLM back at about the 25-cent level gets attractive to me once again. XDC is already attractive; Flare's already attractive; HBAR is at a good level for me. And then obviously there are some new memecoin plays too if anybody's interested in those, but you have to kind of know what you're doing. It's really easy to do it, but for like new people coming in, they might not want to get into memecoins; not everybody's a fan of the memecoins. 

I'm just a fan of the casino coming to the XRP ledger and the liquidity, attention, wallets, users—that's what's exciting to me! At what point price will XRP stabilize? That's the question. It’ll have to be a very, very high price in my opinion. It’d have to be a market cap into the, you know, well into the trillions. Well into the trillions if not above 10 trillion is where I think XRP would have to go to start to stabilize. 

We would need to see XRP—I think we are well into the double digits before XRP, you know, stabilizes and I also think that it’s dependent on utility because that's what stabilizes the price more so than these cycles are what have kept us, you know, in these four-year up cycles and swings versus utility where the liquidity will just be there constantly, always flowing and the value will be locked up. 

So it's a matter of getting all that value on-chain, and that's through the tokenization of real-world assets. We're seeing that explode right now on the XRP ledger, and then it's the flow, the liquidity of those assets on the chain. And so we need to see that pick up. Once that utility is flowing on the XRP ledger, I think the XRP will then stabilize; it's going to be a lot higher price.

It's not a TA discussion; I know that we’ve been covering a lot of the TA lately over the past two months because XRP's finally started to move. You know, it's not just, oh XRP is consolidating, there's nothing to look at; there's actually been movement, and I'm going to show you some more XRP TA here at the end of this episode. 

And folks ask the question, well how can you chart utility? You can, I mean, you can, but it's a different conversation; it's much bigger numbers. It's not, oh we're going to go to a market cap of a few hundred billion and XRP is going to go to five bucks and XRP is going to go to six bucks, and you know people are going to sell, people are going to buy. No, it's like real liquidity flowing on that sustains us at a much, much higher price; that's where this goes in my opinion. 

Dennis, thank you for the Five Spot. There is either an IPO or a US Global body surrogate Bank Consortium that takes Ripple private so as to manage the escrow within one quarter of the SEC settlement. And Dennis, that's a great prediction, and that's very likely—very likely. I think that Ripple's in a strong position where they don't need to be bought out but I think that the right deal comes onto the table. 

You know, I think that their door remains open, but I think that Ripple really sees themselves becoming a new bank, a new institution—right? A new world bank—that's what I think Ripple views themselves as—a world bank. And so, you know, as long as they maintain this position of strength, they could be in that point to make those acquisitions, but yeah, with the lawsuit coming to a conclusion here soon, in fact, we could see the conclusion of this lawsuit here in January. 

The appeal briefs are due here in January. We haven't seen any extensions, of course, the XRP lawsuits continues to be extended. But for now, the appeal briefings are due here in January, so this case could be settled up here, or dropped. I don't see why they would drop it; they got a $125 million fine. So if they settled up they could do it. I don't know if maybe they want to play nice and they end up dropping the case, but this is coming up here in the next—you know, basically the next month, the next 30 days.

We could see the case settled up here. The escrow has always been such a fascinating part of this XRP story though, hasn't it Dennis? I'm glad that you brought this up because it makes Ripple one of the most powerful entities in the world when I was talking earlier about the competitive advantage that it gives Ripple for their stablecoin—that's just part of it. Nobody else in the world has a bag of XRP with the potential of where XRP can go. It's why they talked about David Schwartz becoming the first trillion-dollar man and Chris Larson too. 

I don’t know how much XRP these guys still have, but you're talking about Ripple the company very quickly comes—you know the conversation really changes from a company that was worth less than 10 billion to a company that's worth over 100 billion plus; actually could be a lot more. Why is—oh, let's see here, I was trying to pull up—okay, what's the most recent valuation on LinkedIn, you guys? 

I see that they do have Ripple equity available. Why is my—yeah, whatever, I can't get into link 2 right now, but what I last heard is that the valuation on link 2 jumped up to $16 billion, so Ripple equity went from $78 billion to over $16 billion. Did I hear that correctly? I don't know if anybody in the chat knows. 

Now what was fascinating is today Galaxy Research, which is part of Galaxy Digital, Mike Novogratz's firm, they put out this prediction here. They put out all of their 2025 predictions, including this one that the SEC will open an investigation into Prometheum, the first so-called special purpose broker-dealer. The abrupt emergence of a previously unknown broker-dealer that happened to specifically agree with the totality of the SEC Chair Gensler's views on the security status of digital assets raised eyebrows in 2023 particularly when the unknown firm was granted the first of a new class of a broker-dealer license.

The CEO was berated before Congress by Republican members of the House Financial Services Committee, and according to FINRA records, Prometheum's alternative trading system has yet to conduct any trades. Republicans have called on the DOJ and the SEC to investigate Prometheum for ties to China, while others have noted irregularities in their fundraising in reporting.

Whether or not Prometheum is investigated, it's likely that the special purpose broker-dealer license is abolished in 2025. Now this is funny coming from Galaxy Digital because Galaxy Digital, owned by Mike Novogratz, was one of the few people that predicted that Ripple was going to be sued by the SEC. How did he know that? See, Mike Novogratz is closely tied in with the SEC, so this prediction coming back that you know something's going to be done here—that the SEC itself is going to open an investigation into Prometheum—that's fascinating. 

Now this ties in back once again to what the IRS just implemented by saying that all covered securities that are digital assets need to be reported by brokers and exchanges. That's the new broker-dealer rule that the IRS just passed, which would align with what Prometheum went with, which was that these are all securities. And what was the first token that Prometheum had available? Ethereum. 

So what did Prometheum know? So it’s like, Prometheum, the SEC, and now the IRS are all running with the assumption that these are all crypto asset securities, right? But I found it very fascinating that Galaxy Digital put that one together. 

Now speaking of memecoins, speaking of the memesters, these guys are crazy. First Ledger response here to Cobb says XRP Ledger memes will be worth billions—the world's number three blockchain with a severely undervalued on-chain ecosystem. We are truly just getting started! First Ledger copying him and what Vet adds right here: you got literally people having no clue what's going on here, even surprised XRP has its own chain now.

I showed it in my last update yesterday. Crypto Rover, another crypto kid, he's got a million followers on Twitter, 100,000 on YouTube, and he didn't even know that the XRP Ledger had memecoins, right? I mean, these are big guys who are into the memes, and they don't know that the XRP Ledger has memes! 

So there's a new wave; there's a new wave of attention and liquidity that's coming into the XRP Ledger because of these memes. And you saw the Phoenix guys in the chat here earlier tonight dropping super chats so that I can shill Phoenix for them. And I'm joking, I'm joking; Phoenix token has gone up here to a 73 million market cap, right? Which is fantastic; I'm all here for it.

In fact, I've been rooting for some of these cryptocurrencies that I owned, and now they've just continued to shoot up higher and higher. Coins that I faded and now they’ve just shot up to 50 million market cap like I said, I've taken a step back from the XRP memes but I've been rooting for this space the entire time. 

And what's been so fascinating is the fact that the XRP token itself has maintained a top 10, you know, been in the top 10 of all cryptos without anything taking place on our ledger. Now that stuff is taking place on our ledger, no one knew we weren't on Dex Screener; we weren't on Dex Tools. We're still not on CoinGecko. A lot of our memes are still too small to be listed on many exchanges; they're starting to get some exchange listings, but this is very early in our ecosystem, the value on our chain. 

We are still very, very early from where we're at here today and what's set to come in as a lot of these other chains are having problems. Just look at Pump Fun; is Pump Fun even live right now? I know it went down; they took it down in the UK; I think they took it down in Europe. I thought maybe they took down the whole site, so it's like Solana continues to have its struggles; their Launchpad for memes, Pump Fun, went down. 

So is it a security? Who knows? We know the XRP is not a security, and so I believe that you're just going to see a wave of liquidity from memes and from institutions coming here in 2025. And it's a beautiful thing. I know some folks are like in a camp of, oh, we got to—and I'm all for supporting the developers too—but there's some people that don't give Ripple any credit for the work that they're doing with institutions, and I think that they're underestimating how many institutions Ripple's bringing into the XRP Ledger.

So it's all, oh Ripple should give us money; Ripple needs to give us a grant; Ripple was supposed to bring in the banks; where are the banks? Da-da-da-da! Well, we have no legislation; we have no regulations; that's why the banks are not here yet. And I believe that Ripple's been working with these banks on the proof of concepts, on the trials; they’ve been working with institutions outside the United States just waiting to get that clarity and the go-light, the green light here in the United States to start working with partners that they had before the lawsuit, like Bank of America.

But at the same time, I also give credit to the memesters. I know some people say oh let’s keep the XRP Ledger pure; no memes on the XRP Ledger. Well, I just appreciate both, and I say why not have both? Let's bring billions of dollars worth of liquidity onto the ledger through the memes that can warm us up, that can help test the ledger before we bring on trillions from institutions. Why not have both? 

And what we've seen here is an explosion in new users, new wallets, new activity. And remember, not everybody's—you know, not everybody's just going to hold on to their XRP; people are going to go do this; they're going to buy NFTs; they're going to buy memes. And for every NFT and meme that they're having to buy, they're having to lock up XRP. So more and more XRP is getting locked up, more and more XRP is getting burnt, and more and more new people are coming into our ecosystem.

Now this is warming us up, like I said, for the institutional explosion that's coming here in 2025 that I think that’s going to make the memes and what we've done so far look like warm-up, look like the JV squad! The charting guy—let's get into the XRP! Some impatient XRP holders are complaining when the chart literally looks like this. 

The next leg up will change lives. Now this is what I titled tonight's stream: 2025 XRP Life-Changing Gains. You see right here from a charting guy and I'm going to show you a couple others, but this is what people have to have for perspective right? The Bull flag that XRP just printed is a remarkably bullish move in setup. The next leg up will change lives for those of us that saw this and piled into XRP under a dollar—even for those of you that are getting into XRP now above $2 and still padding your bags with the potential of XRP going up towards $10, $20, I'm going to show you the levels here shortly. 

There's still plenty of room to go here. Waters above says XRP is right on track for the next leg up compared to the 2017 breakout. This same structure led to a 1,000% move in only 3 weeks. I know the XRP community is excited right now but keep your composure, stay focused, and enjoy the ride; we're just getting started now! 

1,000% is a 10x! 1,000% is a 10x. So if we run with we were at $1.90; we went down to 2 bucks. We'll see where we finish off the month and the yearly candle. We'll see what we end up printing as we close off this year, but the next leg up you’re talking about a 10x if we follow the 2017 fractal. We're talking a $20 XRP over the next month. Now don't take that to the bank; don't clip this up and tell me that, you know, I said XRP was going to 20 bucks for sure in the next month. 

But if we follow this fractal, you still got a 10-bagger coming up for you in the next month. That makes me uncomfortable, just thinking about that over the course of the next month. Lawsuit conclusion, what else could we see in the next month? Trump inauguration? Does Dark Defender concur? Let’s see what Dark Defender has to say; hi all, hope you enjoyed your holiday. 

On November 20th, when XRP hovered around $1, I shared a Bull flag scenario in a 4-hour time frame on November 30th we hit our Fibonacci target of $1.88, on December 2nd we touched $2.90, considering the initial 4-hour pattern we now have a similar pattern in the daily time frame. These patterns are almost identical. Today's structure, the second Bull flag, targets our second Fibonacci level of $5.85—not $585, but $5.85 just below our $5.89—but penetrates towards $10.19. 

Remember, this is a historical pattern approach; Fibonacci wave extends beyond $10; hold up, hold up—you thought $10 is kind of good? Our last Fibonacci target stands at $32 and $36. There are no significant targets in between; enjoy—not financial advice. Here’s your full chart; there's the full move; we're looking right here. 

I mean this—all the way up here to $18 and he’s got another Fibonacci all the way up at $36. It's crazy! If we end up following this 2017 fractal, it's not a run to $5; it's not a run to $10; it's a run to $20! And when I think about how life-changing that will be for me and our community, it just has me so excited for this year. 

Like alien invasion, Black Swan market crash, whatever they have planned for us, we're just not going anywhere. We're not leaving; we just continue to stack and buy. We will get rich or die trying; we are not scared of anything. I don't know about you guys; I'm not scared of the aliens; I'm not scared of drones; I'm not scared of a Black Swan; I'm not scared of anything. The only thing I fear is not reaching my full potential, and that's my energy. 

I want that to be your guys' focus as we go into 2025, considering the life-changing gains for XRP that are baked into this chart, that are set in the fundamentals that are already there from a legal standpoint. All stars are aligning, all riddles are aligning, all decodes—every single fact, every single data, every single metric—look at the order books, look at the memes! 

What's bearish about XRP? Can anybody answer that question? Is there anything bearish about XRP right now? The only thing that I can think of is that there's sell pressure at some of these levels on the way up. There's some bumps on the road, but that's just typical after an asset moves up hundreds and thousands of percent to have a little bit of selling off; that's not even bearish, that's just some profit-taking along the way, climbing higher and higher. 

Now I have my plan ready to go; I just want to make sure that everybody else has their plan ready to go as we look at the year ahead going into 2025. Like I said, alien invasion whatever they have in store for us, we're not going anywhere. They can tell me that the aliens have arrived; the mother ship is over New York City, and I’ll just go check and see if the charts nuke. 

We’ll just go buy. As long as the exchanges are online, like I said, you know some of these coins are already at attractive prices for me. If they go lower, we're just going to buy more. I'm not buying any more XRP at these levels, and I won't buy any more XRP unless it went below 50 cents, and I don't think that ever happens again! 

And what's interesting about this setup is even if we did get hit hard, XRP has big support even down at $1.60 but we're holding $2. There's a massive buy wallet at $2; there are too many people that want to buy XRP at $2. And so we're in accumulation phase; the next leg up higher, we've got the charting guy, we've got Waters Above, we got Dark Defender. You go down the AR list of everybody that does TA; they're telling you the same thing that the next leg up for XRP is coming! 

Now some folks don't want to, you know, don't want to go off of historical patterns and they don't want to, you know, give any recognition to the 2017 fractal; they want to say that was 2017, now we're in a different year, different time, different setup. And to me, I say, well, yeah, it's more bullish; it's not probably going to move as easy because it's already a bigger asset, but the setup is bullish. 

There's more liquidity; there’s more access. So you know, somewhere in between the conservative TA—which the conservative TA is at about, you know, 8 to 10 bucks this bull run—there are some guys that really hate XRP, and so they're not willing to say that XRP won't go to an all-time high, but they're only willing to say, you know, $4 or $5; those are like the— that’s the worst anybody who says that XRP won't go to an all-time high this bull run, they’re either bought and paid for, or they're just trolling, or they're just whatever; it doesn’t matter what they say.

The most basic conservative TA saying, you know basically $5 to $10 bucks and then for those who want to tie in historical fractals, who want to pull the Fibonacci levels and see how far they can extend up. I'm here for it, right? Anywhere between 10, 15, or 20 bucks sounds great to me! 

And what I'm interested to see is where we can stabilize, what floor price we can set on XRP going forward. That's what's going to be so fascinating to me this bull run; if XRP goes up to $20 bucks, can we hold a floor price support down at $10 bucks? If XRP goes up to $13 bucks, we come back down to $4 bucks! 

How is this going to play out? That's the fascinating part of this story for me this bull run. Glitching The Matrix, thank you for the Five Spot. We should keep calm, be patient, be confident, and enjoy the XRP journey ahead of us. Peace and good health with you all; absolutely, 100%! 

And that's why I said I don't care what they do—I mean, I do; I'm praying for peace; I'm praying that it's not too bad, but I know they're getting desperate. Send the aliens! I'd love to buy that dip. Like that—that's what we’re going to do; we’re just gonna buy the dip on the alien invasion; not a big deal. In fact, if the aliens arrive, I'm going to try to sell them on XRP. I'm going to make that TikTok tomorrow. 

Maybe would that be a good TikTok or that just be silly? I don't know; I'm going to make that TikTok. I don’t care what they send: aliens, giants. Will there be an XRP buyback? No, I don’t believe so; no, I don’t believe there will be a buyback. But we did put together our defense just in case, just in case; but it's looking like we’re in the clear. HBAR? Yeah, I'm bullish; I'm bullish; I think HBAR can do a buck fifty to two bucks this bull run. That's why HBAR still is attractive to me right now. 

What is HBAR at? I haven't even checked some of these other…I really haven't been paying attention to the markets too much. Okay, HBAR is printing a bull flag too; look at that; look at that bull flag on HBAR full swing of 842—the lows right before the election. HBAR very strong chart, printing a bull flag, higher lows being set, right? We came back down here one final move to 23 cents that was on Friday, December 20th, and then we've set lower.

Sorry, we set higher lows ever since and we're starting to build back up here moving back towards 30 cents for HBAR. But I like HBAR because you can buy it now and still, you know, see this thing run up to $1.50 to $2 bucks, catch a 3X, 4X even buying at these levels! Link to $100? No, no, I don't see that. See where's Link at? Did I skip it? There it is; yeah, Chainlink at $21; all-time high 50. 

Yeah, you know, I mean, okay, okay, it's going to have big sell pressure at $100 though if it reaches that level, yeah, yeah, I could see Chainlink maybe going to $100 bucks this bull run, but that's going to be a tough push. Love your shirt, love your shirt—yeah, thank you! If you guys want to buy the shirt, it is available at my website, zack.com. You can get this shirt; you can get it in a long sleeve; you can get it in a crew neck, a hoodie, and we got some special stuff on the way too, guys, more merch coming—XRP family merch—a lot of XRP family merch coming.

XLM will follow XRP; yes. Would you stake your HBAR on Hashback? I'm not interested in staking my HBAR right now. I don’t know; what are they offering? Flare is cheap, Dennis. Yes, I believe. Did XRP do a death cross? No, no, I mean maybe it did; I don't believe that it did. I don’t look at the moving averages personally. 

R3 Corda is going to light up the H’s; yep, yep! R3 Corda is neutral, so XDC is primarily used over there, but they can use XRP, they can use other cryptos as well. PY says I remember the first online presentation HBAR did so many years back; it was super scary what they showed they were doing back then. Then I kick myself for not—it then! Yeah, PY, I'm feeling the same way about a lot of these other cryptos. I'm kicking myself for not deploying more capital when we were at our lows over the past year. But I slept well having my liquidity at night. 

The volume 24-hour is diving for USDT; say something about it. Yeah, Tether's de-pegged, so folks are getting out of Tether. What do you think about taxes? When we cash out crypto's taxes, property—so if you've had it for less than a year you're going to have short-term capital gains; if you've held it longer than a year, you'll have long-term capital gains. 

It needs to be understood when you sell how much you are going to be paying in taxes because yes, every single transaction is a taxable event. Axide, hey Zach, I plan on making a return to the group this year. It's been a while from work—still got any fun plans for an East Coast Meetup? Yes, I want to go to Florida; Florida is on my list for next year. That’s the plan! I don't know if I'll make it anywhere else on the East Coast, but I want to go to Florida, yes!

Yep, Aide, appreciate you, brother; appreciate you. Love to have you back in the group. I know that happens; you know we have a lot of folks that come and go, and I get it, man. It's like if you don't even have time to allocate towards the Discord group, I mean, I appreciate you just supporting the cause and supporting the community. But I get why folks have to kind of come and go and we've had a lot of new people coming in. 

With the market, you know, kicking back up, folks have been interested, and now that XRP's been moving, folks want to get together and XRP strategy; they want to start, you know, planning for wealth, building out their estate plan, starting their business, starting their side hustle, getting together with a community of like-minded individuals that are going to continue to lift them up and empower them. That's where the real value is! But yeah, I know, man; it’s busy; it's been a busy time. 

Now’s the time to get locked in though heading into 2025; we got to be locked in because these cryptos are moving. I’m worried because so many people are thinking that we’re following the traditional cycles, and Bitcoin's going to top out sometime in November of 25, and so they're expecting to be able to wait around until the end of next year to take profit on their altcoins, which could very well pump in spring. 

Like for XRP, I mean, this thing can pump up to some of your guys' targets up here in the next month, so we need to be ready. That's the point. Just because Bitcoin historically tops out in November or December every four years—and that would line up with November-December of 2025—XRP topped out in April of 2021. Many of the other altcoins topped out in April-May of 2021, and they didn't hit another new high in November, so you gotta watch out for that, and you gotta stay ready. 

Clear Water? Yeah, I know, I know. Yeah, I hear a lot about Clearwater because I watch Ben Mala. I like to watch, you know, I got a couple of different real estate guys that I watch, real estate channels on YouTube, and I really like Ben Mala for the entertainment and the education that he provides. He’s a funny guy. He’s a funny guy. So I know about Clearwater; I know about that area. 

I want to have some time down in Florida to kind of explore and look around and meet up with you guys down there, so yeah, we'll let you guys know when we're going down to Florida for sure. Yes, keep it simple! Still, you know it, brother; just keep on accumulating! Yeah, insurance and taxes have now exceeded mortgage payments! 

Yeah, I know! I definitely want to look at real estate down in Florida. I want to kind of see firsthand. I don’t— I don’t know, man. It's crazy to me what's happening down there on that coast, not just Florida but just, you know, all the way over to Louisiana, Texas, the hurricanes and the extreme weather that we've been getting. It's just—I don't know how you guys do it, man. 

It’s wild down there; guys just ride out these storms one after another, and here I am complaining and being a little softy in my 38-degree sideways rain. Oh, it's so rough! And then we see you guys just get hammered by some real storms. It's like, okay maybe I can not complain about the gray clouds that we got here in the Northwest.

Any other comments or questions? Keep them coming, guys. Just watching these markets right now; the volume's down, the market's dead; nobody's doing anything right now in large part. But what I have been fascinating—I pointed this out earlier—is that we still see positive inflows to Coinbase, or at least on Coinbase into XRP—so Americans are still wanting to get exposure to XRP. 

I wish I could get the flows from Robinhood—I’d be curious to see how many people are buying XRP on Robinhood because I know personally I know a lot of people that have been. Yeah, Tampa Bay got hammered! R Vasquez, you forgot my super chat! What was your super chat, brother? Sorry if I missed it. Oh, question: what happens to assets paired to USDT? Would we be able to cash out? 

Yeah, but you might not be able to get a dollar for your tether; that’s the problem. You could convert into tethers, but would you be able to get a dollar for your tether? Right now, you're not getting a dollar for your tether; you're getting 99 cents, 99.8—something that might not sound like that much but at scale, that's something! 

And as these exchanges de-list Tether then you wouldn't be able to cash out into Tether or cash out from Tether, I should say, on those exchanges. It wouldn't be an available liquidity payer. So what you want to do is hold spot positions. A lot of margin trading, a lot of futures exchanges are all done with Tether, and so the only liquidity that you have is Tether and that is a problem. 

Versus if you go to exchanges like Coinbase, they have pairs for XRP, US dollar, XRP, USDT, XRP, USDC, XRP, Euro dollars—I don’t know if they have any others too, but just on the US exchange— the US version of Coinbase, they have those pairs available just for XRP. 

So yeah, make sure that you have other avenues, other pairs for your assets. If you only have a pairing into Tether, that should be a reason for concern. Even if Tether doesn't go away, even if it's just being de-pegged slightly like we're seeing right now, that can matter depending on how much you're cashing out! 

Zach, why wouldn't banks just use RL USD for cross-border payments? Ben, that's the thing; good question! A lot of people asking that; you still need a neutral bridge currency when you're going cross-border and when you're going from, you know, one currency to another, and so that's the advantage that XRP will always have over the stablecoin. 

The stablecoin's great if the other party will accept dollars; not everybody wants dollars; and you have to understand that every RL USD transaction on the XRP ledger burns XRP, and every wallet that gets opened up for RL USD is locking up XRP. So RL USD is locking up and burning XRP as it gets minted and created and as it gets, I shouldn’t say the RL USD is not getting burned; XRP is getting burned.

So as the RL USD is moving and getting traded, XRP is being burned. Do I think the XRP will hit $25 this year? Mandy, I think it can; it’s the top end of my targets for XRP; it's 20 to 25, you know, I would be happy to see it go further but I'm also not banking on $25 XRP; you know, I'm not—it's not a guarantee for me, but it definitely is a possibility. 

Gibson family, does Ando Finance have any potential? Well, it's a good question. Thank you for the super chat; it already has pumped up into price discovery. I don't know what it's been doing lately. Let me pop it up here real quick for us to look at— it was heavily pumped up already and so right now it's at $1.46. 

What has it done over the last month? Okay! So it's really come back down; it was over $2 earlier this month; now it's come back down to $1.46. The problem with Ando is it's a new coin, so it's already into price discovery. This is a head and shoulders pattern that actually looks really bearish right now on this chart. 

That to me looks like a basic head and shoulders not looking good for Ando from a technical standpoint, from a fundamental perspective, there is something there, but it's not enough to make me invest, so Ando for me is a pass right now. Does it still have the potential to run up to a new all-time high? Sure, but the opportunity there is not as attractive to me at this point.

I haven't done a full deep dive on their fundamentals and their story though, but from what I've researched, it was just heavily hyped on the news that BlackRock was going to tokenize basically be in a partnership with Ando; they've kind of hung their hat on that one, but other than that, I mean BlackRock has issued their tokenized Treasury bills on other chains as well too. It's not just Ando! 

So it's like, that was Ando’s story but now it’s the story for many other chains that BlackRock's issuing their tokenized Treasury bills on as well too. Johnny Krypto, yo! What's up, Zach! Long time no see, brother! Johnny K here wishing you a great day; we should hop on a live together. Johnny, come on in, man! I can come on your guys’ show again too. I loved coming on the Good Morning Crypto show! 

Can’t wait to see you in Vegas again, brother! You guys did a great job in the documentary too! Yeah, much love brother; I’d be happy to get on a live with you anytime. Anytime! Let’s reconnect; yeah shoot me a message and we’ll get connected again, get back on the Good Morning Crypto show, man. I got to give you guys a shout out too Johnny! I love to see it because, you know, when this thing was popping, I was watching the Good Morning Crypto guys. 

What was it? What were they streaming? They were streaming something and they had 990,000 people! I thought it was 50,000, I forget; it was just ridiculous! It was like Good Morning Crypto had like 50,000 viewers, 90,000 viewers, because they, you know, they’ve got Coach JV, they’ve got Johnny, they’ve got Abs, they’ve got the whole gang. So you got, you know, quite a few live streams rolling at the same time, but altogether they were pushing tens of thousands of viewers and then I saw ML had a stream going; he had like 5,000, and then I saw the DeGens, they had their spaces going nonstop. 

So the DeGens had a few hundred people in there, and I was just like man! The XRP community is popping right now! We have hundreds of thousands of people! And so my most recent live, I did