IT’S TIME FOR ACCESS TO THE NEW ECONOMY…BECAUSE MONEY IS CHANGING

Educating the Body of Christ on what is occurring with our financial system

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TIME FOR ACCESS TO THE NEW ECONOMY

• Buying digital assets right now is like buying the picks and shovels of the gold rush (State Street Global advisors)
• "It's not if it fits, but how it fits in your portfolio" (because it isn't going away) - All the world Class asset managers are getting exposure to the space.
• Buying digital assets right now is like how the early investors in railways in the US made their fortunes. (Cornelius Vanderbilt, John D. Rockefeller, Andrew Carnegie)

Kairos Time

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IN 2024 THE ANNUAL STABLECOIN TRANSFER VOLUME REACHED $27.6 TRILLION, SURPASSING A COMBINED VOLUME OF VISA AND MASTERCARD IN 2024 BY OVER 7.68%�SOURCE: COINBASE

THIS TRANSITION STARTED OVER 10 YEARS AGO

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Source: CB Insights

MARKET FORCES DRIVING THE “INTERNET OF VALUE”

Highly secure digital version of a ledger that is distributed

Distributed Ledger Technology (Blockchain, Hyperledger etc…)

Digital money that is based on the value of something else, such as Fiat and treasuries

Stablecoins

Creating a token that represents a share or claim to an asset

Tokenization

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DeFi

Digital assets

Decentralized Finance – provides financial services without intermediaries like banks

Crypto, Real-World Assets, CBDCs = Central Bank Digital Currency – Digital assets are created to be transferable on a blockchain

Enabling the world to move value the way information moves today

WHY STABLECOINS – “STABLECOINS ARE OUR FIRST REAL SHOT AT DOING FOR MONEY WHAT EMAIL DID FOR COMMUNICATION: MAKE IT OPEN, INSTANT, AND BORDERLESS.”

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Source: A16Z Crypto

TOKENIZED ASSETS

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Source: Mckinsey Insights

“The market for tokenized financial assets is expanding at a breakneck pace. The total value of tokenized assets is expected to reach $6 trillion this year and soar to nearly $19 trillion by 2033—a staggering compound annual growth rate of 53%. Source: Ripple

WORLD’S LARGEST ASSET MANAGER

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DEFI “DECENTRALIZED FINANCE”

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COMPONENTS OF DEFI – LENDING AND BORROWING ONCHAIN

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Trader/Swapper

Pays swap fees to the exchange when they exchange (trade) one token for another. Swap what you have for what you want.

Decentralized Exchange (DEX) – collect fees (yield) as a liquidity provider

Liquidity Provider

Supplies Liquidity as a market participant who supplies and deposits a pair of tokens into a decentralized exchange and earns a portion of the swap fees earned by the exchange. They are free to add or remove their tokens at any time.

DIGITAL ASSETS ARE HELD IN DIGITAL WALLETS��GLOBALLY, CASH AND CARDS NO LONGER MAKE UP THE LION’S SHARE OF RETAIL TRANSACTIONS

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VISA REPORT

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Source: Visa

“New ways to pay lead to calls for new forms of money”

MASTERCARD REPORT – WHAT TO EXPECT IN CRYPTO IN 2025

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Source: Mastercard

Highlights:

• “The crypto industry has proven that it has matured”
• “I believe we will move to a world where both tokenized commercial bank deposits (checking and savings accounts) and stablecoins coexist, where transactions such as tokenized asset purchases start with tokenized money in bank accounts and settled through stablecoins.”

Raj Dhamodharan, EXECUTIVE VICE PRESIDENT, DIGITAL ASSET & BLOCKCHAIN PRODUCTS & PARTNERSHIPS

Financial System That’s Developing

Major institutional money + value (Digital Assets - Money Market Funds, bonds, real estate etc) moving on-chain

BIS/WEF/Central Banks pushing on-chain

for money control

"DeFi - Institutional DeFi (Billions of $$) chasing high yields to beat the stock market

AI - agentic trading

and market analysis

Perfect Storm

Global Financial

Changes

MY SUGGESTIONS ON OUR RESPONSE TO THIS AS CHRISTIANS

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1. As many as possible in the body of Christ need to own these new “financial rails”.
2. Get prepared to operate in this new digital economy:
1. Get understanding of “digital wallet” technology
2. Get understanding of “tokenized money” and smart contracts technology.
3. Where can you and your organization start taking baby (or bigger) steps?
3. Start looking at gold, silver and digital assets as alternate places to park cash in addition to US Treasury.

CLASSIFYING DIGITAL ASSETS

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Source: MSCI

Digital Currencies – Bitcoin

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Blockchain infrastructure – Ethereum, Chainlink and Ripple

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On-chain derivatives – Pax Gold, USDC and Tether

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Digital Asset Applications – Uniswap and Filecoin

SUMMARY RECOMMENDATION – MONEY MANAGEMENT

Digital Gold (Blend of Kinesis, Paxos WisdomTree, Glint or TransactionalGold)

Crypto Investment basket

Treasury augmentation utilizing stablecoins

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Priority

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DeFi Investment Strategy

GOLD AND SILVER

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• The bible talks about gold over 400 times
• Haggai 2:8 God says “The silver is mine and the gold is mine,” declares the Lord Almighty.
• Isaiah 60 God talks about the “riches of the nations” and “bringing your children from afar, with their silver and gold, to the honor of the Lord your God.”
• If you dig in, you see over and over that God associates gold and silver with His glory. (Ark of the Covenant and the Menorah made with gold)
• I want to propose to you that God wants His children owning it and using it for His glory. (along with all of our wealth)

PARABLES OF THE TALENTS AND THE MINAS – �MATTHEW 25:14-30 AND LUKE 19:11-27

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Matthew 25:21, 23 (Parable of the Talents): The master's commendation, "Well done, good and faithful servant... Enter into the joy of your master," demonstrates that God is pleased with those who are faithful in using what He has given them to produce results for His kingdom. 

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Luke 19:11-27 (Parable of the Minas): This parable highlights the master's expectation for his servants to "do business" with the money entrusted to them and to produce profit.

IF YOU WOULD LIKE TO LEARN MORE

• Resource page: https://www.skyrocketfinancial.com/resources.html

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• Where you can download the presentation: https://www.skyrocketfinancial.com/downloads.html

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• Christian Crypto YouTube channel
• Email: tony@skyrocketfinancial.com
• Mobile: 770-540-6229

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Free resources

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THANK YOU FOR YOUR TIME!

DIGITAL GOLD

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1. Paxos Trust Company offers PAX Gold (PAXG), a digital token backed by physical gold. Each PAXG token represents one fine troy ounce of gold stored in London Bullion Market Association (LBMA) vaults. Paxos, a regulated entity by the New York State Department of Financial Services, ensures security, regular audits, and the option to redeem tokens for physical gold or its cash equivalent. Website: https://paxos.com/paxgold/
2. Kinesis Money offers KAU, a digital currency backed by gold. Each KAU represents one gram (not an ounce) of fine gold stored in audited vaults. This digital currency combines the benefits of gold's inherent value with the utility of a digital asset, allowing for trading, earning, and making payments in physical gold globally. Kinesis emphasizes the ease of owning gold without storage or insurance fees, and the KAU's value is derived from the global aggregation of physical gold bullion costs. Website: https://kinesis.money/gold/ Uses the Stellar blockchain. (KAU and KAG have been built on a bespoke fork of the Stellar network)
1. vaulting hubs in London, New York, Brisbane, Sydney, Toronto, Hong Kong, Dubai, Istanbul, Vaduz, Panama City, Zurich, Batam and Singapore, provides gold and silver bullion redeemability globally
2. A virtual and physical card program with hybrid banking functionality, providing a complete solution for making payments anywhere in the world, using digitized physical gold and silver.
3. A yield system, where a share of global transaction fee revenue is distributed back to the users for their everyday participation in the system.

3. Glint - Glint is not a cryptocurrency or digital token. Your gold is physical gold bullion, that is legally allocated to you and stored in a Brinks vault in Switzerland. You have constructive possession of your Gold under law.

• For every ounce of gold held in your account there is an ounce of physical gold owned by you in the vault. There is no token, fund or bank that sits between you and the ownership of your Gold.
• Buy gold knowing that it is allocated gold, owned by you. You can purchase any amount, any time, at market rate with a fee of 0.5%
• You can move your money into GBP, EUR and USD and spend in any of the more than 150 currencies that Mastercard offers, with only a 0.5% transaction fee. You can now share US Dollars, between Glint accounts, instantly, securely and for free. https://glintpay.com/us

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PAXOS – OPERATES WITH FULL REGULATORY AND AUDIT APPROVAL

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• In 2018, the USD-backed PAX Standard token was granted regulatory approval by the NYDFS and continues to be overseen by the regulator.
• In July 2019, the NYDFS granted regulatory approval for the PAX Gold token. The approval process included an in-depth vetting of Paxos’ internal token-specific operational and compliance workflows and its consumer protection measures. In addition, Paxos has secured the advice of legal counsel that PAX Gold should not be considered a security or futures contract under U.S. securities and commodities laws.
• Financial Audit Paxos works with a third-party, independent, trusted, nationally top-ranking public accounting firm to review and attest on a monthly basis that PAX Gold tokens correspond 1:1 with ounces of London Good Delivery gold held in vaults by verified third-party partners. Paxos works with Brink’s bullion vaults as their vault custodian.  Insured against loss for the benefit of PAXG token holders.
• Smart Contract Audit The PAX Gold smart contract is based upon the Paxos Standard smart contract which was audited by three third-party specialists (Nomic Labs, ChainSecurity, and Trail of Bits) in September-October 2018. In January 2019, Trail of Bits performed an additional audit for a potential upgrade to the PAX USD smart contract.
• Once the PAX Gold contract was developed, Paxos engaged two third-party specialists: ChainSecurity and CertiK. ChainSecurity, a leading research lab in blockchain security, audited the new code differentiating PAX Gold from PAX USD and proposed amendments which Paxos implemented. CertiK, a technology-led blockchain security company founded by Computer Science professors from Yale University and Columbia University, audited the entire PAX Gold smart contract and performed formal verification using its proprietary technology that applies rigorous and complete mathematical reasoning against code.
• Transaction Monitoring and Surveillance Paxos utilizes third party analytical tools from ComplyAdvantage and Chainalysis to monitor transactions on its platform and on the blockchain. Monitoring is conducted to detect and investigate potential instances of fraud and money laundering.

EARNING YIELD ON YOUR PAXOS GOLD

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Ways to earn yield on your Paxos Gold token (PAXG).

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Lending Platforms

1. Nexo: Offers up to 7% APY on deposited PAXG. Users can lend their tokens and earn interest, with interest payments made periodically.
2. YouHodler: Provides yields of up to 10% APY on PAXG deposits. Interest is paid weekly, allowing for flexible access to funds.
3. Crypto.com: Allows users to earn around 6.5% APY on PAXG deposits, and also offers features like a debit card linked to the PAXG holdings for easier spending.

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Interest Accounts

• CoinLoan: Users can deposit PAXG into an interest account and earn an APY of 5.2%, potentially increasing to 7.2% when combined with CLT staking.

KINESIS

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Yield opportunities with Kinesis

GLINT

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• https://glintpay.com/us
• Glint is not a cryptocurrency or digital token
• Your gold is physical gold bullion, that is legally allocated to you and stored in a Brinks vault in Switzerland. You have constructive possession of your Gold under law.
• For every ounce of gold held in your account there is an ounce of physical gold owned by you in the vault. There is no token, fund or bank that sits between you and the ownership of your Gold.
• Buy gold knowing that it is allocated gold, owned by you. You can purchase any amount, any time, at market rate with a fee of 0.5%, Gold is also available to buy on weekends at 1% fee.
• You can move your money into GBP, EUR and USD and spend in any of the more than 150 currencies that Mastercard offers, with only a 0.5% transaction fee.
• You can now share US Dollars, between Glint accounts, instantly, securely and for free.
• Using the Glint Debit card you can buy a coffee, your groceries or your next flight with gold. Spend with ease and confidence anywhere you see Mastercard® The Glint Mastercard® is accepted globally in 210 countries.
• Glint 5 Truths video on how it works:

https://www.youtube.com/watch?v=1KL2GIGeWCU

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As of 10/2/24

TRANSACTIONAL GOLD – KEVIN FREEMAN (PIRATE MONEY AUTHOR)

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• https://transactionalgold.com/ - not crypto or tokenized gold (today)
• Kevin is a Co-Founder of the National Security Investment Consultant Institute (NSIC) and Partner, EWR-Media Holdings, LLC. He is the Host of Economic War Room with Kevin Freeman (BlazeTV), a NY Times bestselling author, and considered one of the world’s leading experts on the issues of Economic Warfare. He holds the CFA designation, and his research has been presented in critical DoD studies.
• Combine existing technology with US Constitution Article 1, Section 10 and you have what is called Transactional Gold – a debit card with full electronic features like Apple Pay or Samsung Pay but issued by a state.
• It is a state-based gold and silver account which comes with the benefits of being legal tender.
• In Texas for example there is an existing Bullion Depository together with existing commercial applications, you get gold-based, state-backed, constitutional money that works in a modern economy!
• Process:

OPENING AN ACCOUNT, ENTERING YOUR INFORMATION, AND CONVENIENTLY TRANSFERRING A PORTION OF YOUR MONEY INTO GOLD AND SILVER EASILY.

• Then when you go to a restaurant, use a debit card to pay for your meal in gold, rather than fiat (Federal Reserve Notes) money. One big negative right now (hopefully non-issue after Spring 2025), incurs a taxable event
• It is not at risk from attacks on the American dollar by Russia, China, the BRICS nations, or others.

CRYPTO BASKET – TO CONSIDER (NOT FINANCIAL ADVICE)

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Merchant payments - Stronghold has received investment from Ripple, which aligns them within the Ripple ecosystem. This investment supports Stronghold's mission to provide fast and secure financial services

XRP – (AKA Ripple) -

I believe XRP will be a fundamental part of the new financial system. Ripple is actively involved with the BIS through its participation in various task forces aimed at enhancing cross-border payment systems. For instance, Ripple is part of a task force that seeks to improve interoperability and efficiency in global payments, working alongside major financial institutions like Mastercard and SWIFT.

XLM – (Stellar Lumens)

BTC (Bitcoin)

“Digital Gold” By the end of 2024, 33 publicly traded companies had Bitcoin sitting on their balance sheets. 

ETH (Ethereum)

#2 in market share and most crypto applications support ETH

Also fundamental part of new financial system –many major systems run on Stellar. Enables Instant Global Payments

SHX - Stronghold

SOL (Solana)

#3 in market share and very strong competitor to ETH

CRYPTO BASKET – CONTINUED (NOT FINANCIAL ADVICE)

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Enhances Bitcoin by providing a layer that enables smart contracts and decentralized applications (dApps) to operate on the Bitcoin blockchain.

FLR – (Flare)

Ripple invested in Flare Networks in 2019. Integration allows XRP to utilize Flare's smart contract functionalities through a wrapped version of XRP known as FXRP. Flare is designed to extend the utility of XRP by enabling smart contracts on its network. This is achieved through the FXRP protocol, which allows XRP to be wrapped as FXRP on the Flare Network. This process enables XRP holders to utilize their tokens in smart contracts, thereby expanding their use cases beyond simple transaction.

STX (Stacks) -

https://coinmarketcap.com/currencies/xdc-network/#News

XDC (XDC Network)

XDC Network was the first and only blockchain invited to join the Trade Finance Distribution Initiative (TFDi), a consortium of the world's leading banks and non-bank financial institutions established to bridge the $5 trillion trade finance gap. - rolled out its first compliant U.S. Treasury token, USTY, representing blockchain-based versions of shares in a U.S. Treasury bond exchange-traded fund (ETF).

AXL - Axelar

A programmable interchain blockchain. Axelar will serve as the exclusive bridge for converting XRP into wrapped XRP (eXRP), which will be utilized as the native asset and for gas fees on the XRPL EVM (Ethereum Virtual Machine) Sidechain. Ethereum has built programmable money. Axelar is building programmable interoperability. Axelar connects more blockchains than any other interoperability provider – and the gap is widening.

CRYPTO BASKET – CONTINUED (NOT FINANCIAL ADVICE)

RNDR - Render

Render is a decentralized platform that connects digital creators needing GPU rendering power with GPU owners who have idle resources. Think of it as the Airbnb of high-performance computing.  GPU owners lend out their processing power, and in return, they’re paid in RNDR tokens. Have a partnership with Nvidia.  Surging Token Utility and Demand - Over the past year, RNDR’s utility has surged by more than 60%, reflecting increasing adoption by digital artists and studios. 

HBAR - Hedera

High transaction speeds and near-instant finality, surpassing Bitcoin and Ethereum in efficiency. Highly suitable for enterprise-level applications. Strong Corporate Backing: Google, IBM, Boeing, and LG. Supports various applications, including tokenization of assets such as money-market funds, decentralized finance (DeFi), and enterprise solutions. HBAR and the Hedera network are being used for carbon credit tokenization. Hedera's Guardian system brings transparency, trust, and sustainability to the forefront of climate change mitigation efforts. SWIFT chooses HBAR for live bank trials, signaling major financial adoption. Hedera is the preferred L1 DLT for the International Institute of Finance, representing 450 of the world’s largest banks.

ONDO

– Ondo Finance

Ondo is “bringing institutional-grade finance to everyone.” The ONDO token serves multiple purposes within the Ondo Finance ecosystem, particularly tokenizing Real-World Assets (RWAs), such as US Treasuries. Ondo has over 96 partnerships which include many major banks and financial institutions including Blackrock. They are a key player in making illiquid assets more accessible and tradable globally. This multi-faceted utility ensures that ONDO plays a critical role in both user engagement and ecosystem growth while maintaining compliance with financial regulations. 

CRYPTO BASKET – CONTINUED (NOT FINANCIAL ADVICE)

Link - Chainlink

The leading decentralized oracle network, bridging real-world data to blockchains, essential for smart contracts. They are a key part of the Financial Market Infrastructure;

SWIFT is working with Chainlink to enable cross-chain transfers of tokenized assets. This collaboration involves over 12 major financial institutions including BNY Mellon, BNP Paribas, Citi, Fidelity International and MANY more. As blockchain adoption grows across DeFi, insurance, and supply chains, Chainlink's role and the value of LINK tokens are poised to increase.

ATX - Aethir

A decentralized compute infrastructure platform focusing on AI and gaming. It's positioned as a key infrastructure player for the future of decentralized computing. As of January 2025, Aethir reported $91+ million in annual recurring revenue, making it the most profitable DePIN (Decentralized Physical Infrastructure Network) on the market. Aethir announced numerous premium partnerships with industry leaders in AI, Web3, and gaming sectors in early 2025, expanding its ecosystem. Aethir has been rapidly expanding GPU supplies, onboarding more Cloud Hosts to provide cloud computing services at scale. They've become the first GPU DePIN to onboard cutting-edge NVIDIA H200s for AI Inference.

KAVA - Kava

Battle-tested DeFi platform that unveiled the largest decentralized AI model to date, powered by DeepSeek R1. The project marks one of the most ambitious efforts yet to integrate large-scale artificial intelligence into blockchain networks https://www.kava.io/

DEFI –DECENTRALIZED FINANCE

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• DeFi is “financialization” – I.E. making money with money

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• DeFi enables “value” transactions to be performed without any intermediaries

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• DeFi, refers to a financial system that operates on a decentralized network of computers rather than relying on a single central authority like a bank or government.

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DEFI –DECENTRALIZED FINANCE

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Key points of DeFi:

Decentralization: DeFi uses blockchain technology and smart contracts to enable financial transactions without intermediaries.

Transparency: All transactions are recorded on a public ledger, making them transparent and verifiable.

Accessibility: DeFi services are accessible to anyone with an internet connection, removing barriers to entry.

Security: By eliminating single points of failure, DeFi can enhance security and reduce the risk of hacks.

Innovation: DeFi supports a wide range of financial services, including lending, borrowing, trading, and investing, often with lower costs and faster processing times.

WHAT ABOUT AI? - WAYS AI AND BLOCKCHAIN ARE WORKING TOGETHER TO SHAPE THE FUTURE OF DIGITAL ASSETS

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Enhancing Security and Trust

Integrating AI with blockchain enhances security protocols by enabling real-time monitoring and anomaly detection. 

AI algorithms can analyze transaction patterns to identify suspicious activities, strengthening the integrity of blockchain networks.

This combination addresses concerns related to fraud and cyberattacks, fostering greater trust among users.

Decentralized AI Marketplaces

Blockchain facilitates the creation of decentralized marketplaces for AI models and data. 

These platforms allow data owners, AI developers, and users to collaborate without intermediaries, ensuring data privacy and fair compensation. 

For instance, blockchain-based AI marketplaces enable the sharing and monetization of AI resources in a secure and transparent manner.

Improving Data Management

AI systems require vast amounts of data, and blockchain's decentralized ledger ensures data integrity and proof of ownership.

By storing data on a blockchain, AI models can access reliable and tamper-proof information, leading to more accurate outcomes. This integration is particularly beneficial in sectors like healthcare, where data accuracy is critical.

Smart Contracts and Automation

Combining AI with blockchain-based smart contracts enables the automation of complex processes. 

AI can assess conditions and trigger smart contracts when predefined criteria are met, streamlining operations in supply chain management, finance, and beyond. This leads to increased efficiency and reduced human intervention.

Personalized Financial Services

In the decentralized finance (DeFi) space, AI algorithms analyze user behavior and financial data to offer personalized investment strategies and risk assessments. 

This tailored approach enhances user experience and encourages broader participation in DeFi platforms.

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Comparison of liquidity providers (LPs) and banks

LPs in DeFi serve a function that is somewhat analogous to banks in traditional finance, but there are significant differences:

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Similarities:

• Providing liquidity: Like banks, LPs supply capital that enables financial transactions
• Earning returns: Both banks and LPs earn returns on the capital they provide

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Key differences:

• Decentralization: LPs operate in a decentralized system, without a central authority, unlike traditional banks
• Automated systems: LPs interact with smart contracts and automated market makers (AMMs), not human-managed systems
• Risk profile: LPs face unique risks like impermanent loss, which doesn't exist in traditional banking
• Accessibility: Anyone can become an LP in DeFi, whereas banking is a regulated industry with high barriers to entry
• Asset ownership: LPs retain ownership of their assets and can withdraw them at any time, unlike bank deposits
• Governance: Some DeFi protocols offer governance rights to LPs, which is not typical in traditional banking

IS THERE AN “EASY BUTTON” FOR DEFI? – NOT YET�- YEARN.FI IS ABOUT AS CLOSE AS IT GETS TODAY

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DEFI TREASURY AUGMENTATION STRATEGY

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• Summary: Buy US dollar stablecoins and deploy them into concentrated liquidity pools to earn 10-20% APY.
• (Example USDC-USDT pair)

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• The mix of assets backing the USDC stablecoin primarily consists of cash and short-term U.S. Treasury securities. Composition of USDC Reserves:
• Cash: A portion of the reserves is held as cash deposits in U.S. regulated financial institutions. Circle has stated that they are actively working towards holding the cash portion directly with the Federal Reserve to further enhance security and transparency.  
• U.S. Treasury Securities: The majority of the reserves are held in U.S. Treasury securities, which are considered highly liquid and low-risk assets. These securities are typically short-term in nature to ensure easy access to funds when needed.
• The mix of assets backing the USDC stablecoin USDT stablecoin is as follows:
• U.S. Treasury bonds: $100 billion (88.5% of total reserves)
• Bitcoin (BTC): 82,454 BTC, valued at $5.58 billion (4.9% of total reserves)
• Gold: 48.3 tons, valued at $3.87 billion (3.4% of total reserves)

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IS BITCOIN “RISKY”?

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Only 4 funds of 1000’s outperformed SPY

BITCOIN

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• By the end of 2024, 33 publicly traded companies had Bitcoin sitting on their balance sheets. This number is expected to DOUBLE in 2025. 
• Bitcoin’s track record outshines traditional investments (has broken almost every record), and with supply capped at 21 million, it’s only getting harder to acquire large amounts without moving the market.
• Every time a company adds Bitcoin to its balance sheet, it pulls more supply off the market. With demand increasing and supply shrinking, basic economics takes over – and prices climb.
• As companies continue to accumulate, Bitcoin’s reputation as “corporate gold” grows stronger.
• BlackRock, which has around $10 trillion in assets under management, described bitcoin as a "unique diversifier" to hedge against economic and political risk. Source: Forbes Blackrock on Bitcoin
• Larry Fink (CEO of Blackrock) said he had been "wrong" about bitcoin when he'd previously dismissed it as "an index of money laundering," admitting bitcoin is "digital gold” and a "legitimate" financial instrument.
• Bitcoin has traditionally been seen as a "hold-only" asset, but that’s changing.
• There are innovative ways Bitcoin holders can generate yield through staking, restaking, and Layer 2 solutions.

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HOW WILL ALL THIS AFFECT YOUR BUSINESS?

5 major disruptions:

1. Provenance
2. Payments and Financial Instruments
3. Identity
4. Contracts and Contract dispute resolution
5. Customer engagement

Blockchain/Crypto is here to stay and grow

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SUMMARY OF WHY THIS IS IMPORTANT TO BUSINESSES

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Your business should consider evaluating blockchain solutions if: ��1. Provenance is important to your business (vendors and/or customers) and if it will become more important in the future. �2. Paying and getting paid are important to your business (vendors and customers)�3. Eliminating Fraud is important to your business�4. Getting compliance, including getting paid on time through contracts or commitments is important to your business�5. Marketing to and reaching a growing new group of customers is important to your business.

BRIEF NFT DISCUSSION (NON-FUNGIBLE TOKEN)

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Tap into your product's potential. Tags are an NFC touchpoint that brings products to life, unlocking endless brand experiences for your audience with each interaction.

An NFT can get marked with certain accomplishments. Such as:

1) you make a social media post, you buy a specific pair pair of Nikes and you spend at least X $$$ on a site or you also interact with x number of wallets on some platform (think influence).

2) Those attributes can get written to your NFT enabling a higher level of access or discounts. This creates "value-creation loyalty programs".

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WEBSITES AND APPLICATIONS REFERENCED

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• https://www.ftpartners.com/ and https://ftpartners.docsend.com/view/24ij2vzp5udikxvv
• https://a16zcrypto.com/stateofcrypto/
• https://openeden.com/#how-tbill-works
• https://magiceden.io/
• https://nft.coinbase.com/
• https://opensea.io/
• https://www.binance.com/en/square/post/5269189407018 (ISO 20022)
• Other resources:
• www.economicwarroom.com
• https://www.coreysdigs.com/
• https://www.atlanticcouncil.org/cbdctracker/
• https://Transactionalgold.com
• www.piratemoneybook.com
• https://coincodex.com/article/27964/iso-20022-crypto/
• https://delinea.com/solutions/privileged-access-management-for-financial-institutions (Digital ID)
• https://auth0.com/blog/what-are-verifiable-credentials-why-you-should-care/ (Digital ID)
• https://www.microsoft.com/content/dam/microsoft/final/en-us/microsoft-brand/documents/11-ways-verifiable-credentials-can-transform-your-business.pdf
• https://www.unjspf.org/for-clients/digital-certificate-of-entitlement/?mc_cid=9178aaa669&mc_eid=b21e22445a (UN Digital ID use case)
• https://win.systems/ World Identity Network (giving orphans identity to help prevent human trafficking)

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RIPPLE AND HIDDEN ROAD - $1.25B ACQUISITION

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Will make Hidden Road the largest non-bank prime broker!

WHY XRP (RIPPLE)

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1. XRP has been recognized as a stablecoin by the World Bank, IMF, BIS, and UN. Gold preserves value but lacks mobility, while stablecoins offer liquidity yet remain tied to fiat. XRP bridges both, combining stability, scarcity, and efficiency, positioning itself as a vital asset.
2. Central Banks and Financial institutions are stockpiling physical gold, but they need a digital asset to represent that value in a fully digital system. XRP fulfills the role to represent that value.
3. Ripple has been working closely with the BIS

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WHY XRP (RIPPLE)

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4. Ripple has been actively engaging with a large number of financial institutions, potentially laying the groundwork for broader adoption of its technology and the XRP cryptocurrency in the future. According to recent revelations from court transcripts, Ripple has signed over 1,700 Non-Disclosure Agreements (NDAs) with major banks, financial institutions, and companies. Ripple NDAs

5. Ripple Joins BIS Task Force for Cross-Border Payments  (Ripple is indeed part of a cross-border payments task force formed by the Bank for International Settlements (BIS), and this initiative falls under the purview of the BIS Committee on Payments and Market Infrastructure. BIS Task Force

6. IMF March 2023 document "Trust Bridges and Money Flows A Digital Marketplace to Improve Cross-Border Payments" "D:\Blockchain and Defi\Ripple\IMF doc - Trust Bridges and Money Flows.pdf"

BOTH XRP and XLM are named as solutions to the new needed marketplace for a "a common settlement asset and a common settlement platform" and "a more promising model for a marketplace to trade tokenized money directly across borders. A shift toward digital money may reduce the need for bilateral trust relationships and foster more efficient and competitive market making."

WHY XRP (RIPPLE)

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7. Ondo Finance will deploy Ondo Short-Term US Government Treasuries (OUSG), its tokenized US Treasury fund, on the XRP Ledger (XRPL), a decentralized layer-1 blockchain.

8. All US Stocks are settled by the DTCC. Project Ion is an initiative by the Depository Trust & Clearing Corporation (DTCC) to modernize and enhance the efficiency of securities settlement using distributed ledger technology (DLT). The underlying technology for Project Ion leverages R3's Corda DLT software, a private, permissioned blockchain platform tailored for regulated financial institutions. Corda Settler and XRP: R3 introduced Corda Settler, an open-source decentralized application designed to facilitate global crypto and traditional asset payments within enterprise blockchain networks. Initially, Corda Settler supported Ripple's XRP as the first cryptocurrency for settlement, demonstrating interoperability between Corda and Ripple's XRP Ledger. R3 settlement

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9. Recent developments suggest that SWIFT is integrating Ripple's technology, including the XRP Ledger, to enhance cross-border payment systems. Key evidence includes: Integration via EastNets’ PaymentSafe: Ripple has been integrated into SWIFT through EastNets’ PaymentSafe platform. This integration allows XRP to move seamlessly across SWIFT’s network as an ISO 20022-compliant asset. The platform acts as a universal translator between legacy payment formats and modern standards like ISO 20022, enabling faster and more secure cross-border transactions.

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10. Ripple is enhancing the XRP Ledger by integrating Ethereum-compatible smart contracts via a new sidechain, expanding its functionality beyond basic transactions to include complex applications like decentralized exchanges and token issuance.

This development includes the use of the Axelar network for cross-chain token transfers, with Wrapped XRP (eXRP) acting as the primary token on this sidechain, facilitating broader interoperability and developer engagement.

11. Aug 2024 - OpenEden, a tokenization platform, has launched tokenized United States Treasury bills (T-bills) on the XRP Ledger (XRPL). This marks the first time a traditional finance (TradFi) instrument has been made available on a decentralized platform.

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12. Many of the banks in Japan are using the XRP Ledger.

13. The National Bank of Abu Dhabi is using Ripple to connect 30 other middle-eastern banks.

14. Ripple and the XRP Ledger own Metaco. Metaco is a leading provider of digital asset custody solutions, and it has partnered with Ripple to offer secure and compliant custody services for XRP and other digital assets. This partnership allows Ripple and its customers to benefit from Metaco's expertise in digital asset security and regulatory compliance. Metaco is Now Ripple Custody

Metaco is increasingly recognized as a leading provider of digital asset custody solutions for top-tier banks, establishing itself as a standard in the industry.

15. Ripple Collaborates with Archax to Bring Hundreds of Millions of Dollars of Tokenized Real-World Assets to the XRP Ledger Source: https://archax.com/insights/ripple-collaborates-with-archax-to-bring-hundreds-of-millions-of-dollars-of-tokenized-real-world-assets-to-the-xrp-ledger

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16. US Banking industry to choose Ripple (per BofA CEO)

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VICTORY BOARD DISCUSSION 4-28-25

• Major updates in the digital asset space.
• Major areas and considerations where Crypto and AI intersect.
• Current and future market cycles and M2 money supply narrative
• Concept and progress of crypto investment solution for non-profits.

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State of the financial world

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RIPPLE AND HIDDEN ROAD - $1.25B ACQUISITION

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Will make Hidden Road the largest non-bank prime broker!

MAJOR UPDATES IN THE DIGITAL ASSET SPACE.�

• Ripple acquires Hidden Road for $1.25B. Creates the largest non-bank prime broker. Positions Ripple as the first crypto company to operate a global prime broker, expanding its institutional reach.
• Ripple Labs reached a significant settlement with the SEC, resulting in a reduced penalty and both parties agreeing to drop cross-appeals regarding XRP’s status as a security.
• Stablecoin and Digital Market structure bills are in congress. The U.S. made major regulatory strides, with the GENIUS Act advancing in Congress and the Office of the Comptroller of the Currency (OCC) issuing guidance that allows banks to custody cryptocurrencies

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MAJOR UPDATES IN THE DIGITAL ASSET SPACE.�

• Bitcoin exchange supply is lowest that it has been in the last 6 years
• Massive movement of publicly traded companies into Bitcoin as a hedge and treasury function
• Circle just announced “CPN” – disrupting payments industry
• Twenty One Capital, Inc. - deal was strategically designed to create a publicly traded, Bitcoin-native company that offers investors direct, scalable exposure to Bitcoin while leveraging the playbook pioneered by MicroStrategy ($3.6 billion enterprise value) - Cantor Fitzgerald.
• U.S. Treasury Secretary Scott Bessent – “Keep dollar as world’s global reserve currency with stablecoins”

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MAJOR UPDATES IN THE DIGITAL ASSET SPACE.�

• Paul Atkins, the current SEC Chair, is widely considered to be pro-crypto. In Senate testimony last month, he said he would prioritize a “rational, coherent, and principled” framework to foster innovation and reduce market uncertainty. Currently, 72 digital asset ETFs — linked to assets ranging from XRP, Litecoin, and Solana are awaiting regulatory decisions.
• Tokenization of real-world assets (bonds, money market funds) and the rise of stablecoins have accelerated, with stablecoin transaction volumes reaching new highs

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TOKENIZATION OF REAL WORLD ASSETS

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TOKENIZATION OF RWA – CANTON NETWORK (DIGITAL ASSETS)

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CRYPTO + AI

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Crypto + AI = both are game changing tech. Together though, they = massive disruption. We are seeing that play out in crypto right now with many innovative projects aroud one of the core tenets of crypto = decentralization. The next frontier for crypto is decentralizing AI.

Artificial intelligence has long been dominated by a handful of powerful tech companies like Google, AWS, Microsoft etc… Why does this matter? Because of control. 

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CRYPTO + AI

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https://www.kava.io/news/kava-unveils-the-worlds-largest-decentralized-ai-model - Kava AI can execute on-chain transactions, optimize DeFi strategies, and simplify complex processes, all through simple natural-language commands. Imagine telling your wallet to “find the best staking yield” or “rebalance my portfolio across chains” and watching it happen seamlessly.

https://near.org/ - NEAR Protocol is a layer-1 blockchain Launched in 2020, a highly efficient and scalable platform for decentralized applications (DApps). NEAR Protocol integrates AI in several ways, particularly in its smart contract execution and DApp development.

https://rendernetwork.com/ - Render Network, the world's first decentralized GPU rendering . They harness idle GPU power worldwide, providing users with near-limitless rendering capacity at a fraction of the usual cost.

https://aethir.com/ - Aethir’s decentralized compute infrastructure also includes our proprietary Aethir Edge cloud computing device, which allows anyone to become a compute provider in the Aethir DePIN stack and receive ATH rewards in return. Aethir Edge uses Qualcomm’s industry-leading technology to channel computing power to Aethir’s clients worldwide. We’ve distributed over 47,000 Aethir Edge devices globally, thus creating a decentralized cloud computing network that supplements our massive Web3 infrastructure. 

https://bittensor.com/about - Bittensor (TAO) is a decentralized, blockchain-based protocol on the BASE network that enables the creation of an open-source, AI-powered neural network. Unlike traditional AI models that are controlled by centralized entities, Bittensor aims to decentralize AI training and usage, allowing any participant to contribute computing power and data to the network. This creates a global, distributed AI network

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M2 MONEY SUPPLY AND CRYPTO

• Many analysts have discussed recently, Bitcoin tends to follow global M2 with a 12-week lag. This means Bitcoin goes up around 90 days after a global money supply increase. The global M2 supply has recently increased, so bulls are using this as evidence that Bitcoin is about to increase.

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