XRP PRICE, UTILITY DEMAND, 2026 XRP - Interview w/ Max Avery 🚨

Added: 2026-05-19

[00:00:00]Max Avery, how you doing today, sir?

[00:00:02]>> Another crazy day here. Just pushing everything through. It's been it's been a busy one, but thanks for making the time. I'm glad to be here.

[00:00:09]>> Well, thank you. I like to always start the start the video off just by with these interviews by thanking you first and foremost for taking the time out of your day. I know you got a lot going on.

[00:00:19]And uh for those that aren't familiar with who you are, I know many in the community are, but for those that aren't, could you just give us a kind of a quick rundown kind of in this intro just kind of discuss who you are, you know, what you do, maybe even just a day in the life of Max Avery.

[00:00:37]>> Yeah. So, I I'm, you know, Jake Claver's business partner. How how a lot of people know me is I'm kind of in the shadows working on stuff in the background on things most of the time, but we have uh we have a company, Dig Digital Ascension Group or DAG. Um, DAG is uh is essentially a service provider for people in the digital asset space.

[00:00:56]and and everything that has been born out of that uh was really kind of built out of necessity that Jake and I were spending a lot of time uh on Twitter spaces and and you know different uh you know chat groups talking to people just about uh things to help protect themselves, protect their assets, mitigate taxes and you know a lot of that for me uh came from from lessons learned you know running businesses and operating in the space and and having to learn things myself >> uh cuz I didn't I didn't come from a pedigree of people that you know were necessarily feeding me all the info on stuff. It was just that I got involved in business at a young age and kind of brute forced my way into doing things and and learned everything I could in the process. So, uh most of my 20s, you know, I spent doing import export uh for mainly like defense articles. So, we did everything kind of like from uh firearms and ammunition into, you know, like large scale weapon systems for foreign governments. Uh I still stay pretty active as a member of uh the Arkansas District Export Council that uh we essentially are a federally chartered nonprofit that every state has one of that get you get appointed to and and essentially it's just to promote exports and and help sell more American goods overseas and you know so I I kind of like got into digital assets um at an early age and and coming up with Bitcoin as you uh running mining rigs myself at home and you know setting video cards on fire and trying to figure out how to do stuff like that. Uh you know I I had started kind of paying attention to what was going on um with what Ripple was doing as a company and it was really compelling as a story to me. Uh and the the stuff as far as Bitcoin went for me.

[00:02:45]Uh I'm kind of of the camp of like Roger Ver in the Bitcoin that exists today isn't the Bitcoin of yestery year. Uh and really at the fork is kind of when I I started getting out of Bitcoin. Uh it just didn't have the same kind of ethos to me uh that it was born with. Um but at the same time, you know, I understood what was going on um with everything that that Ripple was building and how it would integrate into a new financial system that way. And so anyway, going into this is that that I'd been in and around crypto. I'd been in and around business and seen really how how screwed up you could get uh if you didn't take the steps to, you know, properly establish yourself and uh you know, protect those things from from a legal perspective and a tax perspective. And um we we really had a lot of people that were reaching out in the space that were interested in um you know getting access to the services we were talking about because they would go reach out to their local CPA or an attorney or something like that and could never get the support that they needed to help really form these things in the way that that we were saying needed to be done. Uh and and Jake and I spent a lot of time uh reaching out to people and trying to find partnerships for for people to work with that we could just refer to somebody to help people out and really just kind of kept coming up empty-handed on everything that was out there. And us being kind of hard-headed was that we just said, you know, we need to we need to build a solution for this and we need to put it out there in a way that we can start getting this to people that are asking for it. And that's that's scaled up significantly. Uh, you know, it really went from just Jake and I and a handful of other people that that we have with us to um we've got close to a hundred employees now uh with DAG. Uh built a wealth management arm uh under the digital wealth partners umbrella um and provide institutional custody in partnership with Anchorage Digital. um you know really just just trying to build out all of the the same things you'd expect for other assets in a tradpy environment for people that are holding crypto and obviously just from Jake and I talking about XRP stuff we've aggregated a lot of interest from the XRP community >> um you know into coming into being clients over there but you know realistically we don't have a a you know siloed interest in in you know just providing XRP services we can do a lot of the same things for people that are also holding HAR and XDC and XLM and AVAX and uh you know Bitcoin and Ethereum obviously are are you know things that we can work with and so um it's been really interesting um building out all the products to be able to support not just the XRP ecosystem but also the other ecosystems that that we're putting those things together for and even going to all these conferences and and uh different meetings that we you know go to is that there are um you significant levels of interest from institutions and family offices and you know people that have large amounts of capital, but they're still in a position now that even at the level of of money that they're working with have limited access to, you know, real services in a clear, secure institutional environment.

[00:05:56]And so, um, it's it's been interesting to kind of watch the the people from all ends of the spectrum that are all looking for the same thing that we've been able to kind of curate and put together. And I don't know if you saw, we we brought over some more people uh to join the team lately. Um, we got Louis Sue from um, Gayscale came over as our new chief investment officer.

[00:06:20]>> Um, Martha Voss came over from Gemini.

[00:06:23]Um, we've got, um, you know, Kristen Marbella came over. She was also a former Gemini. She was at Eaglebrook most recently. Um, and, um, it's, it's just been really great having people that have been with other uh, you know, large companies in the space that have kind of seen the problems themselves and have tried to solve them in their previous roles, but, you know, were kind of handcuffed just based on the business model of what the other companies were were wanting to push forward with. And so I think they're really eager and excited uh to be working over here where we're building out things that that need to happen and aggressively kind of like exploring how we can push that across the line in a way that a lot of people aren't still.

[00:07:06]>> Yeah. Um, and so a lot of my day, you know, is really staring at my screen trying to figure stuff out because the the the problem that we run into, and I mean, I think this is organizationalwide is everything that we have an idea for of how something should work and what we want to roll out and build a product for. There are no tools on the shelf that we can go pick up. It's it's always a ground up, you know, we have to >> build it ourselves, put it together, work with the dev team, work with the dev team at the counterparty that we're working with and and make those solutions happen. Uh, and so I spend most of my day back and forth and on the phone, you know, talking to our team members and trying to just solve these problems so we can continue bringing more stuff to market because I think even though uh, you know, we've got the Genius Act across the line, the Clarity Act is back and forth, you know, whenever that does take place, uh, you know, I think that there's still going to be a long runway from a lot of the other institutions being able to to launch even the products that we have live now, let alone on the ones that we're preparing to roll out in the near future. Uh and so it's been an interesting position for us. Um you know, being kind of at the tip of the spear on a lot of these things, even compared to other, you know, multi-billion dollar old, you know, behemoth companies that that have all these resources, they're still holding back because they're waiting for uh other other layers of, you know, uh clarity for them and and being public companies for a lot of those. I can understand that. um just because they they have responsibility of the shareholders and they have a trady business that they're operating and it it's not worth the risk of uh exposing themselves to an asset class that you know still doesn't make up a meaningful amount of their portfolio at that level.

[00:08:53]So um I'm I'm excited to see where things are going, but that's most of my day right now is just trying to put the pieces together on everything.

[00:09:01]>> Well, I got to say I I had Jake on the show here recently. And I told him, I'll tell you, you guys have done a phenomenal job and it's been amazing to see the evolution of this space. One reason I love your story is you just went out and created. You can't find the solutions, we'll create the solutions.

[00:09:18]And >> so you guys you guys have done a phenomenal job in being able to put those solutions in place and actually help people in the in the space. And you know, I went to school for business and we we weren't learning about crypto there and we weren't learning about digital assets. So a lot of this is you know a as the space evolves we kind of have to self-educate each other and help each other and unfortunately there is a lot of misinformation out there a lot of times you know here recently I think it was three four weeks ago >> Charles Hoskinson put out some post and I I think he's been a little bit bitter really since mid 2025 when he didn't really uh see himself at the at the White house at the crypto week summit and he he's put he's had some exchanges back and forth about uh Brad and Ripple and unfortunately sometimes when someone of his level in this space you know well as well known as he is in the space folks that are new to this space they'll they'll take what he puts out as you know gospel when we know when we know otherwise now he puts some things out about XRP and RLUSD and Ripple that was just blatantly not true, right? And I I saw a post that you put out on X and it really did a great job of kind of detailing what he put out versus what is actually accurate. And you know, just as a reminder, he discussed Ripple dumps essentially whenever they want. Um XRP holders don't essentially own Ripple Prime or RLUSD. So that benefit there's no benefit to XRP holders. There's no staking involved. So with the network, there's no real earn for the XRP XRP holders. And basically everything that Ripple does as a whole really doesn't create any kind of benefit for the XRP holder.

[00:11:22]>> And so I just kind of wanted to get your words on that. Again, I know you put out a very lengthy post, a great post about this, but I just wanted you to put out to the audience, not that it's our job to be out here fighting FUD constantly.

[00:11:36]True.

[00:11:36]>> But at the same time, we constantly have new >> It's a good hobby, I guess, >> but at the same time, you know, we have to be aware that there are people that come to this space new every single day and they don't know anything about crypto. they don't know anything about XRP and so we want to make sure they get the right information. So I wanted to just see if you could touch on that real quickly.

[00:12:01]>> Yeah. And you know I there's there's so many things to dig into that we probably don't have time to put it all in the video on this but a lot of it's the same the same kind of FUD that you see bits and pieces of for a long time. And you know first of all XRP's escrow and the time lock mechanism in that is something that's been around for quite a while now. uh most of the people that are here bought in well after the escrow was established and and Ripple put that in place because they do have an enormous amount of tokens that exist there and it was a good way for them to control the release of those tokens into the ecosystem. Um so that they, you know, have a a set time that those get released at the first of the month. They usually buy a lot of them back. Mhm.

[00:12:43]>> Uh, and so it always is kind of like perplexing to me when I I see people think that, you know, they put out stuff about Ripple just dumping kind of whenever they feel like it and it's just no, there's there's a set schedule that you can go look at for how that works >> and that's what's true for a long time.

[00:12:59]>> Yeah. and and you know ultimately uh you know the demand for XRP has been strong and especially since we've got ETFs and ETPs and people building treasury uh companies together now with Evernorth getting to go live and and other people that are kind of exploring the same thing. There's going to be more and more tokens that get bought up off the market as demand continues to increase. And we are in a speculative environment for most of these utility assets now because we're starting to see some utility come online in in you know small ways while people are building out these projects.

[00:13:33]But until you see large institutions start to switch on their software that's going to make use of this new technology, it's still going to be driven by the same kinds of mechanisms that everything's been driven from in this market for a long time. And so the important thing to understand when you're looking at these utility assets is is you know same thing with H bar and same thing with XDC and and all of that kind of stuff is that the token price is not reflective of what the future value could be uh based on them getting those integrations live start using the token for what it's intended for uh and there be a demand for it at a consistent high use basis to provide whatever mechanism those tokens too. And um Vet, if people follow him on on X, uh you know, he runs an XRP validator. He's he's a developer and puts out a lot of good content. He made an image that was, you know, showing um just really how XRP can serve as that neutral, no counterparty risk asset in between to be able to provide uh that swap between two assets. And there's a limited number of transactions that are happening right now because we're still waiting on more people to build out their infrastructure for this.

[00:14:51]And I I talked to a lot of large companies. I've I've, you know, gone round and round about how this stuff's going to work for them and what they're building for. and and realistically is when you get into a level of corporate bureaucracy that you have thousands of employees that are are dependent on on building out these kinds of solutions.

[00:15:11]It takes time to not only decide how they're going to make this stuff work, but also build out the solution and test it for their infrastructure and get it to a position that they feel good about going live with it. Mhm.

[00:15:23]>> It's it's just really um it's a timeconsuming thing from from all those kinds of things. And I know a lot of people want to see solutions get rolled out and software get updated, but think of how how hard it is a lot of times for these institutions to like change their email service provider, let alone change over something that's, you know, running uh all of their liquidity and and you know, payment infrastructure. And so they're not going to they're not going to go fast to get that done.

[00:15:50]>> And I think that's Yeah. And I think it's the right decision because I don't want to, you know, go to the bank and then be like, "Sorry, we can't give you any money this week. We screwed up."

[00:15:58]Like that's >> right.

[00:15:59]>> That's not a good answer. And I don't think that would be a good answer for their shareholders either.

[00:16:03]>> And so, you know, they're they're waiting on legal clarity in in more ways than we already have and rightfully so.

[00:16:10]Uh they're waiting on, you know, software to get caught up to a place that they feel comfortable with it. and they're waiting for for other counterparties to make the same decisions so that they can all kind of start using it around the same time frame because it's not going to make a lot of sense for someone to go live with a product when when the other people that they want to exchange value with aren't using it yet because they're still stuck in development phases. And so that's a big part of it. And also, you know, he kind of came after RLUSD as as um you know, a stable coin providing that uh that value on the XRP ledger.

[00:16:45]And I think that it's great that Ripple has a stable coin business that is operating in a backed, audited, regulated way. And you know, what I think is probably the most compliant stable coin that exists.

[00:17:01]Um, you look at something else like Tether that has not had uh a good history with audits and it it kind of raises some suspicion for me when you have Tether launching a tandem stable coin designed solely to meet the US guidelines which I don't think is that high of a bar just to basically prove that you uh are operating in a compliant way and have the assets to back your your token's value. uh to go launch a whole another network to solve that problem tells me there might be something weird with it and and I it it gives me pause. Uh I know >> some of the conversations that that Jake and I have had um with people in in the Middle East uh at you know several different u large institutions. I don't want to name names on this, but they they kind of derisked from using Tether altogether at the time and had it pivoted into using USDC. Uh, and you know, we're now looking at other alternatives as well, including RLUSD as an option for that. Um, and I I just I really feel like the business that Ripple is building with all of this full financial stack uh provides ties directly into the XRP ledger.

[00:18:11]>> Yeah. And with the XRP, the XRP token serving as the the neutral um you know bridge asset in that uh ultimately is going to lead to an increased value for XRP and increased demand for XRP. And then for for people that are building out the the products that want to hold those like the ETFs and and and treasury companies, um more reason for them to hold those assets is they see demand continue to increase that they want to continue to increase their position because they see that the asset actually provides real value. And we've seen good inflows to all of the products that have launched, there's been a lot of interest in them. even in in a down market um like we've had you know Bitcoin fell off a cliff and everything else kind of with it um there's still been a tremendous amount of interest in XRP despite the FUD despite the you know people posting stuff about how it's a scam and everything else. It's the same broken record we've heard for, you know, 10 plus years from people uh that that don't like what Ripple's doing over there. But you talk to anyone at Ripple and they're bullish on XRP as a token.

[00:19:19]They they recognize its importance in the ecosystem and to to be a problem solver for what the ledger does.

[00:19:24]>> And I I think that that's going to translate. It's just, you know, a matter of when uh price appreciation happens for the token. A lot of people get impatient. But just any investment that that I look at, I don't look at short-term quick return kind of things on that. And that's not to say that I couldn't go to Salana and make a whole bunch of money betting on today's newest memecoin or whatever. I mean, people, you know, make lots and lots of money doing that stuff, but that's really not my game, >> right? Uh and and and I feel like if you're going to be a value investor and you're going to you're going to see the the long-term horizon, um when I DCA in to whatever asset we're talking about, uh XRP especially, is I just consider that money gone until something happens at a at a later date. I'm not sitting there watching the charts and watching what's going on from a day-to-day basis.

[00:20:18]And you know, people text me sometimes and be like, "Why did XRP go down, you know, whatever percent today?" or why is it up whatever percent today? And I'm like, I didn't even look. Like, let me go see what's going on. I don't know. Um and and I think that it's going to be interesting, too. Um not to completely change the subject, but uh Hideera just launched their their Clipper service. Um which, you know, some people were were confused and said, well, is this just going to replace the value proposition of XRP? And ultimately, no. uh it does provide great ecosystem benefit to Hideera uh because it's essentially an atomic swap that's handled within their their consensus mechanism that way. And so that's another piece of FUD that I can easily see. You don't need the XRP ledger anymore and you don't need XRP because Hideera solved for it. Uh and that's not the case, but I think it is a very good um you know mechanism for for the HAR token and and the Hideera network as well.

[00:21:15]>> Yeah. And I think uh Brad did a really good job here recently talking about how, you know, and talking about like Ripple Prime, RLUSD, how it's not always like going to look like just point A to point B. Sometimes it's point A to point B to C, but >> that his words were, I swear to you, everything is to drive liquidity back to the XRP ecosystem, XRP.

[00:21:39]>> And you know, it's really is like 3D chess what they're playing. When you take a look at they bought these massive companies, you know, they have Ripple Time and Ripple Treasury and like you stated, you know, these companies aren't just going to immediately jump in, dive in into something they don't they are not familiar with. It's not their cup of tea, right? But what Ripple can do and what Brad has talked about is how they can, you know, gradually introduce and show them, hey, this is what you can do from taking it from days to seconds and, you know, dollars to cents and then that light bulb comes on. Now, >> I'm not trying to get a price prediction out of you or anything like that, but since we're talking about XRP, and everyone likes to talk about price.

[00:22:29]>> Um, you know, this is a commodity and I I've I've heard you talk in the past about how a lot of people out there, it's that's one thing we have to fight often with FUD. A lot of people look at market cap and focus on market cap. And I think a lot of people that come from the stock market over to cryptocurrency, it's just kind of drilled in their head, stuck in their head that, oh, this asset can't do that because of market cap. But that's not how these digital assets work. There are commodities like XRP.

[00:22:58]>> And when we take a look at the value that's coming to this market, it it's not millions, billions, or trillions.

[00:23:03]It's quadrillions out there in the world of finance.

[00:23:07]>> What do you think for XRP we're like long term? What do you think?

[00:23:12]>> Yeah. and and you know, people that follow me know that I don't do price predictions on anything in particular, but I'll tell you the things that that pose the most interest to me in that is one, like you said, market cap is not the metric that'll ultimately be the driving factor in this. And if if we're in a speculative environment like we are now, it's a great data point to look at, and it makes sense for that reason. But when you start having real utility come online, you're no longer pricing it in the same way. Because if there's a utility demand, it's the same thing as like what's what's a glass of water worth to you in your house right now versus being in the middle of the desert. There there are different circumstances that require a higher price and a higher demand for something regardless of what the market cap is for it at that time. And with that too is that there's so many things that are going to be tokenized in the future that we just look at the the values that are listed, you know, with with dollars right now. But when you start talking about the tokenization of uh intellectual property rights and and things that aren't really a tangible um you know value that you can look at today that will suddenly have some kind of titled value based on an NFT or whatever. that's that's put on on an ecosystem that way and then be able to transact in those from one value system to another. Um that that goes up.

[00:24:37]There's there's a lot more assets that can be exchanged and there's a lot more settlement required and there's going to be a liquidity need to bridge those two assets together. And as more and more XRP gets locked up and as more and more uh transactions start going from from one software platform to another and people are using the ledger at a meaningful way, I think that it causes a lot of upward price pressure on that asset because it does serve a real purpose for providing that liquidity there. And you know, Ripple wouldn't be buying back the tokens and doing what they're doing in in the way that they are, I think, if they didn't feel like there was going to be price appreciation on the asset as well. Um, and and realistically, a lot of these corridors when they do start going live, there's going to be a wave of FUD about it because they're most likely going to start transacting solely with stable coins because that's going to be the safest, easiest, no confusion way for them to to transact value from back back to each other. Mhm.

[00:25:35]>> But as time goes on, when XRP is going to provide a faster, cheaper way to handle those transactions, it makes sense for them to also use that asset as part of their workflow to do it.

[00:25:47]>> And so, it's really just a matter of waiting for things to unfold, watching how how everything shakes out.

[00:25:55]But you've got, you know, G Treasury, now Ripple Treasury, connected to thousands of banks, like 13,000 banks that they were already providing service for. Hidden Road that's now Ripple Prime, trillions of dollars in settlement that they've, you know, processed over there. You've got all this stuff along with active talks, you know, at Swell. You had NASDAQ there and the the New York Stock Exchange. They're both talking about how they're going to tokenize the stock market to provide uh you know 247 access to markets and they're going to be able to provide instant settlement and all those kinds of things which really solve a lot of the issues that you've had in the past with people um you know blind selling stocks when they don't have them there.

[00:26:33]You know we we witnessed that with GameStop back whenever that run was going on. Robin Hood had a big issue.

[00:26:39]Uh, and so, you know, it solves a lot of those issues with one unified ledger and an asset that can provide that instant liquidity and instant swap with those assets at a very cheap price. And so, it's really just a matter of of watching it all unfold. And I know people want their portfolio to go up overnight, but for me, um, I'm fine with continuing to wait. I think that that a lot of people um need to just, you know, spend time figuring out, you know, is this an asset I want to continue to allocate more into. Am I happy with where my holdings are now? Uh and just take advantage of price being low while it is low. Uh it's not as low as it was for sure.

[00:27:20]>> You know, if you were if you were loading up back in the the 30cent range, 50 cent range and stuff like that, you're in a good position now >> for a while.

[00:27:27]>> Yeah. Yeah. and some people, you know, heard about it and bought in um at the this last top that we had and they're they're down right now. So, they're understandably frustrated from that. Um but I don't think that's at all the the you know the only gas in the tank for for XRP's value uh as a whole. So, I think there's still um a very large asymmetric bet to be able to buy in to this asset and and others that are that are utility based that provide a specific value. And that's not to say that, you know, all of them are going to win, but I think that the the primary ones that you see form in these large partnerships, uh, are going to do very well. And, you know, back to to talking about Charles and what's going on with with his ecosystem is I think that there there's a great community around Cardano.

[00:28:17]There's a lot of people that have a lot of money in Cardano. It still holds a large market cap value and there's a lot of people that have liquidity there. But I I feel like um Charles continues to kind of get frustrated when he sees other people doing things in the space that that he's not a part of that way.

[00:28:32]And I wish that, you know, he would he would try to be more collaborative because I think he's a really smart guy.

[00:28:37]He's obviously done a lot of things for for crypto as a whole, building all this stuff out. Um, but I I just I don't understand his angle of coming after what Ripple's doing as a company and and building this full financial stack that really serves the purpose of of a lot of what these utility ecosystems are trying to build. It's like they went and did it and he's mad about it. And I don't I don't understand the the thought process with it. But um I don't know what's going to happen with with Cardono long term. You know, I don't I don't see um you know, tons of Cardano news coming out these days. I know the midline the midnight launch has been interesting for some people. Uh I'd like to see it do well. Uh I'd like to see a lot of these things do well for people, but I think that trying to go after each other doesn't help anybody.

[00:29:23]>> I think it it is, you know, he's he's frustrated like I was saying. You know, he does it doesn't feel like he has a seat at the table or the same seat that Brad does.

[00:29:32]>> Um but it's a really smart guy and it's going to be a multi-chain world. I want to see Cardono do well as well, but I look forward to the day where a lot of the maxi mindset and the tribalism goes away. That's something Brad's talked about for years too. Like >> I think you know 5 10 years from now we will look back and be like oh that was a thing. You know there was these tribes and max because it it just simply won't be like that.

[00:29:58]>> Um with with that I wanted to keep this at like I said about a half hour.

[00:30:03]>> Yeah. you know, we we discussed price, we discussed kind of what's going on in the space. Um, final message here to holders out there that are in this space, maybe a little anxious on what's going on. We don't know whether we're going to get the Clarity Act or not. You know, there both sides here saying that we will, we won't. um what what would kind of be your final message here and and being someone in this space that maybe is a little anxious on what's going on?

[00:30:33]>> You know, if if you if you're new to to digital assets, um I think that it's really easy to understand why you might be kind of anxious, especially if you're down from buying in a in a higher position. If you bought into Bitcoin over 100,000, you bought into XRP at over three bucks and those types of things. But there there is so much that has transpired in a positive way in the past year, two years to get us so close to being able to actually implement these things and make use of them. And and the conversation has really shifted from, you know, crypto being something that's used by criminals, which is really the the you know, the the mass uh audience like opinion for for most of the past decade. uh we're starting to see serious people come into this and understand the value that the digital assets can provide to them. And so really I think that it's it's better to just focus on fundamentals, continue to, you know, look at the assets that you're interested in. If you have, you know, money that you want to continue to invest in DCA into things, I think it's a great time to do it with the current market position. That's not to say that we couldn't go lower from where we're at right now, but I I think that we're really kind of at a stable place for the time being on this. And I think that as as things start to come online, we do get some type of legal clarity across the line here. I think that there's a very bright future ahead for people that are holding stuff that's going to provide real value. And, you know, I I tend to to stay pretty in contact with what's going on at, you know, the capital with this stuff. Uh, you know, Congressman Hills, my guy here in Arkansas, I talked to some of his field reps and try to get a little bit of tea where I can uh from from his office.

[00:32:11]And, you know, it's really just been uh the same thing that you see is that the banking lobby is is trying to sandbag this because they want to be able to keep the frictions that they have in place.

[00:32:22]>> And I don't think that means that that they want to completely shut it out. I think they're they're really trying to buy themselves time to figure out how they can continue to keep their business model uh relevant and afloat because if things rolled out in a way that completely disrupted the banking industry, it'd be very very bad for them. And so um you can see banks trying to slow stuff down all the time, but at the same time, you talk to the banks or look at their job postings or what's going on and they're obviously building to integrate these systems and roll them out. So, it just tells me that they're they're looking to to buy themselves some more runway so that they don't have a bigger issue than they they think and, you know, continue to go down that road.

[00:33:01]So, um I'd tell people just just hang on, be patient, uh you know, keep a positive attitude about it. And it's one of those that it's it's an asset that I feel like is going to do uh above and beyond a lot of the returns you get anywhere else. And there's there's people that uh you know put their money in the S&P, they put it in in you know uh long stable return, you know, types of investment vehicles. And it's still something in crypto that you have unheard of gains. Uh and so when people, you know, get upset about Yeah. they they get upset about that they only made 30%. You know, it's like try to go get 30% anywhere else. You know, like it's you're you're still in what I consider the best asset class to make a quick buck, even if it's not looking like it from the perspective of seeing what, you know, Costco hot dog coin did or something like that. So, >> absolutely.

[00:33:54]>> Well said, brother. Well, I appreciate you coming on here today. Let's do it again. I'm going to leave your uh socials down below. Um, I appreciate it once again and we'll see you on the next one.

[00:34:07]>> Looking forward to it. Thanks again.

[00:34:08]>> All right. Thank you.