🚨 BREAKING: DTCC SELECTS XLM & XRP TOKENIZE TRILLIONS! 🚨 WHITE HOUSE URGES PASS THE CLARITY ACT NOW!

Added: 2026-06-01

[00:00:13]base. Y'all know what a base means? A base. A bottom. The bottom. Okay. It gave a base case range for8 to$15.8 eight to$15 uh for an aggressive bull case in 2026 it gave the range for 25 to 40 plus okay 25 to 40 plus or more okay for a extreme liquidity crisis with institutional rotation it gave a range of 50 plus so 50 or more whatever that or more is it also gave an extreme extreme bare case, right? Like below the base. Okay.

[00:00:57]Um all the way bearish. And that bare case was $150 to $4. Okay. So that's even a still a 2x 3x if it was just completely bearish. Everybody's just raw, you know, or it's going to just move sideways for for a long time. And even in a bare case, that's exactly what the bare case would be is just more time to accumulate, right? I don't see that as a bad thing, by the way. Now, let me say that again. So the base case for 2026 8 to $15. That's a 5x to 10x move from where XRP is pretty much trading.

[00:01:29]And then um but that's not the bull case. Remember that that was a base case that it gave. Okay. Um now uh 2030 let me go to those numbers. They gave a very conserv conservative uh AI gave a very conservative scenario and 2030s uh conservative scenario was $10 to $30.

[00:01:52]>> Good morning everybody. Hello and welcome back to another episode of your favorite crypto news related channel.

[00:01:58]And as you guys can tell today is going to be a very exciting episode as we have the one and only Camila Stevenson joining us for today's show. and I can't tell you how excited we've been to and we've been really looking forward to this episode for several weeks. So, I want to give a special thank you to her for joining us during today's show. Now, today's going to be a really exciting episode. We're going to get into the massive news where the DTCC has selected XLM for the tokenization of real world assets, but of course, there's an XRP narrative working in the background. So, we're going to break that down during today's episode. We're also going to get into some really exciting updates in regards to the Clarity Act, the momentum of the market, Ripple's business model, and whatever else comes to mind during this interview. But again, we're really excited for this and I want to say special thank you to Dr. Stevenson for joining us this morning. But first of all, how are you feeling and thank you for being here.

[00:02:45]>> Hey, I'm good. I'm good. I'm excited that you guys have me on. Listen, I'm I'm a big huge follower of you guys show and I wouldn't be able to keep up with half the news if I didn't have you guys to, you know, share what's going on in the market. So, uh, I just want to say back at you, I appreciate you guys and, uh, everything you're doing for this space. Um, you all have been tremendous with getting the news out and keeping everybody focused and settled on what's important. So, I just want to say that.

[00:03:13]Uh, thank you as well. I I'm I'm excited to be here with you guys. Well, it's going to be a great discussion and trust me, I think our listeners are going to walk away from this conversation understanding why we're so excited about the XLM and XRP projects. And we make no mistake about it here. One thing that we always say, it's not about how much money you make, it is how much money you keep during these bull markets. So, we're going to have a conversation about that as well, guys. But we already have over 1,000 live listeners here joining us. If you're excited, you enjoy this content, smash that like button. And we have a deal here. If we pass 589 likes, we stick around for some overtime.

[00:03:45]That's a standard that we apply here on this channel. Now, one other thing I wanted to get into at the beginning of today's show is really just the outlook that we have is very similar to you. We believe that the modernization of global finance is going to include many of the blockchains that you discussed almost on a daily basis whether it be XRP, XLM, we love Hideera, Ono, there's a plenty of opportunities out there. But the thing that I think our listeners are finding so valuable about the reason for this episode is that in the last 48 hours, the DTC officially announced they were going to be working to tokenize over $100 trillion. I mean, it sounds like a fake number when you say it out loud, a hundred trillion dollars worth of assets using the Stellar and XLM blockchain.

[00:04:24]And this is the start of a much larger thing that we've talked about as have you uh Camila, which is global finance modernizing and leveraging these blockchain systems. And the reason that we've been so attracted to the XRP ledger is because of the global connections that we're going to go through during today's episode. But I thought it would be a fun place to kind of kick off today's show. We got the massive news the DTCC has selected XLM for the tokenization of real world assets. The XRP narrative is also working in the background. So I just wanted to squeeze this quick update before I kick it over to you. There was a great Twitter thread that was put out by Cheron XRP who said to those saying that DTCC chose XLM that means XRP is finished. They're the ones thinking that blockchain technology consists of a single playground. Instead, think of it like a factory where Stellar is the system that packages and labels products inside the factory. And XRP, on the other hand, is the massive highway and logistics network that transports these products to ports worldwide within milliseconds. And so, I can see the narratives playing off one another. And the way that I described this was they're two different products built for the same system. I'd love to hear your analysis on this and we'll just discuss it. Floor is yours.

[00:05:32]Yeah, you know what? Um, it's interesting because there's I I saw over the last day that some people were even selling their XRP to go to uh into XLM.

[00:05:42]What people have to re realize and remember is DTCC, they have publicly stated that this is a multi-chain strategy. So, they are not betting on one blockchain. They are building infrastructure that connects to multiple layer 1 and layer 2 networks. Right. So, and their own executive has has even said um that they plan to integrate multiple chains for interoperability and open ass access. So, Stellar is to me just the first announcement. It's not the only one coming. And I think of course the XRP ledger is one of the the most logical next candidates um down the pipeline. This is the same person Jed MB and and David Schwarz family of technology. They built uh Stellar and XRP. So they they have similar DNA, right? XRP and XLM, they share the same um foundation, fast, lowcost, you know, settlement and um I don't think they're competitors. I think a lot of people are making them competitors right now because they're distracted by the headlines. They are very complimentary.

[00:06:44]So when DTCC for me chooses Stellar, um what they're really saying is the technical architecture that this family of rails was built on is the architecture that they want for tokenized securities. So that's a win to me for both in the long run, even though the first announcement went to Stellar.

[00:07:04]And I think people are making a mistake when they sell XRP for XLM. And I want to be honest and say that because I I saw a lot of um comments about it. Um if you wanted to add XLM to your portfolio because you've been watching it and you believe in the technology, that's one thing. But buy uh selling your XRP position to chase a 30% move into XLM is once again an emotional decision that people are making. It is not a structural decision. It is FOMO dressed up as conviction. And people have to start building their conviction on education. The people who dump XRP for XLM in 24 hours um of the news did not suddenly decide that they understood XLM better. They saw a price move is the same play and they reacted to it. And that's exactly the behavior that's going to make retail miss out on what's really happening. And so um those are my thoughts about it. But uh I when I saw that I was really uh disturbed about it.

[00:08:02]Even the fact that XLM moves up 30% just because of the announcement for DTCC shows you that people are still moving based on hype and news. And if you don't get positioned when there's uncertainty, you're not going to get the the the greatest upside of this. And that and that's the part that really breaks my heart is that so many people are going to miss out on what's happening. You know, >> I totally agree with that. And you know what I think is really interesting as well. And Johnny, I want to make sure I kick it over to you. I realize we I got so excited I almost skipped your introduction there. So I apologize about that. But the truth of the matter is that I think we're going to see a whole lot more announcements towards the back end of 2026. And on our channel, we focus on the Clarity Act a lot because I think that's going to be the catalyst that essentially tells these institutions, okay, you can actively use these technologies and you're not going to be prosecuted. You're not going to need $200 million to defend yourself like Ripple. And this person put out a phenomenal comment. They said, there's a reason why Ripple partnerships aren't being publicly announced yet. the DTCC, the BIS, the IMF, the New York Stock Exchange, Swift, JP Morgan, Black Rockck, the list goes on and on. The partnerships are all there. And whether every single one of these partnerships is here or not, Johnny Crypto, the one thing that I think we can understand after this XLM announcement is that there's major major projects operating in the background. And for a conglomerate like the DTCC to onboard a stellar project, that means they've been testing and perfecting this technology for at least several years. I mean, who knows how long they've really been testing it, but I think you can probably find some connections all the way back in 2019 when you look at Stellar in the DTCC. First of all, good morning, Johnny, and floor is yours. Thank you for being here like always.

[00:09:33]>> Absolutely. Absolutely. First of all, good morning to all the cryptomaniacs out there. We love and appreciate you guys. We have the best chat in the world. You guys show up every single day. We're excited for that. And I'm really excited to have come Dr. Camila Stevens in the house. It's awesome. We love your stuff and we love the energy.

[00:09:47]We love the content. And our our audience loves you, too. So, thank you for being here today. You know, ABS, at the end of the day, one of the things I try to tell everybody all the time and and people just don't understand us, but being in technology, I get it, right?

[00:09:57]Technology is built in stacks, especially software and code. And just because so it's never going to be just one layer. There is not going to be like one blockchain that rules it all for them, right? It is going to ultimately be a stack of blockchains that is going to ultimately form a system just like we have the internet today. And and and we're in the process of seeing that built. And I and I couldn't agree more with Dr. Stevenson here where or I should say Camila where it's it's making sure you have the patience and knowledge to invest in certain technologies that are going to build or be a part of that stack in the future. So yeah, so we know all right right now DTC has chosen XLM, but that's that's that's just one piece of the puzzle. There is going to be multiple areas of opportunity. Plus we also know that there's no better wellunded well capitalized and well-run company than Ripple. And at the heart of everything, what does, as Brad keeps saying, it's all about XRP and how do we make sure we we leverage that. So those guys are going to be out there working partnerships. And I know, you know, being in technology, it's partnerships that matter. It's all those deals you're having in the background getting the technology tested and prototyped. And there's no doubt these companies are all testing and prototyping and have been for several years. This is how it works.

[00:11:09]Now, we're just getting close on the cusp of the clear. We're going to start to see some of these things come through. So to see people say, "I'm going to sell my XLRP to buy XLM." Boy, that's a huge mistake. At the end of the day, when you look back in 96, 97, 98 when we had the internet bull run, there were tons of things that went up and you had to be diversified and invested and you would have made a [ __ ] ton of money no matter which ones you were in. And to trade one horse for the other right now, to me, that doesn't make sense. I'd rather see a bunch of horses in my stable than just one or two for that matter. Well, Camila, I wanted to give it over to you kind of for this portion of the conversation because I find this to be really interesting and you share this similar insight. Our belief is that after the Clarity Act is signed, you're going to see a whole bunch of companies just like the DTCC or JP Morgan or Black Rockck make public announcements about which blockchain products are going to be leveraging. And this is going to lead to the great consolidation of wealth that we're about to see inside of crypto where you have 20 to 25 projects that are maybe extremely successful, right?

[00:12:02]You've got Onondo, HAR, XLM, XRP, maybe all of these large projects that you see these companies building on top of. And then you're going to have these other other projects. I often pick on Litecoin or Polygon or Polka Dot, some of these layer 2 networks that maybe they were really successful back in 2021. They had some good narratives working in their favor. But as this market continues to evolve, we are seeing the largest companies in America directly look at some of these blockchain products and say, "That's the one I'm going to be using." Now, back in 2021, these are the things that we dreamed about, right? I used to talk with Johnny Crypto in 2022 and say, "Imagine the day when banks are starting to use XRP. We're not even going to be able to accumulate it anymore. It's going to be 10, 50, $100 uh in value at that time." Little did we know that the adoption curve would be so slow for this whole process because of the war on crypto and the anti-crypto policy that we had to deal with that in 2026, many of the assets that they're choosing are still undervalued. And so to me, that presents a huge opportunity for newer crypto investors who maybe they would have been late if XRP was 30 or 50 or $70. It'd be hard to promote these narratives like, "Guys, you're early. This process is just starting."

[00:13:08]But we're looking at a market right now that in my belief is extremely undervalued. And announcements yesterday go to show when announcements come into the market, this can change the momentum for these individual crypto projects.

[00:13:18]like in the middle of a bare market, which is where I think we are right now.

[00:13:22]Stellar was able to print a 30% candle regardless of the momentum of the market yesterday, and you kind of highlighted why that was the case at the beginning of the show. But my belief is just to kind of paint this all into one simple picture here. regulation comes, major companies adopt these blockchains, and from that point forward, you're going to have 25 to 30 projects that outperform, and maybe you're going to have another 20,000 projects that just follow market cycles, and maybe they have these liquidity movements, but there's not anything real happening on those networks. So, I wanted to get your thoughts broadly on that. What's kind of your vision when you think about where this market is headed with major announcements like these?

[00:13:56]Yeah, I mean the market is going to it I think all the most of crypto right now is going if you go into a bull market most of them even the speculative ones there's money to be made even on the speculative ones and the money is made because the prices are so low and you know you got so many people that's complaining about the prices but that is how you make the money is that it is mispriced it is suppressed it is manipulated it is you know held back or or all the things that people complain about are the very reasons that you know other people are investing in this market and are is going to make pretty good money be because everything is so on sale. Everything is on sale.

[00:14:34]Everything is so cheap right now. And so this is the whole principle is that you know and it's it's still a psychological battle. It's still hard for people to accept the fact that you have to buy fear. I believe that there are so now will will a lot of these um you know tokens make it long-term probably not.

[00:14:52]But in the bull run, you'll see, you know, you'll see um some speculative uh runs. You'll see uh tokens that may not be utilized in the long run. You'll still see them able to make money just because of the FOMO, the retail getting in just because of crypto as a whole being accepted and institutional adoption. And so I think um this is the place right now to just dollar cost average. Be patient. I know we are waiting on the clarity act. Trump made digital asset uh clarity a a core part of his administration's economic agenda and he said publicly multiple times that he wants us to be the crypto capital of the world. Um and so uh he's you know obviously they're trying to work hard to make sure that the Clarity Act gets passed. I don't know if it's going to get passed or not. Um either way I think there's other other routes into um institutional adoption even if the Clarity Act isn't passed. And that's something that I've been like looking into and is hey what happens if this you know because everybody is banking on the Clarity Act to be passed and you know they're wondering if this is going to happen or not. But I've been looking into like settling myself psychologically um on well what happens what what other opportunities are there if it does not happen and how should I be positioned for all the different um case scenarios that that could play out.

[00:16:07]Um either way this is still a good buying uh time. It's a boring time. It's the the boring phase. Everything, like I said, is suppressed, mispriced, on sale.

[00:16:16]This is the time to be accumulating. And uh instead, people are complaining about the price chart not being where where they want it to go or or where where they want it to be. And honestly, there's just so much other things that we can be doing with ourselves, you know, with making money. I think some people are just like they just abandon the whole principle of living and cash flow and and barterability and all these other things that can be that can happen right now while we're sitting, you know, waiting on crypto to make its move. And um and I think people need to get a broader view of life, get some cash flow, maybe there's other investments, investing in um physical commodities, silver and gold. there's other things that people can be doing is instead of waiting on one magical, you know, crypto to like make them rich or whatever. You know, I think people are missing out on the on the big point in all of this.

[00:17:03]Well, I do want to give a special shout out to 68J because he's in chat and he says, "Shout out to my brothers ABS and Johnny and a special shout out to my sister Dr. Stevenson." Now, we got to give a special shout out to 68J because he's a good friend, a great friend. And anybody who doesn't check out his live streams, I would encourage you to do so because I know I watch those on a daily basis. Somebody asked me, I probably watch more XRP related content than anybody in the space. I gotta say it's on my phone all day while we're doing these things. And this is one of the reasons I'm so excited about this space.

[00:17:30]Uh Camila is because people underestimated Amazon. They underestimated Facebook. They underestimated Yahoo. But they overestimated assets like Pet.com. And Johnny, you can probably speak better than I can to a lot of these topics. So I'm going to kick it over to you and then back to our special guest. But look at the Amazon stock in comparison to XRP in the late 1990s, early 2000s. Our friend Waters Above, he does some really good chart analysis and he talked about how the structure here is eerily similar. The double top, the 65% correction, and then possibly a massive breakout on the back end of this when we break our all-time high. Now, we found correlations to this in the Amazon price chart, in the Tesla price chart, and there was a third one that I'm that's slipping my mind that I'll I'll probably remember later on in the episode. But the important part about this is that all of those three projects, and I only listed two, they all had 10-year capitulations before their pre before their new all-time high. When they broke out, it wasn't a 2x, it wasn't a 3x, wasn't a 10x. We're talking about 50 to 100x across the board. And that's the type of opportunity that I think is sitting in front of us as crypto investors. And one of the me most misleading indicators here, Johnny, is the price action, which I think Camila, you did a phenomenal job kind of analyzing that. People wait for these narratives. They wait for these announcements before they accumulate the asset. What's the difference between XLM right now and 48 hours ago? A single announcement from the DCTCC. What will be the difference between XRP right now and XRP 6 months from now? Probably four or five major updates and major collaborations that we just aren't privy to right now. And when those announcements are made, I'm anticipating we're going to see some major momentum here in the XRP price chart. And look at the Tesla chart, Johnny. XRP failed to breach its all-time high on several different occasions, just like Tesla did. when Tesla broke its all-time high went from $20 19 to be exact to over $480 over the next I think 24 to 36 months.

[00:19:18]So, yeah, it might take a couple of years, but those are the type of returns I think I'm comfortable waiting for. Any quick comments here? And then we'll go back to Camila.

[00:19:25]>> Well, don't forget the big thing that triggered all of that liquidity coming in and everybody forgets was in 96 we had the Telecom Act. Nobody really remembers or talks about that but telecom act made it possible that big money financial institutions come could invest in the space apps and really that's what we're on the cusp of here when you think of the clarity act it does a similar thing at least in my opinion it's going to unlock that liquidity that I think is going to bring two massive opportunities if you look back to 9697 98 history internet era of of investment opportunity there'll be a big speculative boom and then ultimately a utility boom that I think will you know run that'll happen. And that's what you were showing there was there was a speculative phase and there was utility phase. And and boy, you could have made money in either one of them. And I'm talking 100 X's. You know, you remember, you know the story, right? I made a $52 million mistake selling my Amazon. Um, you know, had had bought at $17, sold 20 because I didn't know what I owned at the time. And I think the same thing is going to happen right now with a lot of people is they're coming into crypto, they're coming into blockchain, they're just hearing about it. People are tell it's a scam. Some people tell them you can make quick money and they're coming in here and said, "Hey, I want to get rich quick and and they don't know what they own." And they're coming in and then if you're selling your XRP to buy your XLM, you just don't know what you own. I mean, I you clearly obviously you didn't do the research and the homework to understand like no, if anything, you should own the both, not sell one, trade one for the other. And I think that's what's going to happen here. But the folks who do know what they own abs and they're hold on and they're patient.

[00:20:53]I'm telling you, I've seen them. I could have been one of them, right? I've seen the internet millionaires and billionaires that were created in that phase and I can't help but feel the same exact thing is going to happen if people have patience. The writing's on the wall and Congress is moving forward with it.

[00:21:08]Everything's in place. Prototypes been testing. Companies are it's like everything's moving in place except we just haven't got the big, you know, you haven't had the last phase which is when they start pumping it on TV and telling the whole world this is the best thing since sliced bread and everybody comes flooding in. I can't help but feel we're on the cusp of that. So, I hope people have patience abs because I I feel like it's going to be a repeat of 97 98 all over again.

[00:21:30]>> Well, Camila, the thing I think that you'll probably agree with is that most people are undervaluing these assets in the long term, right? It's difficult to say what's going to happen in the next six weeks or even the next six months, but when you look at the macro, when you look at where this market is trending, I think, and I'll say this, my belief has been for a long time, at some point XRP, if it accomplishes its goal, will be trip a triple-digit asset. And the logic behind that is the amount of liquidity and volume that will be flowing across the network. We do have 200 live listeners here, guys. If you're enjoying this content, smash that like button.

[00:22:00]And Camila, I wanted to remind people where they can follow you on social media. I know I follow your YouTube.

[00:22:05]That is Dr. Camila Stevenson on YouTube.

[00:22:07]You put out a video. I know it's not every day. It feels like every day. So, everybody should go and check out this channel. I'm going to leave it up on screen kind of while you give your response here. But one of the things that I wanted to get your opinion on is where do you see this market over the next three or four years? Like we've talked a lot about the Clarity Act unlocking institutional adoption. Why does institutional adoption matter?

[00:22:25]Because it will lead to price action and people are in this market to make money at the end of the day. That's just the reality of the situation. So I'd love to hear some of your thoughts when you look at this market three or four years out.

[00:22:35]Where are assets like XRP or like XLM, the ones that you believe will survive?

[00:22:40]>> Well, first of all, institutional adoption is coming. It's here. Um we see the positioning. Of course, we're looking at it to, you know, scale with the the Clarity Act and all real world assets will be tokenized. So, we're interacting with the blockchain. Even when people don't think they're interacting with the blockchain, they are. And uh and I know for sure because I work with a lot of international clients and maybe a year ago, it took, you know, five days to send them their money. And now I'm on the phone with them. I'm on Zoom with them and I'm sending them, you know, a wire from my bank to their international bank and they're getting it within a minute. So, I know something is happening underneath um the surface that a lot of people don't even realize is actually happening. There is a migration that's that's happening from the old technology to the new. And people underestimate what these technologies can do, what XRP can do. Why? Because they're looking through the wrong lens. They look at only the price today and then they try to imagine a 10x or a 20x move and their brain immediately tells them that it's unrealistic. But the people who are thinking that way are you using the framework of a normal asset moving through a normal cycle. XRP is not a normal asset and what's happening underneath it is not normal. Uh the same way you would look at um other assets.

[00:24:01]The first thing people need to understand is that XRP price discovery has been suppressed for years by legitimate structural reasons. Of course, the SEC uh lawsuit hung over XRP um from 2020 until 2023. And during that window, uh US institutional capital could not touch it. Okay. And so um we know that the exchanges delisted it. Um asset managers could not put it in client portfolios. Banks could not custody it. So while Bitcoin and Ethereum was, you know, doing their cycles uh freely with full institutional adoption, XRP was still sitting in leg in legal uh limbo um because it was going through the court case. And so the suppression is now lifting. Okay. What and and this is going to happen with a lot of um assets. We've got the SEC that's declared them as digital commodities. The second thing that people people underestimate is the structural supply situation. There are only, you know, again, when we're talking about XRP, there's 100 billion XRP that will ever exist. About 60 billion that are in circulation. And of that circulation supply, less than 22% is actually available on the exchanges right now. Exchange reserves, a lot of people don't know, just hit a historic low at 12 point I want to say it was like around 12.9 billion um XRP. So the monthly active supply meaning the uh XR the the the meaning the XRP that is actually moving and being traded has collapsed over 70% from about 7.4 billion last year's peak to I think roughly around two billion right now. I was trying to look at the numbers. Um but the rest is locked in escrow and and sitting in self-custody and parked in retirement accounts and held in long-term you know cold wallets. Um, so the liquid float right now and the demand actually has to climb uh it what it has to climb to is significantly thinner than what most people realize.

[00:25:52]And when the uh demand hits a thin float, the price repric the repricing of that tends to be very violent because every new buyer has to climb to a higher price just to find a willing seller. And so that's just basic order book math.

[00:26:05]And so and then the last thing I want to say is the third thing people underestimate is the scale of the demand layer. So we have the supply layer, we have the demand layer, and XRP is not again just a to me a speculative asset competing for retail attention. It is the settlement token for an institutional rail that's now been chosen by some of the largest financial institutions in the world. Swift, the messaging network, connecting 11,000 banks um globally, is moving on the blockchain settlement, integrating with the ledger, right? DTCC, the institution that's processing what is it like four quadrillion dollars in security transactions every single year. Like this this is the amount of of th this is the amount of demand that we're looking at. Um of course again choosing Stellar and has stated their strategy of a multi-chain with the XRP uh ledger as a again logical next candidate somewhere down the line. You got JP Morgan, Mastercard, Ando Finance, uh Ripple, they've executed that crossber tokenized US Treasury redemption um on the XRP ledger. Tier one banks in Europe, Asia, they're disclosing their position.

[00:27:11]Russia just sold some gold to buy 20 million, you know, worth of uh XRP.

[00:27:16]There is an institutional demand layer that is being built right now in front of all of our faces and people are sitting back upset that the price is a dollar and what a 30 cents or whatever.

[00:27:27]This is your finest hour. This is your best time to get in. There will be a wealth transfer and those who are positioned will absorb some of that wealth and the rest of the people are just going to get priced out and they're going to get left behind. And I'm going to keep saying this, you know, because I really want people to succeed, but they're not going to succeed if they don't figure out what's really happening before them. and um and if they don't take a moment to get out of their emotions and and just start positioning themselves, you know, um for what's what's to come, institutional adoption is here. The blockchain exists and the new technology uh will be used.

[00:28:03]>> I love that response. That was so valuable. And Johnny, I'm going to kick it to you for a quick comment here, but I wanted to just build on what Camila had to say in that in that short response. This is talking about why the Clarity Act will impact the institutional adoption of XRP. And a lot of people in the XRP community have been saying we don't need the Clarity Act because XRP technically already has clarity. And although that's the case, institutions are still waiting for that legal certainty that the Clarity Act will provide. Now, the commodity label, which is what the SEC and CFTC officially labeled XRP, they said this merely saves XRP from a legal gridlock by ending the securities lawsuit.

[00:28:37]However, what will truly send the XRP price skyrocketing is the opening of those massive institutional pipelines at full capacity. Banks will not sit on trillion dollar settlement table without any asset that lacks the backing of a federal statutory guarantee like the Clarity Act. Without the law, the pipes remain narrow. And if the pipes remain narrow, the mathematical price squeeze and the re-evaluation that we're waiting for simply will not happen. So, let me reiterate, of course, Brad Garlinghouse naturally has to give a political and positive answer when it happens to the Clarity Act. But stop writing your own scenarios. We don't even need the Clarity Act. Get real. That's what Jerusan said and I think that's phenomenal. Kind of building on what Camila had to say in her response which is these institutions are waiting for certainty and that's what the clarity act provides.

[00:29:23]>> Absolutely. Another thing too listen I spent all my years and career in technology and I can tell you this companies do not like when there's just a one one one one option out there. They will not move forward. There's no way they're going to do it. So just because XRP has clarity, there is no way that is going to unlock this whole entire market and all the money that's sitting on the sideline because one asset or one blockchain has permission that the rest.

[00:29:49]No freaking way. They're not doing it because there because there's no one blockchain that can solve all these problems. It's going to be a multiple a multi-che uh stackable solution that's going to solve it. And they need that.

[00:29:59]And so until we actually get to the point where there's clarity around this whole thing, I love the fact they use the word clarity because that's exactly what's needed. And until that happens, there is no way. So, so everybody who says, "Oh yeah, XRP is fine." Oh, you're right. It might be, but we ain't seen the money. The money ain't going to come in into this market the way it's supposed to or the amount that we seen in the internet days until we get a similar thing to the telecom. That's why to me the Clarity Act is so important.

[00:30:26]Not only does it unlock that, but it also then signals to the rest of the world, America's here to play. Because right now, until we do, we just been dabbling around in the wind for six years and the rest of the world's been moving forward and putting rules in place and we're losing jobs to other countries because of it. So, it does multiple things we really, really need.

[00:30:43]But again, I do not believe just because one asset has clarity means it's going to unlock this whole market. It's never going to happen. If that's what you're waiting for out there, folks, that ain't going to get us where that ain't getting you the price action that we need. We are going to need abs the rules written so that companies do not fear getting sued by tech by by these agencies because right now we know we have a very pro crypto administration. Well, guess what? In two years that could change. In fact, that could change in about three months. All right? And then now you're sitting on maybe a not so pro crypto friendly environment and then it's game over. And that's why these companies are not going to put their money at risk.

[00:31:17]They have fiduciary responsibilities.

[00:31:19]They're not going to do it until they know for sure. And to me, the clarity act is going to be the key to unlock all that.

[00:31:26]>> Well, Camila, I wanted to play one quick clip, and you may have seen this, you may not have, but you brought up something about how your friends or maybe you personally realized that crossber transactions had sped up. Well, you're not the only person to realize this as these two executives are having that discussion, talking about how XRP may have already been in the process of replacing Swift over the past six or seven years. Here's the clip.

[00:31:46]>> Billion something ridiculous. um that can get wiped out in a heartbeat and I think it already has happened. I think that I think we mentioned this on a previous show in my opinion uh XRP has been has replaced um Swift the Swift system five or six years ago or or at least running parallel and and I told you before I noticed that because of the international payments that I was doing were happening super quick, right?

[00:32:11]whereas they used to take cuz I had an international business and I noticed these things and how quick the money comes in and out and I think it was at least tested if it's not running parallel if it's not already replaced it. So, >> so there you have it. I think it's a a very interesting conversation to have because again there's a lot happening in the background that retail investors just aren't privy to. I want to go off on a little bit of a tangent. It's going to connect back to the Ripple narrative.

[00:32:33]But a couple of weeks ago, maybe it was just last week, we saw President Trump sign a brand new executive order allowing for crypto companies to get direct access into the Federal Reserve.

[00:32:42]Now, this was followed up by a response from Elizabeth Warren directly calling out Ripple's National Trust Charter that was given by the OC. So, what do I think is really happening in the background?

[00:32:51]You've got two facets of the banking conglomerates battling it out. One side understands that blockchain is absolutely happening and they're trying to take advantage of it. the other side is trying to suppress the competition.

[00:33:02]And I think JP Morgan is sitting on that other side where they're looking at products that Ripple is creating and they're saying, "Yeah, this may be beneficial to the consumer, but it's definitely not beneficial to our business model." And so I think the great battle that's happening in the background that we're about to witness unfold is that we're going to see companies adopt blockchain products and we're going to see which public ledgers they inevitably decide to use. And that's the conversation that I'd like to get into next. But Camila, I wanted to get some of your thoughts on that. When you think about what Donald Trump did, we've got so many narratives working in our favor. We've got a new Fed chair who publicly writing how XRP could be a liquidity asset. Then you've got Ripple working closely to the Trump administration. President Trump announced XRP would be a part of the strategic reserve. That narrative kind of faded, but now we've got a Ripple banking narrative that's emerging. I'd like to hear some of your thoughts about what you think is being cooked up in the background.

[00:33:53]I mean, so the way I look at uh and I know it's you the way I look at the moves that they make are uh very interesting. I I think when I'm looking at the moves that are made behind the scenes, I think everybody wants to make a move that incentivize themselves. I just think that's how human nature operates. uh personally. And so when I look at even a Fed coming in now, you got to realize we have never had a wealthy Fed come into uh this position.

[00:34:23]I think he's worth $700 billion or something like that and he's pro crypto. So, you know, my thought is, well, what are what are they what are they invested in and how are they going to incentivize themselves behind this? they they want these assets to go uh to higher levels. They want to put them on the books. They want to, you know, uh inflate away these assets. I mean, it's it's this is the the same situation we're in. And I know a lot of people are trying to figure out, well, is the Feds going to lower rates? Are they going to raise rates? You know, what's going to happen to the economy? I personally feel like um their hands are tied because of stackflation. Inflation is so high. If they raise rates, they're going to break the economy. if they lower rates, they might break the bond market. Um, confidence is already at all-time lows. Um, so and they have to do something about the debt. I think long term he's already positioned himself and he's already hinted at uh lowering rates and maybe not right now suddenly, but over the next, you know, 5 10 years, they are trying to get those interest rates down low. Well, what's that going to do? That's going to um, you know, bring hyperinflation at some point. And if it brings hyperinflation, then the assets are going to afflate inflate away with them. Debt is going to be very cheap to borrow. They're going to probably borrow money and put it back into assets. And so I I see this only going in one direction. And the only reason why is and I just try to simplify it because honestly um this is a a a pony show. This is a stage most of the time. And I just simplify it and I say, you know, what are they going to do that incentivizes themselves and what positions will they uh take uh in order that they will come out on top? And those are the same positions I'm going to take. As far as Ripple, I love what Ripple is doing. I mean, no other company has u made the moves that Ripple is making. But even looking at Ripple, you know, I'm I'm curious as to how in the world they got in rooms with all of these highlevel players as a startup company. you know, I'm looking at documents back in, you know, 30 years ago that sounds exactly like the XRP ledger, you know, so I'm just trying to figure out, was it a plant? Uh, is this is this the best way to do it to um in front of our face and you know, like is is this a show being presented?

[00:36:38]I don't know. But it doesn't make any sense because most startup companies don't make it past the first year, let alone a startup company, private startup company that winds up in the same rooms as, you know, IMF and, you know, so I I don't I don't know who's I can't I'm not going to put all of the pieces uh together right now, but I am saying that I I think it's more than than uh that meets the eye. And I think there's a lot of things that they want us to see. Um but underneath it all, uh I think this is all going in one direction. And I I think most of the people are just ponds being played on a in a in a chess game.

[00:37:12]>> And you know what's interesting too is that if you look at the acquisitions Ripple has created, it fits into this narrative that they're going out and they're acquiring every single important aspect of the crypto economy. They've got treasuries, they've got prime brokerages, they've got a stable coin provider now. So what I think they're doing is they're kind of cornering the industry, right? If stable coins end up being the most profitable narrative, Ripple's there to capitalize on that. If it's tokenization, if it's treasury accounts, if it's prime brokerages modernizing their technology, Ripple and the XRP ledger are sitting at the center of all this. And I think a good conversation, and this one doesn't need to be very long, but I'd love to have a conversation with you about do you believe in Ripple's business model being centered around the XRP token because we do, and that's something that I've said for a very long time. Ripple doesn't even, and this is the simplest way to put it, Ripple doesn't even have to want to do right by people like us in order to have the XRP token succeed. If Ripple just wants to be as successful as possible, the best way to increase the value of their company is to increase the value of their balance sheet. How do you do that? Well, you increase the value of the largest asset on their balance sheet, which is XRP. So, I think that even if Ripple isn't focused on retail or making people like us wealthy, it's inevitable consequence for their business model becoming successful. What are your thoughts on that one?

[00:38:21]>> Once again, everybody wants to be incentivized. who gets incentivized the most off of XRP being repriced and succeeding Ripple.

[00:38:33]And it doesn't matter if they're, you know, like a lot of people have their thoughts about um, you know, if they're doing it for the people, if they're doing it for, it doesn't matter. They're going to benefit from XRP being successful. And quite frankly, Ripple is doing something that almost no other company in the crypto space has been doing uh which is build itself into a pure institution alongside the largest traditional banks in the world. The story of Ripple over the last few years is not really a crypto story. It's a story about a company that built infrastructure designed to fix a real problem in global finance and then methodically did the regulatory, legal, operational work to be taken serious um enough by institutions whose problem problems they are trying to solve. So you mentioned some of it the acquisitions tell the story. Ripple acquired GT Treasury which is a major corporate treasury management platform used by large corporations to handle their cash positioning, their liquidity, their their crossber payment flows. That acquisition embeds Ripple's technology directly into the treasury operations of major companies which is where significant crossber payment volumes are living right now. So now when a large corporation is moving money internationally as part of their normal business operation, the rails underneath that movement can be the XRP ledger that is operational integration um where real economic activity happens. They also acquired standard custody and trust company um which I think gave them a New York state limited purpose uh trust charter for digital asset uh custody.

[00:40:06]They acquired is it medicalico for enterprisegrade digital asset um custody infrastructure they are making huge moves on top of the acquisitions you have the regulatory wins the ripple received their OC conditional approval um in April 1st the charter folks RLUSD inside the federal banking um perimeter and gives Ripple the same regulatory standing as traditional um federally charted banks their movements are strategic they are going to benefit from this and every move does nothing to me but certifies and and puts it in stone, puts it in writing in my in my book uh to let me know exactly what they're doing that is very strategic. They're going to benefit and um and they are incentivized the most. So, I 100% think that Ripple uh wants XRP to uh succeed as their north star. Just like they said, it doesn't matter why. I don't care why. I don't care if it's for us, for them. I'm just making the same moves um that that will allow me to benefit on the other end, you know, and and I think we get too emotionally involved in whether they're doing it for us or they're doing it doesn't matter. All we need to do is make sure that we are positioned for the upside of this that we're positioned for the wealth to be able to absorb it just like they're going to absorb it. And a lot of people get their emotions too tied in this. I know somebody who said they came on my show one day and said that they sold all their crypto just because Donald uh because our president um had crypto and because they didn't like the president, they decided to sell all their crypto.

[00:41:35]If that is not the most emotional decision I've ever heard in my entire life, that's going to cost you uh uh probably tens of millions of dollars depending on how much you could have accured from that point. Um, we got to get our emotions out of this and we just got to, you know, just use some common sense is this needs to we need to come back to just general common sense with being able to position ourselves, you know, for for financial freedom. And if we don't, we're just going to wind up broke because uh the hyperinflation is coming and uh even if you making money, you're not going to be able to the purchasing power is leaving. And so we need to get very serious about how we're going to set ourselves up for the future because it's not going to be a middleman anymore. you either going to be poor or you're going to be wealthy and you make that decision right now today.

[00:42:18]>> That's that's a great response there.

[00:42:19]And Johnny, I'm going to kick it to you, but I think it's so obvious the K-shaped economy that we're experiencing now where you think about spending. Spending continues to increase, but you think about asset prices, those are also increasing. Stock market all-time high, gold and silver, even commodities in general are trading at higher values than we've ever seen before. And this is why you've heard me for a long time, Johnny, say that the catch-up trade for the cryptocurrency market will go down in the history books when crypto catches up to these other asset classes and we're creating brand new all-time highs.

[00:42:46]That's the opportunity that Camila is talking about in that speech which was phenomenal. Guys, we are 45 minutes into the show. If you're having fun, you're enjoying today's content. Smash that like button. It's one of the easiest ways to help out the channel. And I'd encourage all you guys go and check out Dr. Camila Stevenson on YouTube. I'm going to leave it up here for just a moment while Johnny, you give your response as well, but I think everybody will find value. If you guys enjoy our content, you're definitely going to enjoy hers. So, definitely go and check it out. Johnny Blur is yours.

[00:43:11]>> You got to absolutely go check her out.

[00:43:13]I love her content. I check out all the time. Make sure you you do that and hit the subscribe button for her as well because you will be missing out on great content if you don't. Uh, but with that said, listen, I couldn't agree more. The worst thing you could ever do in life, I'm gonna sound like a broken record here, is make an emotional decision.

[00:43:28]That's why we invented Merlin. So you don't make emotional decisions because when you make a decision when you're emotional, you will make the wrong one.

[00:43:34]And we just know that's just human nature. So don't make don't make those.

[00:43:38]You have to understand what you're invested in. And how could you not love for example like we talked about this or Ripple so well capitalized right now.

[00:43:45]And what are they doing? They weren't able to let's say work with some of these companies to get them to adopt their technology. So they said, "Okay, you know what? We'll just buy the companies. we'll buy these companies and start supplanting our technology into them and that's how you get adopt.

[00:43:59]That's another way. Listen, there's two ways to get adopted. There's multiple ways. One is you get companies to agree, which is the hardest thing to do. Or two, you just buy the freaking company, then you deploy your technology. And when you've got the money, you can do that. And that's what we're seeing them do. And that's why I'm so bullish on them because of the fact that they are going to show the world apps how to use blockchain technologies in these uh financial instruments or or companies you want to talk about that are out there that are processing money in the back end that nobody cares about. Like nobody gets it, right? Nobody cares that I push a button. Nobody cares how I'm talking to you right now. But there's a [ __ ] ton of technology right now that's enabling what you and I are doing right on the screen. The same thing is going to be happening with financial technology. and they have not only the technology to do it, but now they're buying the company so they can deploy it themselves. Like, okay, you don't want to work with us, no problem. We'll just buy you and put you in and then you're going to have to work with us. Then everything's going to flow through us.

[00:44:47]So, you can buy your way into adoption if you're fortunate enough to have enough money to do that. And in this case, we know that Ripple is well funded, but if they drive the XRP price up, then they got even more money to buy more technology. So you I just could not feel like they're in the perfect position to grow themselves, to grow the XRP ledger, and to get the technology out in the world so other companies can see it work and go, "Oh, wait a minute.

[00:45:10]We need that technology, too." And then they're going to go start buying and adopting and using their technology. And that's how it's going to expand. Or at least that's how I feel it's going to happen. So we're seeing it. We're on the cusp. And if you're selling your crypto because the president owns it, Jesus God, you got to stop making emotional decisions because at the end of the day, look, here's the thing. Some people argue blockchains are good, blockchains are bad. They could track what we're doing. The reality is, look, it's coming. You can't stop it. So, you got two choices. You either get in front of it and you get to capitalize on it or you miss the boat and later on you're sitting there going, "Boy, I wish I could have." So, for those who who, you know, who don't want to miss the boat and I know most of our chat, they're already here. They're waiting in line ready to happen make this thing go.

[00:45:49]Congratulations. For those of you who are on the fence, you got a little bit of time left before we get there and then it's going to be game over. You're going to be sitting there going, "Why didn't I buy this thing at a $140 or $150?"

[00:46:00]>> Well, we're telling you >> that's spot on. And uh Camila, I want to play one quick video for you here because this is a great one from Raul Paul and he's talking about sometimes the best decision is making no decision, right? Sometimes the plan is to not do anything and that's totally okay because that in and of itself is a plan. So, I wanted to spend some time kind of addressing this. Here's a short clip from Raul Paul.

[00:46:21]>> And when I did the maths, I stuck in 200 grand when I first did it. That was a decent bet. I mean, really was a decent bet in, you know, back in 2012. It would have been worth a hundred million if I hadn't done anything.

[00:46:35]And that's the power of compounding and also proof that I am a total idiot. I totally [ __ ] it up because I did this.

[00:46:44]Even though I came back in more size and everything else, that original bet and all the other things, it would have been just better to buy and hold it. So, those are the lessons I've learned. I'm going to walk you through some of this and how I can help you with that journey.

[00:46:57]>> So, I thought that short clip was really valuable. Now, of course, this guy loves to swear. We can't play a clip without him dropping the fbomb. But the important part about that whole thing is that sometimes the best decision is understanding what you hold, putting your emotions to the sideline, putting your crypto in a cold storage wallet, and walking away, right? And I think a lot of people have this idea that they're going to buy the top, they're going to sell the bottom, they're going to maximize the cycle. And if you have the opportunity to do that, congratulations. you're an outlier, right? We often joke about the baby boomers who watch this channel. We're like, we'll we'll make jokes about the baby boomers and we'll go, but if you watch this channel, you're the exception, right? If you're somebody who can sell the top and buy the bottom, congratulations. You're a unique individual. But for other people, they need a simpler plan. And I know you've done some phenomenal work on this. So, I wanted to kind of get your insight into that. How do you operate? What are your thoughts on what Raul had to say?

[00:47:43]>> You know what? I started out in investments that require you to hold as like an angel investor, you know, so you couldn't even think twice about considering to pull anything out for like five, six, seven years. You know, you don't even know if it's going to make it to the market or IPO or anything. You're just, you know, you're just taking, you know, you're putting your money into something that's to me a little bit more of a valuable risk than, you know, just blowing it off on stupid stuff. So, I learned a lot of patience.

[00:48:14]Um, because I wasn't and and this is how I actually got I saw somebody in the comments asking what my story was. My story was that I was I was doing what I what I love doing, which is I'm a health coach, you know. Um, I'm a coach and and I love a personal development and mindset. And so, I'm working and and doing the thing that I love. And while I'm working and doing the thing I that I love and I'm making money off of it, I am taking that money and I'm investing it in real estate. So, I have that's actually where I started is in real estate. I've done fix and flips and I have long-term rentals and in other um you know, cities and I was doing Airbnb and so I was always invested in uh I always had I was always invested in things that where you couldn't just do a quick flip. You can't put your money here and try to make a buck off of it the next day. And so I think it rewired my brain to be more patient with investing. And uh and I never look I I that's why I've been I've been storing away money for cryptocurrency, you know, for for quite some time, you know, maybe about six or seven years. And uh and but then I found out that people wanted to know what I was doing with my money, you know, and and how, you know, I would say stuff about real estate and investments.

[00:49:25]And so that's where I moved over into like just letting people know the simple strategies um that I use to invest my money. But I believe the entire investing game ultimately boils down to emotional intelligence. The technical analysis, yes, it matters. The fundamentals, yes, it matters. The macro events, it matters. But all of that is meaningless if your emotional regulation is not strong enough to actually execute the plan when the markets test you. And the markets will always test you. And that is its job. The market is essentially a transfer mechanism that moves capital from people with weak emotional regulation to people with strong emotional regulation. every single cycle, every single time. And that's why even if I give updates and information, I'm still going to come back to this because what I see in retail behavior is that most people have an emotional ceiling that they cannot break through. They they can hold a position when the price go up. They can hold cash when everything is calm, but the moment the market tests them, when a 30% uh with a 30% drop or a 30% pump um in something that they had like bad news or the headlines or whatever, their emotional state takes over their decision making and they sell when they should hold and then they buy when they should wait and they chase what's moving instead of accumulating what is structurally inevitable. The work that most people skip is the emotional work underneath the strategy. You cannot outperform your emotional intelligence.

[00:50:51]If your nervous system cannot handle volatility, you will sell at the bottom every single time. And if your identity is built on certainty, you will exit any position the moment uncertainty enters into the picture. So, and if your relationship with money is built on scarcity, you'll also sabotage abundance um when when opportunity shows up. And so I really really think that the investors who actually capture the wealth transfer that's happening right now are not the ones that have the best information. You do not have to be super brilliant with this. They're the ones that will do the best with their emotional regulation. They build conviction before the news cycle starts and the headlines come and swing you every way. They position um before the momentum hits and they just sit and hold. I just told somebody the other day, I think if somebody just blindly just threw just some random num uh money into the crypto market, um into, you know, different utility projects, HAR, XDC, XLM, XRP, Quant, if they just blindly threw money and walked away for five to seven years, I promise they would pro and didn't even look look at anything and came back seven years later, they would probably have much more money than someone who's all caught up in all of the the charts and the information in the headlines and everything and you know just uh and emotionally unstable. This is a waiting game. You buy and you hold and you will probably do way better than anybody else. I I do trade. I'm not going to say I don't. I do option trading, but I'm an investor who trades. I'm not a trader who invests. And there is a difference.

[00:52:23]We just have to be patient. Dollar cost average. Buy when there's fear. The market is on sale. You know, be patient.

[00:52:31]weight, hold, and live your life and grow and and develop yourself and get some exercise and some good sleep and eat good. Okay? And I think you'll enjoy life. You you you'll have a lot of enjoyment in life instead of being all caught up in all of this other stuff.

[00:52:44]So, I do agree with what uh the clip said um which is buy and hold is a great strategy. We got to rewire our brains.

[00:52:51]Most people are not built for this. They probably half the people shouldn't even be trading. Most people don't know how to trade. They lose a lot of money. just buy and hold and accumulate and dollar cost average and and buy fear and you you'll probably be okay.

[00:53:05]>> Totally agree with that. And one of the things that we always talk about and I know you're a partner as well is the iTrust Capital app because you can take advantage of tax-free crypto gains through their Roth IRA product. I also like to use their primary custody account because Johnny Crypto will tell this story. He's had a private wallet hacked. They drained it. Nothing you can do. And this is why I leverage products like iTrust. And I know if you're out there and you believe XRP is going to go from $1 to $10. Let's throw all the crazy price targets out the window. Why not set yourself up to reduce your taxes on that? And that's one of the reasons that I love it Capital. I know you use Itross Capital as well. Um, and I think the biggest thing our listeners need to understand because people don't plan for it. They don't plan to pay a 100red, 200, half a million dollars in taxes, but that's the reality. If you think XRP is going to reach some dramatically higher price targets, you got to create strategies for yourself now before the wealth enters your portfolio. Because at that point, the wealth comes in. You know what comes with making money?

[00:53:59]Emotions. Irrational emotions, over excitement, overly nervous, overly scared. We've all been through it. And and Johnny, we went through a 2021 crypto cycle where we didn't have a product like ITR. We didn't have the PCA. And it's daunting, right? You wake up one day, let's throw out fake numbers. Let's say you you go to sleep, you have a $10,000 portfolio, you wake up next day, it's $25,000. For somebody who's never made any wealth, that's a that's a large amount of wealth. And with that comes anxiety. It comes nerves. And so that's why we talk about iTrust Capital just like you do, because we want our listeners to be structuring things to remove some of that anxiety, remove some of those nerves, whether it's creating a plan for yourself, setting up tax-free strategies, getting your wealth in the hands of something like I prefer a ledger device. I'm not gonna say it's flawless, but it's something I've reliable that I've used reliably. I sleep well at night with my Ledger device. So, maybe you could speak a little bit to that. I know we're coming down to the end of the episode, guys. I do want to give a huge thank you to Camila once again for joining our show. We've enjoyed this collaboration.

[00:54:55]We look forward to many more. We're not going to put the pressure on you, but we'd love to have you back. And I just wanted you to speak to that a little bit. Some of the things that you're doing, maybe strategies you're using, maybe it's iTrust, maybe it's a ledger.

[00:55:06]Some of the things that you would encourage other people to take advantage of. Yeah, you know, uh, a lot of people, um, I I get the the Mac the the hardcore people that's like, "Oh, cold wallets."

[00:55:15]And, you know, a lot of there's still a barrier. There's cold wallets. I I think it's safe um, in protection of yourself.

[00:55:23]You know, I I love to protect myself from myself. Okay. So, that's why I do love a Roth IRA because, you know, you want to put some money away and store it away where it's untouched. you can't touch it until, you know, obviously um until the fullness of uh the the it depends on what age you are, 59 and a half or 5 years. Um and it and it just it allows you to have that long-term behavior. It's wealth preservation.

[00:55:47]There's different structures and and different accounts for different things.

[00:55:50]A lot of us, we know how to make money, and a lot of people will make money, but a lot of people don't understand wealth preservation. And you got to turn on a different personality to have wealth preservation. So, I love iTrust Capital and those type of accounts that allow you to have a tax-free opportunity because taxes is going to be the main thing that's going to eat away a lot of people's money. And then, yes, I love my cold wallets. Honestly, I have over 12 cold wallets. And and I just want to bring even a caveat to what I said before. I don't I I'm not saying that you don't take profit. I believe that you should you should take profit at certain uh levels, but what I'm saying is the average person is so emotional that I have to overstate this whole idea of slowing down and and and not being so overly emotional where you're going to wind up losing, you know, your your crypto. Um institutional uh custody accounts are are great. Again, I trust Capital. I love it. I'm sure they got their link in the description. If y'all been procrastinating on it, please go click the link and make sure that you're investing, you know, in your future and you got some on the side that you know can have that high asymmetry move and you protect you know yourself against taxes because when you do sell and I know a lot of you guys want to sell, you are going to have to pay taxes. So why in the world wouldn't you get an account and diversify into an account that you don't have to pay taxes? And then if you don't have a crypto uh wallet, a cold wallet, yeah, de definitely get your sovereignty together. get some on a cold wallet. Like I say, I got like 12 different cold wallets. I I just It's all about what makes you sleep well at night. I don't like having all of my stuff in one account. I've heard too many horror stories. This one person, you know, lose millions of dollars from this one cold wallet. Even if I made the mistake, even if I accidentally, you know, copied the wrong wallet address or whatever. I don't want to, you know, I just don't want I want to have opport uh diversity and I want to be able to sleep well at night. So, I do diversify. I have hot wallets, you know, I send crypto to my workers. Um, so I have different accounts for different reasons and um, and I and I believe that everybody is different and everybody has different needs. So I am not a hardcore person. I'm very gray and I I understand every different side of it. And so um, that that's the strategy I personally use just to make me sleep well at night.

[00:57:55]Um, and it's all about what makes you sleep well at night.

[00:57:58]>> Well, Johnny Krypto, I'm going to kick it to you. I want to encourage everybody once again. Go and check out her YouTube, Dr. Camila Stevenson. It's on screen so you guys can copy that directly. But Johnny, the thing that sticks out to me is she heard the horror story, somebody who lost millions of dollars. Now, one of the reasons I sleep well at night is because I don't have a million dollars to lose, right? So, I'm on that journey making money trying to figure out which processes work for me.

[00:58:19]And I just had a realization as you're talking to me because one of the things I didn't really consider is using a lot of different cold storage wallets so that all my crypto isn't in one location. That's something I may need to factor in. I literally have a brand new Ledger device sitting right here on my desk. Maybe today's the day I get to it, right? So Johnny Krypto, I want to kick it over to you and I do want to give a shout out. We did get one comment here.

[00:58:38]I want to make sure I address this. Rip City05 said, "One of my favorite wrestlers, Kevin Nash on his Click This YouTube channel was talking bad about XRP. Please educate that man on the wisdom that you three have." Thank you.

[00:58:51]God bless. Thank you so much. We appreciate the kind comment. And it's like that we had a really good conversation at XRP Las Vegas where we talked with um >> Shooter McGavin.

[00:59:00]>> Shooter McGavin from >> McConnell or something like that.

[00:59:02]>> Yeah. Adam Sandler movie and he's he couldn't understand crypto. We finally got to him when we started talking about the amount of returns. So, it's just the reality when you talk about how much money can be made. People get excited about this kind of stuff. Uh Johnny, I'm going to kick it over you then we'll address that question right after.

[00:59:17]>> Yeah. Well, you can't sell early. If you're selling at 59 and a half, you will get you will get penalized. So, in in the Roth, but I'll be honest with you, I absolutely love the Roth IRA. You know, abs I started mine in 2020 with IT Trust Capital when they were just getting started. And to me, there's nothing better than knowing that every single dollar that grows inside of that, Uncle Sam gets none of it. It's all, you know, so that's the whole beautiful thing. So I could agree with you, Camila. To me, I love the Roth IRA. I think it's one of the best vehicles out there in the world that they've invented where you can take advantage of that. So folks should take advantage of that. We we are all about that. But the other thing you said that's so important, Camila, and for your audience, if they're emotional, right, just like ours, that's why we invented Merlin was to help us create exit plans. And we have a tool in there, a professional tool which actually creates exit strategies for people because that's been the biggest challenge. People don't know what targets to sell at. And we've solved that in Merlin where it does that for you and it shows you where the pros are going to potentially sell. So now you can create tool targets just like them unemotionally and have them ready to go. You do it in a bare market, not a bull market. You don't prep for a hurricane when the hurricane's here. You prep before it gets here, right? So you want to be doing it now. And when you combine these two tools between Merlin and iTrust, man, you can set your up yourself self up for a great wave for success because now you know when to sell and you're selling a vehicle that's taxfree. What more can you ask for?

[01:00:37]That's what we're doing here on this channel. So guys, click on the link below, sign up for Merlin free 30 days.

[01:00:41]Also, sign up, get your trust capital account set up, and you will be sitting there pretty just like ABS, waiting to grow to a million dollars.

[01:00:48]>> Well, thank you, man. I don't consider myself pretty, but I'll take the compliment on today's episode.

[01:00:52]Camila, I do want to make one more serious comment in regards to this is that we talk a lot about the Merlin application because back in 2021, one of the mistakes we made is we didn't take enough profit. And Johnny makes a strong claim when he says, "We're going to show people exactly when to sell." That's not how I like to phrase this. What I like to say is create a plan. Even if it's just a sticky note, you can use a piece of paper. It's a great place to start because I think when people realize, okay, I've got 10,000 XRP. What number does XRP have to hit for me to reach my own financial goals? That's a good place to start. If you're waiting for 10 bucks to hit 100,000, a lot of people like those round numbers. That's one of the things that I like to do. So, start off with a sticky note. If you want to take it to the next level, check out Merlin.

[01:01:30]It's something I use. Johnny uses it.

[01:01:32]And you get 30 days completely free. We don't charge you. So, you can get in there, create the plan. If you find it valuable, you keep it. If you don't, you don't need to keep it. We're just trying to help people. And we've been very transparent about that whole thing. We We had Merlin. I think we started in 2022. So, it's been a long journey here.

[01:01:45]But, Camila, I do I don't want to take any more of your time. I just want to give you a huge thank you for joining us today. Can you let people know where they can follow you and anywhere else that you produce content or or maybe you have a website, something like that?

[01:01:56]>> Yes, actually you can um just my YouTube page, Dr. Camila Stevenson. Now, I do have some impersonators out there, so make sure that you're going to drila Stevenson. Um you see on the the screen, they have it here, 130,000 subscribers.

[01:02:12]I do have some other impersonators where it's like 2,000 subscribers and all of that. Please don't join their page. They are um scammers and they're trying to you know use my brand to um you know scam people out of money. Uh you can also find me on Instagram. I'm Camila Stevenson on Instagram as well. Uh but YouTube is where I live right now. You know that's where I'm feeding the family. I do four lives a week and uh I do get content. I get videos out every single day. Uh whether it's a live or a pre-recorded video. Um I'm I'm here to just add value. So you know you can follow me there. links are all in the description of any of the resources that I provide. Um, but make sure before you guys leave out that you guys click on that Berlin link and that you open up your ITRUS account. They have the links in their description. Do that one thing.

[01:02:56]Um, do yourself a favor and and start to plan for your future. Get a game plan together.

[01:03:01]>> Well, Camila, I got to say we're having fun during a bare market. I can only imagine how fun these live streams are going to be during a bull market. So, I want to give a big thank you. We want to extend the invite to have you back. I'd love to do it in the next couple of months whenever you have time with your schedule. This person commented, "Camila Stevenson, abs Johnny 68J, it feels like a Vegas again." Great show. Thank you so much, Joseph. Joseph's really cool. We got to meet him out in Vegas. As you can tell, he's a marathon runner, so don't mess with this guy. But Camila, one final thank you from us. We had a lot of fun during today's episode. Johnny, I want to give you a chance to just wrap it up in case you have any closing comments and we'll bring it home from there.

[01:03:33]>> I want to say once again, another great episode. And Camila, thank you so much for coming on. We love having you on.

[01:03:38]Can't wait to do it again. you know, we believe in this community. It's all about the community working together and and we love we love having guests on like that and we're happy to come on too. But thank you so much for coming on. Thank you for sharing with our community. Our community absolutely loves you as you can see all the comments in there. So much appreciated and uh we we'll definitely uh make sure we have a big party when this thing starts to take off.

[01:03:59]>> Absolutely.

[01:04:00]>> Well, we're looking forward to it, guys.

[01:04:01]We love you guys. We appreciate you all.

[01:04:03]We got over 4,000 live listeners here.

[01:04:05]If you had fun, you enjoyed today's content, smash that like button and subscribe to the channel, guys. We're only about 1,300 followers away from passing that 50,000 follower mark. That would be really exciting. Hopefully, we can do that and accomplish it in the next couple of months. So, massive thank you to every single one of our listeners. We love you. We appreciate you. Go out, touch some grass, hug some family, enjoy the weekend because we're going to be back on Monday morning discussing whatever happens in the next 48 hours. With that being said, we love you. We appreciate you. And we'll see you all in the next one.