Is Legacy Banking Dead: The BROK Singularity & $POCK Utility Path Ahead

Added: 2026-05-30

[00:00:01]Hi everyone, Ronald Ingram here, your rebel banker futurist broadcasting live on X, YouTube, LinkedIn, Facebook and more right now from the Nevada high desert looking down on the Luxor pyramid.

[00:00:17]We have Spock talk every second day lately at 6 PM.

[00:00:22]It's a discussion around the revolutionary new digital asset known as Spock, the genius token. It is a token or a coin. Yes, you can use the words coin and token interchangeably. The differentiation is not material for this coin. It is a meme coin like Doge and is also a fungeible asset or coin like Bitcoin with properties of scarcity.

[00:00:50]the intriguing cultural fun aspect of of Spock and a and some real serious use cases for the the entire financial industry that give it extraordinary utility.

[00:01:06]Also, I as far as I know, I'm the only doxed banker in America to launch a crypto of this kind. Uh there are banks that are issuing stable coins. This is different than that.

[00:01:23]To be clear, there is no link between my bank and Neoanks, my 100% owned tech company that hold that is the holder of many of the patents, which is part of what makes the Spockcoin so unique is that it is the intellectual property is secured by several pending and issued patents as well.

[00:01:51]So also where where we're at. So this token is now exactly 60 60 days, two months old, and it is up a lot. Has uh folks that invested in the first 30 days or so uh or invested in the first few weeks have reported increases databased. I had one one report, one um testimonial actually, uh an executive who put in $100 uh about 35 days ago and and is up 14,113%.

[00:02:33]That was as of yesterday. I think it's about the same today. So this is a very serious unusually unusually rapidly growing token and and unusual and the reason I paused there is the pattern is unusual. A lot of meme coins are are are known to rise really really quickly like within 24 hours and then dissipate almost to nothing and then they're they flatline and are really one and done in in a very very short period of time. Uh that's all changing now with the the steady stream of really clear regulation and and really clear leadership in the different regulatory agencies from Kevin Walsh, the new chairman of the Federal Reserve, who's a crypto enthusiast, as noted by his or as indicated by the 30 crypto assets in his digital assets in his wallet when he was confirmed. And we have um and we have the OC leadership and and many other many other folks who are uh FDIC has put out guidance on on on a number of things and executive orders right from the president have have indicated tremendous support for the uh crypto for the crypto industry as the basis of an infrastructure potentially for for financial for the financial system going forward. So, uh today I want to give you some real some really some more concrete and uh some more concrete plans about where we are.

[00:04:22]So, I've talked a lot about the concepts. Uh we have the talked a lot about the intellectual property, the novelty, the differentiation. I think I've quite well established that for many people. If you've listened to one of my posts, I we we often talk about how unique and highly differentiated Spock is. And then on top of after after Spock, we came along with Brock, which so Spock is this utility token, this utility meme coin. And Brock is the face of the whole of the whole uh uh construct which includes uh the an alternative credit scoring system and a uh the Ingram evaluation matrix which is the a brain for AI models for that is neutral uh that is model agnostic and can be applied to any model to make artificial intellig igence decisions, AI decisions more explainable at the human level by categorizing every decision according to four categories, four immutable categories with numerous subcategories below. The four immutable categories are very simple. There's strategic fit, feasibility, financial impact, and risk. Those are applicable across a number of different verticals, but particularly the banking sector is what we're talking about based on my background in banking and the really strong urgent requirements and needs for banks to be more efficient to utilize artificial intelligence effectively, but in a way that is going to keep them on the right side of regulators with regard to fines and and that could be incurred if if the um if decisions are not properly explained and and accounts are closed or or loans are turned down without good explainable reasons. So artificial intelligence can be employed to do that but the reasons have to be explainable. So some really powerful things that are are very key to uh the the uh whole financial industry and other verticals. So, I'm going to talk to you about the phases uh that we're that we're going that we're in right now and are going through in the short term through through the end of the year and into into the next next year. So, I divide our our our plan. This is a business plan. Uh a few disclaimers. This is uh everything herein is for is in for planning and it is not a to be construed as a prospectus. It's not an offering as a of a security and it's not and it's not a security as defined in the CFTC guidance and the SEC guidance. This is a a digital asset and would have previously been considered and categorized as a meme plus utility token.

[00:07:26]So, um the uh so those disclaimers and I'm not an an an investment advisor either and I'm not a lawyer either. So, um always do your own research. So, so here are the phases. We have uh phase zero which we're in right now which is building and public and then we have phase two which is the singularity launch. That's where we launched Brock, which is the really userfriendly interface, literally the face of all of this technology that uh uh can be used by bankers or by anybody that has any kind of financial needs of any kind related to borrowing, lending, transacting. So pretty well every human on the planet that's over the age of 15 and is uh going to transa is is involved in financial transactions and therefore will be able to benefit from the uh utility of Brock the interface for this for this uh stack of of agents that will be able to assist and educate people in everything from taxes to uh to loan decisions and of course in the case of bankers and that's what I originally designed this whole system for uh to assist with underwriting and even at the board level to assist in deciding which projects to proceed with and which not to proceed with.

[00:08:59]The other uh component to this whole thing that is that is really uh attracting a lot of attention right now is the whole agentic commerce side of things. And so when you put all these things together, you actually get an agentic banking system. All parts of the system, banking systems, large or small, global or or local always involve ancient or modern always involve four things. They involve uh transacting, borrowing, lending and trust.

[00:09:34]And the uh the stack that we have with the NEO score and the valuation matrix provides for for the uh uh risk assessment and for trust and risk based pricing and and checking all the categories of risk internal internal policies in the case of a banker or internal preferences in the case of an individual and as well as checking all the external rules and regulations up to the minute prior to a a decision being made. So, some really powerful things that I've seen that are of great interest to bankers and my talks with bankers and my the education that I do for bankers as part of the bankers institute which is one of the largest educational bodies for bankers with 1,800 financial institutions that are members of that of that organization.

[00:10:30]And we recently completed first conference that I was a chairperson of a co-chair with Dr. Stf um on neo bankanking and digital transformation where uh Tim Tim Scott and his office had representation with Colin Carr uh speaking as a keynote speaker at at the uh at this conference which was earlier um in May 5th to 7th actually. So that was uh uh that so that those are all things that are underway right now that we've been doing. So we did this initial token launch March 26th and to uh raise awareness about these concepts and to provide a uh a a source of of funding as well for the idea uh once it once the so far no funds have been expended from this project and and all funds are and I haven't I haven't sold any tokens uh 13% of the of of the u total capitalization is locked for two years which is unusual for crypto but because crypto is often very short term at least on the the meme memecoin front but we're a very very long-term project that's one of the reasons that the patterns for this project are very different so so we've got sort of two groups we've got a unusually large number of people who are are are new and and very A lot of them getting their first their first crypto wallets ever.

[00:12:10]And others who are very uh and and who but who are knowledgeable about business and finance and traditional banking and and traditional business and business leadership and executive roles and that type of things. A lot of them are affluent. Um a lot of So that's one group that has a and and their expectations are very different. So this is something I wanted to call out today.

[00:12:32]you know, their expectations are they they in some cases some of the u family office type people that I I deal with, I mean, they're look thinking multigenerational about their about their assets and their investments and they may never sell. Uh if they get a good asset like a a good piece of property or good stock, they may hang on to it for for decades. So, uh most people aren't that's so that's one extreme of the spectrum. But for the newbies that are on that are listening and and who are just maybe getting their first exposure to crypto has been with with Spock, this is not the usual experience, right? So um this is uh actually moving more slowly than many uh who are very accustomed to the crypto space would expect. they expect almost to be done in in the first day in some cases and it's it's anything beyond that is is uh is um is beyond is beyond what's expected already just to survive beyond the first beyond the first day in many cases. So we're very very different than that.

[00:13:45]This is a long-term project as many uh newbies and normies and affluent people who invest in other asset classes and are new to crypto would expect. So uh also and so for for the for the experienced people for the people who are experienced in crypto I would advise you that these these more um these people that are coming from other industries that are new to crypto they uh uh they make longer to they take longer to make decisions and they're also and this is a big problem that I want to advocate for and or advocate to solve and bring to the attention ion of of Tim Scott's office, the Senate Banking Committee and uh everyone people leaders in the industry and have already made bankers aware that this is I think they're putting themselves at risk if they do this. And what is this that I'm talking about? This is throttling essentially throttling people who are new to crypto preventing preventing their easy access to be able to buy um their first their first crypto assets. And often it's done for their safety and protection because there are so many scams and and that's been a lot of that I think is being fixed because of all the rules that have been put in place that are helping make things more clear and and understandable.

[00:15:11]But uh let me just finish with these with these um um with these phases. So the big the big fa the big launch is going to be July 20 July 24th and that's where Brock is launched and and Brock will be this super robo genius banker uh is what one way I refer to or you think of as a valet or concierge level financial services where um it's a one-stop shop where you where you have a like a dedicated AI like a specialized version variation of of the of other models that chat GPT and things like that but specialized in on on the the area of finance business and that's every area of business from operations to setting up your setting up your business LLC or CC Corp or whatever the the form and structure uh Brock will be able to um educate you and assist you quite actively to the degree that regulations allow could actually do things for you uh to the degree that regulations allow.

[00:16:23]For example, what what Brock couldn't do in the current regulatory environment is Brock could not open a FDIC insured bank account at a regular bank. Um because a uh uh for because a human only a human can do that with proper human human credentials. So uh until regulations change you know there's some boundaries that that are uh that have to be operated within and that's actually a feature of Brock is that Brock will uh has guard rails in place to to prevent uh people intentionally or unintentionally from crossing a line. Uh so for example, Brock could assist someone to do a a loan between two parties to uh a person a true persontoperson loan, say between two family members, generate a a a draft contract that you could run by your lawyer because Brock isn't a lawyer either, but could give you a a template for a to provide a legal a clear legal binding contract between the parties so that things are official and payment schedules are worked out and interest rates are worked out and and all of that is is worked out for you. Brock could do um assist you with with those types of things as well. So, that will be a big a big event uh when we when we make that available. And we uh the the functionality I'm just it's functional right now. Brock is actually part of my agentic stack that is working for me, working for us for this project uh right now.

[00:18:08]And one of the things that that Brock will be able to do with Spock is Spock was designed for machine-to-achine transactions. So this is whole area of a magentic banking systems and agentic commerce where uh robots will transact.

[00:18:23]Now they're like I said they may not be able to open a bank account but they could get that you could provision a wallet for your for Brock and Brock could do transactions on your behalf.

[00:18:35]And uh one thing that's going to become important is is just like it's important with humans to know who you're dealing with whether they're malign or malign or benign. And that's usually done through credit score and reference checks maybe for large transactions.

[00:18:52]And the uh what Brock can do is uh with NE or what Neoscore does for for Brock is that it it applies that same uh those same tests to robots as well.

[00:19:07]So you shouldn't trust a robot any more than you would or wouldn't a a a human perhaps. They're different, but you need to make sure we need just just like you would with a human before you transact with them. you want to know that they're not a scammer or involved in illegal activities or involved with the proceeds of crime or something like that. And um uh so same thing with machines, machines that are representing humans and operating on the behalf of of humans. If those humans have bad intentions, the machines may amplify those. So Brock is launching and the degree of functionality uh that is is yet to be yet to be finalized. We'll get what some people will have exposure will be involved in in testing Brock uh volunteers and so forth right up till the till the date that we launch in July 20 24th 2026 and that's that will be a launch where we will have some marketing up till now we've gotten to our current market cap uh that's been um uh bouncing around between averaging around uh five or six million in uh low it's it took a dip right now along with all along with all of the markets and I could you know there's not actually I don't know that I I wrote a whole thread on on what some of the reasons are for this whole market decline that is affecting that has affected Spock a little bit as well and uh and but just in a nutshell there's been so much it's it's odd you have it seems odd to to many folks that you would have so much good news and then and then uh and then after all you know good news compounding upon good news you I'm talking about the Genius Act and the CFTC uh SEC uh directional guidance from March 17th and then the memo of of uh the two-page memo saying what's a digital asset and and that digital assets including Bitcoin and Doge and Ethereum and others and that clearly would include Spock in that categories with very specific language into a very simple two-pager uh March 28th and that came out and then Kevin Worsh and then multiple executive orders uh directing regulators to be uh uh more welcoming to fintech and and fintech companies be and neo banks getting outright bank charters like Kraken. just been and and uh increasing utilization of Bitcoin.

[00:21:51]Bitcoin transactions by volume now exceed Visa and Mastercard transactions combined. Uh and most of these transa of the Bitcoin transactions are really large transactions between institutions.

[00:22:04]It's almost becoming like the L1 layer, the the settlement layer for large value transaction systems, which is where I see it clearly going.

[00:22:13]So uh uh phase so that's pha phase one will be the launch of of of brock and uh then phase two between phase one and phase two we're already generating revenue but between phase one and phase two we will uh we will have additional sources of revenue I'll talk about what those are in a second and the uh and then phase three we scale scale the bank into other into beyond even beyond the earth.

[00:22:50]So yeah, um I add that back in.

[00:23:00]So So yeah, another mile another key milestone is I told you I'm using Brock right now. So we already have an MVP working. Brock is is assisting me with uh a lot of uh development tasks and as part of the full agentic stack and well not development tasks there's other I have other agents that are assisting me with that but uh right now I'm operating often say at FTE an FTE of around uh 15 creeping up every every couple of days as as tools get smarter as As more technology becomes available, we get uh we increase that FTE and FTE is the equivalent of of uh horsepower.

[00:23:51]Uh when uh you think of how miners were uh reluctant to switch to mechanical engines because they thought their horses were proven and they had been used for thousands of years and without any issue. So they were very dubious about mechanical engines. And so then the it's it's funny how semantics and measurement is so important, right? What gets measured gets done. but semantics also in how you how u these things are described. So uh the inventor came along inventor came along with the idea of referring to the energy output or the mechanical advantage provided by these machines as horse power and how many horses a machine could replace. So I'm using similarly with AI artificial intelligence. Yes, it's it's it's reducing the number of people that we need to do work, but the people that do want to want want to work, the innovators and creators like myself perhaps, uh artists, designers, um creatives of of in any field are never going to want to stop working.

[00:25:07]They're going to want to create and and and be in fact become more creative and and AI will amplify their abilities, especially those that are trying to amplify. So like I am. So I'm trying to amplify and our goal for phase one is to get to 100 FTP. So that's multiplying each human by each full-time human by 100 times. Uh so we're at about 15 right now. So we're like kind of like the first mechanical engines at very low horsepower. Uh our whole stack our engine is is still not at full speed yet but it is it is moving very quickly and that's going to be the new model. I think I called them zeroerson enterprises zpees. So Brock is the first first step in that um or not the first but a milestone in that towards that goal. Uh and then the machine to machine demos. So also you want to get Neoscore live on Salana and uh so Neoscore again that's a alternative credit score is a burning need for this for people and it may not be people it may not be deemed to be a burning need yet but it will be it mark my words the uh scoring machines will become a burning issue and determining which machines are align and versus benign that is going to be something that is is coming into focus and the Neoscore patent has been expanded to include that. But just on the human side, and that's important, but just on the human side, there's been an issue for years. And that's why I that patent is the oldest patent. That one it was issued in in 2013. And it's an al completely alternative uh method of scoring for credit uh for uh using alternative data using social media data but not in the way that bad uh not in the way that um demand not in the way that China be direct not in the way that China implemented it. You may know of know of the social credit system that was introduced in China.

[00:27:30]Well, that was a social credit system, but it's based on demarit, demmerit, right? Uh the system that I developed is is unlike that especially in the fact that it is based on merit. So it's looking for people that you know and that are are so for example for myself with I've got a large a pretty large following on LinkedIn many you know over a thousand people where that all have full complete long histories on LinkedIn which is difficult to replicate even for AI because that time you know a a profile that goes back eight ten years and that's been built up over that period of time that can't that can't be it's a very very very difficult to replicate that. So it's also useful for ID verification and all kinds of things.

[00:28:24]But anyway without getting into the details of this patent one of the things that it it's alternative data. So for a buck, that's part of the economic model here. Um, which I'm going to talk about today or you know the economics how this this isn't just about speculating on the value of the Spock token. This is where the real utility means real revenue that's generated that and and and when revenue is generated by using these tools.

[00:28:56]Spock tokens are consumed decre and the the the number of Spock tokens is finite like Bitcoin and so the the value as the so the scarcity increases the more consumpt the more Spock tokens are consumed for example in credit scoring and that's a pretty big market there's 660 million credit scores that um are pulled every year in America and just in America America alone this score NEO score is uh uh is global because it's based on on global social plat social media platforms. So that is very um uh very helpful and profound. So uh but the the so it's a useful data point for bankers but even more importantly is for the user themselves because in this model the consumer the one that's being scored owns their own data and they get to decide who uses it and not. So they can they can hold withhold data if they they can withhold their score if they want.

[00:30:08]Now, of course, it might be difficult for them if a bank is using that as their primary mechanism of scoring a loan. They might not qualify for a loan if they don't share that information.

[00:30:16]But it's up to them. And also, they have more input over say false positives, you know, transactions that are mysterious transactions or um fraudulent transactions that occur.

[00:30:30]uh the user sees those transactions immediately and can do something about it, which reduces the cost of allows for a a fully automated system automated with AI to uh which in makes this incredibly more efficient. The Neo score are incredibly more efficient than all of the legacy scoring systems that are out there that are based on legacy contracts, legacy economics, related legacy data structures in some cases.

[00:31:01]Yeah. Uh not a very efficient model, very expensive and also not very pro not meeting the latest in privacy requirements that are expected globally, which we're able to do. It's not hard for us because it's because we're giving more control to the consumer and uh providing more transparency.

[00:31:25]And and here's the the real big one, the real big convenience with the Neo score is that it's portable. Uh so that users consumers are going to want to have banks using this score. Therefore, banks are also going to want to use the score if it is available to them. Uh so we're looking for pilot banks right now and we've got uh interest from quite a good number of of banks and we're still looking for just one or two banks that want to uh partner or pilot uh with and and licensing is also available so you can implement this with your own IT department could implement this with the directions uh provided by by neo bankanks and so that's one of the that's one part of the economic model here as well. So that generates uh revenue for neo banks. And here's a another thing that I haven't mentioned before is that any revenue that's generated by neo banks, a portion of that always goes to buy more Spock. So that neo banks always has a treasury of Spock. That also will as as revenues increase, as Neoank's revenues increase, that will drive significant buying. Uh over $100,000 a month would is what the model suggests. Again, this is a plan.

[00:32:42]This is uh this is so imagine imagine uh and that's that's a ramp. So it's actually by the end of the year it's getting into the 200,000 um per month. So you know there would be uh tens of thousands of dollars from neo banks alone in buying pressure to u buy uh spot additional buying of spock tokens and also consuming and all the the you know banks that are the partner banks they would be consuming these tokens um at the r at a rate of a dollar per a dollar USD for each score and and $4 for uh commercial credit scoring. So, plus a few plus other ancillary uh ancillary things. So, that's uh all in in phase two.

[00:33:54]Yeah, actually that's all in phase phase one.

[00:34:01]Yeah, spock uh powered. Um so I just talked that was all about the neo score.

[00:34:06]Then the spock powered M2M demos. M2M stands for machine to machine and uh that of course is is many people are saying that machine to- machine commerce and this is where you delegate transactions to an agent like Brock be Brock is designed perfectly for that and Spock token is designed to be used not only by Brock but it could be used by other agents as well. It's designed with an NBC the NBC 20 protocol. If you look at our white paper that you can see find on neobanks.com there's actually a section in there that's readable for machines and uh we have pardon me and we already have spock floating around in um boltbook and so thousands and thousands of hundreds of thousands of agents are already aware of of Spock. And so we still we uh in in in this in this phase zero still we are looking to get uh these machine-to-achine transactions actual dollars exchanging or microp payments using the X42 uh protocol which is built into the into the internet already. It's an existing protocol that doesn't require Visa or Mastercard or it Salana works on Salana as well. So that's very that's a really big thing that it has been mentioned but it's going to be there's going to be a lot more attention given to that I think as well.

[00:35:56]So uh that that's all phase that's all in phase zero. Oh and the Senate banking relationship. So, we had this is actually the big Well, no, they're all really big things, right? So, uh we just need one of these to um uh to set us up for to exceed all of our revenue expectations. Just one of the or one of these just to meet our our our revenue the our conservative revenue expectations. If more than one hits, we're uh we're well on our way to a dollar a dollar per uh per token, a dollar per spot parody with US dollars.

[00:36:36]And you can do the math what that means.

[00:36:38]That is what that means to you. However many tokens you have, uh that uh I'll let you do the math. We don't want to want to steer clear from hype here. So, um phase one finally. So phase one is um where we start to work on Brock in every house. This is where professional this is uh post March 24 March 24th and this is where we want to uh start really testing my my thesis that everyone that I've spoken to all the customer discovery that I've done indicates universal appeal for having a super robo genius private banker valet concierge CPA in your pocket all the time there.

[00:37:36]So, it's no stretch. I think this is we really could see or no that would be speculating, but uh that would be a forward-looking statement, but I see I think it's a reasonable goal. I think that based on the customer discovery that I've seen uh and the conversations that I've had, the interviews that I've done, I have I have yet to run a to meet somebody that doesn't like the idea. Now I realize there's a difference big difference between uh liking the idea and actually downloading something and using it. So even recognizing so we won't really know how that slippage works but it uh is very likely to be quite high especially if we do demonstrations like for example I did my taxes first I had my accountant do my taxes my t were like over aundred pages of information and uh and we weren't sure that it was quite right and Uh, so I um but we were a lot of work and and be I wasn't sure we were right. The accountant was sure we were right, but I wasn't sure we were right yet. And uh this was my first time using um Brock's predecessor for the first prototype for taxes. I just ran the whole 100page document through Brock and uh uh redacted. So that's part of what we have a very cool tool that redacts PII before it it leaves your machine whether if you're so this will really this is designed for banks keep in mind right so they have high security requirements and expectations so uh all that information is redacted and then got back to then got back a number that said said what my refund was and uh and so I went through a meeting with the accountant and and we were kind of disagreeing about the number and met with the accountant and uh and he when I arrived he said, "Hey, Ron, I've got great news for you. Uh the the refund is actually larger than I expected." And I said, "Oh, what's what's the number?" He showed me the number. It matched to the penny what my what Brock had already figured out. So, that was a pretty cool test right there. and everyone that I tell that story to, they especially people with complex taxes, but everybody that has taxes. I mean, you know, even though taxes can be done, simple taxes can be filed for free, why, you know, if if it were say $20 a month for the full premium version of of and we haven't set the price yet, but uh for a Brock with persistent memory. Uh that's a huge feature because it gets to know you personally deeply. And and this is a few others have been talking about the importance of this. If you've a lot of experience with AI, you know how frustrating it is to get into long conversations where invariably the AI forgets the context or forgets important elements about what you were talking about because it it loses the context.

[00:41:01]It doesn't its memory is is limited. And all of the models are improving, but we have already baked in a a conjoined database. So for each account has its own its own data that is uh uh segregated for each individual and and so that it has persistent memory. So it it would remember taxes is a great example, right? Because uh what are the chances that a regular AI would remember the details of your taxes without doing anything special and uh uh just from its memory and to it's probably quite low for most models that I've worked with, you know, this um any model that I've worked with.

[00:41:48]However, without some some engineering.

[00:41:51]However, with what we've engineered, we have um persistent memory. So, that's really really big. You know, I talk about the triad of of of cognition. That's critical, which is me, thought, memory, and foresight. And then the fourth being metacognition.

[00:42:12]Uh but, uh it goes along with the Norse mythology. I always like to think it's fascinating that that that because it really kind of boil cog consciousness kind of really boils down to those elements and you've got Odin who gave up his right eye for foresight and his two ravens Huggin and Minan uh Minan memory and Huggin uh thought so thought memory foresight and metacognition being the observer self-observer or observer uh that is the that's the key to uh really high functioning uh artificial general intelligence and general intelligence and artificial super intelligence. So I digress now to uh the phase phase two and I I'll go back to I I didn't talk about the the uh Senate Banking Committee and and Tim Scott which is very important. Um I I'll come back to I'll circle back to that. But the here are some other revenue some other uh revenue ignition points that I haven't that I haven't spoken directly to. So there are white labeling opportunities and we be looking at uh licensing. I won't talk about the cost. If anybody wants to, if any banks are listening to this or C CIOS, CTO's, SISOs, uh, reach out. You know, we're very flexible for, uh, for pilots and and partnerships right now. Uh so you know right now the the licensing and and white labeling even is is uh is are options that may be considered if the right partner right fit and uh another area that I have we've already gotten some government grants so uh I have and have had proposals out and relationships developed with different government agencies. So we will uh look for pilots particularly in the housing area which I'm going to come back to and the and explainable explainable AI which is necessary in health care and in high stake and and in high any high stakes decisions. So my some of my first work uh one of my patents situs which is a secure identifi identification trust and verification system which uses yeah all kinds of advanced technology for different uses in in entry secure entry into facilities for identifying all kinds of really cool stuff for for government agent high secure um facilities. that require high security as well as uh and monitoring changes that occur in real time. So anyway, there are uh opportunities for us there um that I have may avail myself of if if they're um I will I just will you know because it's good to maintain those relationships. So it may not be essential to our model and uh but it's it's easier the barriers to entry are lower for us than they are for many others because I'm registered. I'm familiar with the process and and have gone through it before and have resources available to help me uh with that in our internally. So uh and then uh additional spock utilities. So well yeah just the I mentioned this already. So all every time that the Ingram evaluation matrix is matrix is used, Brock is used, Brock could be used on a payforuse basis or on a subscription basis. All of those you all of those highly useful things that are in demand globally, not just domestically.

[00:46:19]uh generates very significant revenue enough for this to be a uh to easily drive us drive the value of Spock. Okay, watching my hype again here. Um yeah, but those are compelling revenue generators. I'll just leave it at that.

[00:46:41]So finally phase three and I'm just going to share it because things are moving so quickly that uh u and people are talking about also people are talking about uh data centers in space like it's a new thing. I wrote about it in December 7th uh and that was I guess that's pretty recent though December 7th of 2025 I first wrote about it. You can I think it's called the article is called uh um data in the sky or diamonds in the sky.

[00:47:13]Um, you can find it, but I I I had a paragraph in there where I recommended that SpaceX look at you setting up data centers in space using the hot side, putting placing solar panels on the hot side facing the sun and compute on the cold side vacuum side where there's no friction because there's no air and there is um freezing cold temperatures. Right. So which one of the biggest costs for data centers is cooling and you don't have that. There is some engineering I know that is special engineering that's required but some things are surprising like actually the glass that's necessary for your solar panel in space is less expensive than the glass that's and lighter than the glass that's required on earth because you only have very infrequent meteor showers and then things like and and all space debris is tracked and meteor showers and and very easy for these satellites to routinely navigate around all of that.

[00:48:22]So, there's actually far less wear and tear on these units once you get them in space, at least from compared to weather uh the weather damage that you that you are exposed to on on Earth with rain and hail and well, especially with hail and and high winds and and what have you. So it's the the big cost is getting getting the the uh equipment into space. Of course uh now that's more feasible than ever with ever larger uh starships being built by SpaceX re that are fully reusable. it is getting very very cost-effective to move the to move the material into space and uh the all the yeah so it's there's a very well- definfined plan the FCC uh approvals have already been submitted long months ago by by Musk so probably 30 months out at this at this point before you have data centers in space so that's part of uh what Interstellar Bank is about is moving uh the banking compute especially a a whole new native digital native banking system which I have also patented that operates in outside of of the normal banking jurisdictions. So uh uh with light tether points to jurisdictions in whichever uh states or nations are willing to accept. Uh those could even be um and with satellite going direct to cell phones there isn't even even any need for tether banks. transactions could be compute could occur in space and you know bitcoin mining transaction authorizations all of that could happen in space and the results beam back to earth so it's really really a stupid idea by the way to try to beam the energy from space down to earth you fry the atmosphere you lose tons of energy just like like uh creating a data center that's you know 100 miles away from the source of energy Say a hydroelectric dam would be dumb because those transmission lines take you know that they lose energy and lose a lot of energy and there's cost of those transition lines.

[00:51:01]So transmission lines so you don't need any of that if you do the compute in space right where the energy is and the solar is extremely efficient in space.

[00:51:13]So uh that is that is a kind of a gamecher that would truly allow uh and we have all the parts we have the borrowing lending all of that all tested been doing it for years a built lending loan products lending systems loan software loan management software all of that and uh uh for for decades I've looked I looked at all the all the competing software packages for loan products is I worked for several different institutions and each time we would frequently every few years there'd be a question of do we buy software to do what we need to do for lending or do we build it um from scratch and so I went through I was I generally suggested to build it from scratch and now it's definitely you build it from scratch because you can build anything from scratch uh very very quickly now and and with good quality and with all with better security like everything that I'm building is quantum resilient more so than I I bet there's probably three or four or five banks in America that that have that are that even have a robust plan for being quantum compli compliant with quantum resilience requirements for Qday uh the requirements that are put out by NIST, the National Institute for Science and Technology, there's probably only a handful of banks that even have their plan in place. And I kind of know because I, you know, I'm doing the from just from the recent conference talking to bankers. That's I talk to bankers a lot and have good access to the the the re research and reports and analysis and what bankers are saying and uh and some of the things that they that they say privately that that don't uh make it into reports.

[00:53:18]But the uh everything we're building is quantum resilient already. So the the databases, the way that private keys are handled, the way that key signatures are handled, we're building all of that for uh quantum resilience uh from day zero.

[00:53:39]So uh if a bank partners with us on that component, that'll be the least of their concerns. maybe uh they may want to look at to see what degree Brock may be able to take over things that are handled by systems that aren't quantum quantum u resilient yet. So u processors you know might want to uh partner with um with neo banks to for assistance in in that area too. So that is uh so we've got a number of probably about 60 different bankers um that uh I've knocked that down list down to around 50. I think I started out with 62 about 45 days ago and I think I've knocked that down to about 50 different bankers that are uh waiting for call backs and um however the development is is kind of everything really the July 24th that's the big milestone that we're pushing towards to demonstrate that to make that available the working the working version of that and that's coming up fast. So that's all hands are on all hands on deck to get that ready and and to get the revenue revenue starting to uh to hit significant levels in by by phase one. So the uh tokenized real world asset uh real world RWA real world assets. Uh so that's tokenizing every all your stocks, bonds. We're not doing that. Other companies are are are already doing that. We're not trying to boil the ocean here. Uh we uh other parties have have that. And uh however there are some aspects that are so critical to uh the uh the nation and that uh even if other people are working on it we're working on it too in particular the um the housing area which is the last thing I will talk about oh wow time is going flying by here uh so I've got four minutes left so the global agent economy I've talked about that already so we'll we'll conclude with uh the the uh Aentic Housing Finance. So, it's pretty simple. There's uh the legacy mortgage underwriting. Every part of that system is is slow and biased.

[00:56:36]and our Ingram valuation matrix and Neoscore solves this by delivering real time explainable credit decisions just like with all the other just like we've been talking about for mortgages uh and align and bringing and having and doing this in alignment with which with one of Tim Scott's priorities one of the president's priorities the the road to housing act so uh we have been in discussions um or or with uh the um Tim Scott's office and I will have u we want to move those forward and and have some concrete ideas that will include streamlining the whole process which will so that's one area where we may look at at uh real world asset tokenization. So because home titles that's an area fraud is a big issue and it's it's very unsettling if people lose can lose their title or have their any confusion with their title at all. Never mind the delays and costs associated with it and the uh massive massive agreements that are standard. And here's something that that um I want to be clear about sort of strategically something that's really different about the way the way we're building everything and the way we view things with Neoanks and Spock and Brock and everything else. It's that we don't start with rules first and then build the technology for the rules. And a lot of companies do that because the rules seem so immutable and some of them are right but some of them we've seen can change like there's talks talk about the CRA the community reinvestment act being changed like Tim Scott quoted that the community he not me speak Tim's um um uh the treasury secretary's words bescent his words were that the CRA act and associated documentation regulations are an embarrassment because it's the largest most complex piece of banking legislation ever generated and it's I think it's goes to the seven go back goes back to the 70s and so we got along without it just fine before then and the intent is good you know you you want banks to support their geographical communities for sure but banks would want to do that generally that is their wheelhouse and uh so I think that's just a Yeah, there's just uh I don't want to get into my opinions, but just in general, my opinion is always less regulation is better and let the markets let the markets decide and too much meddling just creates complexities and unended consequences that make the that result in less capital being available to the people who need it. and just and add additional costs and those costs get passed on to the consumers and again freezing capital in banks that could be you know before early you know in the early 1900s you didn't have venture capital banks filled that niche banks had a lot more lat latitude to do all kinds of funding and financing activities and that's what made America big part of what made America great was innovation in capital markets and innovation in finance financing and financing with Ford and GE to finance household appliances and auto Ford with automobiles and all of these things, right? So, it's it's um very important geopolitically and in to the prosperity. You can't have a prosperous nation without a good banking system. And America, there's many aspects of bank America's banking system that already make it the best in the world. And a lot of that goes back to its roots to the history where and this the diversity in number of banks is a can be a strength. You don't want ex undue consolidation and there's no need for it. The technology available that I provide with Brock is is is provides opportunity. This is I talked to I'm constantly talking to community bankers that they can level up. Now uh the the larger banks tend to have really large implementation overly complex in my opinion uh implementations that are o cost more and take more time than necessary and there are point solutions that you can start with start with brock for say underwriting and you'll quickly see that brock can be utilized in who in maybe in in many areas that will surprise people in their bank and uh so that is that is uh that's that cuz we're at an hour. So uh uh again here's another summary another slide that I did that uh just shows you Brock again is the face of this whole stack and Spock is the utility memecoin the transaction vehicle and so that's that's what everyone gets to participate in and and uh right you know since March 26th and that's and the success of this whole real business this is what I wanted to sort of emphas empasize today is that there's a real business behind this and I touched on the plan and this is consider this part one and we'll if people want more details on how the business works and um breakdown I can provide that in in in the future to um whatever degree we want to go into that but this is the this is the the the model so Brock was always part of it we haven't changed direction at all all of this obviously this has been decades and in in in its in its manifestation.

[01:02:48]And uh Spock was that missing link that and and the regulations uh that that the changes to the regulation regulatory environment and the new regs that came out that enabled the us to to launch Spock and to kick this whole thing off re you know at at warp speed and uh now we're we're building and actually the early results with Spock exceeded my expectations and uh so I've been very very busy with onboarding people uh new wallets and that type of thing. But that has been a real eye opener. I did not anticipate how many problems there were and that's going to be an easy one for uh for Brock to solve. uh Brock, that'll be part of one of one of Brock's skills is to maybe even obiate wallets alto together and uh provide you an interface where you can see your balances whenever you want, transact whenever you want, execute those transactions with whatever safeguards u with safeguards built in that you can relax over time as long as they're lawful, right? Just like you anyway, it's a good analogy actually.

[01:03:59]will say mention it even though four minutes over the um just like automobiles right the self-driving function started with parking a parking assist even and then navigating uh slow roads simple roads and only uh only now is it is it is it capable or deemed safe for the freeway and the wide open freeways of of America America. So, same thing with with Brock, you know, first just like a kid, you'd give it a debit card, you give Brock a its own wallet perhaps and provision some funds there and Brock could go out and actually make you money, save you money, do whatever you want to do, help you with your budget, all of those things.

[01:04:48]And with all of that technology happening behind behind the scenes and and all access to all of these these tools, especially the NEO score to make sure that whoever is on the other side of the transaction is good and or at least benign, not you know having a bad intent out of the gate. All right. So uh thank you everyone and uh please uh so I'm hopeful that the community function is not going to be stopped but just in ca the I have no evidence that that X is not going to discontinue the community the community feature on X. So, uh, just in case, you know, I it, uh, we'll continue as usual on X, but we won't we, if that went away, it would be a, uh, there's a number of different things that we can do, but to be proactive, I would suggest getting on Telegram right now and it's free. Getting on Telegram and spotcoin in the description. I sent a an invite. Um, and just search on my name and and sort of search on X, search on Telegram for Ronald Ingram or search on Telegram for Spockcoin and uh you'll see the iconic image and uh you'll you'll see um yeah, it's about 200 over 200 well over 200 people now, but not as large as our group on X. Uh, so that's one option and that's probably the the best safest backup plan for now.

[01:06:22]But I'll still be able to I'll continue broadcasting on X and all these other channels. So, uh, please engage. And, uh, I, uh, the the topic for tonight actually came from a question again. So, somebody wanted to know more about the the the milestones and the actual next moves that are happening.

[01:06:46]uh with the Brock in every house concept and and the housing and all of that. So I gave you a little bit more color. I can go into more detail in all in any of those areas in the future, but we are uh very excited. Uh so the the dip is doesn't phase us at all. In fact, many of the affluent people have been waiting to uh buy. They they don't really like buying at all-time highs. And there were a good run of six weeks just about every day we were at an all-time high. And uh so this dip is a good opportunity, you know, and with all the markets being soft, but a lot of people these people don't have any other crypto. So uh and and all the fundamentals are there. All the there's legitimately good news. So it's only there's no rational reason for um crypto of any kind, but it's just these ripple effects from bit. It actually may be a lot of short covering because it's just there's so much good news happening that they that people can some people bet against Bitcoin and those people that are betting against Bitcoin might be really hurting and that triggers um that triggers sales. They're forced to sell. So that could be one of that that could be and then when Bitcoin is as the big golden standard for all crypto in a different class but it's in a different class than all other crypto but whatever happens to Bitcoin that tends to have ripple effects downstream and uh so uh that cascades through Salana Salana and Ethereum and all the others always so uh but this is one of those situations where you've got All the fundamentals are great. All the news is great. Tell me otherwise. Tell me one thing that isn't great about this token in particular and about the markets in general and especially Bitcoin. And uh um and I'll be happy to to debate it with you, but I haven't seen any any good explanations for it other than the things that I mentioned. So the buy the um buy the rumor sell the news concept.

[01:09:00]But even more so I think it could be short covering that is creating a temporary um um pressing suppressing uh prices and when that lifts this could be a uh pretty unprecedented uh upwards move. That's my futurist view.

[01:09:24]Um I'm not making a prediction about uh Spock necessarily, but it's just logical that all crypto tends to you they all have their independ independent fundamentals, but they all tend to be influenced by the by bitcoin and uh but that's that's all for today folks. So uh please uh like, subscribe, engage on whatever platform and uh we will uh keep keep building and uh there are we're really are just getting started.

[01:10:00]Live long and prosper.